McMoney Review: Is It Legit or a Scam? (2025 Detailed Study)

In the world of websites and applications offering passive income, there is no shortage of options available today. Some applications claim to pay you for your unused internet bandwidth or reward you for watching ads. Others, like McMoney, pay you for receiving SMS messages. But, the question remains: is it truly a legitimate opportunity or merely a scam?

In this review, I will delve into the details of McMoney to assess its legitimacy and help you decide whether it’s worth considering or best avoided. Let’s begin!

Some of the articles on this website may include affiliate links. You can find more info in our disclaimer. 

What exactly is McMoney?​

How can you start earning with McMoney?​

To begin using McMoney, you must first download the application for your mobile device. The McMoney app is not available on the Google Play Store and is also not compatible with iOS devices. To download the app, you need to visit McMoney’s website, download, and manually install the APK file on your Android phone. You can do so here: https://www.cm.com/mcmoney/

Once the application is installed, you need to register your phone number. McMoney only supports a limited number of users in specific countries, so if the limit has been reached in your country, you may not be able to register. Generally, users in countries with more market research opportunities, such as the United States, Canada, Australia, and Europe, should be able to register without any issues.

As you are signing up for an account, you can use my referral code MYYQXC03 to start with a bonus right away.

How do you earn with McMoney?​

The primary method of earning with McMoney is by receiving SMS messages in exchange for monetary compensation. Once you have successfully registered your phone number, the McMoney app will start sending you SMS text messages at random intervals. 

Each message typically pays around $0.02. McMoney states that the number of SMS messages you receive within a given week may vary, and the best way to ensure you get more messages is to maintain a stable internet connection on your phone

But, you might be wondering, why are you really getting paid for this? By letting McMoney send text messages to your phone, you allow them to test and improve mobile operations. To put it simply, you help them assist mobile operators to work together.

Additionally, McMoney features a referral program that allows you to earn a small bonus by inviting your friends to join the platform. You can share your referral code with others, and both you and your referral will receive a bonus once your friend has received at least 5 messages. If you know someone who would be interested in using McMoney, this can be a decent way to earn a bit of extra income.

How much money can you earn?​

As previously mentioned, on average you will earn around $0.02 per SMS message received by your number. This amount could increase to $0.06 per message depending on your location. Since messages come in at random intervals, it is difficult to precisely predict your earnings. One day you might receive multiple messages, while the next day there might be none.

For the most part, based on my personal experience and what I have seen online, you should be able to cash out $5 two to three times a year. The amount earned can increase if you participate in McMoney’s referral program. Overall, McMoney is an easy way to make a small amount of passive income, but it will not earn you a significant amount of money.

• More options for earning on your mobile: Top 15 Best Mobile Applications

How do you cash out?​

Currently, only PayPal is supported for withdrawing your earnings. The minimum amount required to cash out is $2, although this can vary depending on your region. 

Once the minimum threshold is reached, a “Cash Out” and “Donate” button will appear on the Start screen. Click on “Cash Out” and enter the email address connected to your PayPal account. It’s important to note here that it may take up to four weeks (but usually less) for the payment to reach your account.

Frequently Asked Questions (FAQ)​

Is McMoney available on both Android and iOS devices?

No, McMoney is only available on Android devices and like mentioned before, in order to install the application you will have to download the APK file separately as it is not available on the Google Play Store. 

Is McMoney real or fake?

McMoney is a completely real mobile application that does pay you for each SMS that your number receives.

Is McMoney free to use?

McMoney is entirely free to use, and you don’t need to worry about any subscriptions or other hidden fees.

Can anyone join McMoney?

Yes, anybody should be able to join McMoney regardless of their location, but do keep in mind that slots for each country are limited meaning that there is no guarantee that you will be able to sign up right away. 

Is McMoney safe to use?

Yes, McMoney is safe to use. With the app running in the background, you will only receive text messages but never send out any. The McMoney application is developed, owned, and operated by CM.com, a respected member of the telecommunications industry.  Their privacy policy explains the way they process, store, and protect your personal information.

Why am I not receiving any SMS messages?

If you find yourself not receiving text messages longer than 3 days, please check the following steps:

• Verify your internet connectivity.
• Give permission for McMoney to be active in the background. Find more info in FAQ ‘Push activity’.
• Give permission for McMoney to be active while Data Saver is on. Find more info in FAQ ‘Push activity’.
• Give permission for McMoney to use SMS and telephone. Find more info in FAQ ‘Push activity’.
• Some cell phone types have very a strict Power Saving Mode policy (Huawei, Oppo, Xiaomi, Vivo, Asus, Oneplus, Tecno, Infinix, Itel). Find more info in FAQ ‘Phone types’.
• If you are using a Dual SIM phone, put the SIM card in the first carrier.
• Make sure that the availability of the McMoney app to receive messages is 24 hours. Go to McMoney app > menu > Account > Availability.

How can you contact support?

If validating the points above did not help you can try contacting McMoney directly. Scroll down to the bottom of the page where you will find all the options for contacting their support team.

Final Thoughts

So, is McMoney legit or a scam?

McMoney is a legitimate mobile application that pays you for each text message your number receives. Apart from the initial setup, it is entirely passive income, so there’s minimal effort involved in using the application.

However, the amount of money that you can make is relatively small, and the frequency of receiving messages is entirely random, so it should not be relied upon as a consistent income source. With this in mind, I do recommend using McMoney, but don’t expect to make a ton of money with this app. 

To get started with a bonus right away, you can use my code MYYQXC03 when registering an account.

Many thanks for reading myMcMoney review! Should you have any additional questions or concerns please do not hesitate to leave a comment down below.