Apps to Make Money Online in Nigeria
17 Best Apps to Make Money Online in Nigeria (2025) — Daily Payouts & Legit
📝 Introduction:
In 2025, more Nigerians than ever are searching for apps to make money online in Nigeria — and for good reason. Whether you're a student, a stay-at-home parent, or simply looking for a side hustle, your smartphone can now become a powerful income tool. From survey apps that pay in dollars to local fintech apps offering referral bonuses and cashback, there are countless legit options to earn money directly from your phone.
This guide lists the best money-making apps in Nigeria, with real payout methods like Opay, PayPal, and direct bank transfers. You don’t need any upfront investment or special skills — just internet access, consistency, and the right app. Let’s explore the top-rated apps that are helping thousands of Nigerians earn online every day.
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💰 Works on Android/iPhone
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🏦 Payouts: Bank transfer, Opay, PayPal
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🧑🎓 For students, stay-at-home moms, job seekers
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📱 No investment needed
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💡 Bonus: Tips to earn faster
1. Toloka
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Tasks: Tag images, record voice samples, verify content
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Payout: Payoneer, Skrill, Crypto
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Why it's great: Easy to use, no experience needed
2. Opay (Refer & Earn + Cashback)
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Earn: ₦800+ per referral
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Extra: Discount on airtime, data, and transfers
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Payout: Directly to Opay wallet📱 Available on the Play Store
3. Premise App
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Tasks: Surveys, upload photos, verify local info
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Payout: PayPal, Mobile Money
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Earnings: ₦300–₦1500 per day📍 Popular in Lagos, Abuja, PH
4. Sweatcoin
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Earn: Coins for every step walked
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Use coins: Convert to gift cards or PayPal (via exchanges)
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Passive income: Just keep walking
5. Branch App (Referral Bonus)
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Earn: ₦500–₦1000 per referral
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Extra: Loan service, cashback
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Payout: To Branch wallet → bank transfer📱 Trusted fintech app in Nigeria
6. Fiverr
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Earn: Offer services like writing, logo design, and video editing
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Start at: $5 per gig
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Payout: Payoneer
7. Shugaban App
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Earn: Answer surveys, refer friends
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Payout: Airtime or bank
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Focus: 100% Nigeria-specific content📱 Download via shugaban.com.ng
8. Clickworker
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Tasks: Writing, translation, surveys
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Payout: PayPal
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VPN Tip: Use during registration if Nigeria is restricted
9. Swagbucks
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Earn: Watch ads, complete offers, take surveys
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Payout: PayPal, gift cards
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Use: Chrome + VPN to access higher-paying surveys
10. BuzzBreak
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Earn: Read news, invite friends
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Payout: PayPal
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Bonus: 10% lifetime earnings from referrals📱 Available on the Play Store
11. SurveyTime.io
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Payout: $1 per completed survey
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Instant PayPal payout
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Works: Great from Lagos and Ibadan
12. Temu App
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Earn: Invite friends, get free items, or PayPal cash
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Trending in Nigeria: Big TikTok trend
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Strategy: Share daily on WhatsApp & Facebook🔗 temu.com
13. Jumia Affiliate Program
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Earn: Up to 13% per sale
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Share: Product links on WhatsApp, Telegram, Facebook
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Payout: Bank transfer
14. Freelancer.com
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Jobs: Writing, coding, graphics, admin work
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Filter: Choose Nigerian jobs or remote
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Payout: PayPal or Skrill
15. Trove App
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Earn: Referral bonuses
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Invest: In stocks, crypto, and more
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Safe: Regulated in Nigeria📱 Best for finance influencers
16. PiggyVest Referral Program
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Earn: ₦1000 per user who saves
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Strategy: Promote saving goals on Instagram or TikTok
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Payout: Bank transfer
17. Nairaworkers
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Earn: Completing small online tasks (comment, follow, sign up)
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Payout: Bank transfer
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Local focus: 100% Nigerian jobs
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💬 Share your referral links on WhatsApp Status & Facebook Groups
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🔄 Use multiple apps together
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🔍 Stick to legit ones only — never pay to join
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📈 Reinvest small earnings into learning new skills (writing, design, coding)
❓ FAQs – Apps to Make Money Online in Nigeria
✅ Yes! All apps listed are beginner-friendly and student-compatible.
💸 SurveyTime.io pays instantly via PayPal after each survey.
🛡️ Yes. All apps listed are verified, free, and tested by users in Nigeria.
🔐 Only for fintech apps like Opay or PiggyVest. International apps don’t ask for it.