SimCash says it pays you for your unused SMS messages. I tested the app to see if that is worth it. You can earn passively, but you earn fractions of a cent per SMS, and the withdrawal fees are very high. Below is what I found, and which apps I recommend instead.
Tested by Mikael (EarnWithMike)Founder and lead testerMikael founded PaidFromSurveys in 2016 and has personally tested hundreds of survey and GPT sites since then. He shows his tests and payment proof to 555K+ subscribers on his YouTube channel, EarnWithMike. He tested SimCash himself and does not earn a commission from it.Learn more about Mikael
Last retested · First published
Passive, but very low rewards and high withdrawal fees
Fractions of a cent per SMS the app sends from your phone. Android only, by APK. Bank transfers start at €50 with a €10 or €15 fee.
On this page
The short answer
SimCash is legit in the sense that you really can earn from it, and you earn passively. The app sells your unused SMS messages: as far as I can tell, they are used to send one-time passwords (OTPs) for other apps.
But you only earn around €0.0020 to €0.0029 per SMS, and the withdrawal fees are very high. You also have to let the app send messages from your phone, and your carrier may not allow this kind of use. Do not expect to earn a lot from it.
- A passive way of earning
- Turns unused SMS messages into money
- User-friendly app that is easy to set up
- Works with dual-SIM phones
- Crypto withdrawals without fees from €4 (XRP and Doge)
- Several ways to contact support
- Very low rewards per SMS
- Very high withdrawal fees for bank transfer, Bitcoin and USDT
- No PayPal anymore
- Android only, and only as an APK from the website
- The app sends SMS messages from your number
- Your antivirus or browser may flag the website as fraud
My experience with SimCash
I installed the app, registered, activated a SIM card and set the limits and the price per SMS. This is what I looked at, and what I did not test.
- First tested
- February 2021Review first published Feb 13, 2021
- Latest retest
- Checked: setup, payouts, fees, reader reports
- Pay per SMS
- Around €0.0020 to €0.0029The maximum price is €0.005
- Device
- AndroidThe app is not in the app store: you install the APK
- Registering with my mobile number
- Activating a SIM card and setting the country, limits and price per SMS
- Letting the app work in the background
- The withdrawal options and fees
- The FAQ and the contact options
- A withdrawal. My review does not show a payout from SimCash.
- Whether your carrier allows this use. Check its terms and conditions first.
Inside SimCash: my video
I made a short video that explains everything and shows exactly how you can earn from SimCash. It is not payment proof: my review does not show a payout.
Screenshots from my test
SimCash pays fractions of a cent per SMS. The top sites in your country pay you more for your time.
See the best sites in your countrySimCash at a glance
| What it is | Passive income app that sells your unused SMS messages |
|---|---|
| Ways to earn | Selling unused SMS, two-tier referral program |
| Pay per SMS | You set the price. Realistically around €0.0020 to €0.0029, at most €0.005. |
| Minimum cashout | €4 for XRP and Doge. €50 for bank transfer. Bitcoin and USDT have a different threshold. |
| Payout methods | XRP, Doge, Bitcoin, USDT, bank transfer by wire, or a transfer to another SimCash account. No PayPal anymore. |
| Fees | None for XRP and Doge. A transaction fee for Bitcoin and USDT. €10 or €15 for bank transfer. |
| App | Android only, as an APK from the website. Not in the app store, no iOS, no desktop. |
| What you need | A SIM card with SMS, an internet connection, and the app running in the background |
| Where you can join | More or less worldwide, from what members tell me. Try to sign up to check. |
| Support | FAQ, contact form, email: support@SimCash.io, Telegram: @SimCash Support |
Is SimCash legit and safe?
SimCash is legit in the sense that you really can earn from it. But you give the app access to your SIM card, and that comes with real risks. Here is what you should know.
- The app sends SMS from your number
The website does not really explain what the messages are used for. From what I found, they are used to send one-time passwords (OTPs) for other apps, to SIM cards in the country you choose.
- Your carrier may block your line
If your network carrier does not allow this kind of use, this app is not for you. Check its terms and conditions first. Readers write that carriers cut off or blocked their line for sending too many SMS, even on an unlimited plan.
