In today’s fast-paced digital world, making money online in Ghana is easier than ever. Thanks to mobile apps, you can now earn extra income directly from your smartphone. Whether you’re looking for part-time work, investment opportunities, or side hustles, there are apps in Ghana that can help you turn your time and skills into real cash.

Here’s a list of the top 10 money-making apps in Ghana for 2025 that are safe, reliable, and actually pay.

1. OPay Ghana

OPay is a fast-growing mobile payment and financial services app in Africa. In Ghana, you can use it to pay bills, transfer money, and also earn rewards. Many users make money through OPay by offering mobile money services to customers or participating in cashback offers.

Key Features:

• Mobile money services

• Bill payment and airtime top-up

• Cashback and referral bonuses

2. PiggyVest

PiggyVest is an online savings and investment platform that helps Ghanaians save money easily and earn interest. You can also invest in various opportunities directly from the app, making your money grow over time.

Key Features:

• High-interest savings

• Low-risk investment options

• Automated savings

3. Bolt Driver App

If you have a car and some spare time, you can make good money by driving for Bolt in Ghana. The app connects drivers to passengers and pays you after each completed trip.

Key Features:

• Flexible work schedule

• Weekly payouts

• Easy registration process

4. Fiverr

Fiverr is an international freelance platform where you can sell your skills to clients worldwide. From graphic design to writing, social media management, and programming, you can earn in USD and withdraw directly to your Ghanaian bank account.

Key Features:

• Global client base

• Multiple job categories

• Secure payments

5. Glovo Ghana

Glovo is a delivery service app that allows you to earn money by delivering food, groceries, and packages. As a Glovo courier, you can work on your own schedule and earn per delivery.

Key Features:

• Flexible hours

• Earnings per delivery

• Multiple delivery categories

6. Binance

Binance is one of the largest cryptocurrency trading platforms in the world. In Ghana, you can use it to trade crypto, stake coins, and earn through referral bonuses. With the rise of digital currency adoption, this is a great way to make money online.

Key Features:

• Crypto trading and staking

• P2P transactions in Ghanaian Cedi

• Referral commissions

7. PalmPay

PalmPay is a mobile payment app that rewards you for using its services. You can make money through cashback, referral bonuses, and by becoming a mobile money agent.

Key Features:

• Bill payments and airtime top-up

• Cashback offers

• Referral earnings

8. Toloka

Toloka is a micro-tasking platform where you can earn money by completing small online jobs such as surveys, categorizing images, and checking online content. It’s perfect for those who want to make money during their free time.

Key Features:

• Easy-to-do microtasks

• Payment in USD

• Work from anywhere

9. Jumia Affiliate Program

Jumia is a leading e-commerce platform in Africa, and its affiliate program allows you to earn money by promoting products. You get paid a commission for every sale made through your referral links.

Key Features:

• Multiple product categories

• High commission rates

• Easy tracking and payouts

10. Upwork

Upwork is a global freelance marketplace where Ghanaians can find clients from all over the world. From virtual assistance to web development, the earning potential is huge.

Key Features:

• Diverse job opportunities

• Long-term client relationships

• Secure payments

Final Thoughts

The best money-making apps in Ghana for 2025 make it easier than ever to earn from home or on the go. Whether you choose to freelance, trade cryptocurrency, deliver goods, or offer mobile money services, the possibilities are endless. The key is to stay consistent, learn the skills needed, and take advantage of the digital opportunities available.