10 Legit Money-Making Apps For Nigerians 2025: Featuring Apps For Surveys, Gigs, Freelance, Online Jobs, And Reward Platforms
As the Nigerian digital economy continues to grow in 2025, more people are turning to mobile applications to earn income online. Whether you are a student, stay-at-home parent, unemployed, or just looking for a side hustle, legit money-making apps offer a flexible and fast way to earn cash—straight from your smartphone.
This blog outlines 10 trusted apps Nigerians are using in 2025 to make money via surveys, micro-tasks, freelance gigs, rewards, and even daily usage. All the platforms listed are tested, legit, and have a history of paying users directly to Nigerian bank accounts or via wallets like Opay, PalmPay, and Kuda.
1. Konnect App
Category: Forum and Blog
Earning Method: Daily logins, posting content, referrals, commenting, and engagement
Payout: Bank transfer
Why It’s Great:
Konnect is Nigeria’s rising star in the reward-based earning category. Users earn by making quality posts, commenting on others’ posts, inviting friends, and simply logging in every day. If you are consistent and active, you can easily make ₦10,000 to ₦50,000 monthly.
Pros:
- Pays directly into Nigerian bank accounts
- Low withdrawal threshold
- Fun and engaging platform (like a forum + blog)
2. Premise App
Category: Survey & Task App
Earning Method: Surveys, local photo tasks, opinion polls
Payout: Bank transfer, PayPal, or crypto
Why It’s Great:
Premise allows you to complete surveys and small location-based tasks like taking photos of products in stores. Earnings range from ₦100 to ₦2,000 per task, depending on your area and availability.
Pros:
- Easy tasks
- Works well across major Nigerian cities
- Withdraw via multiple payment methods
3. Toloka App (By Yandex)
Category: AI Microtasking App
Earning Method: Image labeling, data processing tasks
Payout: Payoneer or bank card (can be converted)
Why It’s Great:
Toloka offers microtasks that train AI systems, like categorizing content or validating data. Many Nigerian freelancers use it to earn in dollars, which can be converted to naira using platforms like Payoneer.
Pros:
- Pays in dollars (better exchange rate)
- Thousands of tasks daily
- No experience required
4. Fiverr App
Category: Freelancing
Earning Method: Selling services (writing, design, music, tech support)
Payout: Payoneer/Bank Transfer
Why It’s Great:
Fiverr remains one of the top freelancing apps in the world. Nigerians can offer services from writing and graphics design to music mixing, programming, and even voice-overs. Top earners make over ₦500,000 monthly.
Pros:
- Global client base
- High income potential
- Growing demand for African freelancers
5. Opay App
Category: Financial Platform with Cashback
Earning Method: Cashback, referrals, bill payment rewards
Payout: Directly to Opay wallet (bank transfer ready)
Why It’s Great:
Opay isn’t just a mobile bank—it rewards users for transactions. You earn from referrals, cashback on airtime, bill payments, and more.
Pros:
- Fast and reliable
- Naira-based and local
- Extra earnings for doing what you already do
6. Swagbucks Live App
Category: Trivia & Rewards
Earning Method: Answering trivia questions, daily login bonuses
Payout: Gift cards or PayPal (convert to naira)
Why It’s Great:
Swagbucks is one of the oldest reward platforms. While not fully optimized for Nigeria, Nigerians still use PayPal to cash out and then convert the funds via fintech apps.
Pros:
- Fun and interactive
- Global trust
- Great for trivia lovers
7. Pawapay App
Category: Task & Survey App
Earning Method: Surveys, short tasks, referrals
Payout: Bank or wallet (depending on location)
Why It’s Great:
Pawapay specializes in user research, and pays users for sharing opinions and engaging with short daily tasks. It is relatively new in Nigeria but gaining ground fast.
Pros:
- Simple interface
- Low minimum payout
- High frequency of surveys
8. Field Agent App
Category: Gig Task App
Earning Method: Local errands, product testing, store checks
Payout: PayPal
Why It’s Great:
This app lets users complete physical tasks like checking the price of a product at a supermarket or reviewing services. Ideal for people in Lagos, Abuja, and Port Harcourt.
Pros:
- Task-based work
- Earn up to ₦3,000 per assignment
- Reliable payments
9. PeoplePerHour App
Category: Freelancing
Earning Method: Selling services, hourly gigs
Payout: Bank via Payoneer or PayPal
Why It’s Great:
This is an alternative to Fiverr that many Nigerians use to land international jobs in writing, editing, SEO, social media, and programming. Hourly gigs pay anywhere from $10 to $100 depending on skill level.
Pros:
- No upfront investment
- High-quality freelance jobs
- Easy to set up
10. Jumia Affiliate App
Category: Affiliate Marketing
Earning Method: Earn commissions by promoting Jumia products
Payout: Direct to Nigerian bank account
Why It’s Great:
If you have followers on social media, or own a blog or WhatsApp group, this is a goldmine. Jumia pays up to 13% commission per sale when someone buys through your link.
Pros:
- Flexible
- No product to own
- Pay directly to your bank account
Tips to Succeed with Money-Making Apps in Nigeria
- Use Multiple Apps: Don’t rely on one. Use 2–3 apps daily to maximize income.
- Be Consistent: Especially on platforms like Kashgain and Fiverr.
- Refer People: Many apps reward you for inviting others.
- Avoid Scams: Only use verified apps from official stores like Google Play or Apple Store.
- Have a Wallet: Opay, Kuda, and PalmPay can help manage your earnings smoothly.
Frequently Asked Questions (FAQs)
Q1: Which app pays directly into a Nigerian bank account?
A: Konnect, Jumia Affiliate, and Opay all pay directly into Nigerian bank accounts without needing foreign exchange or conversion platforms.
Q2: Are money-making apps real in Nigeria?
A: Yes, many Nigerians are earning real money from legit apps like Fiverr, Premise, and Toloka.
Q3: What is the best app for students to earn money in Nigeria?
A: Konnect and Premise are ideal for students due to flexibility and low data consumption.
Q4: Can I earn dollars from these apps?
A: Yes, platforms like Fiverr, Toloka, and PeoplePerHour pay in USD. You can convert earnings using Payoneer or crypto wallets.
Q5: How much can I earn monthly?
A: It depends on the app and your effort. On average:
- Konnect: ₦10,000 – ₦50,000
- Fiverr: ₦50,000 – ₦500,000
- Premise/Toloka: ₦5,000 – ₦30,000
Conclusion
Earning money online in Nigeria has never been easier in 2025. With the right apps, smartphone, and a bit of consistency, you can build multiple income streams from the comfort of your home. Whether it’s by doing surveys, posting on Konnect, offering services on Fiverr, or referring friends on Jumia, your phone can become your ATM.
Ready to start earning? Pick any 3 apps from this list and begin your journey to financial freedom today.
