Top Money Making Apps in Nigeria

Top Money Making Apps in Nigeria

Top money making apps in Nigeria, with its burgeoning digital landscape and a rapidly growing population of smartphone users, has witnessed a surge in the popularity of money-making apps. These innovative platforms offer a plethora of opportunities for individuals to supplement their income, explore side hustles, and tap into the gig economy. Whether you’re a student, a stay-at-home parent, or simply looking for ways to earn extra cash, this comprehensive guide will introduce you to the top money-making apps in Nigeria.

Factors to Consider When Choosing a Money Making App

Before we delve into the specific apps, it’s crucial to consider the following factors when making your selection:

Legitimacy and Security

Prioritize apps with a proven track record, positive user reviews, and robust security measures to protect your personal and financial information. Research the app’s background, check for any red flags, and ensure it operates within the legal framework of Nigeria.

Earning Potential and Payout Methods

Different apps offer varying earning potentials and payout methods. Assess the earning opportunities, frequency of payouts, and minimum withdrawal thresholds to align with your financial goals and preferences.

User Experience and Interface

Top money making apps in Nigeria,Opt for apps with a user-friendly interface, intuitive navigation, and comprehensive features that enhance your earning experience. A seamless and enjoyable user experience can significantly impact your productivity and motivation.

Support and Customer Service

Choose apps with responsive customer support channels, readily available FAQs, and a dedicated team to address any queries or concerns you may encounter.

Now, let’s explore some of the leading money-making apps in Nigeria, catering to diverse interests and skill sets:

1. JumiaPay

JumiaPay, the payment platform of the renowned e-commerce giant Jumia, offers a multifaceted approach to making money. You can:

  • Become a Jumia Sales Consultant: Earn commissions by selling products from Jumia’s extensive catalog through your social networks or online store.
  • Jumia JForce Agent: Earn by referring customers to Jumia and assisting them with their orders.
  • Utilize JumiaPay for various transactions: Pay bills, top up airtime, purchase bus tickets, and more, while earning cashback rewards and discounts.

2. PiggyVest

PiggyVest is a popular savings and investment app that allows you to:

  • Save consistently: Set saving targets, automate deposits, and earn interest on your savings.
  • Invest in low-risk investment options: Grow your wealth through pre-vetted investment opportunities with varying returns.

3. OPay

OPay is a versatile mobile money platform that offers various avenues for making money:

  • Become an OPay Agent: Provide financial services like cash withdrawals, deposits, bill payments, and airtime top-ups to your community, earning commissions on each transaction.
  • OPay CreditMe: Offer loans to individuals and businesses, earning interest on the loans disbursed.
  • Oride and OTrike: If you own a vehicle, you can join OPay’s ride-hailing and tricycle-hailing services, earning fares for transporting passengers.

4. PalmPay

PalmPay, a mobile payment app, provides opportunities to make money through:

  • PalmPay Agent: Offer PalmPay’s financial services to your community, earning commissions on transactions.
  • Referrals: Invite friends and family to use PalmPay and earn rewards for every successful referral.
  • Cashback and discounts: Benefit from cashback rewards and discounts on various transactions made through the app.

5. Branch

Branch is a loan app that allows you to:

  • Access quick loans: Apply for loans with flexible repayment options based on your credit score.
  • Branch Ambassador Program: Promote Branch’s loan products to your network and earn commissions for every successful referral.

6. Upwork

Upwork is a global freelancing platform that connects businesses with skilled professionals. If you have marketable skills in writing, web development, graphic design, virtual assistance, or other fields, you can:

  • Create a compelling profile: Showcase your skills, experience, and portfolio to attract potential clients.
  • Bid on projects: Submit proposals for projects that match your expertise and negotiate rates with clients.
  • Deliver high-quality work: Complete projects on time and to client specifications, building your reputation and attracting more opportunities.

