Lucky Money App Review – Is it a Scam? Can You Cash Out?

lucky money app reviewWelcome to my Luck Money app review!

The Google Play store is jam-packed with apps that supposedly give users a real chance to win free money.

I have reviewed similar apps such as Lucky Day, Scratch Day, and Spin Day and a few others.

Although they are all legitimate and addictive, none of them has lived up to my expectations.

Today, I decided to test one of the most popular simulated gambling apps in the World called Luck Money!

Lucky Money app combines different ways to win real cash prizes, including scratchers, lotto, egg crackers, egg crackers, and daily raffles.

What are your chances of winning? Does it pay or you will get stuck before reaching the payout?

Read my in-depth review below to find out!

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Lucky Money App Review

  • Name: Lucky Money
  • Website:
  • Strategy: Simulated gambling
  • Company: Lucky Money Studio Limited
  • Membership Eligibility: Worldwide
  • Price: Free
  • Overall Rating: 2/5


What is Lucky Money App?

Lucky Money is a sweepstakes app where you have different ways to win cash prizes, including:

  • Scratching cards.
  • Playing the lottery game.
  • Entering raffles.
  • Cracking eggs.

The app is entirely funded by advertisers, which means it’s 100% free to play.

Different from gambling, you won’t bet your hard-earned money for a chance to win.

However, you will be forced to watch a ton of video advertisements in the process.

So, you’re actually paying with another valuable currency called time.

Luck Money app is operated by a Hong Kong-based company called Lucky Money Studio Limited, and it’s available worldwide.


Is Lucky Money App a Scam?

I believe Lucky Money is operating legally, but that doesn’t mean you will be able to cash out.

In the beginning, Lucky Money will let you win a few dollars quickly, but after a while, things may slow down considerably. 

If you check the reviews on Google Play, you will see that many people get stuck before reaching the minimum payout.

It’s heartbreaking to see these reviews:

review 1

review 2

Another player said the following:

“…It’s been two weeks since I’ve gotten a penny now! I play every single day for 1-3 hours. It’s obvious the game is rigged to keep you from getting to the $10 cash-out minimum.”

It can be very frustrating to watch all those ads and realize that the app is rigged against you.

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How Does Lucky Money Work?

Installation and Registration

Lucky Money is only available for Android devices.

You can download and install it for free on the Google play store.

After the installation, you can start playing scratch cards without signing up.

However, you are encouraged to register with Facebook to ensure the safety of your account.


Cash And Tokens

Keep in mind that that you will have two different balances: The cash and the token balance.

You can withdraw your cash balance via PayPal when you reach $10.

Also, you can redeem 20,000,000 tokens for a $1 Amazon Gift card.


Playing Scratch Cards

Every day, Lucky Money offers you 40 scratch cards for a chance to win cash and token prizes.

According to the Terms of Service, computers will randomly select winners before the start of the daily promotion period.

Keep in mind that not every scratch card will have a winner.

Besides, the company doesn’t tell us the odds of winning different prizes by scratching cards.

I have seen different prizes ranging from $1 to $1000.

All you have to do is scratch the card and match 3 symbols to earn the prize.

match 3 symbols

Even if you don’t match 3 symbols, you can still earn a few cents or tokens.

Most of the time, you will get 500 – 1000 tokens.

As I mentioned, you need 20 million tokens to exchange for $1!

To give you an idea, I scratched all the cards and collected just 47,000 tokens.

At this rate, I can expect to redeem my $1 gift card after 2 and a half years!

Different from Luck Day or Scratch Day, Lucky Money app doesn’t let you choose the scratch card from a list.

You can only play one card at a time.

According to the Terms of Service, you will be required to watch a short video ad after every 3 – 4 scratch cards.

However, that’s not always the case, and sometimes you may have to watch a video to get the scratcher. Otherwise, it will be discarded.

watch video


Lucky Egg 

Scratch cards also give you lucky mallets that you can use to smash golden eggs for rewards.

lucky egg

Each scratch card will give you 1 or 2 mallets.

When I collected 10 mallets, I broke an egg and won $0.10, 10,000 tokens and 7 Ruffle tickets.


Raffle Tickets

You can use your tokens to get entries for the hourly ($1), daily ($50), and monthly ($1,000) raffles.

I think you are much better off exchanging tokens for Raffle tickets instead of redeeming for Amazon Gift cards.

raffle tickets

Ticket for the hourly, daily and monthly raffles cost 25,000, 20,000 and 10,000 respectively.

Lucky Money will select one winner in a random drawing from all eligible tickets.

Therefore, the odds of winning depend on the number of tickets collected on each raffle.

You can enter a maximum of 1000 ticket entry per raffle.



Daily Lotto

Another way to try your luck is to participate in the daily lottery.