- Your antivirus may flag the website
When you go to the SimCash website, your antivirus or browser may warn that the site is a fraud. Consider that before you decide if it is worth it.
- Very high withdrawal fees
A bank transfer needs €50 and costs €10 or €15. Bitcoin and USDT have a transaction fee too. I have not seen such high withdrawal fees on a Get-Paid-To site before. Only XRP and Doge are free, from €4.
- You only earn while the app runs
The app needs an internet connection and must keep working in the background. If you clear the apps running in the background, it closes and you stop earning.
My takeIf you don’t mind letting the app send SMS messages, then SimCash can be an easy way to earn a bit extra. However, you will not earn a lot and they charge very high withdrawal fees. Considering how low the rewards are, I think it is a very poor service of SimCash to charge these high withdrawal fees.
How you earn on SimCash
There are 2 ways to earn. Selling unused SMS is the main one. Tap one to read more.
Selling unused SMS€0.0020 to €0.0029 per SMS
Install the app, register, and open the dashboard. The app detects your SIM cards automatically, and it also works with a dual-SIM phone. Click “Edit” on a SIM card and set it to “Active”.
Then set which countries the messages go to. I suggest only your own country, because other countries are counterproductive and cost more in most cases. Next, set your hourly, daily, weekly and monthly limits. With unlimited SMS in your subscription, “No Limit” earns the most, but check what your carrier allows first.
Finally, set the price per SMS with the slider. A higher price sells fewer messages; the lowest price sells more, but you earn less. Start with a fair price around the edge of the green section, around €0.0029. The maximum is €0.005 per SMS.
Then press the Back button on your phone and choose “Keep working in the background”. The app needs an internet connection to track the messages it sells.
Referral program10% and 5% commission
Share your referral code, and remind people to enter it when they sign up. You earn a 10% commission on every SMS your level 1 referrals sell, and 5% on the people they invite (level 2).
The rewards are not a lot, but you do not have to meet a condition before you start earning from your referrals.
How much can you make?
You will not earn hundreds of dollars or euros from this app. The maximum per SMS is €0.005, and at that price you will not sell a lot. The more realistic amount is around €0.0020 to €0.0029 per SMS.
It can be a bit more worthwhile if you have unlimited SMS from your carrier. But compared to Money SMS, which pays you per SMS you receive, SimCash does not have a high earning potential.
See also the best passive income apps.
Withdrawal methods, minimums and fees
| Method | Minimum | Fee |
|---|---|---|
| XRP | €4 | None |
| Doge | €4 | None |
| Bitcoin | A different threshold | A transaction fee |
| USDT | A different threshold | A transaction fee |
| Bank transfer (wire) | €50 | €10 in euros, €15 in USD |
You see your total earnings as soon as you open the app. You can also transfer your earnings to another SimCash account, but that is a bit useless, in my opinion.
You used to be able to withdraw via PayPal, but that option is no longer there.
I like that SimCash offers direct bank transfer, but the €50 threshold and the fee are very high for an app with rewards this low. For sites with this method and lower costs, see the top sites that pay via direct bank transfer.
Who can join, and which devices
SimCash does not say which countries it is available in. Based on feedback from other members, it seems available more or less worldwide. To check, install the app and try to sign up: if your country is listed among the choices, you can use it.
Fill out the sign-up form with your mobile number, and enter a referral code if someone referred you. Then set up the app and start earning.
SimCash is mobile-only and needs a SIM card, so a desktop is out of the question. It only works on Android, and it is not in the Android app store: you download the APK file from the website and install it manually. The app itself is user-friendly and intuitive.
What readers told me
This review has 11 comments since 2022: 6 from readers and 5 replies from me. These are the three things readers ask about most.
Readers asked how to set limits so their line is not cut off. One was already blocked by a carrier for sending too many SMS. Another reader wrote that most carriers cut off service at 200 to 300 SMS per day, even on an unlimited plan.
A reader asked why the app paused for 2 to 3 days. Contact SimCash support about this.
