Who says there’s no such thing as a free lunch? Every year businesses (and the government) give away thousands of dollars in free money and free PayPal money as a way of promoting their websites or products.
Some of them only require filling out a form or downloading a free money app. Some of them take a bit more effort, but you can easily knock out all of these in a weekend to get free money online.
Here are a few ways to get some free money for 2022 for yourself today.
Is Free Money 2022 Really Free?
You’re understandably skeptical. To clear questions you have, we’ll first clarify what we mean by free money 2022.
Free refers to any cash bonus or rewards you receive for signing up for and using a service. It’s as simple as receiving a welcome bonus of $10 when you sign up for a new savings account.
Or it’s the redeemable points you accumulate for sharing your opinion with a company.
So this money is absolutely free in the sense that you’re not trading hours of hard labor in exchange for it but you’re receiving additional benefits while you perform your day-to-day activities.
How to Get Free Money 2022
1. Take Advantage of Your Employer 401(K) Match at Work
Some jobs come with amazing perks. One of these is matching the 401(K) contributions that you make towards your retirement savings.
This is where your employer contributes a certain amount towards your retirement account based on what you are already contributing each month.
It is often structured such that the employer matches a percentage of the employee’s contributions. However, employers will only do so up to a certain limit.
It’s a great deal and if your employer offers the option, be sure you’re fully signed up for it.
2. Get Paid Interest on Your Savings
Looking for an effortless way to earn free money in 2022? Look no further than your bank.
One advantage of having a savings account or more liquid forms of money such as certificates of deposit or money market accounts is that they earn interest for you while you sleep.
The key is to compare options to ensure you’re getting the best interest rates out there.
A quick trick will be to focus on online savings banks that offer higher interest rates than traditional banks. This is because online banks have lower overhead costs and can truly focus on maximizing returns for their customers.
3. Get Paid When You Watch TV or Use The Internet
Nielsen is one of the leading providers of media and marketing information including TV ratings. So, naturally, they have to keep their ears to the ground on what viewers and consumers of media and content are into.
In order to do this, they offer paid panels where you can share your TV and internet usage as well as your opinions on the different media you consume.
Similar to other apps you’ll learn about below, Nielsen asks you to provide your basic information and then download and install their app to your devices.
And that’s it. You won’t hear a peep from their software except for “ka-ching” as you earn more money!
Making money from home is the 21st-century dream. And it’s not out of reach for you as long as you have a computer and a working internet connection.
Inbox Dollars is a fun rewards program that will pay you cash for your everyday online activities such as searching the web, taking surveys, or watching trending content.
Like other sites, you accumulate cash as you go and when you’re ready, you’re able to request payment as a gift card, check, or PayPal.
Inbox Dollars has been around since 2000 and it doesn’t look like it’s going anywhere, anytime soon!
4. Earn Money While You Shop Online and In-store
Known previously as Ebates, Rakuten is another go-to source for great cashback deals. Offering 40% cash back at over 2,500 stores (online and in-store), who wouldn’t want to sign up?
What’s even cooler is that, unlike other sites, with Rakuten, there are no points, no fees, and no forms.
How it works
- Go to the Rakuten site
- Shop at your favorite retailer using their browser plugin, on their site, or via their app
- Earn cashback on your purchases. Cashback will be added to your account.
- Get paid by check or through Paypal
If you sign up today, you’ll get $25 for every friend you refer (while the offer lasts).
You’re not one to turn down a gift card, are you? Didn’t think so!
If you’re looking for a legit way to earn gift cards, look no further than Swagbucks.
All you have to do is:
- Sign up for free for Swagbucks
- Earn points by shopping online, answering surveys, or watching cool videos
- Once you’ve accumulated some points, redeem them for free gift cards at your favorite stores like Amazon or get cashback through Paypal
In just 3 easy steps done from the comfort of your home, you’ll be well on your way to snag some cool gift cards.
As a partner site to Swagbucks, My Points lets you earn points from shopping online, taking surveys, and watching videos.
As you do so, you accumulate more and more points that you can redeem for gift cards, miles or cash through PayPal.
If you want to maximize both your in-store and online purchases (especially grocery shopping), you’ll definitely want to download the Ibotta app.
To earn in-store, all you have to do is:
- Open the app and choose “Find offers” which lets you select offers by store type e.g. grocery, pharmacy, or restaurants and bars among others
- Choose the offers you’re looking to redeem and hit the “Add” button
- Go to the store and make purchases
- Upload your receipt
- Earn cashback on your purchases
As you can see, it’s simple and takes a few quick minutes.
