In 2025, you don’t need capital to start earning online. Whether you’re in Nigeria or Kenya, there are legit apps that pay real money without requiring any investment. These platforms pay for things like watching videos, answering surveys, referrals, reading news, or playing games—all from your smartphone!

Below is a carefully selected list of 10+ real money apps that work in Nigeria, Kenya, and other African countries, with payment options like OPay, PalmPay, M-Pesa, or bank transfer.

Top 10+ Legit Apps That Pay in Nigeria & Kenya Without Investment (2025)

1. TaskNaija (Nigeria Only)

Payout Method: Nigerian bank account, OPay, PalmPay
Earnings: ₦300 – ₦10,000/week
How You Earn:

• Read news

• Share posts

• Refer friends

• Complete tasks

Perfect for students and phone users looking for extra income daily.

2. Premise App (Nigeria & Kenya)

Payout Method: PayPal, Bitcoin, Airtime
Earnings: ₦2,000–₦10,000 / Ksh 500–2,500 per month
How You Earn:

• Take local photos

• Answer location-based surveys

• Complete on-ground tasks

Works globally and pays consistently without requiring deposits.

3. Oyapay App (Nigeria Only)

Payout Method: OPay Wallet
Earnings: ₦1,000 – ₦5,000/week
How You Earn:

• Play lucky spin games

• Refer friends

• Complete offers

100% free gaming app with direct payment to OPay.

4. Givvy Games (Nigeria & Kenya)

Payout Method: PayPal, Coinbase (convertible to Naira/Ksh)
Earnings: Up to ₦3,000 / Ksh 1,000 per week
How You Earn:

• Play mini puzzle or trivia games

• Refer new users

• Win challenges

Fun and engaging for those who love mobile games.

5. Kashgain App (Nigeria Only)

Payout Method: Bank account, OPay
Earnings: ₦5,000+ weekly
How You Earn:

• Print and sell airtime recharge cards

• Earn commissions per sale

• Use the app’s API for business

Ideal for small business owners and students with entrepreneurial drive.

6. Clickworker (Nigeria & Kenya)

Payout Method: Payoneer (linked to local bank)
Earnings: ₦4,000 – ₦30,000+ / Ksh 1,000 – Ksh 5,000+ monthly
How You Earn:

• Data entry

• Translation

• Writing tasks

• Online surveys

Freelancer-friendly with tasks you can complete from home.

7. Opera News Hub (Nigeria Only)

Payout Method: Bank account
Earnings: ₦10,000 – ₦200,000/month
How You Earn:

• Write articles

• Get paid based on views

• Join trending conversations

Perfect for aspiring bloggers and writers.

8. WowApp (Nigeria & Kenya)

Payout Method: Mobile money, bank, credit to charities
Earnings: Variable – based on your network
How You Earn:

• Chat

• Watch ads

• Refer users

• Complete offers

It’s like WhatsApp but with earnings!

9. Toloka App (Nigeria & Kenya)

Payout Method: PayPal, Payoneer
Earnings: ₦5,000–₦25,000 / Ksh 500–3,000 per month
How You Earn:

• Perform simple AI tasks

• Image tagging

• Voice recording

• Sentiment analysis

Very beginner-friendly with tasks that require no skill.

10. Taptap Send Referral (Nigeria & Kenya)

Payout Method: Bank transfer
Earnings: ₦2,000 / Ksh 1,500 per referral
How You Earn:

• Share your referral code

• Someone uses it to send money from abroad

• You both get paid!

Passive income with every successful invite.

11. Swagbucks (Kenya Only via PayPal)

Payout Method: PayPal (convert to M-Pesa via third-party)
Earnings: Ksh 1,000 – Ksh 5,000/month
How You Earn:

• Watch videos

• Play games

• Complete surveys

A favorite for casual earners in Kenya.

Tips to Earn More on These Apps

• Be consistent daily – small actions add up fast.

• Focus on referrals – many apps pay more for inviting friends.

• Join apps that suit your style – writers should use Opera Hub, gamers should use Givvy.

• Use multiple apps together – combine 3–5 apps for better results.

FAQs About Free Money Apps in Nigeria & Kenya

Q1: Do these apps really pay without investment?

Yes. All listed apps are free to join and start. No deposit or subscription is required.

Q2: What’s the best paying app for Nigeria?

Opera News Hub for writers and Kashgain for small resellers have the highest potential.

Q3: Which is best for Kenya?

Premise, Toloka, and Clickworker are the best for Kenyans in 2025.

Q4: Can I withdraw to OPay or PalmPay?

Yes. Apps like TaskNaija, Kashgain, Oyapay, and NairaRewards support OPay/PalmPay withdrawals.

Q5: Do I need BVN or KYC?

Only apps paying through bank accounts may require BVN or ID. Apps like Toloka, Premise, and Clickworker don't require Nigerian or Kenyan IDs.

Final Words

You don’t need capital to earn online. These 10+ legit free apps that pay real money in Nigeria and Kenya are working in 2025—no scam, no investment needed.

Start with 2–3 apps, stay consistent, and withdraw as you go.