Earn Money for Receiving Text Messages
Get paid real money for helping us improve worldwide communication. All you have to do is receive text messages on your mobile phone once in a while.

Install & Earn Money

Earn Cash
Just install the app. We'll send you random test SMS messages once in a while. You'll earn money for each received text message from us.
Works On Android
McMoney is an Android-only app, because Android allows us to process the results of the SMS test messages we send to your phone.
McMoney is extremely safe and secure for you to use. Your personal data is handled according to strict privacy rules.

What Our Customers Say

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John Doe, HisCompany
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Jane Doe, HerCompany

CM.com Netherlands B.V.
Konijnenberg 30 • 4825 BD • Breda

The Netherlands 
Company Registration Number: 20123808

The Specifics

  • Don’t want to receive messages for a while? Just disable the McMoney app for a while in the settings.

  • You may delete the text as soon as you’ve received it. No need to store it. 

  • The messages do not contain any meaningful texts but only some random characters that you can ignore.

What is McMoney?

By letting us send text messages to your phone, you allow us to test and improve mobile operations. Simply said, you help us help mobile operators to work together. And not unimportant, each message you receive, adds more money to your McMoney bank. Real money.

User Reviews

Frequently Asked Questions

How does the McMoney app work? 
All you need to do is to download the app and register your phone number. Once you do you will start receiving occasional messages from us. For every message you will automatically get paid on your McMoney account. You can claim the money via PayPal.

Version 3.6.0 - Referral update

1. Click on the button to download the app or update.
2. Open the file (APK) that was downloaded & proceed with installation.
3. Start receiving messages and earning money!

1. Click on the button to download the app or update.
2. Open the file (APK) that was downloaded & proceed with installation.
3. Start receiving messages and earning money!


Why do I earn money for receiving test messages? 
Companies worldwide want to send important SMS messages to consumers like yourself. It is crucial for them to test the available SMS routes worldwide in order to ensure a proper delivery. You will get paid for every SMS that we send you, because we use your phone number to provide such testing services. A more extensive explanation of how McMoney works can be found below under "How McMoney works".
How can I be sure that McMoney is not a scam? 
McMoney is owned by CM.com, a respected member in the telecommunications industry. Our certifications prove our reliability and openness, https://www.cm.com/about-cm/security-compliance/. We also adhere to strict privacy policies and use your number only for the causes mentioned.
Who operates the app? 
The McMoney application is developed, owned and operated by CM.com. By using the McMoney application, you agree to this privacy policy. We take the privacy and protection of your personal information very serious. The policy explains the way we process, store and protect your personal information
Why does McMoney want to send test SMS messages to me?
McMoney is part of an application that uses SMS messages in order to eliminate SMS delivery fraud in global telecommunications.


What is SMS Delivery Fraud? How does this affect me?
When sending an SMS message, it sometimes doesn’t arrive at its destination. This might be caused by fraudulent parties in the SMS network. With McMoney SMS, we can help companies find and eliminate these bad connections. For more information on telecommunication fraud, see the explanation below.
I have the app installed but I don't receive any messages. What's wrong?
  1. It is possible that you do not receive text messages for 2-3 days. This is because the amount of text messages can change from time to time. 
  2. Make sure that you have a strong internet connection. 
  3. Make sure that the availability of the McMoney app to receive messages is set to 24 hours a day. You can change these settings by going to the menu of the McMoney app, click on 'account' and then 'availability'. If you did not receive text messages for 3 days or longer, it could be your provider who is causing issues. 
  4. Check the device issues section below for your device and what to do to configure McMoney correctly.    
If problems persist, please contact us at hello@mcmoneyapp.com and we will take a deeper look into any possible issues.

Why are there signs, numbers and/or special characters in the text message?

Special characters are in the text messages so we can test if your mobile operator is transferring the message content properly. Example of a message on your phone: thole x obimph f: -=4,./‘s{aadgr} = nfgh

What do I need to do when I receive a text message?
Receiving test messages, processing the message, and receiving the money in your wallet is done automatically. There is no need to take any further action. You can just simply ignore the messages.
Can I delete the received messages?
Yes, you can delete the test messages right away if you want.
How many messages will I receive?
The amount of texts you receive changes from time to time. It could be that you do not receive text messages for 2-3 days. If you find yourself not receiving text messages for 3 days or longer, please check your internet connectivity as this is required to send you the text message.
Can I receive more messages?
To receive the maximum number of messages, please make sure that you have a stable internet connection at all times. The messages will come in at random and can change from time to time. The number of messages depend on the needs of the system and how much messages we need to send to your mobile operator.


