Top 15 Best Money Making Apps in Nigeria 2024 [Earn Real Cash]

  • October 2, 2023

If you’re looking to make money online using your phone, downloading apps that pay real money would be your first thought, I guess!

Of course, there are lots of apps online that claim to pay real money. However, many won’t pay you after reaching the withdrawal threshold, while others may require you to do thousands of tasks before cashing out.

But that doesn’t mean there aren’t money making apps that really pay. Nairarush has rounded up 15 of the best apps to make money online and withdraw real cash.

In this article, we will be showing you all of them. We’ve also included some bonuses. That is, apps that could pay thousands of dollars and more working online from Nigeria.

If you’re ready to discover all that and start cashing out online legitimately using your phone, let’s get started!

Understanding Money Making Apps

First, let’s demystify what money making apps are. They are simply mobile applications that allow you to earn money by completing surveys, tasks, shopping, or even playing games.

Notably, some of these apps pay real money instantly, offering a fantastic way to supplement your income.

However, it’s essential to choose wisely to avoid scams, especially when looking for a genuine online app that pays daily in Nigeria.

Check Out: Daily Tasks to Earn Money in Nigeria

Top 15 Best Money Making Apps in Nigeria 2023

With so many options available, here are our best picks of apps that you can use to make money online in Nigeria in 2023:

1. Toloka

Money Making Apps in Nigeria

The first money making app on this list is Toloka. This app is available on Google Play Store and pays you to complete simple tasks both online and offline.

If you spend a lot of your time outside your home or walking, Toloka has field tasks that you can do and get paid for. These include verifying or adding information about businesses such as adding photos, marking entrances to buildings, and checking their working hours. 

If you prefer to earn money at home, you can give feedback on websites on how good or not so good they are and earn money. You can also watch videos, take selfies, record your TV, and so on.

The amount of money you can make depends on how much each task pays. The more tasks you complete, the more money you earn. You can withdraw funds in naira via Skrill, or Payoneer.

Related: 20 Smart Ways to Make Money Online in Nigeria

2. Swagbucks

Swagbucks is a very popular survey platform that has paid over 300 million dollars to users over the years. This app pays you to fill out surveys, download apps, play games, watch videos, and so on. If you also shop online, you can get cash back from Swagbucks.

Union completing a task, you earn points called “SB”. These SB can be redeemed for gift cards including Amazon gift cards, Target, Starbucks, and Steam gift cards among others.

The task on this app pays well, as you can up to 5000SB or more per task, which is equivalent to about $50. There are unlimited tasks to complete daily, the more you do, the more you earn.

3. Make Money – Cash Earning App

Make money cash earning app is another money making app that pays you to complete simple tasks including filling out surveys, testing websites, downloading apps, playing games, and so on.

Just like Swagbucks, you get paid in points when you complete a task. 1 million points worth $1 (about ₦500), and you can earn up to 12 million points ($12 or ₦6000) and even more to just download and play games. Once you reach your withdrawal threshold, you can withdraw your fund through PayPal.

Related: 18 Smart Business Ideas to Start with 5K in Nigeria and Make Massive Profits

4. BuzzBreak

BuzzBreak is a mobile app that pays you to read breaking news from popular news platforms such as CNBC, Al Jazeera, Forbes, The New York Times, etc. You can also earn money watching videos, completing daily tasks such as playing games, and downloading apps.

Earning from this app starts from registration. You’ll get free bonus points, get more points if you enter a referral code, and also earn some points when you invite friends to download and use BuzzBreak.

You get paid in points for every task completed, and you can convert your points and withdraw through PayPal and Gcash. The minimum withdrawal from BuzzBreak is $0.02.

5. Scooper

Scoopers is another news-reading app to make money in Nigeria. This app pays you to read news from both Nigeria and global news sites.

Using scooper, you’ll earn 5 points for every article read, and you can read up to 30 articles per day which is equivalent to 150 points. Just like BuzzBreak, you also earn points when you refer someone to download and register on the scooper app.

When you reach the minimum withdrawable amount, your money goes directly into your bank account connected to your scooper account.

Check Out: Games that Pay Real Money in Nigeria

6. Foap


If you’re looking to make some serious money, Foap is one of the money making apps that pay well in Nigeria. Basically, this app lets you make money online selling photos.

You can just take pictures with your smartphone, upload them on the app, and start making money when someone downloads your photography.

Registration is free on this app, and you’ll get paid a 50% commission when any of the images you upload is bought. Top brands like Getty Image also buy images from Foap, so you can make a lot of money from this app.

7. Clickworker

Clickworker is one of the best apps to make money online in Nigeria. From filling out surveys to installing apps, there are lots of ways to make money with this app.

On Clickworker, you can also earn money by doing some micro jobs offered by other users. These include data entry (typing), signing up for different websites, voice recording, video recording, completing third-party CPA offers, and lots more.

If you’re looking for the highest paying money making apps in Nigeria, Clickworker is one of them, as you can earn up to $500 and even more every month doing micro jobs online. Although, this depends on how much time you have to put in. Payments are made weekly through PayPal.

Related: Daily Tasks Earn Money in Nigeria

8. Chingari

Instead of posting, liking, and sharing short videos on TikTok and other social media without getting paid, you can do all that on the Chingari app and make a lot of money daily.

Chingari is a new social media app just like TikTok. You can create and post your videos on this app, and get paid in a cryptocurrency called “GARI”. You also get rewarded for liking, and sharing videos on this app.

Although not so many people know this app, it has over 50 million downloads worldwide, which means there are unlimited videos to watch and make money.

