Money Making Apps in Nigeria

I know that Nigeria is a country where the economy is currently tough, and people are searching for legitimate means of extra cash to maintain themselves. Today, in this blog post I will discuss the money-making apps you can use to make money in Nigeria.

P.S: Some of these apps will be a little challenging at first but once you truly learn the necessary skill, you’ll be making money daily.

The list of apps below offers a range of opportunities for earning money in Nigeria, including those that pay you for taking surveys and those that provide steady income.
So, let’s dive right into it!

What are Money Making Apps?

Money-making apps are mobile applications that may be downloaded or purchased from any online store (such as Playstore and Apple Store). You can make money with these applications by doing multiple tasks or applying specific skills.

Certain apps pay in cash, while others use gift cards, points that will later be converted to cash, and cryptocurrency. PayPal or Payoneer are the withdrawal options for your incentives for most while some will allow you to link your USDT wallet or bank account for your payment.

10 Money Making Apps in Nigeria

These money-making apps that are mentioned in this list are carefully researched and tested. You can use it on your smartphone or laptop to earn money from these money-making apps.

1. Toloka


Toloka is a money-making app that allows people (Tolokers) to make money online by performing multiple tasks. There are multiple tasks to do in Toloka, which include:

  1. Take the survey: Share your opinion on various topics given.
  2. Record voice: Make voice samples using the given text.
  3. Compare Images: choose pictures that best match the description.
  4. Transcribe Audio: Listen to various audio files and type the texts.
  5. Take Photos: Upload photos of places or objects.
  6. Search for information: Find information on various topics.
  7. Categorize content: Sort text or images by quality, theme, and other criteria.

How Toloka Works

  1. Signing up will take a few minutes. It’s completely free!
  2. Finish a brief training set to gain knowledge about a specific kind of assignment.
  3. Select the task on the mobile app you wish to perform using the mobile phone or on your laptop.
  4. Go over the guidelines carefully and finish the task.
  5. Take the earnings out of your Toloka account using one of our quick and safe withdrawal options.
  6. Gain a referral incentive by telling your friends about Toloka.

Pros and Cons of Toloka


  1. Opportunity: Anyone is welcome, no experience is necessary.
  2. Flexibility: Choose activities you enjoy doing and turn your downtime into money.
  3. Convenience: Earnings can be cashed out at any time, with a $0.02 minimum.
  4. Motivation: Gain additional abilities to access tasks and rewards.
  5. Support: Their assistance staff is available to help you at every turn.


  1. A challenging referral system.
  2. complex payment structure.
  3. Limited methods of payment.

Toloka Payment Method

  1. Payoneer (Recommended): It can work in almost every location. It has a total fee of 2% and a minimum withdrawal of $20.
  2. QIWI: It works in certain countries. It has a fee of 1-3% and a minimum withdrawal amount of $0.05 to $1.
  3. Papara: It works in Turkey. It has a total fee of 2% and a minimum withdrawal amount of $0.05.

2. Swagbucks


Swagbucks is an online reward program where points can be earned by performing certain tasks provided, which can be later used to buy gift cards or converted to money that can be withdrawn via PayPal.

How Swagbucks Works

  1. Sign up for Swagbucks
    They offer gift cards and cash to those who sign up as compensation for the regular online activities they currently engage in.
  2. Acquire SB
    To earn points, you can shop in-store or online, browse the web, play games, watch fascinating videos, complete surveys, and locate amazing offers.
  3. Receive Free Gift Cards
    Exchange your points for gift cards to your preferred stores—Amazon and Walmart are just a couple—or receive PayPal cash back.

Pros and Cons of Swagbucks

  1. They offer a wide range of rewards.
  2. Points can be earned and increased in a variety of ways.
  3. The website is user-friendly.
  4. The alternatives for cash back are quite advantageous.
  5. The browser add-on is a great feature that functions fairly well.
  6. Cashback in-store is a fantastic offer.