Want even more cashback? Be Frugal offers even more opportunities to earn some dollars back in your pocket.
Offering 40% cash back at 5,000+ stores, the site guarantees it offers the highest cashback rates in the market and it has reviews to support it!
If you sign up today, you’ll be able to redeem their $10 bonus (while the offer lasts).
There’s nothing quite like accumulating freebies while shopping from your phone. And that’s precisely what Drop does for you. With over 3 million users, Drop is an app that lets you shop at your favorite brands and gives you a reward for it.
Intrigued? It’s not just your favorite clothing brands like Asos, Nike, or Adidas that are on there, you’ll also find your favorite food sites such as GrubHub and Starbucks as well as services such as Uber or Lyft.
All at the tips of your fingers.
For every purchase you make through the Drop app, you earn points that can be redeemed on the most popular sites out there such as Netflix, Amazon, and Starbucks. Totally worth it if you ask me.
5. Get Refunds With Paribus
So, you think the IRS is the only one that can send you a cool refund, huh? If you answered yes, you clearly haven’t heard of Paribus.
Developed by Capital One Bank, their amazing software tracks your purchases and figures out if a store owes you a refund.
How does it work?
- You shop for your favorite items online.
- Paribus tracks the purchase and monitors pricing after you’ve bought the item.
- If the price goes down, Paribus gets right to work, notifies you, and helps you to get the difference in price back.
6. Use Apps to Track and Save Your Money
The internet is amazing because you have so many options at the tips of your fingers. And while that is great in theory – in practice, it can paralyze.
Because let’s face it, you can quickly suffer from decision fatigue making it so easy to leave money on the table.
Fiona is a fast way to search for a range of financial services from providers without going through each option one by one. If you’re looking for the best savings accounts, best credit card offers, or most affordable loans, Fiona will aggregate the data for you and show you your options in a few easy steps.
The best part? Fiona doesn’t ask for any of your personal details!
They work to negotiate the price on your internet, wireless phone, TV, satellite radio, and more.
Why we love Billshark
- You can use their online calculator to estimate your bill savings
- It’s easy to upload your bill info so they can get to work negotiating on your behalf
- There are absolutely no fees until they successfully negotiate your bills!
Billshark can help you save up to 25% on monthly bills in just minutes!
Like BillShark, Trim helps you get to the bottom of where your money is really going. By managing your subscriptions and lowering your bills, this app may be just what you need to get free money for 2022 fast. All you need to do is to download the app and connect your accounts to start saving.
Savings account. Checking account. 401(K). Mortgage. Car Loan. Online savings account. Credit card. It’s a lot to keep track of, isn’t it?
If you’re diligent about tracking each penny in each account, then great–you can stop here. But, if you’re like the rest of us, a little help with managing multiple accounts can go a really long way.
That’s where Personal Capital comes in.
The site lets you link all of your accounts to their platform allowing you to see your finances in one place. You’ll be able to see all your investments and your net worth, and set your spending and savings goals.
You’ll also be able to quickly see sneaky hidden fees such as expensive mutual fund fees that you might not need to be paying.
7. Get Paid to Share Your Opinions
Who said making money has to be boring? With Survey Junkie, you can have a say in the direction your favorite brands take by sharing your opinion with them and getting paid to do so.
Not only will you challenge your favorite brands to improve on their products and services, but you also make some extra cash while doing so.
To get started, sign up and create a profile. Your profile information will determine what types of surveys they send your way. Once your account is up and running, you can begin taking surveys and earning virtual points.
We can redeem points in two ways–either as cash through Paypal or as an e-gift card.
SurveySavvy is another survey site that links you to companies looking for user feedback in exchange for cash. They have a few ways to do this:
- Once you’ve completed your profile, Survey Savvy matches your information to criteria determined by the company.
- You will then receive an email invitation prompting you to take part in a survey.
- A screening test will be required before you can start taking the survey so once you’ve answered all the questions and submitted your information, you’ll then be able to take the survey.
- At the end of the survey, you’ll be credited with the amount promised.
It’s no secret that the world runs on data. And companies get it from no one else but you, so why not get paid for it?
Behavioral science is a huge deal in the e-commerce and tech space. Companies like SavvyConnect (owned by SurveySavvy) pay big bucks to know exactly what people are doing on their computers.
Their spending habits, their favorite sites, and what draws people to those sites.
While it sounds creepy, you can totally make some money from this without sharing too much personal information.
If privacy is a concern, you can switch to the Incognito mode of your browser and Savvy will not be able to access information on your screen.
SavvyConnect lets you download a desktop application that works silently in the background while you browse the internet.
