In 2025, mobile apps have become one of the most convenient ways for Ghanaians to earn extra income. Whether you are a student, entrepreneur, or professional, your smartphone can be a powerful tool for generating revenue.
This guide explores the best apps available in Ghana for earning extra income, providing step-by-step strategies, app reviews, and practical tips to maximize earnings. These apps cover multiple income streams, including freelancing, surveys, e-commerce, trading, and content creation.
Why Mobile Apps Are Key to Earning Extra Income in Ghana
1. High Mobile Penetration
Ghana has widespread smartphone usage, which makes app-based income opportunities accessible to a majority of the population.
2. Convenience and Flexibility
Mobile apps allow users to work anytime, anywhere, turning spare time into profitable opportunities.
3. Integration With Mobile Money
With services like MTN Mobile Money, AirtelTigo Cash, and Vodafone Cash, app payments are fast, secure, and reliable.
4. Low Barrier to Entry
Most apps require minimal skills to start, making them ideal for beginners and students.
Categories of Apps for Earning Extra Income in Ghana
1. Freelancing Apps
Overview: These apps connect freelancers with clients for tasks ranging from writing to graphic design.
Top Apps in Ghana:
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Upwork – Offers jobs in writing, design, programming, and virtual assistance.
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Fiverr – Ideal for creative services like logos, voice-overs, and video editing.
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Freelancer – Provides a variety of freelance opportunities locally and internationally.
Tips for Success:
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Build a professional profile with samples
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Start with smaller gigs to build credibility
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Communicate promptly with clients
Potential Earnings: GHS 1,500 – 10,000+ per month
2. Survey and Microtask Apps
Overview: Earn money by completing surveys, testing apps, or performing small online tasks.
Recommended Apps:
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Toluna – Participate in surveys and earn points redeemable for cash.
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Swagbucks – Complete surveys, watch videos, and shop online for rewards.
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InboxDollars – Tasks include reading emails, watching videos, and completing surveys.
Advantages:
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No specialized skills required
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Can be done anywhere, anytime
Potential Earnings: GHS 200 – 1,500 per month
3. E-commerce and Marketplace Apps
Overview: Apps that allow users to sell goods, digital products, or services directly from their smartphones.
Top Apps in Ghana:
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Tonaton – Buy and sell items locally, from electronics to clothing.
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Jumia – Sell products online with nationwide reach.
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Etsy (digital products) – Sell handmade crafts, e-books, and digital artwork.
Tips for Success:
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Offer high-demand products
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Provide excellent customer service
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Use social media to promote your listings
Potential Earnings: GHS 1,000 – 15,000+ per month
4. Mobile Trading and Investment Apps
Overview: Use mobile apps to invest in forex, stocks, and cryptocurrencies.
Popular Apps in Ghana:
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Binance – Buy, sell, and trade cryptocurrencies securely.
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Binomo – Platform for forex and asset trading.
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MTN MM Investment Apps – Simplified investment opportunities via mobile money.
Tips for Success:
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Start with small capital to manage risk
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Use demo accounts to practice trading
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Continuously educate yourself on market trends
Potential Earnings: GHS 1,000 – 20,000+ per month
5. Content Creation and Social Media Apps
Overview: Smartphones can be used to create content for YouTube, TikTok, Instagram, and Facebook.
Income Streams:
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Ad revenue from YouTube
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Sponsored posts on Instagram or TikTok
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Affiliate marketing and product promotions
Tips for Success:
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Focus on a niche (e.g., lifestyle, tech, cooking)
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Post consistently with high-quality content
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Engage with followers to increase reach
Potential Earnings: GHS 1,500 – 20,000+ per month
6. Affiliate Marketing Apps
Overview: Promote products and earn commissions for every sale made through your referral link.
Top Apps for Ghana:
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Jumia Affiliate – Earn commissions promoting products sold on Jumia.
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Tonaton Affiliate – Promote listings for commission.
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Amazon Associates – Global affiliate platform for various products.
Tips for Success:
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Use WhatsApp, Instagram, or Facebook to share affiliate links
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Provide honest reviews to build trust
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Combine with content creation for higher conversions
Potential Earnings: GHS 500 – 5,000+ per month
7. Digital Learning and Skill-Based Apps
Overview: Learn and monetize new skills using mobile learning apps.
Recommended Apps:
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Udemy – Learn skills like coding, design, or marketing, then freelance.
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Coursera – Upskill and offer professional services.
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Khan Academy – Free learning for knowledge-based monetization.
Tips for Success:
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Focus on in-demand skills in Ghana
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Apply learned skills immediately to earn online
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Use mobile-friendly tools to practice
Potential Earnings: GHS 1,500 – 10,000+ per month
Summary Table: Top Apps for Earning Extra Income in Ghana 2025
| Category | Apps | Skills Required | Potential Earnings (GHS) |
|---|---|---|---|
| Freelancing | Upwork, Fiverr, Freelancer | Writing, design, admin | 1,500 – 10,000+ |
| Surveys & Microtasks | Toluna, Swagbucks, InboxDollars | Basic tasks | 200 – 1,500 |
| E-commerce | Tonaton, Jumia, Etsy | Selling, marketing | 1,000 – 15,000+ |
| Trading & Investment | Binance, Binomo, MTN MM | Trading, investment | 1,000 – 20,000+ |
| Content Creation | TikTok, YouTube, Instagram | Video editing, storytelling | 1,500 – 20,000+ |
| Affiliate Marketing | Jumia, Tonaton, Amazon | Marketing, social media | 500 – 5,000+ |
| Skill-based Learning | Udemy, Coursera | Learning new skills | 1,500 – 10,000+ |
Tips to Maximize Earnings Using Apps
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Choose the Right Apps: Focus on apps that match your skills and interests.
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Invest in a Reliable Smartphone: A mid-range or high-end phone ensures smooth performance.
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Use Mobile Money Efficiently: Securely receive payments via MTN MM, AirtelTigo, or Vodafone Cash.
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Diversify Your Income: Combine multiple apps to maximize earnings.
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Stay Consistent: Daily engagement builds reputation and increases income potential.
FAQs About Earning Extra Income Through Apps in Ghana
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Do I need a smartphone to earn using these apps?
Yes, a smartphone is required for all the apps listed. -
Can students use these apps?
Absolutely. Most apps are beginner-friendly and flexible for students. -
Are these apps safe in Ghana?
Yes, but always verify the app from official sources to avoid scams. -
Which app provides the fastest income?
Survey and microtask apps pay faster, though they earn less than freelancing or content creation. -
Do I need internet to earn?
Yes, all apps require reliable internet access. -
Is it possible to earn full-time?
Yes, freelancing, content creation, and trading can generate full-time income. -
How can I get paid securely?
Use mobile money or verified digital payment platforms. -
Do these apps require special skills?
Some require skills (freelancing, content creation), while microtask apps need minimal skills. -
Can I earn in foreign currency?
Yes, apps like Fiverr, Upwork, and Binance allow earnings in USD or other currencies. -
Should I focus on one app or multiple apps?
Combining multiple apps reduces risk and increases overall income potential.
Conclusion
The best apps for Ghanaians to earn extra income in 2025 provide diverse opportunities—from freelancing and surveys to trading and content creation.
Success requires choosing apps aligned with your skills, staying consistent, learning new techniques, and efficiently using mobile money for payments. By leveraging the right apps, Ghanaians can generate substantial additional income directly from their smartphones.