Are you looking for the best apps to make money online in Nigeria in 2025? You’re not alone. With unemployment and inflation still on the rise, thousands of Nigerians are now turning to their smartphones to earn income from the comfort of home.
Whether you’re a student, stay-at-home parent, or someone trying to build a side hustle, there are real apps that pay you for your time, skills, and attention—with no need for capital or office work.
In this guide, we’ll show you the top apps to make money online in Nigeria, what they do, how to use them, and how to get paid directly to your bank account.
Why Nigerians Are Making Money Online in 2025
With mobile phones in almost every home and internet access becoming more affordable, Nigerians are discovering new digital opportunities daily. Here’s why online money-making apps are popular now more than ever:
No office needed — earn from your bed or while on the go
Low or no investment — start with your phone and time
Fast payments — most apps support bank or wallet withdrawals
Flexible work options — full-time, part-time, or passive income
Now let’s dive into the best apps that are helping Nigerians make money online in 2025.
Best Apps to Make Money Online in Nigeria (2025 Edition)
1. WritersGig – Earn from Writing in Nigeria
WritersGig is a Nigerian freelance platform where you can get paid to write content like blog posts, website content, and product descriptions.
How to Use:
Create a profile and list your writing services
Get jobs from Nigerian clients
Submit and get paid in naira
Payment Method:
Direct to Nigerian bank account
2. Campus Cybercafe – Make Money Selling Airtime and Data
Campus Cybercafe allows you to convert excess airtime to cash and earn commissions by selling data, airtime, and cable subscriptions.
How It Works:
Register, fund your wallet, and sell to customers
Offer VTU services from your phone
Earnings:
Profit per transaction, withdrawals are instant to your bank account
3. Opay – Earn Through Referrals and Cashback
Opay is more than a mobile wallet. It offers users rewards for referring friends, completing payments, and using their services regularly.
How to Earn:
Refer friends and get bonuses
Use Opay for bills, airtime, and cashback rewards
Payout:
Funds go directly into your Opay balance or linked bank
4. Givvy – Spin and Win Real Money
Givvy lets you earn money by spinning a virtual wheel, completing offers, or referring users. No deposit is needed to start.
How It Works:
Spin daily and earn coins
Redeem coins for airtime or PayPal cash
Payment:
Nigerian users can convert via PayPal or use exchangers to bank
5. Tuteria – Make Money Teaching Skills
Tuteria is a Nigerian tutoring platform where you get paid to teach skills like maths, English, baking, sewing, coding, etc.
How to Earn:
Sign up and list the subjects/skills you can teach
Get connected to students online or in person
Payment:
Tuteria pays directly to your Nigerian bank after each lesson
6. Premise – Get Paid for Small Tasks
Premise pays users to complete simple tasks such as taking photos of places, answering surveys, or verifying locations.
Tasks You’ll Do:
Take a photo of a shop
Answer short surveys
Report price updates
Payout:
Earn in USD and withdraw via PayPal or local agents in naira
7. PiggyVest – Save and Earn Interest
Though mainly a savings app, PiggyVest allows you to earn interest on your savings and invest in real opportunities for passive income.
How to Make Money:
Save money and earn up to 13% interest
Invest in pre-vetted plans for higher returns
Withdrawal:
Direct to your Nigerian bank account
8. Affiliate Apps (Selly, Expertnaire, Stakecut)
Affiliate marketing is one of the easiest ways to earn passive income in Nigeria. Apps like Selly and Expertnaire pay you to promote digital products.
How It Works:
Register and pick a product to promote
Share your affiliate link on WhatsApp or Facebook
Earn commissions when someone buys through your link
Payment:
Weekly withdrawals to Nigerian banks
9. Chipper Cash – Earn via Free Transfers and Referrals
Chipper Cash lets you send and receive money for free, but you can also earn by referring others or trading USD wallet funds.
How to Earn:
Invite new users and get bonuses
Use the app for small crypto trades and save on fees
Payment:
Withdraw funds to your Nigerian account
10. YouTube – Make Money from Content
With a smartphone and a little creativity, Nigerians are making real money from YouTube content in Pidgin, English, and local languages.
How to Start:
Open a YouTube channel
Upload consistent and valuable videos
Get monetized and earn from views and ads
Payout:
Via domiciliary account or Payoneer, then to bank
Bonus: Other Money-Making Apps Worth Trying
WowApp – Earn from chatting, reading news, and daily activities
Remotasks – Make money labeling data and images
Clickworker – Perform small jobs and earn per task
Selar – Sell your digital products or ebooks easily
Tips to Maximize Earnings from Online Money-Making Apps
To grow your income online in 2025, follow these smart tips:
Combine multiple apps – Don’t depend on one stream
Be consistent daily – 15–30 minutes can add up
Leverage referrals – Most apps pay for inviting friends
Promote your services – Use WhatsApp status, TikTok, and Facebook
Avoid scams – Stick to tested apps; don’t pay to get paid
Frequently Asked Questions (FAQs)
Which app pays the most in Nigeria?
Apps like WritersGig, Selly (affiliate), and Tuteria offer high-earning potential based on your effort and skill.
Do I need a laptop to make money online?
Not at all. Most of these apps work perfectly on Android or iPhone.
Can I get paid directly to my Nigerian bank?
Yes, almost all listed apps support bank transfers or use local wallets like Opay and PiggyVest.
How much can I earn monthly?
Your income depends on the apps and how active you are. Users earn from ₦10,000 to over ₦200,000 monthly.
Final Thoughts: How to Make Money Online in Nigeria (2025)
In 2025, your smartphone is more than just a communication tool—it’s a money-making machine. With legit apps to make money online in Nigeria like WritersGig, Opay, PiggyVest, and Tuteria, you don’t need a big office or startup capital to earn.
Just pick a few from this list, stay consistent, and watch your bank account grow. Making money online is now possible for everyone—students, mums, hustlers, and jobseekers.