  1. The fact that many offers demand a lot of labour to accrue points is one of the primary drawbacks.
  2. Due to the platform’s extremely low task payout rates, it is difficult to make a large income.
  3. I’ve heard accounts of protracted payment delays.

Swagbucks Payment Method

  1. PayPal
  2. Gift Cards

3. Clickworker


Clickworker is a well-known platform that allows users to earn money by doing jobs. It also has a mobile application. Most of the jobs consist of data entry work, survey completion, proofreading, application testing, finishing third-party CPA deals, editing, video and audio recording, and web research.

How Clickworker works

It is not difficult to become a Clickworker, even for a novice. Training and introduction ensure that you acquire the skills required to use the workplace interface. Every process has been created to be incredibly user-friendly. Many tasks don’t require any formal training or particular certifications. Participation is almost open to all.

Every Clickworker selects the tasks that they choose to take on from the list of available projects. Depending on qualifications, prior job, education, language proficiency, and interests, Clickworkers may have different assignments available than others. Your eligibility and overall profile will determine which projects you are offered and which ones you are not. For every assignment that is accepted and finished, payment is given. The sum has been set and made public in advance.

Pros and Cons of Clickworker

  1. User-friendly mobile app
  2. Outstanding Platform
  3. Timely Payouts
  4. Great Earning Potential
  5. Good Support Team
  6. Wide Range of Jobs


  1. Low rates for small tasks
  2. High rate of banning accounts. So, abide by the guidelines.

Clickworker Payment Methods

They pay their workers weekly or bi-weekly. This is the payment method I will recommend.

  1. PayPal
  2. Payoneer

4. Fiverr


Fiverr is among the most well-known freelancing platforms in the world. It is a website that also has a mobile application that can be downloaded from the Play Store for Android and an app store for IOS users. Still, you need to have some skill of value that you are willing to give away in return for money. Blog writing, coding, graphic design, web designing, and other services could be included in this sort of service.

How to Make Money from Fiverr

There are two ways of making money from Fiverr which are:

  1. Working as a freelancer
  2. Promoting the platform as an affiliate

Working as a freelancer

This is the most popular method of using the Fiverr mobile app to make money

  • Step 1: Determine Your Specialty and Skills: Determining your skill set and areas of experience is crucial before you begin working on Fiverr. Which services are you able to provide? Selecting a topic that you are informed and passionate about is essential since it will make you stand out.
  • Step 2: Understanding the market: Look at your preferred niche on Fiverr. Seek out comparable jobs and prosperous vendors. Examine their gig descriptions, pricing, feedback from clients, and portfolios.
  • Step 3: Open an account on Fiverr: Create a Fiverr account in case you don’t yet have one. You can sign in with your Google or Facebook account or use your email address.
  • Step 4: Create a Powerful Account: Your online résumé can be found on Fiverr. It needs to demonstrate your abilities and expertise.
  • Step 5: Get Your First  Gig
  • Step 6: Make Your Gig Better: To make your gig more visible and appealing, check and revise it regularly once it has been published.
  • Step 7: Promote Your Fiverr Gig: On freelance platforms like Fiverr, promotion is essential to become recognized.
  • Step 8: Provide Excellent Work: As soon as you start getting orders, make it a priority to complete excellent work on schedule. Excellent feedback and new client relationships will follow from this.
  • Step 9: Grow Your Fiverr Business: You may scale your Fiverr business by raising your fees, adding more services, and even hiring other freelancers to help you as you get further expertise and favourable reviews.

Promoting the platform as an affiliate

In this method, you are to promote Fiverr to clients using various channels such as blogs, social media, email marketing, and creating ads.

Pros and Cons of Freelancers

  1. Your work schedule is flexible.
  2. You Are Not Under a Boss’s Authority.
  3. Your performance determines how successful you will be.
  4. You get to interact with fascinating individuals and businesses.


  1. Additionally, you get exposure to con artists and scammers.
  2. The way something is performed is subjective.
  3. Some Clients Believe They Can Take Control of You for $10.

