Are you looking for real apps that pay you directly into your Nigerian bank account—with no upfront investment? In this 2025 guide, we reveal 11 legit money-making apps that are free to use, pay instantly or weekly, and require little more than your smartphone and time.
These apps reward you for doing simple tasks like posting content, referring friends, completing surveys, freelancing, and more. And yes, they’re available in Nigeria.
Top 11 Real Money-Making Apps in Nigeria (2025)
|
App Name |
How You Earn |
Investment Required |
Payout Method |
|
Konnect |
Post content, comment, refer users |
❌ No |
Bank Transfer, Wallet |
|
Givvy App |
Complete surveys, refer friends |
❌ No |
PayPal, Coinbase |
|
OwoDaily |
Social tasks, offers, referrals |
❌ No |
Nigerian Bank Transfer |
|
Toloka |
Perform microtasks online |
❌ No |
Payoneer, Skrill |
|
Field Agent |
Real-world tasks (like taking photos) |
❌ No |
Bank or Mobile Money |
|
Swagbucks |
Surveys, watch videos, offers |
❌ No |
PayPal |
|
CashLion |
Post, share, and complete offers |
❌ No |
Bank Transfer |
|
Freelancer |
Sell skills (writing, design, coding) |
❌ No |
Bank, Payoneer, PayPal |
|
PalmPay Tasks |
Complete daily tasks, referrals |
❌ No |
PalmPay Wallet |
|
Opay Referral |
Refer users to earn bonuses |
❌ No |
OPay Wallet |
|
Scooper News |
Read/share articles, invite friends |
❌ No |
Bank Transfer |
1. Konnect by Lucretia Technologies Ltd
Best for: Posting content, blogging, commenting, and social engagement
Konnect is Nigeria’s leading social forum and content platform where users earn rewards for sharing posts, commenting, and engaging with the community. It’s completely free to join and users can cash out once they meet the minimum threshold.
Why it stands out:
- No investment or subscription required
- Easy-to-use blog and forum format
- Real-time wallet and bank payouts
- Fast-growing user base in Nigeria
2. Givvy App
Best for: Paid surveys, simple games, referrals
Givvy pays users for answering short surveys, watching videos, and inviting friends. While it doesn’t pay huge amounts, you can cash out fast with small earnings.
Payouts: PayPal and crypto wallets like Coinbase.
3. OwoDaily
Best for: Social and marketing tasks
On OwoDaily, you earn by completing promotional tasks like commenting on social media, downloading apps, or referring people. It’s popular among Nigerian students and influencers.
Withdrawal: Direct to Nigerian bank accounts.
4. Toloka
Best for: Microtasks like labeling images, surveys
Toloka is a Yandex-backed platform where users earn by completing small online jobs. No technical skills needed.
Pays via: Payoneer or Skrill.
5. Field Agent
Best for: Simple outdoor missions
With Field Agent, users earn by doing location-based tasks like visiting shops or taking photos of products. It’s great for people in urban areas like Lagos or Abuja.
6. Swagbucks
Best for: Online tasks, watching ads, shopping cashback
Swagbucks lets you earn SB points which are convertible into cash or gift cards. It’s available globally and accessible to Nigerian users via VPN or global offers.
7. CashLion
Best for: Content posting and social sharing
This Nigerian app rewards users for creating and sharing content. Similar to Konnect, it mixes entertainment with earnings.
8. Freelancer
Best for: Selling your services
Freelancer.com lets Nigerians apply for global freelance gigs. Writers, graphic designers, virtual assistants, and coders find this platform lucrative.
9. PalmPay Tasks
Best for: Task completion, using the PalmPay app
PalmPay offers bonuses for completing daily tasks, referring users, and using the app to pay bills.
10. Opay Referral Bonus
Best for: Referrals and app usage
Earn ₦1,000+ per referral when you invite new users to sign up and transact on OPay. The bonus is credited to your wallet instantly after criteria are met.
11. Scooper News App
Best for: Reading and sharing news articles
Scooper pays users for consuming content and referring others. It works well when you’re consistent.
Frequently Asked Questions
Q1: Which app pays the fastest in Nigeria?
Konnect, OwoDaily, and Opay offer near-instant payouts into Nigerian bank accounts or wallets.
Q2: Do I need to pay to start?
No. All listed apps require zero investment. You can join and start earning for free.
Q3: Can I use more than one app at once?
Yes. Using multiple apps increases your earnings and diversifies your income sources.
Q4: Is Konnect safe and legit?
Yes. Konnect is backed by Lucretia Technologies Ltd and has proven payment records in 2024 and 2025.
Q5: What’s the minimum cash-out on Konnect?
The withdrawal threshold is typically low, around $5, depending on activity.
Final Thoughts
With mobile data and a smartphone, you can start making money online in Nigeria without investing a kobo. Konnect, at the top of this list, offers a truly Nigerian solution—allowing you to earn by simply engaging online.
Whether you want to post content, take surveys, or refer friends, these apps let you earn flexibly and get paid directly into your bank account. Start with 2–3 apps and stay consistent. Your smartphone can be your wallet in 2025!