7. Fiverr

Fiverr, similar to Upwork, is a freelancing platform known for its gig economy model. You can offer various services starting from $5:

  • Create unique gigs: Package your skills and services into defined offerings with clear pricing and deliverables.
  • Promote your gigs: Utilize Fiverr’s marketing tools and social media to reach potential clients.
  • Deliver exceptional service: Focus on client satisfaction and build positive reviews to increase your visibility and attract more orders.

8. Survey Junkie

Survey Junkie allows you to earn money by participating in online surveys:

  • Sign up and complete your profile: Provide information about your demographics and interests to receive relevant surveys.
  • Take surveys: Share your opinions on various products, services, and topics.
  • Earn rewards: Accumulate points for completing surveys, which can be redeemed for cash or gift cards.

9. Foap

Foap is a platform for photographers to sell their photos:

  • Upload your high-quality photos: Showcase your photography skills and creativity.
  • Participate in missions: Submit photos based on specific themes or requirements for a chance to win cash prizes.
  • Sell your photos: Set your prices and earn 50% of each sale.

10. ClipClaps

ClipClaps is an entertainment app that allows you to earn rewards by watching videos, playing games, and completing tasks:

  • Watch entertaining videos: Discover viral clips, funny skits, and engaging content.
  • Play games: Engage in various mobile games and earn rewards based on your performance.
  • Redeem your earnings: Convert your accumulated rewards into cash or gift cards.

FAQs about Top Money Making Apps in Nigeria

1. Are money making apps in Nigeria legitimate?

While there are legitimate money making apps in Nigeria, it’s essential to be cautious and research any app thoroughly before using it. Look for established apps with positive reviews and a proven track record.

2. How much money can I make with these apps?

The earning potential varies depending on the app, your effort, and the time you invest. Some apps offer modest supplemental income, while others provide opportunities for substantial earnings.

3. What are the risks involved in using money making apps?

Potential risks include scams, data privacy concerns, and the possibility of not receiving promised payouts. It’s crucial to choose reputable apps, protect your personal information, and be aware of any red flags.

4. Do I need any special skills to use these apps?

The required skills vary depending on the app. Some apps are accessible to everyone, while others require specific skills like writing, photography, or driving.

5. How do I get paid from these apps?

Payout methods vary depending on the app and may include bank transfers, mobile money wallets, or gift cards. Check the app’s payout options and minimum withdrawal thresholds before signing up.

6. Are there any age restrictions for using money making apps?

Most money making apps require users to be at least 18 years old. Always review the app’s terms and conditions to confirm age requirements.

7. Can I use multiple money making apps simultaneously?

Yes, you can use multiple money making apps simultaneously to diversify your earning opportunities and maximize your potential income.

8. Do I need a smartphone to use these apps?

Most money making apps are designed for smartphones. However, some apps may offer web-based versions or desktop applications.

9. Are there any taxes on income earned through money making apps?

Income earned through money making apps may be subject to taxation. Consult with a tax professional to understand your tax obligations.

10. How can I report scams or fraudulent money making apps?

If you encounter a scam or fraudulent money making app, report it to the relevant authorities, such as the Nigerian Communications Commission (NCC) or the Federal Competition and Consumer Protection Commission (FCCPC).


The rise of money making apps in Nigeria has opened up exciting avenues for individuals to supplement their income, explore side hustles, and tap into the gig economy. By carefully considering the factors discussed in this guide and choosing reputable platforms that align with your interests and skills, you can embark on a rewarding journey of earning extra cash through these innovative apps. Remember to prioritize legitimacy, security, and user experience, and always be mindful of potential risks. With due diligence and a proactive approach, you can leverage the power of money making apps to enhance your financial well-being in Nigeria’s dynamic digital landscape.



I (Susanna) was inspired to start “Best Way to Make Money Online” by my passion for entrepreneurship and my desire to provide practical advice and strategies for individuals seeking financial success in the digital realm. I believe in the power of collaboration and sharing ideas, emphasizing the importance of knowing one’s purpose beyond just profit. My background in language learning and online education has equipped me with the skills and knowledge to create a platform that empowers others to navigate the online landscape effectively and achieve their financial goals.