Fiverr Payment Method

  1. PayPal
  2. Fiverr Revenue Card
  3. Direct Deposit
  4. Payoneer Account
  5. Bank Transfer

5. Upwork


Similar to Fiverr, Upwork is another well-known freelance marketplace. Always remember that you need to possess a skill or service you are providing to people or businesses online.
If you are skilled at what you do, you can make money actively on this site even without offline employment.
Upwork is very competitive, but what makes it special is that you may choose your hourly rate.

How to Make Money on Upwork

  1. Make use of the “Connects.”
    You’ll instantly get access to about 60 “connects” after making an account. These are necessary since you are unable to apply for jobs without them and you can only utilize a certain quantity of them for free before having to pay $0.15 for each “connect”.
  2. Establish a Fantastic Profile.
    However, you should ensure that your profile is up to date before attempting to get employment. Ensure that you fill out as much information as you can on it to do this.
  3. Make Use of My Secret Search.
    Once your profile is complete, use the platform to look for a job that interests you and for which you believe you are equipped.
  4. Analyze Upwork Reviews
    Make sure you look at every project that you’re fascinated by and review the evaluations left by previous freelancers on Upwork while you go through this round of the job search process.
    If a lone freelancer review mentions a negative experience, you will need to exercise discernment and determine whether to proceed with the application.
  5. Establish Your Prices
    The difficult part starts when you identify a job you’re interested in determining your rates and crafting an argument for why they should hire you rather than someone else. You will not be able to view the pricing other freelancers have offered for the job unless you own a paid Upwork membership.

Pros and Cons of Upwork

  • The flexibility to work from any location.
  • New job listings are posted constantly.
  • Bonuses are refundable to clients.
  • All contracts are handled for you.


  1. Certain clients do attempt to defraud you.
  2. The site is home to a large number of freelancers, there is a high level of competition.

Upwork Payment Method

  1. Credit Card
  2. PayPal
  3. Bank Account

6. YouTube


YouTube isn’t a mobile app you can just watch videos for your amusement. It is a platform where you can make and upload certain videos of your interest and later could be monetized.

How to Make Money on YouTube

Step 1: Create a channel on YouTube.
Step 2: Grow your channel to the point where it satisfies the standards of the YouTube Partner Program.
Step 3: Create an account with AdSense.
Step 4: Examine your new monetization options:

  1. Ad revenue: to receive ad revenue, you need to produce material that appeals to advertisers and be at least eighteen years of age.
  2. YouTube Premium revenue: You receive a percentage of the membership charge from a YouTube Premium subscriber who views your video.
  3. Channel subscriptions: to offer your subscriber’s channel memberships.

Step 5: Send work for continuing reviews
YouTube states that as a Partner, your channel will be considered to a greater level of quality.

Pros and Cons of YouTube

  1. It’s free to use
  2. YouTube offers you the chance to make money from your videos.
  3. Simple TO Use.
  4. A simple way for people to share information.
  5. It generates backlinks.


  1. You have a lot of rules to comply with.
  2. Any reason may be subtable to disable your account.
  3. An ad may be posted on your video by any advertiser.

YouTube Payment Method

  1. Electronic Funds Transfer (EFT)
  2. Wire transfer

7. Opay


In Nigeria, Opay is among the most widely used mobile apps for online income generation. In addition to bill payments and airtime purchases, this software allows mobile money transfers. By taking part in their referral system and receiving commissions for bringing new users to the app, you may earn money with this app.

How to Make Money on Opay

You must first urge people to sign up to utilize some of Opay‘s services by sharing your referral link to begin earning on the platform.
This implies that anyone you recommend to the Opay platform must meet the requirements. That makes clear sense, as the consumer can test out Opay services to determine if it’s to their liking.

You will therefore receive a certain amount for each service your referee uses on the Opay app. Your referee is required to participate in some duties, and they are free to choose whatever chores they wish to complete.
The upside is that you get paid more for each action the person you refer undertakes.

