As the digital economy continues to grow across Africa, Nigerians are tapping into mobile apps to earn income, whether through full-time gigs, side hustles, or creative outlets.
In 2025, more platforms than ever are providing real, tangible opportunities to make money, regardless of your skill level or profession.
From freelancing to content creation, trading, and affiliate marketing, here are ten standout apps Nigerians are using to generate income this year that you can also dive into and make money from as a Nigerian.
1. Fiverr (Freelancing Platform)
Best For: Freelancers offering digital services
Platforms: Android, iOS, Web
Fiverr remains a powerful tool for Nigerians with marketable digital skills in writing, graphic design, voice-over work, video editing, and programming.
In 2025, Fiverr has integrated AI-powered gig optimization, making it easier to get discovered by buyers worldwide.
Unlike traditional job hunting, Fiverr allows you to create a profile and offer services starting from $5.
With strategic pricing and excellent reviews, many Nigerian freelancers are now earning thousands of dollars monthly on the platform.
Pro Tip: Focus on niche services like AI prompt writing, social media audits, or Canva templates to stand out.
2. Opay (Fintech & Referral Income)
Best For: Financial transactions and referral rewards
Platforms: Android, iOS
Opay has become more than just a mobile money platform. In 2025, it’s doubling down on referral bonuses, agent banking, and bill payment incentives.
By registering as an Opay agent, Nigerians in rural or underserved areas can earn commissions by helping others withdraw, deposit, or transfer money.
Also, users who refer new customers can earn up to ₦500 per signup when the new user performs qualifying transactions.
With Nigeria’s high mobile penetration and growing cashless economy, this has become a lucrative opportunity.
3. Taptap Send (Cross-border Payments & Referral Program)
Best For: International remittances and referrals
Platforms: Android, iOS
Taptap Send allows users to send money from the diaspora into Nigeria quickly and at lower fees.
Nigerians in-country benefit from the app’s aggressive referral program, which pays when you invite friends abroad to send money home using your unique link.
In 2025, the app offers ₦3,000 per successful referral, and there’s no limit to how many people you can refer. For those with large diaspora networks, this app offers a consistent income stream.
4. Binance (Crypto Trading & Learning Rewards)
Best For: Crypto trading, P2P, and educational earnings
Platforms: Android, iOS, Web
Despite regulatory uncertainty, cryptocurrency is still thriving among tech-savvy Nigerians. Binance, the world’s largest crypto exchange, continues to dominate the scene.
Nigerians earn money through its P2P trading platform, staking services, and educational campaigns.
In 2025, Binance Academy introduced “learn and earn” programs where users get free crypto after completing simple courses.
It’s a way to both educate yourself and earn passively, especially if you’re new to the crypto world.
Disclaimer: Crypto trading is volatile. Learn first, invest cautiously.
5. Shukran (Content Creator Tips & Monetization)
Best For: Creators, influencers, writers
Platforms: Web, Progressive Web App
Shukran allows Nigerian creators to monetize their audience directly. Unlike traditional platforms where ad revenue is slow or unavailable, Shukran lets fans tip creators instantly.
Influencers, and even WhatsApp storytellers use the platform to receive money from their followers.
In 2025, Shukran added a tier-based subscription model, giving creators recurring income options. If you produce valuable content—art, poems, advice, or short stories—Shukran can become a steady source of income.
6. Chekkit (Product Verification & Surveys)
Best For: Smartphone users with time for microtasks
Platforms: Android
Chekkit is a Nigerian-founded app that began with verifying product authenticity via QR codes. Now, it has expanded into consumer engagement, including surveys and feedback programs.
In 2025, users can earn points by scanning products, participating in brand surveys, or reviewing household items.
READ ALSO: 10 Side Hustle Businesses For Nigerian Students In 2025
These points are redeemable as airtime or cash, making it an easy and legitimate way to earn money by simply interacting with brands.
7. Selar (Digital Product Sales)
Best For: Selling eBooks, courses, files, and services
Platforms: Web, Android (via PWA)
Selar is revolutionizing the way Nigerians monetize knowledge. Teachers, coaches, and even undergraduates now sell digital products like exam guides, courses, templates, and PDFs directly from their phones.
The platform processes payments, delivers files, and handles affiliate marketing for sellers. In 2025, it’s more robust, supporting crypto and international payments. Some Nigerians have built six-figure monthly incomes just by selling knowledge on Selar.
8. Carry1st (Mobile Gaming Rewards)
Best For: Gamers and casual players
Platforms: Android
If you enjoy mobile games, Carry1st turns that into real rewards. Based in Africa, this mobile gaming platform partners with international game publishers to localize experiences and reward players with airtime, cash, or merchandise.
Carry1st has a leaderboard and competition feature where Nigerians can win daily and weekly prizes. With data-light games and simple mechanics, it’s appealing to the youth and casual players looking for fun and income.
9. Clickworker (Microtasks & Freelance Jobs)
Best For: Data entry, surveys, content moderation
Platforms: Android, iOS, Web
Clickworker provides small online tasks that pay in euros or dollars. Nigerians can earn by writing short articles, categorizing images, or completing surveys.
In 2025, Clickworker added new AI-training jobs that pay higher per hour and require basic English skills.
All you need is a smartphone and good internet. While the earnings are modest, consistency can translate into a solid side income.
Pro Tip: Use a Payoneer or Domiciliary account for smooth international payments.
10. Chipper Cash (Payment App with Referral Rewards)
Best For: Payments, money transfers, referrals
Platforms: Android, iOS
Chipper Cash combines peer-to-peer payments with a rewarding referral model. It’s increasingly popular in Nigeria due to its free transfers, ability to buy airtime, and crypto offerings.
In 2025, Chipper’s referral program offers users up to ₦1,000 per invited friend. Those who grow large referral networks or offer mobile financial services in their communities use Chipper to earn consistently.
Conclusion
Nigeria’s high youth population and rapid smartphone adoption are fueling a surge in digital entrepreneurship.
Whether you have advanced skills or just a bit of free time, these apps offer realistic ways to earn money in 2025.
However, consistency, discipline, and a willingness to learn remain key to unlocking real financial benefits from any platform.
Before jumping in, do your own research, watch out for scams, and always read the terms and conditions of each app.
The digital hustle is real and these platforms are proof that with the right tools, Nigerians can earn from anywhere.
