For anyone who wants to run several earning apps at once, we compared five on whether they clash when stacked, how much daily effort they take, and from how little you can cash out and into what. The idea is Cashplay at the base, with Cashwalk, Toss Step Counter, Monimo and Panel Power on top.
If this is you, go here
Pick your situation and jump to that place. 5 places.
- You want game time at the base with the other apps on topCashplay
- You will give up the lock-screen slot to collect steps automaticallyCashwalk
- You want the same steps counted again into a bank account without another installToss Step Counter
- You already open your phone first thing and want payouts from ₩1Monimo
- You will sit for ten minutes at lunch and want over ₩20,000 a monthPanel Power
At a glance
- Each app counts steps on its own, so Cashwalk, Toss Step Counter and Monimo all credit the same 10,000 steps. Only Cashwalk takes the lock-screen slot; Cashplay and Panel Power use neither steps nor the lock screen, so they stack anywhere.
- The time cost is game time for Cashplay (up to 2 hours a day counted) and survey time for Panel Power. Cashwalk's boxes, Toss's claim button and Monimo's wake-up check only need a tap.
- First payout thresholds: Cashplay ₩1,000 to Naver Pay, Toss 100P to a bank account (10% fee), Monimo from ₩1 of Monimoney to a bank account (no fee), Panel Power ₩1,000 for vouchers and ₩10,000 for cash. Cashwalk is gift vouchers only.
- Per month, round-up posts give ₩3,000 for one step app, ₩6,000 for two, and ₩10,000–30,000 if you mix types. Among reviews, Panel Power's ₩20,000–50,000 and Monimo's ₩26,000 over four months are the largest.
Anyone who has taken ₩3,000 in a month from one step-counter app asks the same thing next. Does a second app double it? Going by 2026 round-up posts, two step-counter apps together come to around ₩6,000 a month. Each app counts the same steps on its own.
So this piece is not about which app pays most. It is about which apps stack without clashing. Steps can be counted by any number of apps. The lock screen can belong to only one. Games and surveys spend your own time. Five apps go into those three slots.
The base is Cashplay. It builds up from game time, so it never overlaps with step or lock-screen apps, and ₩1,000 turns into Naver Pay. Put the three step apps on top, and add Panel Power if you have time to sit down.
01Best when You want game time at the base with the other apps on top
Cashplay (캐시플레이)
Game rewards app (Duhub Inc., launched November 2023, around 150 game partners and 500-plus games)Mobile AppsGoogle Play 4.4 (100,000+ downloads)
- Rating
- 5.0Duhub's rewards app that turns game time into points, so it never clashes with step or lock-screen apps
- Location
- Duhub Inc. · Google Play (Android)
- Price
- First exchange from ₩1,000 · 100P = 1 cash = ₩1 · no fee · Naver Pay, Google Play gift cards, department store vouchers, convenience store and cafe gift vouchers
- Keywords
- Cashplay, game rewards app, money-making game app, app stacking, Naver Pay rewards, Duhub, mobile earning apps
- Tags
If you open a game even briefly each day, Cashplay is the base. It is an Android rewards app run by Duhub. Time spent on partner games turns straight into P. It uses neither steps nor the lock screen. So it clashes with no step counter.
The Collect tab carries app-install and sign-up missions. Start there when you install another earning app and that install becomes P too. Exchanges cost no fee and go to Naver Pay or convenience store and cafe gift vouchers. Two reviews say it does not force ads on you. This is the app to lay at the bottom of the stack.
- Watch out
- Game time counts for only two hours a day, and there is no iPhone app. On an iPhone, swap the base for Panel Power at number 5.
