Looking for easy ways to make extra money? Money-making apps are exploding in Nigeria, offering convenient opportunities to supplement your income.
We’ve vetted the leading money-making apps of 2024. In this comprehensive guide, we dive into the top apps for making money like HawkiT, Bolt, Jumia, Swagbucks and more.
Discover how each one works, the fastest ways to get paid, and insider tips to maximize your earnings. We will cover how these innovative apps allow you to earn cash rewards, airtime, gift cards and vouchers through simple activities like completing surveys, shopping online, playing games, referrals, and more. We have also outlined the key features, pros, cons and download links for each of the apps.
With these apps, you can choose your money-making opportunities based on what fits your lifestyle and skills. Whether you want to pay off debt, save up for something special or gain extra income, these free apps help you to earn money without investing.
Join us as we explore these apps that pay money instantly and learn how to maximize your earnings and decide which options align with your lifestyle.
The 15 Best Money-Making Apps in Nigeria
App Name | Best For |
Swagbucks | Surveys & gift cards |
Survey Junkie | Online surveys |
Hawkit | Social media tasks |
Upwork | Freelancers |
Rakuten | Cashback |
Google Opinion Rewards | Google Surveys |
Toluka | Online and offline tasks |
Fiver | Freelancing |
Offerup | Online Sales |
Ibotta | Cash backs |
Foap | Selling photos |
Jumia | Online sales |
Bolt | Drivers |
Youtube | Influencing |
MyMTN | Airtime & Data |
Swagbucks
Swagbucks has established itself as the go-to app for anyone looking to earn rewards online. With its diverse range of earning opportunities, users can earn SB (Swagbucks Points) by taking surveys, watching videos, shopping online, and much more. It is an app that pays real money.
These points can then be redeemed for cash or gift cards, making it a great way to boost your income. The simplicity of Swagbucks’ interface and its wide range of earning options make it a favourite among users looking to make money with minimal effort.
How to Make Money on Swagbucks:
- Take surveys & share your opinions for points (SB).
- Play games & earn SB while having fun.
- Use the Swagbucks search engine & earn SB while searching.
- Answer trivia in Swagbucks Live for a chance to win cash.
- Discover special offers & earn bonus SB or gift cards.
Pros:
- Earn rewards in various ways.
- Redeem points for gift cards or cash.
- Fast & reliable payouts.
- Get a $10 bonus when you join (with purchase).
Cons:
- Low earning potential per activity.
- Some tasks can be time-consuming.
- Disqualification from surveys is possible.
- Users report technical issues sometimes.
Download: Google Play store, Apple App store
Survey Junkie
Survey Junkie has become the go-to platform for individuals who want to monetize their opinions. It provides a simple way to earn cash or gift cards by participating in surveys on various topics. Survey Junkie is one of the most popular money-making apps in Nigeria.
With a range of topics to choose from, users can share their thoughts and earn rewards in return. There’s no hassle, no guesswork, and no jumping through hoops, just honest, straightforward rewards for sharing your perspective. For anyone looking to make money by voicing their opinions, Survey Junkie is the clear choice.
How to Make Money on Survey Junkie:
- Share opinions & get rewarded.
Pros:
- Earn for brief surveys.
- Redeem for e-gift cards or cash.
Cons:
- Surveys may expire.
- Repetitive questions are possible.
Download: Google Play store, Apple App store
Hawkit
Hawkit is a unique platform designed for individuals in Nigeria seeking a side hustle. This versatile platform not only allows users to earn money through simple social media tasks but also serves as a powerful advertising space for businesses looking to expand their reach.
Hawkit presents an exciting opportunity for individuals in Nigeria to earn extra income through straightforward social media tasks. The platform’s dual functionality, catering to both users and businesses, adds versatility to its appeal. While the earning potential is flexible, users should be mindful of the task availability and the relatively low monetary rewards per task.
How to Make Money on Hawkit:
- Follow, like, comment, share, subscribe, test apps, advertise.
- ₦50 for reposts, ₦60 for app reviews, ₦2 per comment.
- Reach a wide audience and generate sales.
- User-friendly interface for smooth navigation.
