How to Make Money from Your Phone in Nigeria [10 Ways in 2024]

  • October 2, 2023

Did it just occur to you that you can make money from your phone, and now looking for how? Of course, several mobile apps pay real money in Nigeria.

From doing menial online jobs and completing simple tasks, to trying out a small online business, you can make money with your phone in many ways.

So, if you’re looking to boost your bank account, your smartphone might just be a smart way to do that. Nairarush has curated this post to show you simply how to make money from your phone in Nigeria.

Here, you’ll discover the best ways to make money online using your phone from home, office, or anywhere.

We’ll go through everything from the simplest that will make you a few couples of thousands (naira) to the ones that require more effort but could make you hundreds of thousands if not millions of naira easily.

Without further ado, let’s get started!

10 Way to Make Money from Your Phone 2023

The top ways to make money using your phone in Nigeria in 2023 include:

1. Earning Cash Back

The first way to easily earn money from your phone doing nothing is to download apps that reward you with cashback whenever you buy things. There are lots of such apps in Nigeria. The most popular ones include Opay and PalmPay

On these apps, you can earn cashback for recharging airtime, buying data, making TV cable subscriptions, funding betting accounts, paying electricity bills, and so on. The more purchases you make using these apps the more money you’ll earn.

You could earn up to 20% cash back from these apps. For example, if you buy 1000 naira airtime or data, you could earn up to 200 naira for free. Imagine doing this for other people like friends and family.

There are other cashback apps that work worldwide. They pay you usually for shopping online. These apps include Ibotta, Shopkick, and so on. You can receive your cashback via gift cards here.

Related: 20 Smart Ways to Make Money Online in Nigeria

2. Taking Surveys

In your free time, you can make money on your phone by answering quick surveys. A lot of survey websites have their own mobile apps, including MyPoints, i-Say, and Survey Junkie.

You can download multiple of these apps, sign up, and start making money for every survey you fill out. Usually, these apps reward you with points after completing a survey. These points can be converted into cash by either redeeming them to gift cards or withdrawing them through PayPal.

Although you can’t make millions of naira doing this, as those reward points are small when converted into real money. But taking surveys is easy enough. You can make up to 1000 per hour. The more survey apps you have on your phone, the more money you’ll make.

3. Surfing the Web and Watching Videos

Just like taking surveys, you can earn free money online using your phone by watching short videos and visiting different websites.

There are lots of websites and apps that offer this opportunity. All you just need to do is download the apps, sign up, and start watching videos.

Usually, these companies pay for these platforms to show ads to people. So, every video you watch is an ad.

Some platforms may ask you to write a review after watching videos or visiting websites. Once that is done perfectly, you’ll be rewarded with points that you can convert to gift cards or withdraw through PayPal.

See Also: Sites that Pay Real Money for Watching Videos in Nigeria

4. Becoming a Freelancer

If you’re here in search of how to make real money or a lot of money online using your phone, becoming a freelancer might just be the perfect way to do that. Fiverr, and Upwork is the most popular platforms for this in Nigeria.

On these websites, you can do a variety of online jobs including writing, editing videos, and photos, graphic designs, web designs, brainstorming business names, etc, and get paid a reasonable amount of money.

Freelancing is the most popular way a lot of people use to make money online from their phones in Nigeria. This is because you can earn up to millions of naira per year as a freelancer.

Once you have your smartphone, a data connection, and the needed skill, you’re good to get started. The money made can be withdrawn into your bank account.

5. Using Investment Apps

Downloading and using investment apps is one of the smartest ways to make money from your phone in Nigeria.

If you have money, not in use in your bank account, you can just move it into an app like Piggyvest, or Opay, and gain daily interest on the money.

There are lots of investment platforms in Nigeria, and some pay up to 30% interest per annum if you save your money with them.

The cool thing is that you don’t need to save your money for a year before getting profits. A lot of those apps credit your interest into your account on a daily basis.

For example, if you invest 50,000 naira on a legit online investment platform that pays 30% interest per annum, you will get a daily interest of up to ₦50 daily, or ₦1,500 monthly. You can withdraw your money anytime you like.

