No. 1 Earning App in Indonesia Without Investment? (2025) Guide

Sitting in traffic in Jakarta? Waiting for your Gojek to arrive? Or maybe just relaxing at home with some time to spare? What if you could turn those spare moments into actual money, directly into your DANA or GoPay wallet, without spending a single Rupiah?

It sounds great, and it’s entirely possible. The search for the “No. 1 earning app in Indonesia without investment” is a popular one, and for good reason. Everyone wants a little extra uang jajan (pocket money).

But here’s the honest truth: there isn’t one single “No. 1” app that’s perfect for everyone. The best app for a student who loves games will be different from the best app for a savvy shopper or someone who enjoys sharing their opinion.

This guide will break down the top contenders. We’ll explore the most reliable and popular apps that let you earn real money without any investment. We’ll help you find the your No. 1 app.

What Makes an Earning App Worth Your Time?

Before we jump into the list, let’s set some ground rules. A good, legitimate earning app should have a few key features. Don’t waste your time on apps that don’t meet these criteria.

• Zero Investment: This is our main rule. You should never have to pay money to earn money. If an app asks for a “membership fee” or an “activation cost,” stay away. It’s likely a scam.
• Clear Payment Methods: The app must offer reliable ways to cash out your earnings. In Indonesia, this means direct transfers to e-wallets like DANA, GoPay, OVO, or bank transfers.
• Positive User Reviews: Check the Google Play Store or Apple App Store. What are other users in Indonesia saying? Look for recent reviews that confirm payments have been received.
• Reasonable Earning Potential: Be realistic. These apps won’t make you rich overnight. They are for earning extra pocket money. An app promising thousands of Rupiah for a few minutes of work is almost certainly too good to be true.
• A Clear Way to Earn: You should understand exactly what you need to do. Is it filling out surveys? Watching videos? Playing games? If the process is confusing, it’s a red flag.

Now, with those points in mind, let’s explore the best earning apps available in Indonesia right now.

Top Contenders: The Best Earning Apps in Indonesia Without Investment

We’ve tested, researched, and analyzed user feedback to bring you this list. Here are the top-tier apps, each with its unique way of putting money in your pocket.

1. Jakpat (Jajak Pendapat) – The Local Champion

If you want an app made by Indonesians, for Indonesians, Jakpat is a fantastic choice. The name itself means “Poll” or “Opinion Poll,” and that’s exactly what it does. It’s one of the most respected survey apps in the country.

• How You Earn: You fill out surveys on various topics, from daily habits to opinions on new products and services. The surveys are usually short, easy to understand, and relevant to life in Indonesia.
• Pros:
  • Highly Localized: Surveys are in Bahasa Indonesia and are relevant to the local market.
  • Trustworthy: A well-established and respected platform in Indonesia.
  • Multiple Payout Options: You can cash out your points for cash (via bank transfer), phone credit (pulsa), shopping vouchers, and more.
• Cons:
  • Screen-outs: You might not qualify for every survey, which can be frustrating.
  • Earnings are Modest: Like all survey apps, it takes time to accumulate a significant amount.
• Who is it for? Anyone who has 10-15 minutes to spare each day and enjoys sharing their opinion. It’s perfect for students and office workers during their break time.

2. Toluna Influencers – The Global Survey Giant

Toluna is a massive global player in the market research world, and it has a strong presence in Indonesia. It operates similarly to Jakpat but on an international scale, often providing a steady stream of survey opportunities.

• How You Earn: Primarily through completing detailed surveys. You can also earn points by participating in community polls and discussions on their platform.
• Pros:
  • Regular Surveys: Due to its global network, there are often more surveys available compared to smaller apps.
  • Reputable Company: Toluna is a legitimate company that has been paying users for years.
  • Variety of Rewards: Payouts include cash via PayPal and vouchers for popular Indonesian stores and services.
• Cons:
  • Longer Surveys: Some surveys can be quite long (20-30 minutes).
  • Higher Payout Threshold: It might take a bit longer to reach the minimum amount needed to cash out.
• Who is it for? People who are serious about earning from surveys and have the patience to complete more detailed questionnaires.

3. ShopBack – The Smart Shopper’s Best Friend

This one is a little different. ShopBack doesn’t pay you for tasks; it gives you money back for something you already do: shopping online. If you ever buy from Tokopedia, Shopee, Lazada, Agoda, or other online stores, using ShopBack is a must.

