Top 10 Real Money-Making Apps In Nigeria (2025): Earn Daily Income & Withdraw Directly To Your Bank Account

Are you searching for legit money-making apps in Nigeria that actually pay you real cash? Whether you’re a student, job seeker, or just want a side hustle from your smartphone, this list is your golden ticket. In 2025, many Nigerians are turning to mobile apps that let them earn daily income and withdraw directly to their bank accounts.

Below are the top 10 real money-making apps in Nigeria, tested and trusted.

1. Opay App

Opay is not just a mobile bank—it also rewards you for referrals and transactions. You earn money when friends sign up with your referral link or when you use the app for airtime/data, utility payments, or savings.

• Features: Instant cashback, savings interest, referral bonuses

• Payment Method: Direct bank transfer

• Minimum Withdrawal: ₦100

Best For: Passive income through everyday financial transactions

2. Mistplay

Mistplay is a top app where users earn money just by playing mobile games. The more time you spend gaming, the more points you collect, which can be redeemed for real-world rewards.

• Features: Game rewards, loyalty bonuses, gift cards

• Payment Method: Gift cards (can be sold for cash) or PayPal

• Minimum Withdrawal: Depends on gift card type

Best For: Gamers who want to earn while relaxing

3. Swagbucks

Swagbucks is one of the most popular global reward apps that works in Nigeria. You earn “SB points” for completing surveys, watching videos, and shopping online, which you can convert to cash or gift cards.

• Features: Surveys, cashback shopping, videos, offers

• Payment Method: PayPal (you can convert to naira via Chipper Cash, etc.)

• Minimum Withdrawal: $5 (approx. ₦6,000)

Best For: Students and freelancers with spare time

4. PalmPay

PalmPay lets you earn money through cashback offers and a solid referral program. With every transaction—whether bill payments or airtime—you earn rewards that you can transfer to your wallet.

• Features: Rewards, airtime cashback, referrals

• Payment Method: Bank withdrawal or wallet

• Minimum Withdrawal: ₦100

Best For: Smart spenders and frequent app users

5. PiggyVest

PiggyVest is primarily a savings and investment platform, but you can earn real money through referral bonuses, interest, and investment returns.

• Features: Save, invest, refer and earn

• Payment Method: Bank transfer

• Minimum Withdrawal: ₦1,000

Best For: Financial discipline and passive income

6. Toloka by Yandex

Toloka pays users to perform simple microtasks like checking website content, image labeling, or short surveys. No special skills required.

• Features: Small tasks, good daily earning potential

• Payment Method: PayPal, Skrill (then to Nigerian bank)

• Minimum Withdrawal: $0.02

Best For: Consistent task-doers

7. Field Agent

This app pays you to complete small tasks in your local area, such as taking photos of products in stores or answering market research questions.

• Features: Local gigs, quick tasks

• Payment Method: PayPal

• Minimum Withdrawal: $5

Best For: People living in cities or towns

8. ShutterStock Contributor

Got talent in photography, video, or design? Upload your content to ShutterStock and earn money whenever someone downloads it.

• Features: Passive income through downloads

• Payment Method: Payoneer, PayPal

• Minimum Withdrawal: $35

Best For: Creators and photographers

9. Receipt Hog

Receipt Hog rewards you for uploading your shopping receipts. Each receipt earns you coins, which you can convert to gift cards or cash.

• Features: Upload receipts, earn coins, simple UI

• Payment Method: PayPal

• Minimum Withdrawal: $5

Best For: Frequent shoppers

10. Freelancer (App)

Whether you’re a writer, designer, programmer, or virtual assistant, Freelancer.com’s app allows you to find paid gigs globally and work remotely from Nigeria.

• Features: Real jobs, high pay, flexible hours

• Payment Method: PayPal, Payoneer

• Minimum Withdrawal: $30

Best For: Skilled professionals and side hustlers

Quick Summary: Best Real Money-Making Apps in Nigeria (2025)

Tips to Earn More With These Apps

1. Be consistent – daily usage boosts your income

2. Refer friends – most apps offer bonuses

3. Cash out regularly – avoid losing funds due to inactivity

4. Use a PayPal/Payoneer account – for international apps

5. Join communities – like Telegram groups or Reddit for earning hacks

Final Thoughts

With smartphones and internet access, anyone can earn money daily in Nigeria using mobile apps. Whether you're playing games, completing tasks, or simply referring friends, these legit apps make earning easy and stress-free. You don’t need big capital—just your phone and consistency!