In today’s digital world, your smartphone is more than just a communication tool—it can also be a money-making machine. With the right apps, Nigerians can earn extra income or even turn online work into a full-time career. From online surveys to freelancing, affiliate marketing, and micro-tasks, there are apps designed to help you make money directly from your phone.

In this article, we’ve put together the top 10 money-making apps in Nigeria for 2025, and Konnect proudly takes the number one spot for its unique earning opportunities. These apps have been tested, are legit, and most importantly, require no large investments to get started.

1. Konnect – The All-in-One Earning Platform

If you’re looking for an app that allows you to make money easily in Nigeria with multiple earning options, Konnectshould be your first choice. This platform has gained massive attention in 2025 for its simplicity, reliability, and wide range of money-making opportunities.

How You Can Earn on Konnect:

• Completing micro-tasks (watching ads, sharing posts, filling forms)

• Referral bonuses for inviting friends

• Selling your skills or services through the app

• Participating in paid surveys and polls

• Cashback rewards for shopping through Konnect partners

Why Nigerians Love It:

• Fast and secure payments

• Low withdrawal limit

• Available nationwide

• Easy to use even for beginners

Payout Method: Bank transfer or wallet withdrawal
Average Earning Potential: ₦20,000 – ₦60,000 monthly (depending on effort)

2. Opay – Earn While You Spend

Opay isn’t just a payment app—it’s also a smart way to make extra income. With cashback programs, referral bonuses, and bill payment commissions, you can earn money simply by using the app for everyday transactions.

Ways to Earn:

• Invite friends to join Opay

• Get cashback on airtime, data, and bill payments

• Become an Opay merchant or agent

Payout Method: Direct bank transfer
Average Earning Potential: ₦10,000 – ₦40,000 monthly

3. PalmPay – Rewards for Daily Transactions

PalmPay is another fintech app that rewards users for transactions. You earn points that can be converted into cash or used for bill payments.

Ways to Earn:

• Daily check-in bonuses

• Referral rewards

• Transaction cashback

Payout Method: Bank transfer or bill payment
Average Earning Potential: ₦5,000 – ₦25,000 monthly

4. JumiaPay – Cashback and Affiliate Income

JumiaPay allows you to pay bills, buy airtime, and shop online while earning rewards. You can also join the Jumia affiliate program to earn commissions by promoting products.

Ways to Earn:

• Get cashback for purchases

• Earn affiliate commissions

• Refer friends and get bonuses

Payout Method: Bank transfer or voucher
Average Earning Potential: ₦8,000 – ₦30,000 monthly

5. Swagbucks – Earn from Surveys and Tasks

Swagbucks is a popular international app now available in Nigeria. You earn “SB points” that can be converted into cash via PayPal or gift cards.

Ways to Earn:

• Completing surveys

• Watching videos

• Shopping online through Swagbucks

Payout Method: PayPal or gift cards
Average Earning Potential: ₦5,000 – ₦20,000 monthly

6. PiggyVest – Save, Invest, and Earn

While PiggyVest is mainly a savings app, it also allows you to earn by referring new users and earning interest on your savings.

Ways to Earn:

• Earn up to 15% interest yearly

• Referral bonuses

• Invest in safe online opportunities

Payout Method: Bank transfer
Average Earning Potential: ₦5,000 – ₦15,000 monthly (plus interest)

7. TaskNaija – Get Paid for Simple Tasks

TaskNaija connects users with small online jobs such as social media engagement, surveys, and content creation.

Ways to Earn:

• Like and comment on posts

• Share promotional content

• Join paid online challenges

Payout Method: Bank transfer
Average Earning Potential: ₦5,000 – ₦25,000 monthly

8. Field Agent – Earn from Local Assignments

Field Agent pays you for simple offline tasks like taking photos of store displays or checking product prices.

Ways to Earn:

• Store audits

• Market research

• Mystery shopping

Payout Method: PayPal or bank transfer
Average Earning Potential: ₦4,000 – ₦20,000 monthly

9. Fiverr – Sell Your Skills Worldwide

If you have skills in writing, design, programming, or marketing, Fiverr is a great way to earn money from international clients.

Ways to Earn:

• Offer freelance services

• Create digital products

• Work with clients globally

Payout Method: PayPal or bank transfer
Average Earning Potential: ₦50,000 – ₦500,000 monthly (depending on skill)

10. Clickworker – Micro-Tasks for Extra Cash

Clickworker is an international platform that pays users for small online tasks such as writing, data entry, and research.

Ways to Earn:

• Data collection

• Translation work

• Content creation

Payout Method: PayPal
Average Earning Potential: ₦5,000 – ₦30,000 monthly

Final Thoughts

In 2025, making money online in Nigeria is easier than ever. Whether you want to do small side hustles or build a full-time income, there’s an app for you. Konnect stands out as the best because it combines multiple income streams into one platform, making it perfect for Nigerians who want to earn quickly and easily.

Pro Tip: Start with 2–3 apps, stay consistent, and reinvest part of your earnings to grow your online income.