If you're in Ghana 🇬🇭 or Nigeria 🇳🇬, and you're looking for legit apps that pay real money without any investment, you're in the right place. In 2025, you don't need to deposit a pesewa or kobo to start making money online.

Whether you're a student, job seeker, or just looking to hustle with your smartphone, these tested apps let you earn by watching ads, completing surveys, referring friends, playing games, and more. Best part? You get paid directly to MTN MoMo, OPay, PalmPay, or your local bank account.

10+ Trusted Free Money Apps for Ghanaians & Nigerians (2025)

1. Premise App (Ghana & Nigeria)

Payout: PayPal, Bitcoin, Airtime
Earnings: ₦2,000–₦10,000 / GH₵30–₵150 weekly
What You Do:
✔️ Complete location-based surveys
✔️ Take photos of products
✔️ Answer local polls

Lightweight, flexible, and pays within days.

2. Clickworker (Ghana & Nigeria)

Payout: Payoneer → Bank account or MoMo (via linked bank)
Earnings: ₦5,000–₦30,000 / GH₵80–₵400 monthly
Tasks Include:
✔️ Writing small articles
✔️ Data categorization
✔️ Image labeling

Great for students and remote workers.

3. Toloka (Ghana & Nigeria)

Payout: PayPal, Skrill
Earnings: ₦4,000–₦25,000 / GH₵50–₵300 monthly
Jobs Available:
✔️ Voice recordings
✔️ AI tagging
✔️ Short assessments

No experience needed. Get started today.

4. Oyapay App (Nigeria Only)

Payout: OPay wallet
Earnings: ₦1,000 – ₦5,000 weekly
Features:
✔️ Lucky spin & draw
✔️ Referral bonuses
✔️ Gaming tasks

Fast payout to your OPay wallet.

5. Kashgain (Nigeria Only)

Payout: OPay, PalmPay, Bank
Earnings: ₦3,000–₦20,000+ per week
What You Do:
✔️ Resell recharge cards
✔️ Earn from referrals
✔️ Use their API for your small biz

Perfect for digital vendors and entrepreneurs.

6. WowApp (Ghana & Nigeria)

Payout: Mobile money, PayPal
Earnings: Variable
How You Earn:
✔️ Chatting
✔️ Surfing the web
✔️ Watching ads

Earn small cash in the background while using your phone.

7. Givvy Games (Ghana & Nigeria)

Payout: PayPal, Coinbase (convert to MoMo or bank)
Earnings: ₦2,000 / GH₵40 per week
Activities:
✔️ Play trivia, puzzles, or mini-games
✔️ Earn coins and redeem as real money

Fun, addictive, and pays you to relax.

8. Opera News Hub (Nigeria Only)

Payout: Nigerian bank
Earnings: ₦10,000–₦100,000/month
What You Do:
✔️ Publish news articles
✔️ Get paid based on views
✔️ Join trending discussions

Top choice for writers and influencers.

9. Taptap Send Referral (Ghana & Nigeria)

Payout: Bank or mobile wallet
Earnings: ₦2,000 / GH₵30+ per referral
How It Works:
✔️ Share referral code
✔️ Earn when friends abroad send money home

No work needed, just share and earn.

10. Swagbucks (Ghana & Nigeria)

Payout: PayPal
Earnings: ₦1,000–₦5,000 / GH₵20–₵100 monthly
Earn by:
✔️ Watching ads
✔️ Taking surveys
✔️ Shopping online

One of the most popular reward platforms globally.

Bonus App for Ghana: MoKash (MTN Ghana)

Payout: MoMo account
Earnings: Cashback + credit score boost
Benefits:
✔️ Earn small cash for saving
✔️ Get loans as you save

Safe and tied directly to your MTN mobile money.

Tips to Earn More with These Apps

• Use 2–3 apps at the same time

• Focus on referral programs – some pay ₦2,000+ or GH₵30+ per friend

• Withdraw early and often

• Be consistent – daily use = daily earnings

FAQs About Earning With Free Apps in Ghana & Nigeria

Q1: Do these apps really pay?

Yes. All listed apps are tested by thousands of users in Ghana and Nigeria, with verified payouts.

Q2: Do I need to deposit money first?

No. These are 100% free to use. You don’t need to invest anything to start earning.

Q3: Can I earn with just my phone?

Yes! All apps are mobile-friendly and work on Android (some on iOS).

Q4: Which apps are best for Ghana?

• Premise

• Clickworker

• Toloka

• Swagbucks

• WowApp

• MoKash

Q5: Which are best for Nigeria?

• TaskNaija

• Kashgain

• Opera News Hub

• Oyapay

• Givvy Games

Final Words

You don’t need capital or special skills to make money online in Ghana or Nigeria in 2025.

Whether you’re using MTN MoMo in Ghana or OPay/PalmPay in Nigeria, these 10+ legit apps will help you earn real money daily—from home, school, or on the go.

👉 Start with 2 apps, stay consistent, and grow from there.