In 2025, making money online in Nigeria has become easier than ever. Thanks to mobile technology, you can now earn directly from your smartphone with verified, trusted apps. Whether you’re looking for extra cash or building a steady side hustle, these platforms have proven to pay Nigerian users without scams or delays.

In this blog, we’ll explore 10 genuine apps to earn real money online in Nigeria — all tested, trusted, and with verified payout records.

1. Konnect – Social Forum and Blog with Monetization

Best for: Social networking, blogging, and community interaction.

Konnect is a fast-rising Nigerian social forum and blog that allows users to earn money by engaging with the community. You can post articles, share content, comment on posts, and take part in trending discussions — all while getting paid for your activity.

How you earn on Konnect:

• Posting quality blog content.

• Commenting and engaging with other users.

• Participating in trending discussions.

Payment method: Bank transfer & mobile wallet.
Payout threshold: Varies based on activity level.

Why it’s great: Unlike typical social platforms that profit from your engagement without rewarding you, Konnect shares its ad revenue with active members.

2. Kashgain

Best for: Airtime recharge and e-commerce.

Kashgain is a Nigerian platform that combines telecom services with e-commerce. Businesses and individuals can earn by reselling airtime, data, and other digital products, while also taking advantage of Kashgain’s affiliate system.

How you earn:

• Selling recharge cards and data bundles.

• Earning commissions through affiliate referrals.

Payment method: Bank transfer.
Payout threshold: ₦1,000.

3. Opay

Best for: Cashless transactions and cashback.

Opay is more than just a payment app — it rewards you with cashback when you pay bills, buy airtime, or transfer money. Its referral system also allows you to earn bonuses by inviting friends.

How you earn:

• Referral bonuses.

• Cashback on transactions.

Payment method: Directly to your Opay wallet.
Payout threshold: No limit for withdrawals.

4. PalmPay

Best for: Cashback and bill payments.

PalmPay is a Nigerian mobile payment app that rewards users with discounts and cashback for airtime top-ups, bill payments, and transactions.

How you earn:

• Referral bonuses.

• Cashback rewards.

Payment method: PalmPay wallet & bank transfer.
Payout threshold: No minimum for withdrawals.

5. Branch

Best for: Microloans and investment returns.

Branch started as a microloan app but now offers investment features. You can invest money and earn competitive interest rates without hidden fees.

How you earn:

• Investment interest.

Payment method: Bank transfer.
Payout threshold: Depends on investment plan.

6. PiggyVest

Best for: Savings and investment returns.

PiggyVest helps Nigerians save money with discipline and also offers investment opportunities in low-risk ventures.

How you earn:

• Interest on savings.

• Investment profits.

Payment method: Bank transfer.
Payout threshold: ₦1,000.

7. Carry1st

Best for: Gaming and earning rewards.

Carry1st is a mobile gaming platform that rewards players with real money or vouchers for completing challenges and reaching milestones in games.

How you earn:

• Playing and winning games.

Payment method: Mobile money & bank transfer.
Payout threshold: Varies by game.

8. Taptap Send

Best for: Sending and receiving money internationally.

Taptap Send allows Nigerians to receive money from abroad without charges. It also offers referral bonuses for inviting friends.

How you earn:

• Referral rewards.

Payment method: Bank transfer & mobile wallet.
Payout threshold: No minimum for payouts.

9. Scooper News

Best for: Content creation and news sharing.

Scooper News pays contributors for publishing articles, trending news, and viral content.

How you earn:

• Writing and posting engaging content.

Payment method: Bank transfer & mobile wallets.
Payout threshold: ₦3,000.

10. Jumia Affiliate Program

Best for: Affiliate marketing.

Through Jumia’s affiliate program, you can promote products and earn commissions for every sale made through your link.

How you earn:

• Commissions on referred sales.

Payment method: Bank transfer.
Payout threshold: ₦2,500.

Final Thoughts

If you’re in Nigeria in 2025, these 10 money-making apps provide genuine opportunities to earn extra cash or even start a steady online income stream. From Konnect’s social blogging to investment apps like PiggyVest and gaming with Carry1st, there’s something for everyone.

The key to success is consistency — the more you engage and maximize each platform’s features, the more you can earn.