Start earning passive income by simply receiving text messages on your Android phone. With the Money SMS app, you get paid for helping telecom companies ensure their messaging systems are reliable.
Stay connected to keep earning.
Please note that the withdrawal process might take up to 48 hours.
Your per-SMS rate depends on how established your number is. Pick your stage below, drag your daily volume, and see the honest monthly math — for receiving on its own.
This is your SMS receiving income only — there's no cap on what you can earn from any of it. Call testing pays €0.02 per silent test call. Referrals pay you 30% of every friend's withdrawals for as long as they earn.
Getting started takes just a few minutes. Follow these six simple steps to set up the app and start earning from the test messages your phone receives — no experience needed.
When you first open the app, tap "Allow permission" so Money SMS can detect the test messages you receive — this is what you actually get paid for.
The app only ever checks the test codes sent by the telecom network. Your own calls, chats, and personal messages are never opened, stored, or shared.
Make sure your phone has a stable internet connection and a working mobile network signal. The Money SMS app must be running in the background.
Check whether the app is active on its launch screen. The higher your availability percentage, the more test SMS you'll receive. If it isn't working, restart the app or your phone.
Once set up, sit back and watch your balance grow. How many you receive depends on testing demand in your country and network.
Each one looks like a normal automated message — an order update, a bank code, or a promo alert. They're sent only to test delivery and never contain personal data.
You'll earn €0.01–€0.03 for each SMS received. Your earnings will be credited to your account automatically, with no cap on how much you can earn.
There's nothing to claim or approve — each payment lands in your account on its own, around the clock.
Open the Balance tab anytime to watch your earnings add up in real time. You can see income from received SMS, referrals, and bonuses all in one place.
Once your balance reaches €2.00, the Withdraw button turns active and you're ready to cash out.
Tap Withdraw and pick how you want to be paid — PayPal, Bitcoin, or Litecoin. Enter your details and confirm the request.
Your money is on its way, usually within 48 hours. You can withdraw again every time you reach the minimum.
Every phone brand words these screens a little differently.
Three payout options designed to keep things simple. Pick the one that works best for you and enjoy hassle-free withdrawals.
Direct transfer to your PayPal account.
Paid to your Bitcoin wallet on-chain.
Faster on-chain settlement than Bitcoin.
Speeds shown are after Money SMS processing, which takes 24–48 hours.
Stack extra income on top of SMS receiving — same app, zero extra effort.
Allow the app to make silent test calls to your device. These calls won't interrupt your day, and you'll earn €0.02 per test call with zero effort.
Learn more →Invite friends to join Money SMS and earn 30% of their withdrawals. Plus, your friends get a €0.25 bonus when they sign up using your referral code.
Learn more →Common questions about earning through SMS receiving.
The number varies depending on your location, carrier, and current testing demand. Some users receive a few messages per day, while others in high-demand regions may receive more. The process is completely automatic.
Test SMS messages may appear in your default messaging app, but they contain only machine-generated codes and are easy to distinguish from personal messages. They are harmless and can be deleted.
No. Receiving SMS is free in most countries and on most carrier plans. You are only earning money — never spending it. The app itself is also completely free to use.
No. Money SMS works on any standard Android phone with an active SIM card and a normal phone number. You don't need a new device or a special plan. Tip: a newer phone number often earns more per SMS, because new numbers are the most useful for testing.
No. Money SMS only detects test SMS sent by TelQ's network using unique routing identifiers. Your personal messages, conversations, and data are never accessed, read, or stored by the app. Learn more in our Security Center
Download Money SMS, set it up in under 5 minutes, and let your phone earn money for you in the background.