What’s that? A $1 bonus is too little you say? If that’s your first thought when you go to sign up for Vindale Research, take a moment to think of the positives.
While the site might not welcome you with a windfall of cash, the incentive may be just what you need to get started on your journey to earn free money.
By taking surveys on their site, you’ll find hundreds of new opportunities that are added to the site daily that can be taken from any device whether mobile or on the computer at home.
8. Get the Best Shopping Deals with Dosh Cash
It’s no secret that every year millions, if not waste billions of dollars on purchases.
Whether it’s from buying seriously overpriced items when you could have gotten them cheaper a few blocks over or unclaimed rewards when making purchases.
Dosh helps to make sure you don’t leave any money on the table. It lets you connect your credit or debit card securely to their platform. You can then shop at thousands of shops and restaurants and get up to 10% cashback.
Once the money shows up in your app, you’re free to do as you will with it–you can transfer it to your bank accounts, send it to your PayPal or even donate it to charity.
9. Ditch Gifts for Gift Cards
A gift is such a precious gesture and can be such a treat to receive. However, sometimes someone can get you an expensive gift when you’d much rather have cash instead.
If you’re comfortable doing so, vocalize your preference. After all, you’ll be saving someone the trouble of gift shopping and you’ll be able to get a gift card instead that will give you more flexibility.
10. Make Money From Your Old Devices
It’s not uncommon to retire electronics after a few years, even if they’re still functional. A lot of the time, they’re outdated and are so far behind all the latest technology that seems to change at a moment’s notice.
But what do you do with your old devices? You could just keep them till who knows when.
Decluttr is a noteworthy site where you can sell your old tech gadgets hassle-free. And you know what’s really great about the site? You get a free instant evaluation upfront for goods you want to sell.
That way, you know exactly how much you’re getting upfront and without having to stress about hidden fees.
Once you decide to move forward with the purchase, simply pack your goods into a box. Print a free shipping label, and once your items arrive at the warehouse and get screened for approval.
Expect to receive next-day payment either as a check, PayPal, direct deposit, or as a donation to charity.
11. Make Money Renting Rooms in Your Home with Airbnb
If you have extra unused rooms in your home, Airbnb can be a great way to cash in on it. You’ll get to welcome guests from all over the world into your home and you can be as present or as absent as you want to be during their stay.
Some guests never meet their hosts while other guests get to spend time with their hosts and learn one or two things about the city they’re in.
Whatever the case, the tone is 100% set by you as the host. You also have the freedom to choose which days you want to open your home for Airbnb hosting and you can block out the days you prefer not to host.
12. Sell Your Photos
Reckon you’re an excellent photographer? You might expand your horizons by being your family and friends’ free photographer.
In a matter of a few clicks, you can find perfect strangers who will be more than willing to drop their hard-earned money on your photos.
There are a ton of stock photography sites that will gladly accept your images and pay you sometimes $100 per image or more.
These sites include SmugMug Pro, iStock Photo, and Shutterstock among many others.
13. Revisit Your Tax Return
In a dash to beat the annual April 15 tax filing deadline, you may have overlooked a thing or two on your taxes such as a tax deduction that applied to you.
However, it is not the end of the road. There’s room for redemption. If you overpaid, you can file an amendment to your original tax return and get your hard-earned money back in your pocket.
Learn more on IRS.gov
14. Lookout for Unclaimed Money
Did you know that every state has unclaimed property programs that find owners of forgotten assets? In 2015, the government returned $3.325 billion to its rightful owners.
What’s really neat is that heirs can make into perpetuity, even claims. So, if your great, great, great grandparents were cousins with the Rockefellers, you may just be in for a treat! You just never know!
15. Get Free Money 2022 From the Government
If you need help, then you can look to get free money in 2022 from the government. Here’s how with these legitimate free money 2022 earning sites:
Your first stop should check out Unclaimed.org for “missing” money that they may owe you.
The NAUPA endorses this site and would typically include old security deposits that you’ve paid in the past and those sorts of things. This would be a great way to get free money sent by mail that is owed to you.
This is a similar site to unclaimed, the NAUPA also endorsed org.
MissingMoney.com featured collective records from all states of all residents’ unclaimed property. You don’t even have to sign up to get free money all you do is a free search to see if you’re owed anything.
Child Care and Development Fund
The Child Care and Development Fund (CCDF) Plan serves as the application for the Child Care and Development Block Grant (CCDBG) funds by describing.
And assurance about, the grantee’s child care program and all services available to eligible families that need free cash and funds as aid.
