Looking for apps that pay in Naira directly to your bank or wallet in 2025? You're in the right place. Whether you're a student, side hustler, or job seeker, many Nigerians now earn real money from their smartphones using apps that reward them in local currency.
No need for dollars, crypto, or complicated conversions—these apps pay in Naira, instantly or weekly, and require no investment to start.
Below is a list of 10 legit Nigeria-based apps that pay in Naira, perfect for users who want to earn from tasks, games, referrals, or surveys.
Summary: Best Apps That Pay in Naira (2025)
| App Name | How You Earn | Payout Method |
|---|---|---|
| Opay | Bill payments, referrals | Naira to bank wallet |
| PalmPay | Airtime, transfers, tasks | Naira wallet |
| Premise | Tasks, surveys, photos | Direct bank / airtime |
| CashEmpire | Mini games, offers, referrals | Naira wallet |
| JumiaPay | Online payments & cashback | Wallet / vouchers |
| Givvy Nigeria | Play & earn coins | Airtime / bank (via vendor) |
| GeoPoll | SMS surveys & polls | Airtime (Naira value) |
| GSpin | Daily spins, lucky draws | Naira top-up |
| Rewata | Upload receipts, shopping tasks | Bank transfer |
| FairMoney | Recharge, referrals | Naira balance |
1. Opay – Earn from Everyday Transactions
Opay is more than a mobile wallet. It pays you for using the app to recharge airtime, pay bills, and refer friends.
How You Earn:
5–6% cashback on airtime
Referral rewards for inviting others
Bill payment discounts
Payout:
Naira credited to your Opay wallet—transferable to your bank account.
2. PalmPay – Cashback and Daily Rewards in Naira
PalmPay is another Nigeria-based fintech app that rewards users with “PalmPoints” that are convertible to cash or airtime.
How You Earn:
Recharge airtime, pay bills
Daily login bonuses
Invite friends for bonuses
Payout:
Instantly to your PalmPay wallet in Naira.
3. Premise – Micro Tasks that Pay You in Naira
Premise pays users for completing short tasks like taking photos, answering surveys, or checking prices in local stores.
How You Earn:
Location-based tasks
Short surveys and polls
App-only missions
Payout:
Withdraw earnings to Nigerian bank accounts or airtime.
4. CashEmpire – Play & Earn from Games
CashEmpire is a Nigerian gaming app that rewards users with Naira for playing mini games and completing simple offers.
How You Earn:
Play puzzle or quiz games
Complete offers
Refer friends for extra points
Payout:
Naira wallet with local withdrawal options.
5. JumiaPay – Earn While Shopping or Paying Bills
JumiaPay rewards you in vouchers or wallet credit when you shop or pay for services like DSTV or electricity.
How You Earn:
Airtime/data purchases
Utility payments
Food orders through Jumia Food
Payout:
In-app Jumia wallet with Naira-equivalent value.
6. Givvy Nigeria – Simple Tasks for Cash or Airtime
Givvy runs local versions that pay Nigerians through coins which can be converted to cash.
How You Earn:
Play games
Watch short ads
Complete daily tasks
Payout:
Via airtime top-up or local exchange partners in Naira.
7. GeoPoll – Answer Polls and Earn Airtime
GeoPoll pays Nigerians for completing SMS or app-based surveys, mostly sponsored by research firms and NGOs.
How You Earn:
Answer 1–5 minute polls
Participate in phone or SMS surveys
Payout:
Airtime directly to MTN, Airtel, Glo, or 9mobile—valued in Naira.
8. GSpin Nigeria – Spin the Wheel and Win
GSpin is a free-to-use spin and win app that gives Nigerians the chance to earn small daily Naira prizes.
How You Earn:
Spin the wheel
Watch ads for bonus spins
Refer friends for more chances
Payout:
Airtime or Naira credited directly to your phone.
9. Rewata – Upload Receipts and Earn Cash
Rewata pays you in Naira for uploading valid purchase receipts from partner stores and supermarkets.
How You Earn:
Snap receipts from eligible stores
Complete bonus shopping tasks
Payout:
Bank transfer in Naira once minimum balance is reached.
10. FairMoney – Recharge and Get Rewards
FairMoney is a digital finance app that rewards users when they buy airtime, pay bills, or refer friends.
How You Earn:
Cashback on mobile recharges
Referral commissions
Loan repayment bonuses
Payout:
Credited to your FairMoney balance in Naira—usable for bills or transfers.
💡 Pro Tips to Maximize Your Naira Earnings
Use multiple apps: Don’t limit yourself to one source. Stack rewards across platforms.
Refer others: Many of these apps offer ₦500–₦1,000 per successful referral.
Spin or log in daily: Boost bonuses and unlock streak-based rewards.
Watch for promos: Public holidays and weekends usually bring extra offers.
Cash out early: Always withdraw once you hit the minimum to avoid inactive account resets.
FAQs: Apps That Pay in Naira
Which app pays directly to Nigerian bank accounts?
Apps like Premise, Opay, Rewata, and CashEmpire allow Naira bank transfers.
Are these apps free to use?
Yes. All listed apps are free and require no payment to start earning.
Can I earn ₦10,000 or more monthly?
Yes. Active users combining 2–4 apps can earn between ₦10,000 and ₦30,000 monthly.
Is it safe to use my bank details on these apps?
Stick with verified apps from Google Play Store and never share OTPs or BVNs.
Final Thoughts: Start Earning in Naira with Your Phone
In 2025, you don’t need to look abroad to earn extra income. With legit apps that pay in Naira like Opay, PalmPay, Premise, and CashEmpire, Nigerians can now earn money directly into their wallets or bank accounts.
Whether you want to play games, answer surveys, refer friends, or shop online, there’s a local platform that rewards your time.
Start today. No investment. Just your smartphone and a few minutes daily.