Top 10 Money Making Apps For Students: Legit Ways To Earn Real Cash To Your Nigerian Bank Account

As a student in Nigeria, balancing school and work can be challenging, but thanks to advancements in technology, there are now numerous apps that allow you to make money from the comfort of your home. Whether it's through investment, freelancing, or surveys, these money-making apps can help you earn real cash and deposit it directly into your Nigerian bank account. Below are ten legit apps that have proven effective for students.

1. PiggyVest

PiggyVest is one of the most popular financial apps for students looking to save and invest their money. It allows users to save small amounts periodically and earn interest on their savings. You can also invest in various portfolios, including agriculture and real estate, to generate additional income. Additionally, PiggyVest has a referral program, allowing users to earn money by inviting others to the platform. PiggyVest makes it easy to withdraw your earnings directly into your Nigerian bank account, making it a practical option for students focused on growing their savings.

2. Cowrywise

Cowrywise provides a straightforward way to save and invest in mutual funds, bonds, and treasury bills. For students interested in building wealth gradually, Cowrywise offers high-interest savings plans that ensure your money grows faster than in traditional savings accounts. Its user-friendly platform makes it easy to track investments, while withdrawals can be made securely to your bank account at any time. For Nigerian students looking to build financial discipline and earn a return on their investments, Cowrywise is an excellent option.

3. Opay

Opay is a versatile app that allows you to make money through multiple avenues. Initially known for its mobile payments, it now offers a wide range of services like ride-hailing, food delivery, and bill payments. Students can use Opay’s delivery and transport services to earn extra cash. Additionally, Opay has a reward system where users earn bonuses and cashback on transactions. With its easy withdrawal process, you can transfer your earnings straight to your bank account whenever you need them.

4. Toluna

Toluna is an app that pays students to share their opinions by taking surveys and testing products. Although the earnings might seem small at first, they accumulate over time, making it a great source of passive income. By consistently engaging with the platform, students can earn extra cash in their free time. Payments are typically made in the form of gift cards or direct bank transfers.

5. Jumia

Jumia, primarily an e-commerce platform, also offers opportunities for students to earn money by becoming sellers. Students can sign up as vendors on the platform and sell various items, ranging from clothes to gadgets. As Jumia reaches a vast customer base across Nigeria, it provides a massive opportunity for students to turn a side hustle into a profitable business. The app allows sellers to withdraw earnings directly into their bank accounts.

6. Trove

Trove is an investment app that allows you to invest in both Nigerian and international stocks, bonds, and mutual funds. For students interested in building wealth through long-term investments, Trove is ideal. You can start with as little as ₦1,000, and over time, you can grow your portfolio by reinvesting profits or earning dividends. Trove makes it easy to withdraw your earnings into your Nigerian bank account once you’ve reached a profitable stage.

7. Bamboo

Bamboo is another app that facilitates investment in U.S. and Nigerian stocks, allowing students to invest in international companies like Apple, Amazon, and Tesla. With Bamboo, you can buy fractional shares, meaning you don’t need a lot of capital to get started. By strategically investing in the stock market, students can generate passive income that grows over time. Bamboo ensures seamless withdrawals directly to your bank account whenever you want to access your earnings.

8. PalmPay

PalmPay is a mobile payment app similar to Opay, offering cashback and bonuses on transactions like bill payments and airtime purchases. The app also has a referral program that rewards users for inviting friends to join. While using PalmPay, students can accumulate points that can be redeemed for cash or discounts on services, making it a practical way to earn while spending. The app is designed to easily transfer earnings to your bank account.

9. Binance

For students interested in cryptocurrency trading, Binance is one of the most trusted platforms. The app allows users to trade various cryptocurrencies such as Bitcoin, Ethereum, and Binance Coin. You can also earn passive income through features like staking and lending, where you provide liquidity to the market in exchange for returns. However, cryptocurrency trading is volatile, so it’s crucial to educate yourself before diving in. Binance supports easy withdrawals to your Nigerian bank account when you’re ready to cash out.

10. Survey Junkie

Survey Junkie is another great option for students looking to earn cash by taking online surveys. It's a straightforward platform where users earn points for completing surveys, which can be converted into cash or gift cards. While the earnings per survey might not be high, the app is a reliable way to earn a few extra naira in your spare time. You can withdraw your earnings through PayPal, and for Nigerian students, the funds can be easily transferred to local bank accounts.

Conclusion

As a Nigerian student, having extra income can significantly ease the financial burden of tuition, living expenses, and other costs. With the money-making apps listed above, you can turn your free time into a profitable venture. Whether through investments, freelancing, selling, or taking surveys, these apps provide legitimate opportunities to earn cash directly into your Nigerian bank account. As with any money-making opportunity, it's important to remain consistent, patient, and cautious—especially with apps that involve investing.

These apps are practical, trusted, and student-friendly, making them perfect for any Nigerian student looking to improve their financial standing while balancing schoolwork. Start exploring these platforms today, and you might just find your ideal side hustle.