Info & reviews Review digest · the gist of several reviews, not verbatim quotes
- Collected 161,675P over two months and exchanged it for 1,610 cash; it feels good to think of it as ₩1,600 earned while gamingTistory blog
- Only two hours a day count, but playing in gaps made two hours feel about rightTistory blog
- I hate watching ads, and this does not force them; hitting cancel ends itTistory blog
- P piles up automatically when you game in spare moments, with separate double-reward event games and daily missionsTistory blog
- You can build rewards in the Collect tab without gaming at all, and users have exchanged for Naver PayNamuwiki
02Best when You will give up the lock-screen slot to collect steps automatically
Cashwalk (캐시워크)
Step-counter rewards app (Nudge Healthcare, launched 2017, 5.6 million daily users)Mobile AppsApp Store (Apple) 4.5 (170,000 ratings, no. 21 in Health & Fitness) · Google Play 5 million+ downloads
- Rating
- 4.0A step counter paying 1 cash per 100 steps, up to 100 cash a day, with the lock screen left on for Android
- Location
- Nudge Healthcare (CashWalk, Inc.) · Google Play and App Store
- Price
- 100 steps = 1 cash · up to 100 cash a day · no cash withdrawal · exchange through Cashdeal and convenience store and cafe gift vouchers
- Keywords
- Cashwalk, step counter rewards, money-making step counter, walking rewards, lock screen rewards, mobile earning apps
- Tags
It has 170,000 ratings. That is the most among walking apps. It is Nudge Healthcare's step counter: 1 cash per 100 steps, capped at 100 cash a day.
On Android you have to leave the lock screen on for it to build up. This app takes the lock-screen slot. Round-up posts say stacking several lock-screen apps slows the phone down. So let Cashwalk be the only one.
Steps count automatically, but the boxes need a tap. Past midnight the boxes are gone. Cash goes to gift vouchers only. This is the step app for anyone whose goal is one coffee.
- Watch out
- You cannot take it out as cash, and it uses one lock-screen slot. If lock-screen ads bother you, count steps with numbers 3 and 4 instead.
Info & reviews Review digest · the gist of several reviews, not verbatim quotes
- I get my exercise in and buy something tasty too; there are quite a few ads, but it does let you earnApp Store (5.0)
- Boxes you have not tapped disappear automatically after midnightApp Store (4.0)
- It used to be 20 cash and dropped to 10, and the check-in reward ad is far too longApp Store (1.0)
- Every update focuses only on adding ads, and it often freezes after an adApp Store (1.0)
- You can buy bread, chicken and ice cream with cash and even purchase vouchers, but you cannot turn it into cashAha (Q&A)
- One step-counter app makes about ₩3,000 a month; running two together makes about ₩6,000 — AIRichLab (2026 round-up)
03Best when You want the same steps counted again into a bank account without another install
Toss Step Counter (토스 만보기)
Step counter inside a banking app (Viva Republica's Toss)Mobile Apps
- Rating
- 4.0A step counter inside a banking app that counts the same steps again and pays out to a bank account from 100P
- Location
- Viva Republica (a feature inside the Toss app) · Google Play and App Store
- Price
- Up to ₩140 a day (₩40 from steps + ₩100 from place visits) · bank withdrawal from 100P in 10P units · 10% withdrawal fee · no fee when spent through Toss Pay
- Keywords
- Toss Step Counter, Toss earning, Toss rewards withdrawal, step counter rewards, walking rewards, mobile earning apps
- Tags
The 10,000 steps Cashwalk counted get counted once more here. There is no new app to install. You just turn the step counter on inside Toss. ₩40 comes from the step tiers, ₩100 from visiting designated places, and ₩140 a day is the cap.
It does not land automatically. You have to tap a claim button at each tier. It turned lottery-style in 2024, so some days pay ₩10 and others ₩500. Just 100P is enough to send to a bank account. The catch is a 10% cut on withdrawal, waived if you spend through Toss Pay. This is the second step app, one tap when you open your banking app.
- Watch out
- A 10% cut comes off withdrawals and the daily amount swings. If you want a fixed figure, go to number 5.
