In 2025, making money in Kenya is no longer limited to traditional jobs. With just a smartphone and an internet connection, you can start earning from anywhere — whether you’re in Nairobi, Mombasa, Kisumu, or even a remote village. Money-making apps have opened up new income streams for Kenyans, from freelance work and surveys to online trading, gaming, and passive income.

If you’ve been looking for the best legit apps that can help you earn extra cash (or even a full-time income), this list of the Top 10 Money-Making Apps in Kenya for 2025 will guide you to the right opportunities.

1. Konnect

Best for: All-in-one income platform
Konnect is one of the fastest-growing income apps in Kenya, offering users multiple ways to earn. You can make money by completing tasks, playing games, inviting friends, selling airtime and data, and even trading gift cards. The app pays directly to M-Pesa, making it easy for Kenyans to cash out.

Key Features:

• Multiple earning options in one platform

• Direct M-Pesa withdrawals

• Referral bonuses for inviting friends

Why It’s Great:
Konnect is perfect for both beginners and experienced earners because it doesn’t require any technical skills to start.

2. Jumia One

Best for: Cashback and commissions
Jumia One allows you to make money through cashback rewards and commissions on services like airtime top-ups, bill payments, and online shopping. You can also earn by referring new users.

Key Features:

• Cashback for purchases and payments

• Referral bonuses

• Direct M-Pesa withdrawals

3. Swagbucks

Best for: Surveys and online tasks
Swagbucks pays you to answer surveys, watch videos, play games, and shop online. You earn points (SB) that can be redeemed for PayPal cash or gift cards.

Key Features:

• Variety of earning tasks

• Low payout threshold

• Internationally trusted platform

4. Upwork

Best for: Freelance work
If you have skills like writing, graphic design, programming, or marketing, Upwork connects you with clients worldwide. You get paid in USD, which you can withdraw to M-Pesa via PayPal.

Key Features:

• Global client base

• Payment protection

• High earning potential for skilled workers

5. Remotasks

Best for: Task-based online work
Remotasks pays users to perform small tasks like image annotation, data entry, and transcription. It’s beginner-friendly and pays in USD via PayPal.

Key Features:

• Easy to start

• Free training available

• Flexible work hours

6. Toluna Influencers

Best for: Paid opinion surveys
Toluna connects you with brands that want your opinion on products and services. You earn points for every survey you complete, which can be redeemed for cash or vouchers.

Key Features:

• Frequent survey availability

• M-Pesa and PayPal payment options

• User-friendly mobile app

7. Fiverr

Best for: Selling digital services
Fiverr lets you sell your skills starting from $5. Whether it’s voiceovers, social media management, or video editing, you can reach a global audience and get paid in USD.

Key Features:

• Low entry barrier

• Flexible pricing for services

• Direct payments to PayPal

8. Field Agent

Best for: Offline tasks and mystery shopping
Field Agent pays you to complete small assignments like checking product displays in stores, taking photos, or reviewing services.

Key Features:

• Pay per task

• Great for on-the-go earning

• Direct M-Pesa payouts

9. Honeygain

Best for: Passive income
Honeygain allows you to earn money by sharing your unused internet bandwidth. Once set up, it runs in the background without affecting your browsing speed.

Key Features:

• Fully passive

• Pays in USD via PayPal

• Works on Android, Windows, and Mac

10. Slidejoy

Best for: Lock screen ads
Slidejoy pays you for allowing ads to be shown on your phone’s lock screen. You earn passive income just by unlocking your phone as usual.

Key Features:

• Zero effort required

• Simple setup

• PayPal cash-out

Final Thoughts

These Top 10 Money-Making Apps in Kenya for 2025 prove that earning money online has never been easier. Whether you want an active side hustle like freelance work or a passive income option like Honeygain, there’s something here for you.

However, remember to:

• Choose legit apps with positive reviews

• Avoid apps that require large upfront payments

• Be consistent — online earning works best with effort

With the right app and dedication, your smartphone can become a steady source of income in 2025.