Pros:
- Choose tasks and work when it suits you.
- An affordable way to reach customers and boost sales.
- Choose tasks you enjoy!
Cons:
- May require many tasks for significant income.
- Earnings may not be consistent.
- More users may saturate tasks.
Download: Google Play store, Apple App store
Upwork
For skilled professionals seeking to monetize their talents, Upwork offers an unparalleled opportunity. By connecting freelancers with clients all over the world, Upwork opens the door to a wide range of opportunities, from writing and design to development and more.
With its global reach and intuitive platform, Upwork makes it easy to showcase your skills and get paid for your work. Whether you’re a seasoned pro or just starting, Upwork is a must-have tool for anyone looking to build an online career.
How to Make Money on Upworks
- Upwork helps you find freelance jobs and clients looking for skilled professionals.
- Set your preferred rate and schedule for projects.
- Upwork ensures you get paid for your work.
Pros
- It is easy to discover and bid on projects.
- Set your own rates and work schedule.
Cons:
- Upwork charges a 10% service fee on your earnings.
- You have to stand out from other freelancers to win projects.
- Payment delay
Download: Google Play store, Apple App store
Rakuten
Rakuten, formerly known as Ebates, makes it easy to earn cashback on everyday purchases. By simply shopping through the Rakuten platform, users can earn a percentage of their total back in cash.
Whether it’s groceries, clothing, or electronics, Rakuten is an indispensable tool for those looking to maximise their savings. With its simple, user-friendly interface, Rakuten is perfect for those who want to get the most out of their shopping experience.
How to Make Money on Rakuten
- Earn cash back at over 3,500 stores.
- Seamless cashback process through website or app.
- Redeem rewards once you reach $5 in cash back.
- Redeem via check or PayPal.
Pros:
- Thousands of stores to choose from.
- Get a $10 welcome bonus and refer friends for more rewards.
- Donate your cash back to charity.
Cons:
- Receive cash back every 3 months.
- Requires initiating purchases through the app.
- Can’t earn cash back on purchases made outside the app.
Download: Google Play store, Apple App store
Google Opinion Rewards
Google Opinion Rewards is a mobile app that lets you earn Google Play Store credit by answering quick surveys. Google Opinion Rewards is a straightforward app for earning small amounts of Play Store credit through short surveys.
While earning potential might be limited, it’s a convenient option for occasional users who want to accumulate credit for digital purchases. However, users should be aware of potential limitations, such as occasional survey scarcity and the restricted nature of Google Play Store credit.
How to Make Money on Google Opinion Rewards:
- Answer brief surveys about your preferences and experiences.
- Surveys may be tailored to your location.
- Get alerted when new surveys are available.
- Redeem credit for apps, games, movies, and more.
Pros:
- Simple and user-friendly interface.
- No cost to download or use the app.
- Use your credit on various digital products.
Cons:
- Surveys can be infrequent
- Minimum cashout: $2
- Credit only for Play Store
Download: Google Play store, Apple App store
Toloka
Earn money with micro-tasks on Toloka. From website reviews and data classification to image capture and video recording, Toloka offers a diverse range of online and offline tasks. You can work anytime, anywhere, and choose tasks that suit your skills.
The user-friendly app and flexible payment options (Skrill, Payoneer for Nigerians) make it easy to get started and withdraw your earnings. While individual tasks pay small, consistent effort can lead to a decent side hustle.
How to Make Money on Toloka:
- Watch videos, capture images, provide website reviews, and more.
- Work from anywhere, anytime.
- Easy to navigate for anyone.
- Earn more with more completed tasks.
- Withdraw earnings through Skrill or Payoneer (for Nigerians).
Pros:
- Ideal for students, stay-at-home parents, or anyone seeking a side hustle.
- Choose activities that suit your interests and skills.
- The more you work, the more you earn.
- Flexible payment options overcome withdrawal challenges.
Cons:
- Earnings depend on the task completed.
- Most tasks require online access.
- Earning significant amounts might require consistent effort.
Download: Google Play store, Apple App store
Fiverr
Fiverr, a renowned freelance marketplace, opens up a world of opportunities for freelancers, allowing them to showcase their skills and earn income by offering a diverse range of services.