Low-Income Home Energy Help Program
The Low Income Home Energy Assistance Program (LIHEAP) helps keep families safe through initiatives that assist families with energy costs. If you legitimately need money today for free, then it is worth checking out.
Federal Pell Grant for Education
They usually award federal Pell Grants to undergraduates. The amount depends on financial need and the cost of attendance at the college. You can learn more at the Federal Student Aid website.
16. Join Sites that Give You Free Money 2022 to Invest in Stocks (up to $1,000)
There are several companies that offer free stocks online through their services and apps. You can then choose to hold for the long-term or sell for a quick profit.
Some companies may even pay dividends.
Robinhood offers you a chance of earning a free stock valued between $2.50 and $200 by playing their pick-a-card game of chance.
There are no minimum balance requirements to open an account and it’s completely free (must submit the application to claim free stock). We are an affiliate partner of Robinhood and may receive compensation when you click on their links.
Currently, Webull offers the opportunity to get free stock worth between $8 and $1,600 if you open your account and deposit at least $100. You can trade EFTs, stocks, and options for free through the Webull app or their site.
M1 Finance offers the opportunity to get a free stock worth $10 when you sign up for an account. After creating an account for free and depositing money, you set your stock and index selections and have M1 Finance automate your investments on your behalf.
Acorn is a financial app available via iOS and Android phones. This app rounds up your purchases on linked credit cards to the nearest dollar and invests that amount for your future.
Get $5 when you sign up for a new account with Acorns. Acorns also allow you to earn cash back on your everyday purchases at select stores. You can set up your cashback earnings as recurring investments.
Public is another investment app that will give you a $10 free sign-up bonus for creating a new account.
17. Free Money 2022 for Referring Friends
We absolutely love referral codes. In terms of how little effort they need and how much money you could make.
It’s hard to think of a better way to earn free money in 2022 than referring your friends and family to sign up with a few companies.
The biggest and best offers will indeed come from the banks and utility providers, but loads of companies have referral schemes.
Some reward you as credits, but others will pay you cold, hard cash.
18. Get a Student Loan Refund
You see, to repay your Student Loan, two things need to happen: you must have reached the first April after your graduation, and you must earn over the threshold for your repayment plan.
While this is less than ideal, what it means is that 100,000s graduates are also entitled to a refund–a lump sum of free cash that averages at least a few hundred quid.
19. Check Your Current Rewards Balances
Many programs, including Capital One and Chase, let you redeem your points for gift cards or cash. For example, Chase Ultimate Rewards now ties directly into your Amazon account, where you can use them to pay for new purchases.
The redemption values often aren’t as strong as they would be when exchanged for travel but can be a great way to offset more pressing expenses.
20. Cut Your Insurance Cost: $961 Per Year
Want to know the dirty secret of the car insurance industry?
Here it is: your cars are worth less every year because of depreciation, but you keep paying the same amount!
Check out Gabi for a quick and painless quote process and compare the best rates in the business on the car and home insurance. It’ll take just a few minutes (you can even do it on your phone) and users save an average of $961 per year!
21. Get Free Money 2022 for Using the Internet: Up to $50/Year
Surprisingly, there are a few companies that will pay you just to install their apps and run them in the background on your devices. These are low-maintenance, low-overhead options to earn from what you’re already doing.
22. National Consumer Panel (NCP)
Make money with National Consumer Panel by providing data from your purchases as a consumer.
If you are chosen to be a panelist, you will receive a handheld scanner. Scan barcodes on purchases and provide other purchase details.
NCP rewards you with points you can redeem for various prizes as well as sweepstakes entries for contests.
MobileXpression is a market research panel that pays you in exchange for data from your mobile phone.
Download their app and allow it to work in the background recording your browsing habits while on your phone.
By participating with MobileXpression, you’ll earn weekly credits redeemable for gift cards to popular retailers.
24. Get Paid to Switch Banks: Up to $500
According to Bankrate, switching banks could pad your account with an extra $50-500!
Why do they give you free money in 2022 just to move your money around?
Because they know switching banks is a pain! And once you do, you’re likely to be a customer for a while.
Just make sure to check the fine print to make sure you can meet the minimum deposit and monthly balance requirements.
25. Check Gift Card Balances
If you have unused gift cards lying around, those could be another source of free “found money.” It’s always nice to score a free meal from a gift card you forgot you had.
And if you don’t want to redeem it, you can try to sell it through Craigslist, eBay, or a gift card marketplace like Raise.
26. Down Payment Assistance
Several state and federal programs offer down payment loans — and sometimes even grants — to prospective homebuyers.
If you’re in the market, it definitely makes sense to see what programs might be available in your state.