9. Carry 1st Trivia App

Money making app in Nigeria

Carry 1st Trivia app is one of the most popular apps to make money online in Nigeria. This app has been around for long, and has been making people some extra cash daily.

The Carry 1st Trivia app pays you to answer questions usually based on general knowledge. Once your answer is correct, you earn money. Apart from the reward it offers for correct answers,  you also get to expand your knowledge by discovering and learning lots of fun facts from the questions.

So, if you’re looking for the best money making apps for students in Nigeria, the Carry 1st Trivia app definitely carry 1st here.

See Also: How to Earn 3K Daily in Nigeria

10. Chipper Cash

Although built for receiving money, making transfers, buying data and airtime, and paying bills, you can also make some cool cash from the Chipper Cash app.

To make money from this app, all you just need to do is refer someone. Once the person signs up with your referral link and transfers money to another chipper cash user, you could earn up to 1000 Naira, which you can withdraw into your bank account instantly.

A friend of mine once made 20,000 Naira a week from the chipper cash referral program. The strategy he used was to create an account for himself, then use his referral code to help others (including me) sign up.

Then after verification, he will send ₦1000 to the new account created, and send it back to his own chipper cash account, then both accounts get credited with free ₦1000 each.

So, if you’re looking for apps that pay real money in Nigeria, download, and try the chipper cash referral program.

11. Mode Earn App

Looking for legit apps to make money online in Nigeria listening to music? The mode earns app pays you just for that.

Formerly known as Current Rewards, the Mode Earn App allows you to earn some extra cash for your everyday habits.

From playing games and listening to music to shopping online, & even charging, this app pays you literally for owning a smartphone. You can even earn money by unlocking your phone.

For every task completed, you get paid in points which can be redeemed for gift cards or cash via PayPal. You can withdraw as low as $0.10 (₦50) from the app, and you can earn up to $600 (₦300,000) per year on the Mode Earn App.

Read Also: How to Make Money on Instagram in Nigeria

12. Hawkit

Hawkit is another app that pays in Nigeria. This app lets you earn money every day by performing simple social media tasks such as following social media pages and accounts, liking social media posts, commenting on posts, sharing posts, subscribing to Youtube channels, posting adverts on your WhatsApp status, testing apps, and so on.

You can also make money on this app by selling products and services to a large number of Nigerian audiences.

If you’re looking for an app that pays real money in Nigeria Naira, Hawkit is a good one for you, as you can earn up to ₦50 per social media repost, ₦60 for app reviews, ₦50 for joining a WhatsApp group or Telegram channel, ₦20 per comment, and so on.

13. Opay

Just like Chipper Cash, opay is a well-known fintech app that is used for all kinds of financial transactions including saving money, sending money, withdrawals, and paying bills. However, what people don’t really know about opay is that it is one of those apps that pay real money in Nigeria.

The Opay referral program that pays up to N800 per referral makes it another legit money making app in Nigeria. Just by recommending the app to your friends and family, you can earn 800 Naira for free online.

To earn this referral reward, you must make sure that the person you referred, installs, signs up, and completes a transaction. Once your referee is verified, you’ll get credited 800 Naira. The more people you refer, the more money you’ll make.

Related: Top Referral Apps in Nigeria

14. Fiverr

apps to make money in Nigeria

If you’re looking for legit apps to make money in Nigeria, Fiverr is one of the best. This app lets you make money working as a freelancer.

If you’re skilled in writing, programming, graphics designing, internet marketing, or business name brainstorming, you can make money on Fiverr offering any of these services, as there are lots of companies willing to pay you up to thousands of dollars (millions of naira) for your service.

To start, you just need to download the app, register, create your gig, send requests, get an order and start making money. Once you complete an order, you’ll get paid to your Fiverr account, which you can withdraw through Payoneer in Nigeria.

15. Upwork

Just like Fiverr, Upwork is one of the legit apps that pay you real money in Nigeria to work for individuals, and companies online. You can make money on this platform as a freelance writer, virtual assistant, graphics designer, web designer, music writer, and so on.

Unlike Fiverr, Upwork lets you set your pricing based on an hourly rate. That means you can set how much you’ll be charging for every hour of work.

There are also lots of companies that will hire you on Upwork, although a lot of freelance jobs are super competitive on the platform.

To start, you just need to download the app, register an account, complete the verification, list your gig and start making money when you get an order. You can withdraw your earnings through Payoneer in Nigeria.

Related: Freelancing Platforms in Nigeria

Tips for Maximizing Earnings from Money-Making Apps

To make the most out of these apps, diversify your portfolio – don’t put all your eggs in one basket. Use multiple apps to ensure steady income.

Always remember to maintain security while using these apps and stick to a routine to balance your earnings with your daily activities.

Apps that Pay Real Money – FAQs

Is there any app that pays real money?

Yes, there are several apps in Nigeria like Toloka and Swagbucks that pay real money for completing simple tasks.

What Android apps can you win real money?

Android apps like Buzzbreak and Swagbucks let you win real money through surveys, shopping, games, and more.

Which app pays you for watching videos?

Chingari pays you real money for watching videos, along with other activities, making it a top earning app in Nigeria.

What app gives you money just for signing up?

Many apps, including Opay and Chipper Cash, give you money just for signing up, providing an immediate boost to your earnings.

Which apps that can make you rich?

While no app guarantees riches, consistent use of top paying apps in Nigeria like Fiverr and Upwork can accumulate substantial income.


Making money online is great, but making it using a mobile app on your phone without much work is amazing. There are lots of legit money making apps online that could make you real cash in Nigeria, and I believe you discovered them all in this post. So, just download, sign up, and start making cool cash from home.