How do I register?
You will need a smartphone capable of receiving sms messages and an internet connection. Then all you need to do is to install the McMoney app and verify your phone number. You don't need to create an account or anything. Once you start receiving the messages, you're all set. For every test message you receive from us, you will get money on your McMoney account. Just keep the app on your device and check how much money you’ve earned from time to time.
Why does McMoney need to verify my phone number?
In order to connect your phone number to the McMoney app, we need to verify your phone number. This is because the amount of money you earn is related to the amount of messages we send to your mobile device.
I installed the app but I didn't receive the verification code. How can I get my code?
In case you didn't receive the verification code, we suggest to check if the phone number you entered is correct. Also, make sure the format of the number is in the right order without the “0” (ex. +31 63 111 222). If the number and the format are correct but you still didn't receive the verification code, please choose the voice verification code. If this does not work either, please contact our support team (hello@mcmoneyapp.com) so we can assist you in the onboarding process.
I have a new phone and I want to transfer my existing McMoney account. Can I keep my balance when installing the McMoney app on my new phone?
If your phone number remains the same, you can install McMoney on your new phone. You will keep your balance as your McMoney account is connected to your phone number (and not to your phone).
How do I un-register?
Just deleting the app is enough. You will no longer receive our test messages once the app is removed from your phone.


How do I earn money?
When you first register your phone, you'll receive a welcome bonus. After that, you will receive an amount for each test message we can send to your phone. There may be other incentives from time to time like a bonus for referring more people to McMoney that can add to your total amount.
Do I get money for every test message that I receive?
You will get money for every message that McMoney sends to your mobile number. This does not include your private messages.
How do I make more money?
You will receive the maximum number of messages when you have a stable internet connection at all times. The number of messages that we sent are based on the needs of the testing systems. The amount of texts you receive changes from time to time. It could be that you receive more than 2 messages per day. But it could also be that you do not receive text messages for up to 48 hours.
What is the minimum amount to payout?
The minimum amount for a payout differs per country. We have a minimum amount because of the charges we pay for the money transfer. You can find the minimum amount for a payout in the opening screen of the McMoney app.
I see money on my balance in the app. How can I transfer this money to my bank account?
Once you have the minimum amount earned over the McMoney app, the “Request payout” button will become available. By clicking on this button you will send us a request to payout the money you earned by using our app. At this moment, the payout is only available through Paypal, so it is necessary that you have a Paypal account.
I didn’t receive the money on my bank account. What went wrong?
In order to enable us to payout your earned money, you need to enter the payment details in the app first. Please fill out your email address for PayPal payment requests. A paypal.me link does not work. Please take into account that McMoney pays out once a week on Thursday.
When can I expect my payment?
We payout once a week on Thursdays after you requested a payout. So in case you ask for a payout on Friday, please keep in mind that you have to wait some days before you will get paid.
Can multiple users use one Paypal account to claim payouts?
Yes, you can use the same Paypal account for multiple mobile devices that are using the app. You can have the app installed on more mobile devices that use different phone numbers and you can use one Paypal account to claim all the payouts.