• How You Earn: You get a percentage of your spending back as “cashback.” Simply open the ShopBack app, find the store you want to shop at (e.g., Tokopedia), click the link, and shop as you normally would. ShopBack tracks your purchase and deposits the cashback into your account.
• Pros:
  • Effortless Earnings: You earn money for purchases you were going to make anyway.
  • Significant Savings: Cashback can range from 1% to over 20% during promotional periods. This can add up to hundreds of thousands of Rupiah over time.
  • Real Cash Payouts: You can withdraw your accumulated cashback directly to your Indonesian bank account or as pulsa.
• Cons:
  • Requires Spending: You only earn if you spend money. It’s not a “free money” app in that sense.
  • Waiting Period: It can take some time (sometimes weeks or months) for the cashback to be confirmed by the merchant.
• Who is it for? Absolutely everyone who shops online in Indonesia. It’s not about earning extra income, but about making your money go further. It is arguably the most valuable “earning” app for the average person.

4. Google Opinion Rewards – Simple, Fast, and Trustworthy

From the creators of Android itself, this app is as legitimate as it gets. It’s incredibly simple and respects your time.

• How You Earn: You answer extremely short surveys, often just one to three questions long. The surveys are usually based on your recent location history (e.g., “Which of these places did you visit recently?”) or your YouTube viewing habits.
• Pros:
  • Very Fast: Surveys take less than 30 seconds to complete.
  • From Google: 100% legitimate and safe to use.
  • Instant Rewards: The reward is deposited into your account immediately after you finish the survey.
• Cons:
  • Pays in Google Play Credit: This is the main drawback for most. The money can only be used to buy apps, games, movies, or books from the Google Play Store. It cannot be cashed out to DANA or a bank account.
  • Infrequent Surveys: You might only get a few surveys per week, or even less.
• Who is it for? Android users who buy digital goods on the Play Store. It’s a great way to get your favorite mobile game’s premium currency or rent a movie for free.

The Verdict: So, Which is The Real No. 1?

As we said, it depends on you. Let’s declare a “winner” for different categories:

• The No. 1 App for Consistent Pocket Money: Jakpat. It’s local, reliable, and tailored for the Indonesian market. If you want to earn a few thousand Rupiah consistently every day, this is a strong choice.
• The No. 1 App for Online Shoppers: ShopBack. This is a non-negotiable. The value it provides is immense if you shop online. It’s essentially a permanent discount on everything you buy. For many, this will result in the largest financial benefit.
• The No. 1 App for Simplicity: Google Opinion Rewards. It requires the least amount of effort for a reward, even if that reward is limited to the Play Store.

Pro Tips for Maximizing Your Earnings Safely

To make the most of these apps, follow these simple tips:

1. Use a Combination: Don’t rely on just one app. Use a survey app like Jakpat for daily tasks and always have ShopBack ready for your online purchases.
2. Be Consistent: Dedicate 15-20 minutes each day, perhaps during your commute or before bed, to check for new tasks. Consistency is key.
3. Answer Surveys Honestly: Survey platforms have systems to detect inconsistent or nonsensical answers. If you just rush through without reading, you risk getting banned.
4. Protect Your Privacy: Use a separate email address for signing up for these apps to keep your primary inbox clean.
5. Cash Out When You Can: Once you reach the minimum payout threshold, withdraw your earnings. It’s better to have the money in your DANA or bank account than sitting in the app.

Earning apps are a legitimate way to supplement your income in Indonesia. They won’t replace your day job, but they can certainly pay for your monthly coffee, phone credit, or a nice meal. Choose the app that fits your lifestyle, stay consistent, and watch your earnings grow.

Disclaimer

The information provided in this article, “No. 1 Earning App in Indonesia Without Investment? (2025) Guide”, is for general informational and educational purposes only. All information on this site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on this site.

• Not Financial Advice: The content of this article is not intended to be a substitute for professional financial advice. The applications and methods described are for earning supplementary “pocket money” and should not be considered a stable source of income. Always do your own research before signing up for any service.
• Affiliate Disclosure: This post may contain affiliate links. This means that if you click on a link and sign up or make a purchase, we may receive a small commission at no extra cost to you. This helps support our work and allows us to continue providing valuable content. We only recommend products and services that we believe in.
• No Guarantee of Earnings: Your ability to earn from the applications mentioned depends entirely on your own efforts, consistency, and the terms and conditions set by the third-party app developers. We do not guarantee that you will earn any money using the techniques and ideas in these materials.
• Third-Party Applications: We are not responsible for the terms of service, privacy policies, or practices of any third-party apps mentioned, including but not limited to Jakpat, Toluna, ShopBack, and Google Opinion Rewards. Any issues, such as payment disputes or account problems, must be resolved directly with the respective application’s support team.
• Information Timeliness: The world of mobile apps changes rapidly. While we strive to keep the information up-to-date, we cannot guarantee that details regarding payout methods, reward structures, or app availability are current at the time you are reading. Please verify all information on the official app websites or their listings on the Google Play Store/Apple App Store.