10 Legit Money-Making Apps That Pay Real Money In Nigeria (2025)

With Nigeria’s growing digital economy, money-making apps are giving millions of Nigerians new ways to earn income using just their smartphones. Whether you're a student, stay-at-home parent, or 9–5 worker looking for extra cash, there are legit apps that pay real money in naira or dollars without requiring upfront investments.

In this guide, we’ll cover the top 10 trusted money-making apps in Nigeria for 2025 that pay via bank transfer, gift cards, or cryptocurrency.

Top 10 Legit Money-Making Apps in Nigeria (2025)

1. Swagbucks

Best for: Surveys, watching videos, completing offers

Swagbucks is one of the most legit GPT (Get-Paid-To) apps globally and is open to Nigerian users.

• How it works: Earn points (SB) by answering surveys, watching short clips, trying new apps.

• Earnings: 100 SB = $1

• Minimum withdrawal: $5 

✔️Tip: Use a VPN if surveys aren’t showing up.
✔️Available on: Android, iOS, Web

2. Field Agent Nigeria

Best for: Offline micro-tasks like price checks and store reviews

Field Agent lets you earn by completing small tasks in your area, like taking pictures of products, checking stock, or answering quick questions.

• Pay per task: ₦300 – ₦3,000

• Cashout method: Nigerian bank or PayPal

• Minimum payout: ₦2,000

✔️Available on: Android, iOS

3. Toloka

Best for: Microtasks and AI training jobs

Toloka by Yandex pays users to do simple online tasks like data labeling, image classification, or video tagging.

• Pay per task: $0.01 – $1+

• Payout method: Payoneer, Skrill

• Minimum withdrawal: $0.02

✔️Bonus: Earn more by enabling task filters and working consistently.
✔️Available on: Android, iOS

4. MoneyWell

Best for: Playing mobile games and earning money

MoneyWell lets you earn points just by playing sponsored games on your phone.

• Pay per play: Up to 2,000 points/hour

• Payout method: PayPal

• Minimum cashout: $0.50 (approx. ₦750)

✔️Available on: Android only

5. Pawns.app

Best for: Surveys and passive bandwidth sharing

With Pawns.app, you can earn by completing surveys or sharing internet bandwidth (optional).

• Surveys pay: $0.20 to $2+

• Withdrawal: PayPal or crypto

• Minimum payout: $5

✔️Available on: Android, iOS, Web

6. Honeygain

Best for: Passive earning via unused internet data

Honeygain pays you for sharing your internet connection securely with data scientists and companies.

• Earnings: $1 per 10GB shared

• Payout method: PayPal or Bitcoin

• Minimum withdrawal: $20

✔️Available on: Android, iOS, Windows

7. Freelance.ng

Best for: Freelancers in Nigeria looking for local gigs

Freelance.ng is a Nigerian freelancing platform where you can earn by offering services like writing, design, and tech support.

• Earnings: Set your own rates

• Payout: Directly to Nigerian bank

• Minimum withdrawal: ₦1,000

✔️Available on: Web and Android

8. Opay Referral Program

Best for: Referring new users to the Opay app

Opay rewards users for bringing in new customers via their referral program.

• Earnings: ₦50–₦100 per valid referral

• Payment: Direct to Opay wallet

• No minimum withdrawal

✔️Available on: Android, iOS

9. Surveytime

Best for: Quick surveys with instant PayPal payment

Surveytime is a global survey platform that pays $1 instantly after every completed survey.

• Payout: PayPal, Coinbase

• Minimum withdrawal: None

• Surveys: Available daily

✔️Instant payout!
✔️Available on: Mobile browser

10. Premise App

Best for: Location-based tasks and surveys

Premise pays Nigerians to take photos, do local surveys, and collect price data from shops.

• Pay per task: ₦100–₦1,500

• Payment method: PayPal or local bank

• Minimum withdrawal: ₦1,000

✔️Available on: Android, iOS

Tips to Maximize Earnings

1. Use multiple apps to increase income sources.

2. Be consistent—log in daily to grab available tasks or surveys.

3. Avoid scams—if an app asks for upfront payment, stay away.

4. Use Payoneer or crypto wallets if PayPal is not available in your region.

5. Take screenshots of completed tasks for proof and faster support resolution.

Frequently Asked Questions (FAQ)

Q: Are these apps legit in Nigeria?

Yes, all apps listed here are verified and tested by real users in Nigeria.

Q: Do I need to pay money to use them?

No. These are 100% free to join and start earning.

Q: How can I receive payment in Nigeria?

You can receive payments via PayPal, bank transfer, Payoneer, or crypto wallets like Binance or Trust Wallet.

Q: Can I make a full-time income?

These apps are great for side income, but you can scale with freelancing and referrals.

Final Thoughts

Making real money online in Nigeria is no longer a myth—you just need the right apps. Whether you're answering surveys, playing games, completing simple tasks, or referring others, there are legit money-making apps that pay directly into your Nigerian bank account or PayPal.

Pick 2–3 apps from this list, stay consistent, and you’ll start seeing real results. As long as you have a phone and internet connection, you’re already halfway there.