Every day, players can pick 5 numbers plus one lucky number from 60 regular numbers.

If you match the 6 numbers, you will win the jackpot of $100,000. It’s also possible to win by matching 1, 2, 3, 4 and 5 numbers.

The prizes and the odds of winning are as follows:

lotto prizes lucky money app

As you can see, the chances of winning $5, $50 and 100,000 are extremely low!


No Slot Machines or Spinning Wheels! 

Lucky Money used to have the lucky spin and the slot machine, but for some reason, they have removed these games.


Daily Rewards, Milestones and Leaderboard. 

You can get extra tokens every day by playing Lucky Money for up to 7 consecutive days or by reaching milestones.

daily rewards and milestones

Also, you will get $10 if you win the contest by collecting the highest number of tokens in a day.


Pros and Cons


  • Cash out to PayPal.
  • You can exchange tokens via Amazon gift cards.
  • It’s very addictive!
  • There are different ways to win cash prizes.


  • Your chances of winning big cash prizes are close to zero.
  • There are lots of ads!
  • The more you play, the fewer tokens you will earn per scratchcard.
  • Lucky Money can delete your account for any or no reason.
  • The value of a token is abysmal.



You have to be very lucky to win any significant prize with the Luck Money app.

Also, consider yourself lucky if you manage to reach the minimum payout threshold and cash out $10.

I am saying this because many people complain about getting stuck somewhere between $8 and $9.70.

They are claiming that you can never reach $10 and get paid.

Even though the app is free, you will waste a significant amount of time watching ads.

But as you can see, there is no guarantee that you will make any money!

On the other hand, developers are making guaranteed profits from advertisers.

Honestly, I don’t think it’s fair trade!

That being said, I don’t recommend the Lucky Money app for people who are serious about making money online.

Verdict: Legit 


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Final Words

Thanks for reading my Lucky Money app review. If you have any questions, feel free to leave me a comment below, and I’ll be more than happy to help! 😉

53 thoughts on “Lucky Money App Review – Is it a Scam? Can You Cash Out?”

  1. I’ve been playing lucky money for quite sometime now. I believe that it is a scam. The reason I say this is because I was at about 7 dollars when I spun the wheel and won 50 cent,but i was never credited the 50 cent. Now that I am at 9 dollars and 90 cent it seems as tho I get very little tokens on each spin. I should be at 10 dollars and 40 cent. I reached to lucky money in an email attempt to resolve the situation I sent them the screenshot of the win but never got a response. This is why I believe it’s a scam. I put in my time so I believe it’s my money and I need it now..

    1. Hi Timony, thanks for sharing your experience with Lucky Money.

      You are not alone. Many people have reported the same issue of getting stuck at $9…

      1. I send them to many time email but not receive any reply please help me to update my contact details i want to change my number which is closed *** when i try to withdraw my coin into cash but they said verify device which I can’t due to change my number please add my new number is *** please add this number then i can verify my device

        1. Hi Uzma,

          Sorry but I had to delete yout number in respect for your provacy.

          Unfortunately, there is nothing I can do because I don’t have contact with the app developers. Only Lucky Money can help you change your phone. If they didn’t answer your email, write an honest review on Google Play about your experience. I think that’s the only way to get their attention.

    2. I beg to differ it only takes a million points to get one dollar and I’ve cashed out and received about 10 to 15 2 dollar amazon cards so if you are going to tell someone that it’s a scam at least get the facts correct

      1. How long did it take you to earn the coins necessary to exchange for these $2 gift cards that you’ve successfully cashed out?¿

    3. I’ve been playing the lucky money app for about 6 months, 3 of those months I’ve been stuck on $9.90. Can’t believe I can’t get the 10 cents I need to cas out. Beginning to believe is all rubbish.

      1. Hi Tony,
        It’s not fun watching lots os ads only to get stuck. Lots of members have the same problem, and it’s a shame the company doen’t make it easy to cash out.

      2. I have been playing close to a year. I have been stuck at 9.90 for several months I think since November. About a month ago I tried cashing out coins for a $50 PayPal card. It still says pending. About a week ago I emailed them and no response.

        1. There is another person who commented here who is also stuck at $9.90. So, this is evidence that winners are not selected at random, Otherwise, you would eventually earn more money and reach $10 without a problem.

          Regarding coins, yeah, it takes longer to collect enough of them, but it’s achievable! However, that doesn’t mean your payment will be processed. People complain that it’s sold out, but you are saying that you already requested the payment. So, fingers crossed.

          Please, let us know if you got the money or not.

