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Oyinpreye Leileituagha
- 6 Min Read
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The Best Apps For Passive Income In Nigeria In 2025
In today’s fast-paced world, having a single source of income is often insufficient, especially with the rising cost of living in Nigeria. This is where passive income comes into play. Unlike active income, which requires constant effort, passive income allows you to earn money with minimal ongoing effort. Thanks to technology, you can now leverage mobile apps to generate steady streams of passive income, all from the comfort of your smartphone.
Whether you’re a student, entrepreneur, or employee looking to diversify your earnings, this blog will introduce you to the best apps for passive income in Nigeria.
What is Passive Income?
Passive income refers to money earned with little to no active involvement. While some initial effort may be required, such as setting up an account or investing, the income flows without constant labor. Examples include earnings from investments, royalties, or automated online activities.
In Nigeria, passive income is becoming increasingly popular, with mobile apps making it more accessible. Here are some of the best options to consider.
1. Bamboo: Invest in Global Stocks
Overview
Bamboo is a popular app that allows Nigerians to invest in global stocks, including companies listed on the New York Stock Exchange (NYSE) and NASDAQ. By owning shares of profitable companies, you can earn dividends—a form of passive income.
How it Works
- Download the app and create an account.
- Fund your wallet using naira or dollars.
- Invest in stocks, ETFs, or mutual funds.
- Earn dividends and capital gains as your investments grow.
Why Choose Bamboo?
- Low entry point for beginners.
- Access to global investment opportunities.
- Secure and easy-to-use interface.
Potential Earnings
Dividends depend on the stocks you invest in, but consistent investments in high-performing companies can yield significant returns over time.
2. PiggyVest: Save and Earn
Overview
PiggyVest is a savings and investment app that enables you to earn passive income through interest on your savings and investments. It’s a great option for Nigerians looking to build financial discipline while earning returns.
How it Works
- Create an account and fund your wallet.
- Save money in various plans, such as Piggybank or Safelock.
- Earn up to 15% annual interest on locked funds.
- Explore investment opportunities in agriculture, real estate, and more.
Why Choose PiggyVest?
- High-interest rates compared to traditional banks.
- Flexibility to save and invest according to your goals.
- Safe and regulated platform.
Potential Earnings
For instance, locking ₦500,000 for a year at 15% interest will yield ₦75,000 in passive income.
3. Chipper Cash: Referral Program
Overview
Chipper Cash is a money transfer app that allows Nigerians to send and receive money across Africa and beyond for free. While it’s primarily a fintech app, its referral program offers an easy way to earn passive income.
How it Works
- Download and register on Chipper Cash.
- Share your referral code with friends and family.
- Earn a commission whenever your referrals sign up and make their first transaction.
Why Choose Chipper Cash?
- Simple and quick way to earn passive income.
- No upfront investment required.
- Useful for regular money transfers.
Potential Earnings
Your earnings depend on the number of referrals, with some users earning thousands of naira monthly by promoting the app.
4. Trove: Invest in Crypto and Stocks
Overview
Trove allows Nigerians to invest in a wide range of assets, including cryptocurrencies, U.S. and Nigerian stocks, and real estate. It’s an excellent option for those looking to diversify their investment portfolio.
How it Works
- Register on the Trove app and verify your identity.
- Fund your account with as little as ₦1,000.
- Invest in assets that generate passive income, such as dividend-paying stocks or rental properties in fractional real estate.
Why Choose Trove?
- Low entry barrier for beginners.
- Access to multiple asset classes.
- User-friendly interface and financial education resources.
Potential Earnings
Passive income depends on the assets you invest in, but consistent investments can yield significant returns over time.
5. Airtasker: Earn Through Task Outsourcing
Overview
Airtasker is a platform where you can outsource tasks to others while earning passive income by referring people to the platform or offering services that require minimal effort.
How it Works
- Sign up on the Airtasker app.
- Post tasks you need help with or find simple gigs to complete.
- Refer friends to earn commissions.
Why Choose Airtasker?
- Flexible options for both earning and outsourcing.
- Potential to grow your network and passive income opportunities.
Potential Earnings
Your earnings depend on the number of tasks or referrals you handle.
6. Farmcrowdy: Invest in Agriculture
Overview
Farmcrowdy is a platform that allows you to invest in agricultural projects across Nigeria. By funding farms, you earn a share of the profits generated from harvests.
How it Works
- Register on the platform and choose a farm to sponsor.
- Invest in a farming cycle (e.g., poultry, maize, or rice).
- Earn returns after the harvest and sales are completed.
Why Choose Farmcrowdy?
- Supports Nigerian farmers and food security.
- High returns on investment (up to 20-30% per farming cycle).
- Transparent and secure platform.
Potential Earnings
Investing ₦100,000 in a farming cycle with a 20% ROI can yield ₦20,000 in profit within 6-9 months.
7. Honeygain: Earn by Sharing Internet
Overview
Honeygain is a unique app that pays you for sharing your unused internet bandwidth. While this might sound unconventional, it’s a legitimate way to earn passive income.
How it Works
- Install the Honeygain app on your device.
- Allow the app to share your internet bandwidth.
- Earn credits that can be redeemed for cash via PayPal or Bitcoin.
Why Choose Honeygain?
- Completely passive—no effort required after setup.
- Suitable for people with unlimited or unused internet data.
- Pays in dollars, making it attractive for Nigerians.
Potential Earnings
You can earn up to $50 per month depending on the amount of data shared.
8. NairaEx Affiliate Program
Overview
NairaEx is one of Nigeria’s leading cryptocurrency exchange platforms. Its affiliate program allows you to earn passive income by referring users to the platform.
How it Works
- Register for the NairaEx affiliate program.
- Share your referral link with others.
- Earn commissions when users sign up and trade on the platform.
Why Choose NairaEx?
- High conversion rates due to the platform’s popularity.
- Simple and straightforward referral process.
- Payment in Bitcoin or naira.
Potential Earnings
Your earnings depend on the volume of transactions by your referrals.
Tips for Maximizing Passive Income from Apps
- Choose Reliable Platforms: Ensure the apps you use are legitimate and secure.
- Start Small: Begin with minimal investments and scale up as you gain confidence.
- Leverage Referrals: Use social media to promote apps with referral programs for additional income.
- Stay Consistent: Passive income grows over time, so be patient and consistent.
- Diversify: Use multiple apps to spread your risk and increase your earning potential.
Conclusion
Earning passive income in Nigeria is easier than ever, thanks to mobile apps that cater to diverse financial goals. Whether you’re investing in stocks with Bamboo, saving with PiggyVest, or earning through referrals on Chipper Cash, there are numerous opportunities to grow your wealth with minimal effort.
By choosing the right platforms, staying disciplined, and leveraging the power of technology, you can build a sustainable stream of passive income and achieve greater financial freedom in Nigeria. Start today and watch your earnings grow!
