In 2025, the Nigerian digital economy continues to grow, opening doors for smartphone users to earn real money online—without investing any money upfront. Whether you're a student, job seeker, or side hustler, you can make daily or weekly income with legit apps that pay directly to your bank account, PayPal, or wallet.
This article reveals 10 proven and legit money-making apps in Nigeria that are absolutely free to join, requiring zero investment to start earning.
Top 10 Legit Money-Making Apps in Nigeria (2025) Without Investment
1. Scooper News App
-
How You Earn:
Read news articles, share content, refer friends, and complete reading challenges. -
Payment Method:
Bank Transfer or Recharge card credit -
Why It's Legit:
Scooper is backed by Transsion (makers of Tecno, Infinix).
2. Opay (Owealth)
-
How You Earn:
Save money and earn daily interest or refer friends to the app. -
Payment Method:
Direct bank withdrawal -
Why It's Legit:
Regulated by the CBN, widely used across Nigeria.
Bonus Tip: Use “Owealth” or “Tasks” inside the app to earn passively.
3. JumiaPay
-
How You Earn:
Refer friends, pay bills, or shop online to earn cashback and rewards. -
Payment Method:
Wallet credit usable for airtime or bills -
Why It's Legit:
Powered by Jumia Group, a trusted e-commerce brand in Africa.
4. PalmPay
-
How You Earn:
Complete simple tasks (login daily, spin-to-win), and refer others. -
Payment Method:
Wallet or direct bank transfer -
Why It's Legit:
Licensed by the CBN and used by millions of Nigerians.
5. Toloka App
-
How You Earn:
Complete microtasks like verifying businesses, checking images, or reviewing content. -
Payment Method:
Payoneer or Skrill -
Why It's Legit:
Backed by Yandex, a global tech giant.
6. NairaRewards
-
How You Earn:
Complete surveys, daily tasks, spin wheels, and play games. -
Payment Method:
Direct bank deposit -
Why It's Legit:
Nigerian-owned and growing with positive user feedback.
7. Swagbucks Live (via VPN)
-
How You Earn:
Answer trivia questions and win points that can be converted to cash. -
Payment Method:
PayPal (with VPN access) -
Why It's Legit:
Operates globally; payments are verified.
8. ClipClaps
-
How You Earn:
Watch funny videos, play games, spin lucky wheels. -
Payment Method:
PayPal -
Why It's Legit:
Over 10 million downloads with payment proof online.
9. Premise App
-
How You Earn:
Take pictures of food, shops, or complete location-based surveys. -
Payment Method:
PayPal or Mobile Money -
Why It's Legit:
Active in over 100 countries, including Nigeria.
10. Givvy App
-
How You Earn:
Play quizzes, games, and participate in daily rewards. -
Payment Method:
PayPal or Airtime -
Why It's Legit:
Available on Google Play, with over 5 million downloads.
Summary Table – Top Money-Making Apps Without Investment
| App Name | Tasks You Perform | Payout Method | Investment Needed |
|---|---|---|---|
| Scooper | Read & share news | Bank/Airtime | ❌ No |
| Opay | Save & refer | Bank | ❌ No |
| JumiaPay | Refer & pay bills | Wallet cashback | ❌ No |
| PalmPay | Spin, refer, and pay bills | Wallet/Bank | ❌ No |
| Toloka | Microtasks (image, survey, etc.) | Skrill/Payoneer | ❌ No |
| NairaRewards | Surveys, games, & referrals | Bank | ❌ No |
| Swagbucks Live | Trivia game | PayPal | ❌ No (VPN needed) |
| ClipClaps | Watch videos, games | PayPal | ❌ No |
| Premise | Photos & location tasks | PayPal | ❌ No |
| Givvy | Quizzes & games | PayPal/Airtime | ❌ No |
How to Maximize Earnings Without Investment
-
Use Multiple Apps Together
Combine 3–4 of the listed apps for daily earnings. -
Be Consistent Daily
Tasks may seem small, but they add up with consistency. -
Use Referral Links
Referring friends is often the fastest way to boost your balance. -
Set Realistic Goals
Don’t expect ₦100,000 overnight. Start small and scale up. -
Withdraw Early
Don’t wait till your balance is too high—withdraw frequently to avoid loss due to app updates or policy changes.
Warning Signs of Scam Apps to Avoid
-
Apps that require an activation or joining fee
-
Platforms with no clear company address or contact
-
Promises of “doubling your money” or “₦50K per day easily”
-
Lack of presence on Google Play Store or App Store
-
No verified payment proof from real users
Frequently Asked Questions (FAQs)
❓Can I earn real money without paying anything?
Yes! All the apps listed above allow you to earn without any upfront investment or subscription.
❓How much can I earn daily using these apps?
Between ₦300 to ₦5,000 depending on your activity level and referral strength.
❓Is it safe to link my bank account to these apps?
Apps like Opay, PalmPay, and JumiaPay are CBN-licensed and safe. Use caution with lesser-known apps.
❓Can students use these apps?
Yes! These apps are perfect for students and stay-at-home individuals who want to earn extra income.
❓Do these apps work on iPhones?
Most are Android-focused, but some (like Opay and JumiaPay) have iOS versions too.
Final Thoughts
Making money online in Nigeria in 2025 is no longer a dream—it’s a reality. With the right apps, mindset, and consistency, you can start earning without paying a kobo.
Try one or more of these 10 legit money-making apps and start turning your phone into a source of real income—no scams, no investment, just smart hustle.