          All the best


      1. Ernest w Brown jr

        I reading this thing about $10 well I have $98 and $0.45 I need a Dollar 55 to cash out you need to have $100 to cash out with PayPal I’ve had this $98.45 forever now I see no money I can’t even get $0.10 much less a dollar I’ve done it all spin the wheels slot machines crack an egg everything humanly possible to do on that game I’ve done it is no payout insight I bought plenty of raffle tickets nothing happening I’m playing as a guess this game is nothing but a scam to keep you watching advertisement big waste of time I see no way to cash out for $10 I have $98.45 can’t do a damn thing with it the game is garbage sickling in a big waste of time

        1. One more thing why is everybody saying $10 to cash out I don’t see that know where it’s $100 to cash out with PayPal

    5. I’ve been playing for a little while. I have $86 and it says I have to reach a hundred to cash out. A lot of you guys were talking about $10 cash out don’t see that. I’m sure they never going to let me get to a hundred. Maybe one day LOL

  2. It’s 20 million for $20 dollars. The least amount of lucky bucks is 3 million for $2. 10 million for $10.
    Not sure if things had changed since this article was posted but I never seen a date. It’s 2020, early January, and what I said above is the way it has been since I downloaded the app in early July 2019.
    I can agree that the app had slowed down by a lot at $8.05 but after using the spinwheel, egg smashing, and the other stuff I got a $0.10 and $0.50. So, I guess, it depends if you don’t take lots of breaks from the app and waste your life with it.

  3. Hey Stefan. I agree with you 110%. I feel this game, (99% of ALL of these money apps) is a scam! I have been trying to reach my $10 cash out mark for 4 month’s now. Still playing and only trying because every little penny lately helps.. I turn 23 March 3rd, lost my mom grandpa and grandma all back to back withing months of each other so I dont really have much family, kind of was forced to be on my own out here and sometimes it’s just hard not having anyone or any help… I was hungry and I seen advertised “this app is paying for my dinner tonight” so I said “hey, I’m starving why not give this a shot”… 4 months later, I try to stay around wifi maybe really hoping to get lucky someday…

    1. Hi Kaylee, sorry to hear about your losses. I hope you find a way to earn some income as soon as possible. You probably know that a job is the best short-term solution. You can also check out Prizerebel, where you can take paid surveys and complete offers. It’s not much money, but a few dollars here and there can help you out.

    2. James T Coursey

      I to have been stuck on lucky money for months gone by haven’t won what I need to cash out guess how much you are right .10 to get a 100 dollars this sux!

      1. Hi James, it’s hard man! You are not alone. Just take it as a lesson and avoid using other similar apps because you are unlikely to get paid. I have reviewed hundreds and I can tell you, it’s a very complicated industry.

  4. I think the lucky money app is a load of craps. Sick of waiting for 10 cents, going to get the app off my phone, anyone with any sense who’s got this app should uninstall this waste of time app.

    1. Hi Tony, I also think it’s a complete waste of time because they will make you watch many hours’ worth of ads. Instead of using reward apps, why not learn how to build your own internet business to make a full-time income online? You don’t need to be an expert marketer to make it work. With simple step-by-step instructions and strong motivation to succeed, you can make thousands of dollars per month.

  5. I am just trying to redeem for gift cards but it always says there is 0 available. I’m not sure what time they reload to be able to be the first on on. Any clue? I’m on EST.

    1. How can they run a reward app with no rewards available? It makes no sense at all! ok, they run out of gift cards but there is never a shortage of ads. Interesting…

    2. I got lucky once last year and there were a bunch of $2 amazon gift cards so I was able to get around $16 with 24000000 tokens. I have over 20m tokens again but I haven’t seen any gift cards available for over a year now.

  6. It is true always very times of day to redeem, it is always zero available. I have contacted them on this and the claim to fill them very times a day. So I asked them when, no answer was given. This app should be reported for the biggest scram ever.

  7. from January 2020 i cash out amazon card for 6$ and never got on Amazon since January card is in processes state and nothing happened yet, Shame on you Lucky Money!

    1. Hi Eva, January is a long time ago. They should have paid what you own by now. I advise sending an email, but if they are not willing to pay, they won’t reply. Sorry for this, that’s why I don’t recommend this type of apps.

  8. Richard Grudzinski

    I’ve been playing this app for a long time. I’ve been stuck at $9.50 for over a year. Worst part, I’ve cashed out small gift cards. But, I am only 1,000,000 tokens away from the $50 PayPal card. It would only take a day by using cards, and Tapjoy. But, I now all of the sudden can’t get the app to load anymore. It loads on my fiance’s phone and her account comes up no problem. But soon as I got even close to getting the biggest reward it screwed me. I’m super mad. It took me months and several completed challenges with tapjoy to get this far. And now the app I used to love and whom I’ve made alot of money is screwing me outta $50 that should rightfully be mine! I can’t believe this! Beware! Cash out your tokens often or beware!