Info & reviews Review digest · the gist of several reviews, not verbatim quotes
- It used to go up to 20,000 steps and dropped to 10,000, and it pays in items instead of money, so it comes to under ₩30 a dayClien (Oct 2023)
- A 10% fee is taken when you withdraw your rewardsClien (Oct 2023)
- It turned lottery-style in 2024, so some days pay ₩10 and others ₩500 — Dasaja (Apr 2026 round-up)
- The advantage is that it builds straight into Toss Money, making withdrawal easy — Dasaja (Apr 2026 round-up)
- The step counter, button taps and wake-up challenge come to about ₩3,000–5,000 a month — Apure (Jul 2026 round-up)
- Using Cashwalk, Toss and Sonmok Doctor 9988 at the same time causes no problems — AIRichLab (2026 round-up)
04Best when You already open your phone first thing and want payouts from ₩1
Monimo (모니모)
Challenges inside Samsung's combined finance app (Samsung Financial Networks, launched April 2022, 6.91 million users)Mobile AppsApp Store (Apple) 4.5 (69,000 ratings, no. 8 in Finance) · check the Google Play rating in the app
- Rating
- 4.5Samsung's combined finance app: jellies for 5,000 steps, a morning wake-up check and three English sentences, with Monimoney to a bank account from ₩1
- Location
- Samsung Financial Networks (seller: Samsung Card) · Google Play and App Store
- Price
- One jelly ₩5–14 (up to 1.4× depending on Samsung financial affiliates held) · special jelly ₩500–800 · converted to Monimoney in ₩1,000 units · Monimoney to a bank account from ₩1 · no fee
- Keywords
- Monimo, Monimo jelly, Monimoney withdrawal, Monimo earning, walking rewards, wake-up challenge, mobile earning apps
- Tags
A March 2026 review reports ₩26,000 over four months. It is Samsung Financial Networks' combined app. You collect jellies, the app's reward token, for 5,000 steps a day, a morning wake-up check, three English sentences and daily attendance. It stacks as one of the three step apps and uses no lock screen.
One jelly is ₩5–14, and the special jelly for a full month is ₩500–800. Jellies convert to Monimoney in ₩1,000 units. Monimoney goes to your own bank account from ₩1, with no fee. The wake-up check closes at 07:30, so the effort is once in the morning. This is the app for anyone who reaches for the phone on waking.
- Watch out
- With no Samsung financial products, jellies stay around ₩5 each. One review times the first launch at 14–15 seconds.
Info & reviews Review digest · the gist of several reviews, not verbatim quotes
- There is no minimum withdrawal and no withdrawal fee; I collected ₩26,000 over about four monthsDobiho blog (Mar 2026)
- Register your own account and the full amount is paid out down to ₩1; I earned ₩364 after joining in mid-MayTistory blog (Jul 2023)
- The morning check has to be done by 07:30 and walking means at least 5,000 steps a dayTistory blog (Jul 2023)
- Jellies pile up each time you hit the set wake-up time, 5,000 steps a day and three English sentencesVanillahigh blog (2025)
- I timed the first launch at 14–15 seconds, and every menu takes about the sameApp Store (review)
- Too much is packed onto one page, so nothing registers and it feels chaoticApp Store (review)
05Best when You will sit for ten minutes at lunch and want over ₩20,000 a month
Panel Power (패널파워)
Survey panel app (Macromill Embrain Co., Ltd., 1.78 million panelists)Mobile AppsApp Store (Apple) 4.6 (4,000 ratings) · Google Play 1 million+ downloads
- Rating
- 4.5Embrain's research panel app: earn by answering surveys, with vouchers from ₩1,000 and cash from ₩10,000
- Location
- Macromill Embrain Co., Ltd. · Google Play and App Store
- Price
- ₩50–2,000 per survey (₩50 when screened out) · vouchers and Naver Pay from ₩1,000 · cash to a bank account in ₩10,000 units · no fee · cash paid twice a month
- Keywords
- Panel Power, Embrain Panel Power, survey rewards, survey app, earning apps with cash, mobile earning apps
- Tags
Without time to sit and answer, nothing builds up here. Even so, it earns the most per month of the five. It is Embrain's survey app: ₩50–2,000 per survey, and ₩50 even when you are screened out. Reviews count ₩100 a minute as a high rate.
It uses no steps, no lock screen, no game time. So it sits straight on top of the other four. Vouchers and Naver Pay come out from ₩1,000 right away. Cash to a bank account goes in ₩10,000 units, twice a month. This is the fifth app for anyone with ten spare minutes at lunch.
