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App To Make Money Online In Nigeria?

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The article discusses the top 6 apps that allow users in Nigeria to make money online. These apps include Swagbucks, Toloka, Fiverr, Upwork, BuzzBreak, and Chipper Money. Users can earn money through various tasks such as completing surveys, watching videos, offering services, and more. The article provides an overview of each app, how to earn money, and tips for maximizing earnings.


In today’s digital age, there are numerous opportunities to make money online. With the rise of smartphones and mobile apps, individuals can now earn real money right from their fingertips. This is especially true in Nigeria, where several apps have emerged as reliable platforms for making extra income.

Whether you’re a student looking to supplement your allowance or someone seeking additional sources of revenue, these apps offer various ways to earn cash conveniently using your smartphone. From completing surveys and tasks to offering freelance services or simply watching videos – the possibilities are endless.

However, it’s important to exercise caution when exploring these avenues as not all apps may deliver on their promises. Some might stop paying after reaching withdrawal limits while others could require users to complete an excessive number of tasks before being able to cash out earnings.

To help navigate through this landscape and ensure that you maximize your earning potential without falling victim to scams or unreliable platforms, we’ve compiled a list of some top-rated apps available in Nigeria that pay real money:

  1. Swagbucks
  2. Toloka
  3. Fiverr
  4. Upwork
  5. BuzzBreak
  6. Chipper Money

Each app offers unique features and opportunities for users based on their interests and skill sets.

Top 6 Apps to Make Money Online in Nigeria


Swagbucks is a popular survey site that allows users to earn money by completing surveys, playing games, watching videos, and more. It provides various opportunities for individuals to make real money online using their smartphones.

To start earning with Swagbucks, users need to create an account on the app or website. Once registered, they can explore different tasks available such as taking surveys related to market research or consumer opinions. Users can also watch entertaining videos from categories like news, fashion tips and tricks, etc., play games provided within the platform itself which are designed specifically for this purpose.

The earnings accumulated through these activities are rewarded in points called “SBs”. These SBs can be redeemed for gift cards from companies like Amazon, Starbucks, Target, etc. Alternatively, you may choose to cash out via PayPal.

It’s important, however, to note that some apps might stop paying after reaching the withdrawal barrier, so it’s always advisable to read reviews before starting any task.

Tips & Recommendations:

  • Complete your profile accurately as it helps match relevant surveys.
  • Check regularly for new offers and tasks.
  • Be consistent with your efforts; regular participation increases chances of higher rewards.


Toloka is another app where Nigerians have been able to turn their smartphones into a source of income. Toloka enables its user base to complete basic tasks both offline (like reviewing websites) and online (like contributing images).

Users get paid upon successful completion of each task assigned. The payment options include Skrill, Pioneer, among others. It should be noted though, the amount earned per completed task varies depending on complexity, time required, and other factors set forth by clients who post them.

Tips & Recommendations:

  • Regularly check the available list of tasks since there could be high-paying ones added frequently.
  • Ensure accuracy when performing assignments because poor quality work will not only affect your earnings but also your reputation on the platform.


Fiverr is a popular freelancing app that offers various opportunities for individuals to make money online. It connects businesses and clients with skilled professionals in fields such as writing, programming, graphic design, internet marketing, etc.

To start earning through Fiverr, users need to create an account and set up their profile showcasing the skills they offer. Once done, you can browse available job postings or even post gigs of your own at rates you deem fit.

Payments are made securely via Payoneer once work has been completed successfully. It’s important, however, to note that there might be service fees deducted by the platform from each transaction.

Tips & Recommendations:

  • Create a compelling gig description highlighting unique selling points.
  • Offer competitive pricing based on market research.
  • Deliver high-quality work within agreed-upon deadlines.


Upwork is another well-known freelance marketplace where Nigerians have found success making money online. Users get access to a wide range of jobs including virtual assistance, writing services, and web designing, among others. The best part about this app? You’re able to choose your hourly rate yourself!

Getting started involves creating an impressive profile which showcases relevant experience and samples of previous works if any. Once approved, start bidding on projects matching your skillset. Payment options include Pioneer, among other methods supported by UpWork itself.

It should be noted though, the competition could be tough, so it’s advisable to build a strong portfolio before starting out here.

Tips & Recommendations:

  • Be proactive; regularly apply for suitable projects.
  • Showcase past successful collaborations and testimonials/reviews received from satisfied clients.


BuzzBreak provides yet another opportunity to earn real cash while performing simple tasks like watching videos and reading news articles. The installation process is straightforward, just download and install the application onto your smartphone device, register using your email address or Facebook login details, and begin exploring the content offered.

Users accumulate points by completing these activities. Points earned can then be exchanged for actual currency via PayPal or Gcash, depending on the user’s preference.

Tips & Recommendations:

  • Check the app regularly for new videos and news articles to earn more points.
  • Refer friends to increase your earnings through their referral program.

Chipper Money

Chipper Money is a multi-purpose app that offers various features including making payments, sending money, purchasing data and airtime, and paying bills. Users can also make extra cash by referring others to successfully sign up for the platform. Each successful referral earns the user a bonus amount which is added to their account balance.