    1. Hi Richard, sorry to hear that man! It’s not a good feeling but that’s how most apps on Google Play operate. It’s very hard or even impossible to make real money with them. I just install apps like Lucky Money to test because I consider it a waste of time. Yes, it can entertain people for a while, but once you realize how difficult it is to cash out, it ruins the whole experience.

    1. Hi, Dawanna

      You have to click on the dollar sign right at the top and select PayPal. The minimum payout threshold has increased to $100, so you may not be able to cash out yet.

      1. It has been over 6 months since they fill any gift cards I have wrote them many times and they claim to fill cards varies times a day than told someone I knew they fill cards every 90 mins. Both are lies because I try for over 2 weeks checking my account 5 to every 10 mins. Gift cards are always a big fat ZERO.

        1. Hi Joe, there is no point in arguing with apps developers to get your money. It’s just a waste of time and energy. Just move on and take it as a lesson. Sweepstakes apps like Lucky Money have total control over your earnings and they are not obliged to process payments. There is no better app because they all stop giving cash rewards to prevent users from cashing out.

  9. Lucky Money is a scram!!! The reason is that over 6 months now I want to redeem and they haven’t filled them at all. I was told very times a day they fill them. Told a friend of mine they fill them every 9 mins., Well both are lies, they will not answer my emails now. I just want to redeem and delete the app. I want Amazon gift cards, I do not trust Pay Pal and the horror story about not getting your payment over 4-6 months. Someone out there must report them please.

  10. So I’ve been playing for 4 weeks. It doesn’t let you cash out until you hit $100.00 . I’m currently at $98 20. Haven’t won a single penny in a week. Starting to wonder if it’s a scam myself.

    1. Hi Felicia, I highly recommend you stop using Lucky Money or you will waste more time. If you cannot earn a penny in a week, that means you will never cash out. If you have 1 – 2 hours per day, you could grow an internet business and eventually earn hundreds and even thousands of dollars per month. It takes time, but the more work you put into it, the quicker you will reach your goals. Check out this excellent program for step-by-step training and support.

    2. Hi Felicia

      I highly recommend uninstalling Luck Money or you will just waste more time. If you cannot make a penny in one week, that means you will never be able to cash out. If you have 1 – 2 free hours per day, you can grow a profitable website over time that will pay you hundreds and even thousands of dollars per month. Check out this excellent program for step-by-step training and support. Thanks to this platform, I built a successful online business and now I help other members to achieve their goals too as an affiliate marketer. Find me in the community as StefanC

  11. i have actually won $6 for amazon gift cards however when i try to redeem it says sorry all cards have been redeemed today try back tomorrow ive tried every day for months now and get same message i think not only does it make amazon look bad but also all the advertisers who support this scam i have watched 1000s of ads much to my displeasure but now i cant even get my pay out{my time} i think if your a advertising supporter of this scam its not making you look good hope you read me steve miller

  12. yes and as others before me im also stuck at $9.90 but even if i got that impossible 10 cents they wont redeem it anyway eg sorry all cards have been redeemed message this app needs to be destroyed %$ are making money off this people arent

    1. Hi Steve, it’s a shame Lucky Money stops giving virtual cash when people are very close to cash out. As you can see from other reviews, people are stuck for almost a year and cannot reach $10.
      Yes, many apps make it impossible for people to receive the money either because they get stuck or because the gift cards are “sold out”. As if we should believe only because they are saying so.
      It’s unfortunate that millions of people are spending a significant amount of time and energy using these apps and not making a cent.

  13. Don’t waste your time with this app, I made up to $98 and then could not make anymore even after watching ad after ad I’m getting plenty of tokens still no money after 3 weeks complete waste of time they should have a disclaimer stating you will not actually make money.

    1. Hi Ryan, the terms and conditions state you have no right to rewards. They say winners are selected at random, but if that is the case, then why are people are getting stuck before reaching $100?

  14. One more thing why is everybody saying $10 to cash out I don’t see that know where it’s $100 to cash out with PayPal

  15. I must say that it is true that the payout slows down and stops before a cashout can be made. I’ve seen the reviews and others seem to get stuck on that problem too. I soon realized that I can make $5 PayPal cards through redeeming shamrock coins. Funny that it says you need 20 million to make $1. I only need 5 million to make $5, ( big difference). I usually make one million a day on average in tokens. Better than waiting for a cashout for months or never.

    1. Hi Steve, thanks for your comment. Yes, your cash balance will probably get stuck too. I think you can collect enough coins and cash out, but you may never receive the reward. If you do, please let us know. As you can see from the comments above, there are no success stories, which is why I am still very skeptical of Lucky MOney.

  16. . Really much appreciated it that I came across this link,. I dont know how can I repay you as now i am myself in dire need a single penny, just a simple words “thank you” and thats all I got.
    Time is always GOLD.

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