Making money online in Africa seems to be quite easier than ever, this is as a result of new emerging apps or platforms that allows users to earn passive income just by carrying out different tasks such as referrals program, gaming and many more.
In this article, we will be discussing the 5 best app to make money online in Nigeria:
Payroute App
Payroute is a platform that allow users to earn money from completing microtasks, the payment for completing microtask are always petty but one can earn higher by choosing to join and complete their offer wall tasks such as gaming, referral task, watching ads, as well as affiliate task.
Opay App
Opay app is known to be the most widely used banking app in Nigeria and most even consider it to be a mobile bank, with over 50 million downloads, a 4.5 rating as well as 729,000 reviews. The app isn’t known for making transactions alone as it also has referral program where users earn money for each successful referral, it also has different investment plans as well as it also gives out loans to help solve one’s immediate financial challenges.
It is available for both android and iOS devices.
Optimus by Afrinvest
Optimus by Afrinvest is an online earning app that works both in Nigeria and in some countries in Africa. Users can make money on this app through investing on their mutual fund and earn quarterly interest or profit with minimal risk. It also has a referral program where users are paid a thousand naira for each successive referral.
It has over 100,000 downloads, 807 active reviews and 4.0 ratings.
Piggyvest
Piggyvest is an online earning tagged as Africa’s most popular savings and investment platform with over 5million downloads, 69,000 reviews and 4.5 ratings.
Piggyvest app allows users to earn profit or daily, weekly or monthly interest from their savings and investments on the platform.
Branch Loan App
The Branch loan app is one of the widely used app or platforms is Nigeria to earn money either by requesting for loans for urgent financial purposes or you can earn through daily interest by saving money in the app.
The Branch loan app is licensed under the Central Bank of Niger (CBN) and available for downloads for both android and iOS devices. The Branch loan app has over 10million downloads, 2million review and a rating of 4.5
Disclaimer:
The content provided in this article, “5 Best Apps to Make Money Online in Nigeria,” is intended strictly for informational and educational purposes. It should not be interpreted as financial, legal, or investment advice. While we have made every effort to ensure the accuracy of the information presented, readers are encouraged to conduct independent research and exercise discretion before using any of the recommended apps.
The platforms mentioned in this article vary in purpose—ranging from completing micro-tasks and surveys to earning through affiliate programs or cashbacks. While all the apps listed have demonstrated legitimacy and functionality at the time of writing, individual earnings may vary significantly based on user effort, location, platform policies, and market conditions.
This article does not guarantee income or success and should not be viewed as a promise of earnings. Examples of potential income or benefits from using these apps are illustrative only and do not reflect typical results for all users. Factors such as internet access, smartphone functionality, task availability, and even time of day may affect how much you can earn on any given platform.
Moreover, app terms and conditions, reward systems, and withdrawal thresholds may change over time. We strongly recommend reviewing each app’s official website or terms of service before signing up or making any financial commitment. Be cautious of any app that requests upfront payments or sensitive personal information beyond standard registration needs.
Please also understand that online earning apps should be viewed as supplementary sources of income. They are not designed to replace traditional employment or serve as guaranteed long-term revenue streams. For many, these platforms provide small, convenient ways to earn passive or part-time income.
By choosing to act on the information presented here, you accept full responsibility for your decisions and outcomes. The author and publisher of this article disclaim any liability for financial loss, app misuse, data privacy issues, or unmet expectations resulting from interaction with any of the platforms discussed.
Final Thoughts:
With the rapid growth of Nigeria’s digital economy and increasing smartphone penetration, earning money online has become more accessible than ever. From side hustles to supplemental cash, mobile apps now offer a variety of ways for Nigerians to engage in legitimate, flexible income-generating opportunities—often from the comfort of their homes.
This article highlighted five of the most reliable and popular apps that cater to different needs—whether it’s through survey-taking, affiliate marketing, task completion, content sharing, or cashback rewards. Each of these platforms is designed with usability in mind, making them perfect for beginners and tech-savvy users alike.
What makes these apps especially appealing is their low barrier to entry. Most are free to use and require only a smartphone, internet connection, and consistent activity to start earning. Whether you’re a student looking for pocket money, a stay-at-home parent seeking additional income, or a worker hoping to maximize idle time, there’s likely an app that suits your goals.
However, it’s important to set realistic expectations. While these platforms can help you earn between a few hundred to a few thousand naira per day, depending on your level of activity and engagement, they are not a get-rich-quick scheme. Success on these apps requires dedication, consistency, and a willingness to follow the rules and complete tasks accurately.
Also, diversifying your online income streams by using more than one app can improve your earning potential. Just be sure to keep track of your activity, respect app guidelines, and avoid any platform that seems too good to be true.
In conclusion, making money online in Nigeria is very possible, and with the right tools and mindset, you can turn your phone into a productive asset. The five apps discussed offer great starting points for anyone interested in exploring digital income. As long as you stay consistent, stay informed, and remain cautious of scams, you can build a steady and meaningful stream of earnings from the palm of your hand.
N/B: Ensure to carry out due diligence or personal research on each of the listed platforms before joining them.