While the platform introduces a unique approach to freelancing, providing flexibility and global exposure, freelancers should be mindful of the fees and waiting periods associated with fund withdrawals. Fiverr stands as a gateway for freelancers to showcase their skills, attract clients globally, and embark on a rewarding journey in the freelancing landscape.
How to Make Money on Fiverr:
- Create and fulfil gigs on your phone.
- Over 200 categories (programming, writing, design).
- Multiple options, including Payoneer for Nigerians.
- Unlock extras like faster delivery with higher levels.
Pros:
- No need for aggressive marketing.
- Boost your income with additional payments from clients.
- Fit gigs around your existing commitments.
- Access clients worldwide and potentially earn more.
Cons:
- Fiverr takes a share of your earnings (including tips).
- Wait 14 days (7 days for top sellers) to access funds.
Download: Google Play store, Apple App store
Offerup
OfferUp, a local marketplace born from the 2020 merger with Letgo, simplifies selling by allowing users to post items effortlessly. Creating a listing is quick; just snap a photo, add details, and set the price. For local sales, cash transactions are recommended.
With nationwide shipping (excluding Alaska, Arkansas, and Hawaii), sellers can expand their reach. The platform ensures instant payment for local cash sales and offers the convenience of viewing buyer reviews. However, sellers should note the 12.9% service fee (minimum $1.99) for shipments, and investing in a printer may be necessary for successful shipping transactions.
How to Make Money on Offerup:
- List furniture, clothes, electronics, and more.
- Create listings with photos in minutes.
- Choose your preferred transaction method.
- Check buyer trustworthiness before meeting them.
- Get paid on the spot when buyers meet you.
Pros:
- It has a user-friendly interface that simplifies listing and selling process
- You have an expanded buyer pool as you can sell locally or ship nationwide
- You can check buyer reviews and meet in public places for local pickups.
- Receive cash instantly for local sales.
Cons:
- Requires arranging local pickups and handling cash transactions.
- Pay 12.9% or $1.99 minimum for nationwide shipping.
- Print shipping labels for mailed items.
Download: Google Play store, Apple App store
Ibotta
Ibotta is a popular cash-back app that lets you earn money on in-store and online purchases at over 2,000 retailers. Simply scan product barcodes, upload your receipt, and watch short videos to earn cash back.
Ibotta offers a welcome bonus, referral bonuses, and various payment methods, but requires a $20 minimum withdrawal and charges an inactivity fee.
How to Make Money on Ibotta
- Earn cash back on in-store and online purchases at over 2,000 retailers (groceries, clothing, entertainment, etc.).
- Scan product barcodes, upload receipts, and watch short videos to earn rewards.
- Welcome bonuses, referral bonuses, and multiple payment methods (PayPal, gift cards, bank transfer).
Pros:
- Easy to use and earn rewards quickly (cashback within 24 hours for in-store purchases).
Cons:
- $20 minimum withdrawal and inactivity fee.
- Making money can be slow, and online cashback has varying waiting periods.
Download: Google Play store, Apple App store
Foap
Foap lets you turn your phone pics into cash. Sell photos to big brands and agencies, and earn 50% commission on each sale. No minimum withdrawal and payments are made monthly via PayPal. Complete “missions” for brands to boost your earnings. Great for anyone with a smartphone and an eye for capturing a good photo.
How to Make Money on Foap
- Sell photos you take with your phone to brands and agencies.
- Earn 50% commission on each sale, creating passive income.
- Participate in brand missions for additional earning opportunities.
- No minimum withdrawal, with monthly payouts via PayPal.
Pros:
- Easy to use anyone with a smartphone can participate.
- Passive income potential – photos can sell multiple times.
- No minimum withdrawal threshold for earnings.
Cons:
- 50% commission may be lower than other platforms.
- Success relies on high-quality photos and appealing to brands’ needs.
- Income can be unpredictable and depend on market demand.
Download: Google Play store, Apple App store
Jumia
Jumia, a leading online marketplace in Nigeria, offers a platform for businesses of all sizes to reach a wider audience and expand their reach.
