Ranking The Very Best Money Making Apps In Nigeria

In recent years, mobile apps have emerged as one of the best ways for Nigerians to earn money online. Whether you’re a student, a freelancer, or just looking for side income, there are a variety of apps available to help you make legitimate cash. With the right app, you can earn money through small tasks, freelance work, surveys, and even cashback rewards. Here’s a ranking of the best money-making apps in Nigeria based on their ease of use, payout methods, and earning potential.

1. Opay

Opay is a multi-service mobile app that allows Nigerians to perform financial transactions like mobile transfers, bill payments, and airtime purchases. It’s highly rated due to its cashback and referral bonuses that reward users for transactions. Opay has a broad user base and is trusted for its speed and reliability in payments.

Opay provides a range of services, including personal savings, microloans, and agent banking, which allows users to earn passive income. The app’s referral program enables you to earn money by inviting others to use Opay. It also offers bonuses on transactions made within the app, and users can withdraw earnings directly into their Nigerian bank accounts without paying any fees.

Key Features:

• Cashback on transactions

• Referral bonuses

• Supports direct withdrawal to bank accounts

2. PiggyVest

PiggyVest is primarily a savings and investment app, but it offers excellent earning potential for users who are disciplined in saving money. PiggyVest allows users to save money and earn interest rates higher than what traditional banks offer. Users can also participate in investment opportunities that yield attractive returns, making it a great option for individuals looking for long-term financial growth.

PiggyVest pays interest on both savings and investments. The app also offers various savings plans, including a fixed plan that allows you to lock away money for a fixed period in exchange for higher interest rates. Once you’ve accumulated earnings or saved enough money, you can withdraw directly to your bank account without any hassle.

Key Features:

• High interest on savings

• Investment opportunities

• Easy withdrawal options

3. Fiverr

Fiverr is one of the most popular freelance platforms globally, and it’s widely used by Nigerians to earn money online. It allows freelancers to offer their skills in areas such as writing, graphic design, programming, and more. Fiverr operates on a gig-based system where users can create service listings (gigs) for clients to hire them.

The app is especially useful for skilled professionals who want to work remotely for clients worldwide. Earnings from completed projects can be withdrawn through PayPal, or via direct bank transfer in Nigeria. With Fiverr, you can set your rates and increase your income as you gain more clients and positive reviews.

Key Features:

• Freelance gigs in various niches

• Set your own prices

• Secure payments and withdrawal options

4. Swagbucks

Swagbucks is a popular rewards and survey app that allows Nigerians to earn points (called SB) for completing simple tasks like surveys, watching videos, or shopping online. Swagbucks has a variety of earning options, making it one of the most versatile money-making apps.

Once you’ve accumulated enough points, you can redeem them for gift cards, PayPal cash, or even direct bank transfers. Swagbucks offers legitimate, easy-to-complete tasks, and while it won’t make you rich overnight, it’s an excellent option for supplementing your income with small, regular rewards.

Key Features:

• Variety of tasks for earning points

• Points redeemable for cash or gift cards

• Low payout threshold

5. Hawkit

Hawkit is a Nigerian-based platform that allows users to earn money through several channels, including performing social media tasks, buying and selling data or airtime, and referring others to the platform. Hawkit is known for its simplicity and ease of earning, as users can make money by posting ads or engaging in social media promotion.

One unique feature of Hawkit is that you can buy discounted airtime and data and resell them for profit, creating an additional stream of income. The app also supports withdrawal directly to Nigerian bank accounts, and the payout process is straightforward.

Key Features:

• Earn from social media tasks and data reselling

• Referral bonuses

• Direct withdrawal to bank accounts

6. Jumia Affiliate Program

The Jumia Affiliate Program offers users the opportunity to earn commissions by promoting Jumia’s products. If someone buys a product through your affiliate link, you earn a percentage of the sale. The program is highly flexible and suitable for Nigerians with an online presence, whether through blogs, social media, or YouTube.

The Jumia Affiliate Program is one of the best ways to earn passive income, especially if you have a large audience. It’s free to join, and earnings can be transferred directly to your bank account after reaching the minimum payout threshold.

Key Features:

• High earning potential through commissions

• Free to join

• Passive income opportunities

7. Branch

Branch is a loan and investment app in Nigeria that provides microloans to users. In addition to offering loans, Branch allows users to earn interest on savings or investments through its investment feature. The app is user-friendly, and interest rates on savings are highly competitive compared to traditional banks.

Branch offers short-term loans to users with fast approval times, and for individuals looking to invest their money, the app provides a safe and easy platform to grow your funds. Earnings can be withdrawn directly to your bank account without hidden fees.

Key Features:

• Competitive interest on savings

• Fast and secure transactions

• Direct withdrawals to bank accounts

Conclusion

Earning money through mobile apps in Nigeria is a legitimate and accessible way to boost your income, whether through freelancing, completing surveys, or saving and investing. The apps listed above are some of the best options for Nigerians to earn extra Naira, and most of them offer seamless withdrawal options to bank accounts.

By leveraging the unique features of each app, you can maximize your earning potential and achieve financial goals with minimal effort. However, it’s essential to stay consistent, explore multiple streams of income, and avoid falling for scam apps.