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• Muna Tengi
• 6 Min Read
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12 Best Cashback Apps In Nigeria To Save Money On Everyday Shopping

In today’s fast-paced world, managing personal finances effectively is crucial. One way to achieve this is by leveraging cashback apps that reward you for your everyday purchases. In Nigeria, the growing popularity of cashback apps has made it easier for individuals to save money while shopping for essentials, groceries, clothing, and more. These apps provide users with discounts, rewards, or direct cashbacks for purchases made online or in-store. In this blog post, we’ll explore 12 of the best cashback apps in Nigeria to help you save money effortlessly.

1. JumiaPay

JumiaPay is a widely used app in Nigeria, offering cashback rewards for transactions made on the Jumia platform. Whether you’re shopping for electronics, clothing, or household items, JumiaPay provides discounts and cashback incentives. Additionally, you can use the app to pay bills, buy airtime, and book services, earning rewards with every transaction.

Key Features:

• Discounts on Jumia products.

• Cashback on airtime and bill payments.

• Secure payment gateway for multiple services.

How to Maximize Savings: To make the most of JumiaPay, always check for ongoing promotions and discount codes available on the app. Combining these with cashback offers can significantly reduce your shopping expenses.

2. PayPorte

PayPorte is a popular e-commerce platform that also integrates cashback offers for its users. Known for its wide range of products, including fashion, gadgets, and home essentials, PayPorte ensures customers get value for their money through periodic cashback promotions.

Key Features:

• Frequent cashback offers during sales.

• User-friendly app and website.

• Diverse product categories.

Why Use PayPorte: Shopping on PayPorte during festive seasons or special sales events can help you earn higher cashback rewards. Subscribe to their newsletters to stay informed about upcoming deals.

3. PiggyVest

While primarily known as a savings and investment app, PiggyVest also offers cashback opportunities through its referral program and exclusive partner deals. Users can save money and enjoy discounts on select merchants when they shop using PiggyVest deals.

Key Features:

• Cashback on partner merchant purchases.

• Savings and investment options.

• Referral bonuses for inviting friends.

Best Practices: Link your PiggyVest account to participating merchants and explore their deals section regularly to maximize your savings potential.

4. CashbackNG

As the name suggests, CashbackNG is a dedicated platform for earning cashback on everyday purchases. The app partners with various retailers and service providers, allowing users to earn money back when they shop or pay bills through the platform.

Key Features:

• Cashback on grocery shopping, airtime, and utilities.

• Easy withdrawal of earned cashback.

• User-friendly interface.

Pro Tip: Set up notifications on the app to alert you about new cashback opportunities and exclusive deals.

5. KongaPay

KongaPay, an extension of the popular Konga e-commerce platform, rewards users with cashback on purchases made on Konga. The app also supports bill payments and airtime top-ups, offering cashback incentives for these transactions.

Key Features:

• Cashback on Konga purchases and bill payments.

• Secure and fast transactions.

• Integration with multiple payment methods.

How to Use KongaPay Effectively: Shop during Konga’s promotional events like “Yakata Sales” to enjoy increased cashback rewards.

6. Quickteller

Quickteller is a payment platform that offers cashback rewards on airtime purchases and bill payments. The app’s simplicity and widespread utility make it a favorite among Nigerians looking to save money on routine expenses.

Key Features:

• Cashback on airtime and utilities.

• Wide range of payment options.

• User-friendly and reliable.

Why Quickteller Stands Out: Its integration with multiple service providers ensures that you can earn cashback on virtually all your payments, making it highly convenient.

7. Shoprite’s Rewards Program

Shoprite, one of Nigeria’s largest retail chains, has a rewards program that offers cashback and discounts to loyal customers. By signing up for their loyalty card or app, you can accumulate points for every purchase, which can be redeemed as discounts on future shopping.

Key Features:

• Cashback in the form of loyalty points.

• Discounts on groceries and household items.

• Easy enrollment and usage.

Tips for Saving at Shoprite: Always scan your loyalty card or app at checkout to ensure you earn points for all eligible purchases. Combine these rewards with in-store promotions for maximum savings.

8. Palmpay

Palmpay is a fast-growing payment app in Nigeria, offering users cashback for transactions such as airtime purchases, bill payments, and money transfers. With its referral program, users can also earn bonuses by inviting others to join the platform.

Key Features:

• Cashback on various transactions.

• Attractive referral bonuses.

• Easy-to-use interface.

Maximizing Palmpay Benefits: Use the app for recurring payments like subscriptions and utilities to accumulate cashback consistently.

9. Paga

Paga is a mobile payment app designed to simplify financial transactions for Nigerians. It offers cashback incentives for airtime top-ups and bill payments, making it a practical choice for everyday use.

Key Features:

• Cashback on airtime and bills.

• Secure and seamless transactions.

• Wide acceptance across Nigeria.

Why Choose Paga: Its user-friendly interface and extensive merchant network make it a reliable choice for earning cashback on everyday expenses.

10. Airtel Thanks App

Airtel Thanks is a loyalty program for Airtel Nigeria customers, offering cashback on airtime purchases, data bundles, and utility payments. Users can also access exclusive discounts on select partner platforms through the app.

Key Features:

• Cashback and discounts for Airtel users.

• Rewards on data and airtime purchases.

• Integration with other Airtel services.

Best Practices for Airtel Thanks: Regularly explore the app’s rewards section to discover new cashback opportunities and partner discounts.

11. MyMTN App

MTN Nigeria’s official app, MyMTN, provides users with cashback opportunities on airtime and data bundle purchases. It’s a valuable tool for MTN subscribers looking to maximize their spending on telecom services.

Key Features:

• Cashback on MTN services.

• Exclusive offers and discounts.

• Easy account management.

Maximizing Savings on MyMTN: Take advantage of bundle promotions and special discounts available exclusively on the app.

12. RewardNaira

RewardNaira is a cashback platform that partners with several online and offline retailers in Nigeria. Users earn cashback for purchases made through the app, which can be redeemed or withdrawn as real money.

Key Features:

• Cashback on a wide range of purchases.

• User-friendly app interface.

• Flexible redemption options.

Pro Tip: Browse the app’s featured merchants to find deals offering the highest cashback rates.

Tips for Maximizing Cashback Rewards

To get the most out of these cashback apps, consider the following tips:

1. Plan Your Purchases: Combine cashback offers with sales and discounts to maximize savings.

2. Sign Up for Loyalty Programs: Many apps and platforms offer additional rewards for loyal customers.

3. Refer Friends: Take advantage of referral bonuses to earn extra cashback.

4. Stay Updated: Regularly check apps for new deals and promotions.

5. Use Multiple Apps: Diversify your usage to cover various shopping categories and increase savings.

6. Leverage Seasonal Offers: Cashback rates often increase during festive periods or special campaigns.

7. Set Alerts: Enable notifications for your favorite apps to stay informed about flash sales and exclusive cashback deals.

Conclusion

Cashback apps in Nigeria provide an excellent opportunity to save money on everyday shopping. From grocery shopping and airtime top-ups to online purchases and bill payments, these apps make it easy to stretch your budget further. By incorporating these 12 apps into your daily routine, you can enjoy significant savings while managing your expenses effectively. Download a few today and start saving!

With these tools, saving money is no longer a hassle but a rewarding experience. So, why wait? Take charge of your finances and watch your savings grow effortlessly.