Merge Money App Review: Legit or Scam? My Final Verdict


Welcome to my review of the Merge Money app! As we all know, any app with the word “Money” in its name becomes an instant hit. Merge Money is no exception! This idle game has already crossed the 500,000 installations mark and is expected to reach 1 million soon.

Although the developer does not claim that users can cash out via PayPal or Amazon cards, some users still believe they can earn money by playing the game. However, Merge Money is just an idle game, and it doesn’t offer any cash rewards. Unlike Tree for Money, which allows users to request a payment once they reach $200.

If you’re reading this, you’re probably looking for a realistic and fun game that won’t make unrealistic promises. So, can you grow an actual money tree with Merge Money? Keep reading to find out!

What is Merge Money?

Merge Money is an idle game where players merge money trees, collect diamonds, and most importantly, grow their cash balance. As you progress and unlock new pots with higher levels, you can earn more cash per second. To achieve faster results, you can use virtual dollars to exchange for other in-game currency.

Does Merge Money Pay?

Merge Money is a legitimate game that doesn’t offer cash rewards through PayPal or gift cards. However, some users mistakenly believe that the virtual money they earn has real currency value and can be transferred to their bank accounts. Unfortunately, this is just a pipe dream!

In my opinion, the company should clearly warn users that this game is just for entertainment and doesn’t offer cash rewards. Nonetheless, some people still ask how to cash out, and this misunderstanding benefits the company.

How to Play Merge Money?

Playing Merge Money is easy and fun. It’s a merging game similar to Puppy Town and Cutie Garden, but with more features and no option to cash out. You must drag and combine pots of the same level to create bigger and more valuable trees. As you unlock new level pots, your tree generates more virtual dollars per second.

You’ll also collect diamonds, which you can use to buy higher-level pots. When you see an empty shelf, buy more pots to keep merging. At level 1, pots cost virtual dollars, but at higher levels, you must pay with diamonds.

The “Boosts” tab offers special boxes, bonuses, and speed-ups to help you grow your tree faster. You can earn these boosters by watching a video or spending 15 diamonds. In the “Upgrade” section, you can unlock extra levels and increase your productivity by up to 50%. Upgrading requires that you have enough checks, which you can collect using the money exchanger.

There are also special features such as Quests, Lucky Spin, Time collect, and more that help you achieve faster progress. The ultimate goal is to unlock the final level pot, which can take some time.

Beware of Ads!

Merge Money displays a lot of commercials, which consume a lot of data and may interrupt your gameplay. You may also come across intrusive banners that force you to click them to continue playing. Unfortunately, there is no option to close these banners, which can be frustrating.

Although the company claims to have adjusted the ads, there are still many compared to other games. Nonetheless, you can still enjoy the game and achieve faster progress by following our guide.

Pros and Cons of Merge Money


  • Merge Money is a free app that can be easily downloaded on both iOS and Android devices.
  • The game is easy to understand and play, making it suitable for all ages.
  • As you progress through the game, you will unlock new levels and earn more virtual dollars per second, which can be satisfying and motivating.
  • Merge Money has a variety of features such as Boosts, Upgrades, Quests, Lucky Spin, and Time Collect, which can help you achieve faster progress.
  • The app doesn’t claim to offer cash rewards or gift cards, making it a legitimate game to play.


  • Merge Money has an excessive amount of ads, which can be very annoying and time-consuming.
  • Some of the ads are intrusive and don’t have a close button, making it difficult to continue playing the game.
  • The game lacks a clear message to users that it’s just a simulation, leading some players to believe they can cash out.
  • There is no option to cash out or transfer the virtual dollars earned in the game to real currency.
  • To progress in the game, players may feel pressured to spend actual money on in-game purchases such as diamonds, which can be a downside for those who prefer not to spend real money on virtual games.


Merge Money is an entertaining idle game that can be played for free on mobile devices. The game is easy to understand and has a variety of features that can help you progress faster. However, the game is marred by an excessive amount of ads that can be intrusive and annoying, and there is no clear message to users that the game is just a simulation.

While some players may be tempted to spend real money on in-game purchases, there is no option to cash out or transfer virtual dollars to real currency. Overall, Merge Money is a legitimate game that can provide entertainment, but players should be aware of its limitations and should manage their expectations accordingly.