Check Out: Best Investments Platforms that Pay Daily in Nigeria

6. Starting a YouTube Channel

You can create a YouTube channel on the YouTube app, use your phone to record and edit interesting videos, post them on your channel and start making money.

A lot of Nigerian skit makers started by recording skits using their phone camera. You too can become a skit maker, or a YouTuber in other niches starting with just your smartphone.

You can earn a lot of money on YouTube. The most popular way of making money on YouTube in Nigeria is through ad revenue. This pays daily once you’re accepted into the YouTube partner program.

You can also make money from your YouTube videos through sponsorships, and promoting affiliate products. You can make millions of naira from YouTube if you work hard on your channel.

7. Playing Games and Earn

If you’re in school and seeking how to make money from your phone as a student in Nigeria, you can play games in your free time and earn some extra cash.

There are lots of apps that offer this opportunity. You can play different kinds of games including educational ones such as the Carry 1st Trivia App, and so on.

Other apps like Swagbucks, and Survey Junkie allow you to download apps, and play games to earn points which you can convert into real cash. You can earn up to $5 or more per game downloaded and play.

Related: Games that Pay Real Money in Nigeria

8. Selling Recharge Cards

Another smart way to make money from your phone in Nigeria as a student is by selling recharge cards.

Many apps and websites allow you to print and sell recharge cards online and reward you with small commissions.

Other ways of making money online on your phone like playing games pay, but are not always consistent. Also, it can take several months to reach the withdrawal threshold on those apps.

However, by selling recharge cards, you can get a reasonable commission of up to ₦200, per ₦1000 recharge card, and withdraw instantly to your bank account.

To start, you just need to find a good recharge card reseller platform, register an account, fund your wallet, and start making money once you sell a recharge card or data. You can start with as little as ₦1000.

Read Also: How to Start a Recharge Card Business on Your Phone

9. Becoming a Social Media Influencer

Make money from your phone
Credits: Istockphoto

One of the easiest ways to make money online in Nigeria using your phone is to become a social media Influencer. If you’re able to acquire tons of followers online on Instagram, Tiktok, or even Facebook, you can turn your account into a money-making machine.

Influencers get paid by companies to promote their products. Social media pages with thousands of followers do attract companies. You can earn up to a million naira or more per sponsored post as an Influencer.

10. Selling Your Photos

Apps such as Foap, Snapwire, and EyeEm will pay for your photos and videos. You can take amazing pictures, upload those photos from your smartphone to their platforms, and make them available in their marketplace.

These apps offer you a percentage every time your photos are downloaded by agencies and buyers. You can also sell your photos for up to 50% commission on Alami.

If your photo sells for $100, you would get up to $50 (about ₦25,000). You can upload as many photos as you want on these platforms. The more photos uploaded the higher your chances of getting them sold.

Related: Top 15 Money Making Apps in Nigeria Right Now

Earn Money on Your Phone – FAQs

What can I do with my phone to make money?

Things you can do with your phone to make money include writing on freelance websites and completing tasks such as surveys, app downloads, and playing games on platforms like Swagbucks, Survey junkie, MyPoints, etc.

Which app gives money on installing?

Apps that give money on installing include Swagbucks, MyPoints, and Toloka. You can earn money by downloading apps on these platforms.

How can I make money on my phone without investment?

You can make money on your phone without investment in several ways including taking surveys, downloading apps, playing games, watching ads, and working as a freelancer on apps like Fiverr and Upwork.

Related: How to Make Money in Dollars Online

What apps give free money?

Apps that give free money in Nigeria include Opay and PalmPay. On these apps, you earn free money as daily cash back, and also whenever you buy data or airtime, and pay bills.

How to make money with your Android phone?

You can make money with your Android phone by becoming a freelancer on Fiverr and Upwork, becoming an Influencer on Instagram and TikTok, and also becoming a Youtuber.


With how technology keeps advancing, you don’t need a laptop or desktop to start making money online, as you can turn your iPhone or Android into a money-making machine to boost your bank account.

With this post on how to make money from your phone in Nigeria, I believe you’ve gotten one or two ways that suit you. Just put it to work and start cashing out online just like other teenagers!