A reader asked how many messages and days it takes to earn. It depends on your price and limits, and the rewards per SMS are very low.
“How to avoid my line to be cut off i mean how to set SMS daily/hourly/weekly please help”
Mikael: You need to contact their support about this.
“Why does it pause sending SMSs for 2/3days, is it maybe because they found no SMSs from my phone to send?”
Mikael: You need to contact their support about this.
SimCash alternatives I have tested
| Site | Best for | Min. cashout | My rating |
|---|---|---|---|
| Pawns | Passive earning from your internet, plus surveys and games | $5 | 4.4 / 5 |
| Honeygain | Passive earning from your unused internet | $20 for PayPal | 3.7 / 5 |
| EarnApp | Earns in the background from your unused internet | $2.50 for PayPal and Wise | 3.1 / 5 |
| Money SMS | Paid per SMS you receive, not per SMS you send | €2 | 2.2 / 5 |
If you want more earning potential, see the top survey and GPT sites in your country. They pay you more, and you will find a site or app you can use wherever you live.
How I scored SimCash
I use the same 100-point system for every platform. See how I test and rate.
SimCash scores 38 out of 100. I recommend these sites before SimCash.
See the best sites in your countrySimCash FAQ
Is SimCash legit or a scam?
SimCash is legit in the sense that you really can earn from it. But the rewards are very low, the withdrawal fees are very high, and your antivirus may flag its website as a fraud.
What does SimCash do with my SMS messages?
The website does not really explain it. From what I found, the messages are used to send one-time passwords (OTPs) for other apps to SIM cards in the country you choose.
How much does SimCash pay per SMS?
You set the price. Realistically around €0.0020 to €0.0029 per SMS. The maximum is €0.005.
What is the minimum withdrawal?
€4 for XRP and Doge, without fees. €50 for a bank transfer, with a €10 or €15 fee. Bitcoin and USDT have a different threshold and a transaction fee.
Does SimCash pay through PayPal?
No. You used to be able to withdraw via PayPal, but that option is no longer there.
Can my carrier block my line?
It can. Check your carrier’s terms and conditions before you use SimCash. Readers write that their line was blocked or cut off for sending too many SMS.
Does SimCash work on iPhone?
No. It only works on Android, and you install it manually as an APK from the SimCash website.
How do I contact SimCash?
Check the FAQ first. Then use the contact form on the website, email support@SimCash.io, or message @SimCash Support on Telegram.
Who tested SimCash for this review
Founder of PaidFromSurveys.com since 2016. Mikael has tested hundreds of survey and GPT sites and shares his tests with 555K+ subscribers on YouTube (October 2026).
If you have any comments, questions, or experiences with SimCash, I would love to hear from you in a comment below.
Ich habe eine wichtige Frage zur SIM-Karte in Österreich. Ich habe jetzt eine Lyca-SIM-Karte gekauft und getestet. Ich wurde bereits einmal gesperrt, weil ich zu viele SMS verschickt habe. Nun hat simcash.io pausiert, und ich habe Angst, dass ich von Lyca wieder gesperrt werde. Welche SIM-Karte kann ich in Österreich verwenden, um Simcash io zu nutzen und gutes Geld zu verdienen, ohne gesperrt zu werden? Ich könnte das Geld gut gebrauchen und würde mehrere dieser SIM-Karten in verschiedenen Handys nutzen. Welche kann ich verwenden, ohne dass sie in Österreich gesperrt wird?
I cannot say exactly which SIM card will be safest to use. But as I explain in the article above, if you are looking for ways to earn extra money, there are many better and more effective ways. You can see a list of the best free ways to earn extra money online in Austria here.
Like how many message to received to earn and how many day to used before earning
I explain everything in the review above.
How to avoid my line to be cut off i mean how to set SMS daily/hourly/weekly please help 😉
I have unlimited SMS for my Country
Most of provider they cut off their services when you are using 200-300 sms per day even if your plan have unlimited sms. Set below that limit and you ll be ok
You need to contact their support about this.
You need to contact their support about this.
Why does it pause sending SMSs for 2/3days, is it maybe because they found no SMSs from my phone to send?
You need to contact their support about this.