27. Refinance Your Debt $200+ Per Month
Since interest rates are so low, you may be eligible to consolidate or refinance your existing debt.
Credible is a great resource to shop for student loan refinancing options, while LendingTree may be worth a look for your mortgage rate options.
If you can score a lower interest rate and reduce your payments, that adds cash to your bottom line every month.
28. Childcare Assistance
As someone who’s paid over $2000 a month for childcare, I know firsthand kids are expensive!
Thankfully, the government has several income-based help programs to help offset the cost of childcare. Drill down to your city and state to see what may be available.
29. Shopping and Cash Back Apps: $150+ Per Year
Pei is my favorite new cash-back app. With it, you’ll automatically earn an extra 1-10% cash back at over 50,000 many stores and restaurants.
Also, at press time, Pei is dishing out fatty $10 sign-up bonuses after you link your card and make your first purchase. I’m not sure how long that will last, but I’ll take it!
Pei uses bank-level 256-bit encryption to keep your information secure and uses 2-factor authentication when linking your cards.
Once you earn $25, you can cash out via PayPal or Bitcoin.
So far I’ve earned Pei points from Target, Starbucks, Trader Joe’s, 7-Eleven, In-N-Out, Papa Murphy’s, and more. Here’s my full Pei review if you want to learn more.
30. Capital One Shopping (formerly Wikibuy)
The free Capital One Shopping browser extension automatically scours thousands of shopping bargains, offers, and coupons from retailers while you’re shopping online. If there’s a better price out there, this free tool can help you find it.
31. Earn Credit Card Sign-Up Bonuses
One of the best ways to make some serious extra cash is to take advantage of credit card sign-up bonuses.
My favorite credit card is the Discover it® credit card which has no fees at all and because you can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum when you activate.
32. Get Paid to Get in Shape
Want a way to walk for money? There are a few apps that allow you to get paid for walking. I thought to myself, these apps that pay you to exercise must be a scam, right?
I downloaded the apps that reward you for walking to see if you can actually make money by walking or working out. Yes, you heard that right.
If walking is something you enjoy every day, then there are apps that will pay you to walk:
HealthyWage will pay you to lose weight. Simply sign up with the app and make a bet on how much weight you want to lose, how long you will take to lose that weight, and how much you would like to bet.
Then HealthyWage Prize Calculator will determine the number of your winnings. If you then lose the weight, you will get paid to reach your weight loss goal.
You can redeem your coins for PayPal cash, or merchandise like Apple devices, sports gear, etc.
Sweatcoin is an app that pays you to walk. They will pay you in cryptocurrency. Once you sign up for the app, you will earn 5 Sweatcoins per day for 5,000 steps.
But if you choose a higher membership level that is charged monthly in Sweatcoins, you can increase the number of Sweatcoins you can earn per month.
You can use your Sweatcoins earned to buy goods and services from brands in the app’s marketplace.
Once you sign up for an account with Achievement, then you will have to connect your desired fitness apps to Achievement.
Then you can start earning points and rewards by performing a variety of exercises, including walking that improve your health.
The more active you are, the more you warn. Once you have earned 10,000 points, you can redeem your points for a $10 reward via PayPal or direct deposit to your bank account.
33. Get Free Money 2022 Playing Games
Playing games on your smartphone is a fun way to make money in your spare time. You will not make a stable income with game apps to win real money, but if you enjoy playing games on your smartphone, this can be a nice way to earn actual cash.
Mistplay is an app that pays you to play games online on your Android and iOS devices. You earn points that can be redeemed for Amazon gift cards, iTunes, Nintendo, and Visa prepaid gift cards.
You can earn anywhere from 20 to 200 points per game, depending on the time spent playing and other factors. One thousand five hundred points are equivalent to around $5.
Lucktastic is a free app that allows you to win actual cash and prizes and earn tokens by playing scratch-off games.
You can earn tokens as you play and redeem your tokens for gift cards from over 30 major brands and retailers or use tokens to enter contests to win a prize.
If you are interested in only playing the classic Solitaire game online, then playing solo card games using Solitaire Cube is a fun way to earn real money.
It is free to download the app and create an account. But you will have to make a minimum deposit of $10 into your account to play for real money.
I have Free Money 2022, Now What?
You’ve done all you needed to do, and you raked in some good free money–what should you do with it? Here are a few suggestions that may help you make the most of your additional income.
As you can see, there are a ton of ways for you to make free money in 2022 that require little to no effort on your part but could make a world of difference to your finances.
Many of these require you to simply sign up and do the bare minimum. Like share and subscribe to this site for more topics like this and updates.