Huawei saves power by disabling certain apps by default. This blocks the push notification service for McMoney. If you want to receive messages from McMoney, please enable McMoney in your battery savings settings.
For Huawei P10 and higher, go to System Settings -> Battery -> App Launch.
For older Huawei versions, go to System Settings -> Advanced Settings -> Battery Manager -> Protected Apps.
These are some extra steps you can try out:
  1. Go to System Settings -> Apps -> Advanced -> Ignore Battery Optimizations -> Select McMoney.
  2. Go to System Settings -> Notificaton panel & status bar -> Select McMoney -> Activate Allow notifications & Priority display.
  3. After configuring these steps, restart your phone to apply the changes.
If you are experiencing issues with your Oppo device, try the following steps:
First, put McMoney on your whitelist using these steps:
  1. Open McMoney, then press the Home button.
  2. Press and hold the Menu button, a list of all open applications will appear. 
  3. Select McMoney. Press, hold and swipe down McMoney to whitelist the app.
If you want to disable the whitelist entirely, press and swipe down again.After whitelisting McMoney, we recommend that you enable auto-run for McMoney by going to Security Center -> Privacy permission -> Startup manager -> Enable McMoney’s notifications.
Finally, please enable notifications for McMoney by going to Settings -> Notification and status bar -> McMoney -> enable Allow notifications, Display on lockscreen and Display.
If you are expecting issues with your Xiaomi device, try the following steps:
First, check the battery usage restrictions on McMoney by going to Settings -> Manage apps battery usage -> Apps -> McMoney -> No restrictions.
Secondly, we recommend that you enable autostart for McMoney by going to Settings -> Permissions -> Autostart -> Enable McMoney
Thirdly, please enable notifications for McMoney by going to Settings -> App notifications. Toggle McMoney for Priority on
Finally, lock McMoney in the recent apps/apps overview pane:
  1. Open McMoney and press the recent apps / overview button (that’s the square button on stock Android, or the button with three horizontal lines). 
  2. Find McMoney.
  3. Pull down on McMoney to lock it
If you are expecting issues with your Vivo device, try the following steps:
If you have the iManager app, go to iManager -> App Manager -> Autostart Manager -> Enable McMoney
If you don’t have the iManager app, go to Settings -> More Settings -> Applications -> Autostart -> Enable McMoney
If you are expecting issues with your Asus device, go to Auto-start Manager -> DOWNLOADED tab -> Allow McMoney
Most of the latest OnePlus devices automatically make background apps go to sleep due to Doze mode to expand the lifetime of the battery. As a result, you will only get test messages if you are regularly using your device.


Companies worldwide want to send important SMS messages to consumers like yourself. For example, banks, insurance companies and authorities. These kinds of SMS include verification codes to complete your registration, just like the one you'll receive from McMoney.

The fastest route
Companies can't send SMS messages straight to your phone. It actually needs to travel over many different mobile networks until it finally arrives on your mobile. These SMS deliverers (mobile networks & operators) connect with each other worldwide to make sure the SMS gets delivered to your phone using the fastest route.

Detecting fraud
Unfortunately, there are some SMS deliverers who use a low quality connection. The company pays the SMS deliverer to send a message but that message is never delivered. The company has no way of knowing what happened to the message and you will never receive the message.

Improving connections
This is how YOU can help improve the telecom industry by using McMoney! You help companies by telling them how these test messages were delivered to your phone. A company will send you a special message for testing and McMoney automatically reports back the information about the delivery.

Taking action
When a company finds out their message is not reaching a phone, McMoney makes this visible to them. Now the company can remove the connection that's causing your messages not to be delivered, and make everybody more reachable!

Why is registration unavailable for me?
We can only support limited amounts of users in specific countries. If this limit has been reached, then, unfortunately, you won't be able to register in that country at this point in time.

How does the referral program work?
Earn extra money by referring new users to McMoney! All McMoney users will get a referral code they can share with people who haven't installed McMoney yet. Both you and the one who uses your code will get a bonus. You can share your code with as many people as you like.

Using a referral code as a new user will give you a one-time bonus as soon as you have received enough messages.

If your referral code is used, you will also get a bonus as soon as the referred person has received enough messages.

You can track the progress of your referrals in the McMoney app under the new 'referral' option in the menu.

At times, there might be promotions for specific regions. During a promotion period, you can get a bigger bonus for referring people registered with specific networks!
Promotions will be announced on our Facebook page and in the app.

I can't enter a referral code in my app
Entering a referral code is only possible during your first registration. If you are a first-time McMoney user, it's possible you are using an invalid code. Please check the code and try again.

When is the referral bonus available for payout?
After using a referral code, you must reach a minimum amount of messages to unlock the referral bonus. If you shared your code, the same rule applies; you must wait until your referred friend has reached their threshold limit.

You can track the progress of your referrals in the referral screen.

Why does my bonus money not count to the minimum balance needed for a payout?
The bonus money is counted separately from your earnings for receiving SMS messages. As soon as you reach the threshold by receiving SMS messages, your bonus money will be included in the payout.

What happens when I transfer to a different number?
If you change your phone number, your existing code will still be valid and the bonus money you have earned will still be available.

What happens if I receive a bigger bonus due to a promotion, but I can't request a payout in the promotion period?
The bonus amount you receive is fixed the moment you register your referral. So even if you request a payout later, your increased bonus amount will be paid out.