Best Free Money Making Apps in Nigeria That Really Pay (2025)

If you are looking for the best free money making apps in Nigeria that really pay (2025), you are not alone. Thousands of Nigerians want to earn extra income legitimately, and mobile apps are among the easiest ways to start.

This comprehensive guide reveals the top free apps that pay directly to your Nigerian bank account or wallet, how they work, what to expect, and pro tips for maximizing your earnings.

Whether you are a student, stay-at-home parent, or full-time worker looking for a side hustle, this article will help you choose the right app for your goals.

Why Use Free Money Making Apps in Nigeria?

Money making apps are popular because they:

• Do not require large capital to start.

• Are free to download and use.

• Pay real money when you complete simple tasks.

• Let you work anywhere, anytime — with just your smartphone and internet.

But not all apps are genuine. Many promise a lot and deliver nothing. This article focuses only on trusted apps that have been tested and actually pay Nigerians in 2025.

How to Spot Legit Money Making Apps in Nigeria

Before we dive into the list, here are some quick checks to ensure you don’t waste time on fake or scam apps:

• Confirm it is available on Google Play Store or Apple App Store.

• Read user reviews and ratings.

• Check if they offer clear payout methods (bank transfer, PayPal, or wallet).

• Avoid apps that demand upfront payments.

Best Free Money Making Apps in Nigeria That Really Pay (2025)

Below is the list of tested and trusted apps Nigerians use to earn money. Each has been reviewed for ease of use, payment reliability, and earning potential.

1. Naira Rewards

What is it?
Naira Rewards is a free app that pays you to complete small tasks like surveys, app installs, watching videos, and referrals.

How it works:

• Download the app and register.

• Earn points for each task.

• Convert points to cash and withdraw directly to your Nigerian bank account.

Payout threshold: ₦1,000
Payment method: Bank transfer
Best for: Beginners who want easy tasks.

2. Konnect NG

What is it?
konnect NG allows you to earn money by writing and publishing short and long articles.

How it works:

• Sign up on konnect NG.

• Write original news, stories, or opinion pieces.

• Earn per view and engagement.

Payout threshold: ₦5,000
Payment method: Bank transfer
Best for: People who enjoy writing.

3. PalmPay

What is it?
PalmPay is primarily a payment app, but it also offers cash rewards for referrals and transactions.

How it works:

• Download and register.

• Refer friends or use promotions to earn bonuses.

• Withdraw directly.

Payout threshold: No minimum for referrals.
Payment method: Bank transfer.
Best for: Those who make frequent payments.

4. Branch

What is it?
Branch is a loan app that also pays users through its referral program.

How it works:

• Install the app and sign up.

• Share your referral link.

• Earn when your friend takes a loan.

Payout threshold: None
Payment method: Bank account
Best for: People with strong networks.

5. Toluna Influencers

What is it?
Toluna pays you for participating in surveys.

How it works:

• Register on their website or app.

• Complete surveys and earn points.

• Redeem points for cash or gift cards.

Payout threshold: Varies (usually about ₦2,500)
Payment method: PayPal or vouchers
Best for: People with free time and opinions to share.

6. Sweatcoin

What is it?
Sweatcoin pays you to walk. Every step you take earns you sweatcoins, which you can exchange for rewards.

How it works:

• Install and keep it running while you move.

• Collect coins.

• Redeem for vouchers, gadgets, or sometimes cash.

Payout threshold: Depends on offer chosen
Payment method: Gift cards or PayPal (via offers)
Best for: Fitness lovers.

7. Scooper News

What is it?
Like Konnect NG, Scooper pays you to write stories, news, or articles.

How it works:

• Join as a contributor.

• Publish content and earn per view.

Payout threshold: ₦5,000
Payment method: Bank transfer
Best for: Writers and bloggers.

8. Fiverr

What is it?
Fiverr is a freelancing app where you offer skills like writing, design, voice-over, etc., and earn in dollars.

How it works:

• Create a profile and list your service.

• Get hired by clients worldwide.

• Get paid in USD, then withdraw.

Payout threshold: $5
Payment method: Payoneer, PayPal, or bank
Best for: Skilled freelancers.

9. Upwork

What is it?
Another freelance platform where you bid for jobs and earn.

How it works:

• Sign up, create a profile.

• Apply for jobs.

• Get paid for projects.

Payout threshold: $10
Payment method: Payoneer, PayPal, or bank
Best for: Skilled professionals.

10. Honeygain

What is it?
Honeygain pays you for sharing your unused internet bandwidth.

How it works:

• Install and let it run in the background.

• Earn credits as your bandwidth is used.

• Redeem credits for cash.

Payout threshold: $20
Payment method: PayPal or Bitcoin
Best for: Passive income seekers.

Summary Table: Best Free Money Making Apps in Nigeria That Really Pay (2025)

How to Choose the Best Money Making Apps in Nigeria

When selecting a money making app in Nigeria, consider the following:

• Your skills: If you can write, try Konnect NG or Scooper.

• Your time: For quick tasks, Naira Rewards or PalmPay is ideal.

• Your patience: Apps like Honeygain take time but require no effort.

• Your resources: Fiverr and Upwork are good if you have in-demand skills.

Tips to Earn More With Money Making Apps in Nigeria

• Focus on one or two apps you can commit to.

• Set daily or weekly goals.

• Refer friends when possible.

• Watch out for promotional bonuses.

• Stay consistent — small earnings add up over time.

Common Questions About Money Making Apps in Nigeria

Do these apps really pay?

Yes. All apps listed here have been tested and confirmed to pay users in Nigeria.

Are these apps free to use?

Yes. All are free to download and use. Some offer premium options, but you don’t need them to earn.

How do I withdraw my earnings?

Most apps let you withdraw to your Nigerian bank account, PayPal, or via gift cards.

How much can I earn monthly?

Earnings vary depending on effort, app type, and consistency. Many users earn between ₦5,000–₦100,000 monthly.

Can I use more than one app?

Absolutely. Using 2–3 apps at the same time can help you maximize your earnings.

Final Thoughts on Best Free Money Making Apps in Nigeria That Really Pay (2025)

There are many opportunities to make extra income with your smartphone in Nigeria. The apps highlighted in this article are proven ways to earn money online without investment.

Start today by choosing one or two that suit your skills and schedule. Stay consistent, and you’ll see real results over time.