7 Genuine Apps For Earning Naira & Withdrawing To Bank In Nigeria

In today’s digital age, earning extra income through mobile apps has become more accessible for Nigerians. Whether you are looking to complete small tasks, take surveys, or perform gigs, there are several genuine apps that allow you to earn Naira and withdraw your earnings directly to your bank account. Here are seven reliable apps that can help you achieve that:

1. Opay

Opay has quickly grown to become one of the most popular mobile wallets in Nigeria. Aside from its role as a mobile payment platform, Opay allows users to earn money by offering cashback on transactions. Licensed by the Central Bank of Nigeria (CBN), Opay ensures safe and efficient transactions. You can earn rewards for every transfer you make, which can later be withdrawn directly to your Nigerian bank account.

What makes Opay stand out is that it eliminates significant transaction charges while offering cash rewards, making it an excellent choice for those looking to earn through regular financial transactions.

2. PiggyVest

PiggyVest is well-known for helping Nigerians save and invest money with attractive returns. While primarily a savings app, PiggyVest users can also earn up to 25% returns on investments. For example, if you save N20,000 with PiggyVest, you may receive an additional N5,000 as returns when withdrawing.

PiggyVest guarantees security with end-to-end encryption, ensuring that your funds are protected from fraud. Once you are ready to withdraw, the app makes it seamless to transfer your savings or earnings to your bank account. This app is ideal for users looking for safe and secure long-term savings plans that also generate income.

3. Fiverr

Fiverr is a global freelance platform where users can offer their skills and services, such as graphic design, writing, digital marketing, and more. Nigerians can easily create a profile, list their services (called gigs), and earn income from clients around the world. The Fiverr app allows freelancers to manage their accounts, chat with clients, and withdraw earnings.

With Fiverr, payments are secure, and withdrawals can be made to Nigerian bank accounts or through other payment methods like PayPal. This platform is excellent for skilled professionals who want to monetize their talents.

4. Payday

Payday is a unique app in Nigeria that allows users to handle foreign transactions, including receiving payments from international employers or clients. The app lets users earn by providing services such as virtual credit and debit cards, which can be used for online transactions globally.

You can earn by helping others complete transactions using your virtual cards or by performing your transactions through the platform. Payday allows easy withdrawal of earnings, ensuring that funds are transferred securely to your Nigerian bank account. It’s an excellent option for freelancers or entrepreneurs involved in international transactions.

5. Binance

Binance is a cryptocurrency exchange platform that provides Nigerians the opportunity to earn money through buying, selling, and trading digital currencies. The platform is versatile, offering additional earning opportunities through staking and investment products. With Binance, users can take advantage of price fluctuations in cryptocurrencies like Bitcoin and Ethereum.

One of the key benefits of Binance is that it allows users to withdraw their earnings, either in cryptocurrency or converted to Naira, directly into their bank accounts. The app offers a user-friendly experience, making it a good choice for individuals familiar with crypto trading.

6. Cowrywise

Cowrywise is a savings and investment app that allows Nigerians to grow their money through carefully managed investment plans. You can invest in mutual funds, fixed income, and other financial products, which yield returns over time.

What makes Cowrywise stand out is its simplicity and the security it offers for users’ funds. Earnings from investments can be withdrawn at any time, directly into your Nigerian bank account. Cowrywise is best suited for individuals looking for both long-term savings options and regular income through investments.

7. Jumia Affiliate Program

While Jumia is primarily an e-commerce platform, it offers an affiliate program that allows Nigerians to earn money by referring customers to the site. When you share your unique affiliate link and someone makes a purchase through that link, you earn a commission.

Earnings from Jumia’s affiliate program can be withdrawn directly into your Nigerian bank account, making it a convenient option for users who are active on social media or other platforms where they can promote products and services.

Conclusion

These seven apps offer different methods of earning Naira, from cashback rewards on transactions to investments and freelance gigs. What makes these apps stand out is their flexibility and ease of use, allowing Nigerians to withdraw their earnings directly to their bank accounts. Whether you're looking for short-term earnings or long-term investment options, these apps provide reliable ways to supplement your income.

Before getting started, always ensure you understand the terms and conditions of each platform to maximize your earnings. By taking advantage of these digital platforms, you can improve your financial situation while also learning new skills and gaining flexibility in how you manage your time and finances.