You can get started by creating a seller account on Jumia is one of the free apps that pay real money instantly. However, you’ll need to have a registered business and a bank account to get started. Before diving in, it’s recommended to complete Jumia’s training program to familiarize yourself with the platform’s policies and procedures.
How to Make Money on Jumia:
- Upload products with descriptions, images, and prices.
- Sell various items, from electronics to groceries.
- Use Jumia’s tools to reach more buyers.
- Pick, pack, and deliver orders within 24 hours.
Pros:
- Tap into Jumia’s massive customer base.
- You can increase your brand awareness and sales.
- Reduce overhead compared to physical stores.
- An easy-to-use platform for managing your business.
Cons:
- High competition
- Jumia charges commissions and may have shipping fees.
- Ensure timely deliveries and handle customer service
Download: Google Play store, Apple App store
Bolt
Bolt, a popular ridesharing and delivery app, provides two distinct avenues for generating income: driving passengers and delivering goods. Each option offers unique advantages and considerations, making it crucial to understand the nuances before diving in. It is one of the best apps to make money fast.
How to Make Money on Bolt:
- Choose your hours and work as much or as little as you like.
- See the estimated earnings for each trip/delivery before accepting.
- Get paid directly into your bank account.
- Separate apps for drivers and couriers, each tailored to specific needs.
Pros as a Driver:
- Primarily use your vehicle, minimizing initial investment.
- Interact with passengers and explore different areas.
- Particularly during peak hours or with bonuses.
Cons as a Driver:
- Responsible for maintenance and fuel costs.
- Earnings can fluctuate based on external factors.
- May encounter challenging or demanding passengers.
Pros as a Courier:
- Deliver various items, from food to packages.
- Explore different routes and neighbourhoods.
- Focus solely on completing deliveries.
Cons as a Courier:
- Lifting and carrying items can be physically demanding.
- May have strict delivery timeframes.
- Deliveries can be affected by rain, heat, or snow.
Download: Google Play store, Apple App store
Whether you prefer driving or delivering, Bolt offers a flexible and potentially lucrative way to earn extra income. Carefully consider the pros and cons of each option to see if it aligns with your preferences.
Youtube
YouTube is a globally recognized video-sharing platform that has not only become a source of entertainment but also a lucrative avenue for individuals to make money. In Nigeria, YouTube has gained immense popularity, offering content creators and entrepreneurs the opportunity to monetize their skills and creativity.
It offers a promising avenue for Nigerians to make money through creative content. It should be noted that success on YouTube often requires consistency, dedication, and a keen understanding of audience preferences.
How to Make Money on Youtube :
- Earn from ads, Super Chat, and memberships.
- Reach a massive global audience.
- Create diverse content formats, from tutorials to vlogs.
- Track performance and interact with viewers.
Pros:
- Earn from various sources like ads and merchandise.
- Start with basic equipment and an internet connection.
- Showcase your talent to a global audience.
- Monetize different types of content.
Cons:
- Algorithm changes can affect income.
- Strict requirements for monetization.
- Earnings depend on ad clicks and placements.
- Standing out in a competitive environment is challenging.
Download: Google Play store, Apple App store
MyMTN App
MyMTN is a free mobile app designed to simplify your MTN Nigeria mobile experience while offering potential earning opportunities.
MyMTN provides a convenient platform for managing your MTN Nigeria mobile experience and exploring potential earning options through available features. However, it’s important to exercise caution and conduct your research regarding any investment opportunities available within the app.
How to Make Money on MyMTN App:
- Top-up, buy bundles, pay bills, and track data.
- Access investment opportunities. (Availability may vary.)
- Participate in loyalty programs for discounts and benefits.
Pros:
- Manage your mobile needs and explore earning options in one app.
- Easily handle tasks on a user-friendly platform.
- Explore investments and loyalty programs for possible benefits.
Cons:
- You can only earn data and airtime, not cash
Download: Google Play store, Apple App store
Conclusion
Money-making apps provide an easy and enjoyable way to supplement your income during your free time. You can conveniently earn extra money, airtime, and gift cards by completing simple online activities like taking surveys, shopping, playing games, and performing microtasks.