Are you based in South Africa or Nigeria and searching for real apps that pay without investing a kobo or rand?

The truth is, in 2025, you don’t need capital to earn online. Whether you want to earn passively, play games, write content, or complete surveys—these legit apps pay real money straight into your Capitec, OPay, PalmPay, or local bank account.

Let’s dive into the top apps that work 100% free and are available to users in both South Africa 🇿🇦 and Nigeria 🇳🇬.

10+ Legit Apps That Pay South Africans & Nigerians in 2025

1. Premise App (Nigeria & South Africa)

Best For: Quick local tasks
Payout Method: Airtime, PayPal, Bitcoin
Earnings: ₦2,000–₦10,000 / R50–R300 weekly

• Take surveys, snap photos in your area, or answer polls.
• No ID or upfront payment needed.

💬 Used by thousands across Africa with instant microtasks.

2. Clickworker (Nigeria & South Africa)

Best For: Freelance writing & data jobs
Payout Method: Payoneer → Local bank or Capitec
Earnings: ₦5,000–₦30,000 / R200–R1,500 monthly

• Perform micro-jobs like data entry, surveys, text tagging, and translations.
• Perfect for remote workers, students, and digital freelancers.

3. Toloka (Nigeria & South Africa)

Best For: AI & data labeling tasks
Payout Method: PayPal, Skrill, bank
Earnings: ₦4,000–₦25,000 / R100–R600 monthly

• Tag images, record audio, and complete human-powered AI jobs.
• Tasks are beginner-friendly with flexible work hours.

4. Oyapay App (Nigeria Only)

Best For: Lucky spin games & referrals
Payout Method: OPay wallet
Earnings: ₦1,000–₦5,000 weekly

• Earn by playing spin games, referring friends, and completing daily tasks.
• Fast-growing app with instant withdrawal to OPay.

5. Kashgain App (Nigeria Only)

Best For: Recharge card reselling & passive income
Payout Method: Bank, OPay, PalmPay
Earnings: ₦3,000–₦15,000+ per week

• Sell airtime vouchers, earn from margins, or connect via API.
• Great for small business owners or student entrepreneurs.

6. WowApp (Nigeria & South Africa)

Best For: Chatting, surfing, and earning passively
Payout Method: Mobile money, PayPal
Earnings: Variable

• Earn by chatting, reading news, and completing mini-offers.
• Includes an option to donate part of earnings to charity.

7. Givvy Games (Nigeria & South Africa)

Best For: Playing casual games
Payout Method: PayPal, Coinbase
Earnings: ₦2,000–₦4,000 / R50–R200 weekly

• Play mini-games like puzzles, trivia, or card matches.
• Fun way to earn small cash during breaks or at night.

8. Opera News Hub (Nigeria Only)

Best For: Content creators
Payout Method: Bank transfer
Earnings: ₦10,000–₦100,000+ monthly

• Write trending stories and earn from the views.
• Viral content can get you big earnings fast.

9. Swagbucks (South Africa Only)

Best For: Watching videos & shopping rewards
Payout Method: PayPal
Earnings: R200–R1,000 per month

• Complete surveys, watch ads, shop online, and redeem gift cards.
• Top-rated worldwide platform now open in SA.

10. Taptap Send Referral Program (Nigeria & South Africa)

Best For: Referrals & passive earnings
Payout Method: Bank transfer
Earnings: ₦2,000 / R100 per invite

• Share your referral code, get paid when users abroad send money home.
• Simple & highly rewarding for large social media users.

Bonus App: Paybox (Nigeria Only)

Payout Method: Bank or OPay
How You Earn: Sign up, complete daily login tasks
Earnings: ₦100–₦2,000 weekly

Just by logging in and sharing content, you earn rewards.

Tips to Maximize Your Earnings

• Use at least 3 apps daily
• Focus on referrals and viral tasks
• Withdraw earnings as soon as they mature
• Share your experience to attract more signups

Frequently Asked Questions (FAQs)

Q1: Do these apps really work in Nigeria and South Africa?

Yes! All listed apps are tested and proven to work in both countries.

Q2: Which apps pay in Naira or Rand?

Apps like Kashgain, Oyapay, Opera News, and Taptap Send pay in Naira.
Swagbucks, Premise, Clickworker, and Toloka work for South African users in Rand or PayPal.

Q3: Do I need to deposit money to start?

No. All the apps here are 100% free to start. You only need a smartphone and data.

Q4: Can I withdraw earnings to my bank or wallet?

Yes! You can withdraw via:

• Bank account (Nigeria/South Africa)

• OPay, PalmPay (Nigeria)

• Capitec, FNB, Standard Bank (SA)

• PayPal or Payoneer for international payments

Final Words

Whether you’re in Lagos or Johannesburg, Benin or Cape Town, these apps offer free and legit opportunities to earn money online in 2025.

You don’t need a laptop. You don’t need capital. Just a phone, internet, and consistency.

👉 Start with 2–3 apps today and grow your earnings over time.