In 2025, numerous apps offer Nigerians diverse opportunities to earn money online. Here are the top 10 money-earning apps tailored for users in Nigeria:
- Opay: A leading financial app in Nigeria, Opay allows users to become agents, providing cash deposit and withdrawal services for a commission. It also offers cashback incentives, savings options with competitive interest rates, and referral bonuses.
- Fiverr: A global freelancing platform where individuals can monetize skills such as graphic design, writing, and voice-over services. Nigerians can connect with clients worldwide, offering services at their chosen rates.
- PiggyVest: This financial app helps Nigerians save and invest money. It offers investment opportunities in agriculture, real estate, and small businesses, along with flexible savings options that reward users with interest.
- PalmPay: A financial app that rewards users for transactions like bill payments, airtime purchases, and transfers. It provides cashback rewards, referral bonuses, and promotions for frequent users.
- TikTok: Beyond entertainment, TikTok offers monetization avenues for Nigerian creators through brand partnerships, live stream gifts, and the Creator Fund, enabling users to earn by showcasing their creativity.
- Shuttlers: An app designed to address transportation issues in Nigeria, Shuttlers allows users to sign up as bus owners or operators, earning income by providing transportation services. Commuters can also save money by purchasing discounted transport plans.
- YouTube: A platform for content creators to earn through Google AdSense, brand partnerships, and sponsored content. Nigerians can build a steady income stream by creating engaging videos for a large audience base.
- Jumia: A popular e-commerce platform in Nigeria offering income opportunities through its affiliate program and seller options. Users can earn commissions by promoting Jumia’s products or by selling their own products on the platform.
- Surveytime: An app that allows Nigerians to earn by participating in online surveys. Companies seek consumer opinions to improve their products and services, and Surveytime compensates users for their feedback, with payments made directly to PayPal or other supported wallets.
- Bamboo: An investment app enabling Nigerians to invest in stocks from U.S. and Nigerian markets. Users can earn dividends and capital gains by purchasing shares of top companies.
These apps provide various avenues for Nigerians to generate income, catering to different skills, interests, and financial goals.