- Watch out
- You earn only as many surveys as come in, and one review reports the quota filling partway through. Cash needs ₩10,000 saved up.
Info & reviews Review digest · the gist of several reviews, not verbatim quotes
- Even when you are not in the target group there is some reward, if only a few tens of wonApp Store (5.0)
- Even when you are screened out partway through, they still credit ₩50 each timeApp Store (5.0)
- They give convenience store vouchers for exactly what you collected, with no feeApp Store (5.0)
- They said joining came with ₩2,500 for a survey, then told me at the end that the quota was fullApp Store (4.0)
- I used it for about a month and collected ₩5,000 in Naver PayGoogle Play (review)
- A high share of in-house surveys and a high rate of ₩100 a minute; the ₩10,000 minimum for a cash transfer is a steep conditionUseful Survey (Oct 2024)
The 5 mobile earning apps at a glance
- 1CashplayYou want game time at the base with the other apps on top2 hours a day counted, no iPhone5.0
- 2CashwalkYou will give up the lock-screen slot to collect steps automaticallyNo cash, lock screen required (Android)4.0
- 3Toss Step CounterYou want the same steps counted again into a bank account without another install10% fee, manual claim button4.0
- 4MonimoYou already open your phone first thing and want payouts from ₩1Reviews call it slow, jellies around ₩5 without Samsung affiliates4.5
- 5Panel PowerYou will sit for ten minutes at lunch and want over ₩20,000 a monthCash from ₩10,000, paid twice a month4.5
Choosing in more detail
- If you only have an iPhone — Panel Power at the base, since Cashplay is Android only. The other four run on iPhone.
- If you dislike lock-screen ads — Drop Cashwalk. Toss Step Counter and Monimo still count your steps twice between them.
- If the step counts differ from app to app — Pick one reference app among those linked to Samsung Health or Apple Health. Round-up posts warn of double counting or missed steps.
- If you already use Samsung Card or Samsung Life — Monimo. Depending on which financial affiliates you hold, one jelly is worth up to 1.4 times more.
- If you never play games — Cashplay, Collect tab only. Users have built rewards through check-ins and missions without gaming and exchanged for Naver Pay.
- If you only count money that lands in a bank account — Toss Step Counter from 100P, Panel Power from ₩10,000. Cashwalk has no bank payout at all.
Do not install all five in one day. Add them one at a time. Round-up posts note the extra battery drain, and location permission set to "while using the app" is enough.
Ask before you go
- 1How much extra battery do five stacked earning apps use?
No post puts a number on it. Step-counter round-ups mention battery drain and say location permission can be cut back to "while using the app". Cashwalk's lock screen has to stay on, so treat that one app as the exception.
- 2Can I use Cashslide alongside Cashwalk?
They fight over the lock-screen slot. Round-up posts say to keep only one lock-screen app, and Cashslide allows only one login per device even with its own step app, Stepup. Cash payout also starts at ₩20,000, so it is out of this stack.
- 3Do I get P for installing other earning apps from Cashplay's Collect tab?
Namuwiki says the Collect tab carries app-install and sign-up missions. Which apps appear depends on that day's list. Open this tab before you install anything else.
- 4Do Monimo jellies come without Samsung financial products?
Yes. The ₩5–14 range per jelly is the spread after a multiplier of up to 1.4 depending on whether you hold products from Samsung's financial affiliates. Without them you sit at the low end, and withdrawing Monimoney only needs your own bank account registered.
- 5The three step apps count different numbers. Which one is right?
Each app reads steps independently. Round-up posts say to pick one reference app among those linked to Samsung Health or Apple Health, because double counting or missed steps can happen.
- 6How much can five stacked earning apps make in a month?
Going by round-up posts, two step apps make ₩6,000, and mixing types puts ₩10,000–30,000 a month within reach. Add up the review figures here and Panel Power's ₩20,000–50,000 is more than half. Ads promising tens of thousands of won a day are counting sign-up events and referral rewards together.
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