A site to make money online without risk? See what works even without experience.

Are you looking for concrete options instead of another list of “magical” ways to make a million in a week? You’ve come to the right place. This post is an overview of real, working websites to earn money online that pay out, have good reviews, and don’t require financial investment to start. Whether you are a student, freelancer, social media savant, or just want to earn some extra money – you’ll find something here for you. No stress, just practice and numbers.

Swagbucks, Pawns.app, and Freecash – websites for earning money online by doing tasks, not by being an influencer

If you don’t have the reach or desire to be a creator but want to earn something from your laptop or phone – microtask platforms are the ideal starting point. 

• Swagbucks is a classic in the USA and UK, which pays for filling out surveys, watching promotional videos, or testing apps. 
• Freecash works similarly, but also offers options for gamers – mobile game tests or simple installations. 
• Pawns.app, on the other hand, allows you to earn by sharing your unused internet bandwidth. You don’t have to do anything – just install the app, and the system allocates resources itself.

These may not be amounts that will change your life, but if you want to start without risk, each of these options provides a real payout – without trickery and without spending half an hour filling out a form for a small fee. Such online earning sites are great for those who want to test what the world of online work is like – and secure the first few dozen dollars in their wallet.

Useme, Upwork, Fiverr – if you have skills, these online earning sites can turn them into a paycheck!

Do you have a talent for writing, designing, managing socials, or video editing? Great. You don’t need your own business to start monetizing it. 

• Useme allows for legally issuing invoices without a company, so you can pick up clients from all over Poland without worrying about formalities. 
• Upwork and Fiverr are global platforms – they operate in English, but there are hundreds of thousands of jobs. You can find something instantly – even if you’re just starting and don’t have a rich portfolio yet.

Average rates? 

• SEO text 500 characters – from 10 to 30 zł. 
• Instagram graphics – 15–50 zł. 
• Simple reel editing? From 40 zł and up. 

Everything depends on your specialization, work pace, and if you can handle client communication. Most importantly – all this works without investing in ads, tools, or courses. You only need a basic portfolio and an account on one of these platforms. For many, this online earning website becomes the first stable source of income.

Best Sites for Earning Online: Etsy, KDP, Shutterstock – selling intangible (or digital) items 100% online

Do you create graphics, e-books, templates, CVs, or planners? In that case, you have a ready product you can sell to hundreds of people without doing anything more.

• Etsy allows you to upload digital files, which the client downloads after payment. 
• KDP from Amazon offers the possibility to publish your own books and planners – in both physical and e-book formats, and Amazon takes care of printing and shipping. 
• Shutterstock and Adobe Stock, on the other hand, are stock photo and graphic banks – you earn a commission for each download.

These types of platforms are the best sites for making money, if you want to build something that operates independently of your time. Create once – earn for years. Popular digital products include “printable planners,” “teacher worksheets,” “ready-made presentation templates,” and “storybook illustrations.” On Etsy, digital products average from 10 to 50 PLN, and authors with a good portfolio can earn even several thousand PLN monthly. You don’t have to be a graphic designer – Canva, an idea, and a well-written description are enough.

Google Opinion Rewards, Toluna, and SWPanel – surveys that aren’t a waste of time (if you know how to play them)

For years, surveys were associated with long, tedious clicking for peanuts. And in many cases, they were. But not always. Nowadays, Google Opinion Rewards gives you a few PLN for one short question, taking 30 seconds. Toluna and SWPanel, on the other hand, are platforms that work with larger market researchers and actually pay– provided you complete your profile and log in regularly.

Here it’s about consistency and filtering offers– not every survey is worth your time. But if you know how to play it (e.g., through a mobile app and notifications), you’re able to collect 100–300 PLN monthly. Is it a lot? No. But as a money-making site without any outlay – it works. And importantly – payouts are real, usually in the form of transfers, PayPal, or vouchers.

LetyShops, cashback, and micro-purchases – earning from what you already do daily

Do you shop online? Probably yes. In that case, it’s worth adding cashback to the mix. LetyShops, Plente, Picodi, or Goodie are services that offer cashback – from a few to several percent – for shopping at popular stores like Allegro, AliExpress, Empik, or Zalando. No need for tricks – simply enter through their site or install the browser plugin.

It’s quite simple: you shop as usual, and after a few days, you receive cashback in your account. The amounts aren’t large, but regular users can accumulate even 300–500 PLN a year. And all without any effort. So if you’re looking for a site to make money online, but don’t have time for tasks or freelancing – cashback is the perfect minimum. And in the process – you learn to optimize your expenses.

BeMyEye, TaskRabbit, Rover – if you prefer to operate locally but have online support

Not everyone wants to sit in front of a computer. If you prefer to operate offline but use the internet as a backup – BeMyEye and Rover are for you. 

• BeMyEye assigns micro-tasks like “check a product’s price in the store” or “take a picture of a display” – for a few minutes of work, you earn from a few to several PLN. 
• TaskRabbit (in Poland, similar things can be handled through OLX Pro) allows you to arrange simple services like moving assistance, furniture assembly, lawn mowing.
• Rover, on the other hand, is a site for pet lovers– dog sitting, walking, feeding while the owners are away. Everything is managed via an app, with a rating system and direct contact with clients. This shows that a money-making site on the internet doesn’t always have to be “typically computer-based.” Sometimes it’s just a tool to organize offline work – but with greater efficiency, convenience, and access to clients.

RefSpace – Your earning center without investment, logistics, or company formation

If you’re interested in earning online with no personal investment, without complications or learning to code, RefSpace could be one of the most convenient solutions for you. The platform works like a store built with ready products – you select from a database of items you truly want to promote, set up your Space (your personal store-site), post the link on social media and… done. Every sale through your link earns you a commission which goes directly to your account. You can also add your own products – like an e-book, consultation, or course – and sell them in the same place.

This is why RefSpace fits perfectly in the category of internet money-making sites without minimums, without business operations, without logistics. Moreover, you don’t need a large reach to start – a micro-community on Instagram, TikTok, or YouTube is enough to generate initial orders and test the model in practice. You can manage it all in an hour, even if you’re completely new to e-commerce.