P.S: If you need to start making money on Opay you are to SIGN UP.

Opay Payment Method

  1. Bank Transfer

8. Hawkit


Hawkit is a well-known mobile application in Nigeria, where users can make money through the following methods: selling products, referring people to download them, and completing simple online tasks.

How to Make Money on Hawkit

  1. Selling items: You can list your goods on Hawkit to reach a larger audience if you have goods to offer. Our technologies can also be used to handle payments, orders, and inventory.
  2. Affiliate marketing: By using your special affiliate link to drive sales, you can receive a commission by promoting other people’s items on your website or social media accounts.
  3. Sponsored content: You can collaborate with marketers to produce sponsored material that highlights their goods or services if you have an established blog or a large social media following.
  4. Advertising: You may advertise on your website and social media accounts and get paid for each view or click.
  5. Consulting: If you are a specialist in a certain field, you can assist companies or people who need assistance with operations, sales, or advertising by providing consulting services.

Pros and Cons of Hawkit

  1. You can boost your social media account.
  2. A mutual chat page where people could meet on Hawkit is allowed.
  3. There is no minimum withdrawal limit in Hawkit.


  1. There is a fee necessary before you may monetize your account on the network.
  2. It takes roughly a day to complete withdrawal requests from the site.

9. Jumia


Jumia is an online marketplace that also have a mobile application that could be downloaded from the Play Store. This platform allows users to sell and buy a wide range of products. By using the Jumia app, you can become a seller and make your products reach a wider customer base. The app goes further to bring your products to potential customers,

How to Make Money on Jumia

There are two ways for people to make money from Jumia, which include:

  1. Selling products on Jumia
  2. Register with their affiliate program

Pros and Cons of Making Money on Jumia

  1. Your products can reach a large customer base.
  2. Customers have a high percentage to convert.
  3. User-friendly platform


  1. Their affiliate programs offer low percentage commissions.
  2. There are high levels of competition
  3. The withdrawn money takes a few days to enter your account.

Jumia Payment Method

  1. Bank Transfer

10. Binance


Binance is a well-known mobile app that serves as a trading platform for cryptocurrencies. You can trade cryptocurrencies and profit from price swings by using the Binance app to make money. You can buy, sell, and swap different digital currencies using the app, which may allow you to make a profit from market fluctuations.

How to Make Money With Binance

The Binance app offers an assortment of ways to make money. Trading cryptocurrencies allows you to take advantage of fluctuations in the market by buying at lower prices and selling at higher ones. Additionally, Binance provides services like loans, staking, and various investment options that offer profit-generating potential.
Download the Binance app, register, and deposit to get started. To increase the chance of generating money, extensive study and evaluation must be done before trading or investing.

Binance Payment Methods

  1. Cryptocurrency wallet
  2. Bank Account


Making money online in Nigeria has become easier as the years come by. I have mentioned a variety of money-making apps in Nigeria you can use today to start making money. Tough, some of these apps require you to learn certain skills to bag in some cash.
I recommend you start with one of the 10 money-making apps that are mentioned above. So, whether you’re in search of supplementing your income or start making money from scratch, these apps that are mentioned above offer amazing opportunities.
I hope that this article is of great use for you to select the appropriate app of your choice.
Thanks for reading this article!

Frequently Asked Questions

Which money-making apps in Nigeria pay real money?

All the mobile applications mentioned in this blog post pay real money. They include Toloka, Swagbucks, Clickworker, Fiverr, Upwork, YouTube, Opay, Hawkit, Jumia, and Binance. I can assure you that these apps pay real money.

Which app pays a good amount of money?


Is it possible to make $200 a week from any of these apps?

Yes. It is possible to make $200 a week from these apps by offering a certain skillset for clients in exchange for money. These apps include Fiverr, Clickworker, Upwork, and Toloka.
To make $200 a week from YouTube you need to create great videos and gain tons of views and subscribers.

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