To start earning with Chipper Money, users need to download and install the application onto their smartphone device, register using their email address or Facebook login details. Once registered, start sharing your unique referral link with contacts and on social media platforms to encourage the sign-up process.

Tips & Recommendations:

  • Actively promote your unique referral link on different channels like social media, email, etc.
  • Encourage referrals and explain the benefits of joining Chipper Money.

These apps provide individuals in Nigeria with opportunities to make real money online. However, it’s important to exercise caution when choosing an app as some may stop paying after reaching the withdrawal barrier or require excessive tasks before being able to withdraw funds. It’s always advisable to read reviews beforehand to ensure the reliability and legitimacy of any chosen applications.



Swagbucks is a popular survey site that allows users in Nigeria to earn real money by completing various tasks. These tasks include taking surveys, playing games, watching videos, and more. The app provides an easy way for individuals to make money online using their smartphones.

How to Earn Money

To start earning with Swagbucks, simply download the app from the Google Play Store or Apple App Store and create an account. Once you’re logged in, you can browse through available tasks and choose ones that interest you.

Taking surveys is one of the main ways to earn on Swagbucks. You’ll be asked questions about your preferences or opinions on different topics. Completing these surveys will reward you with SB points (the virtual currency used within the app).

In addition to surveys, there are other activities like watching videos or playing games that also offer opportunities for earnings. Each task has its own set of instructions and requirements which need to be followed carefully.

Redeeming Earnings

Once you have accumulated enough SB points in your account balance, it’s time to redeem them for rewards such as gift cards from popular companies like Amazon, Starbucks, Target, etc. Simply go into the “Rewards” section of the app and browse through the options available for redeemable gift cards.

Choose your preferred option and click on it to initiate the redemption process. Follow any additional steps provided by Swagbucks if required.

It is important to note that each reward has a different SB point value, so make sure you have enough points before attempting to redeem an item. After successful redemption, you will be prompted with instructions on how to receive or use your selected reward.

Tips and Recommendations

  • Complete profile information accurately – This will help Swagbucks match you with relevant surveys and tasks, increasing your earning potential.
  • Check for new offers regularly – New opportunities to earn may be added frequently, so it’s a good idea to check the app daily or set notifications.
  • Refer friends – Swagbucks has a referral program where you can earn additional SB points by inviting others to join. Share your unique referral link with friends and family who might be interested in making money online.

Remember that while using apps like Swagbucks is an easy way to make some extra cash, it won’t replace a full-time job. Treat these activities as supplemental income sources rather than relying on them solely for financial stability.



Toloka is an app that provides opportunities for users to earn money by completing various tasks online and offline. It offers a platform where individuals can contribute their skills, opinions, and time in exchange for real cash rewards. With its user-friendly interface and wide range of available tasks, Toloka has become a popular choice among Nigerians looking to make money online.

How to Earn Money

To start earning on Toloka, you need to create an account and complete your profile with accurate information. Once registered, you will have access to a variety of tasks such as watching videos, contributing images or audio recordings for machine learning projects, offering website reviews or feedbacks on products/services.

Each task comes with specific instructions provided by the requester who posts it on the platform. Make sure you read these instructions carefully before starting any task so that your work meets the requirements set forth by the requester.

It’s important to note that some tasks may require qualifications which are determined based on previous performance or completion rates within certain categories. By consistently delivering high-quality work and meeting deadlines promptly, you increase your chances of receiving more lucrative assignments over time.

Withdrawing Earnings

Once you’ve accumulated earnings from completed tasks, Toloka provides multiple options for withdrawing your hard-earned money. Users can withdraw their earnings via Skrill and Payoneer. These payment methods offer convenient ways to use or transfer the earned funds.

Before initiating a withdrawal request, it’s advisable to check the minimum threshold required by each payment method as well as the associated fees (if applicable). This way you’ll be able to plan accordingly and avoid unnecessary charges. It usually takes several business days for withdrawals from Toloka to reflect in the chosen payment method account.

Tips And Recommendations

  1. Be Consistent: Consistency is key when it comes to earning on platforms like Toloka. Try to dedicate a specific amount of time each day or week to complete tasks and build up your earnings. By being consistent, you’ll not only increase your chances of receiving more tasks but also improve your skills and efficiency over time.
  2. Read Instructions Carefully: Before starting any task, make sure you read the instructions provided by the requester thoroughly. Understanding what is expected from you will help you to deliver high-quality work that meets their requirements. This will increase the likelihood of getting positive feedback and receiving more tasks in the future.
  3. Communicate with Requesters: If you have any questions or need clarification regarding a particular task, don’t hesitate to reach out to the requester through the messaging system provided by Toloka. Clear communication can help avoid misunderstandings and ensure that both parties are on the same page before starting work.
  4. Manage Your Time Effectively: To maximize your earning potential, it’s important to manage your time effectively. Set aside dedicated periods for completing tasks, and try not to distract yourself with other activities during those times. Remember, time is money!
  5. Explore Different Task Categories: Toloka provides various categories of tasks. Try exploring different categories beyond your skillset. You may discover new opportunities where you can utilize existing knowledge or skills in different ways. Diversifying your task portfolio increases chances for finding higher-paying assignments.

By following these tips and recommendations, you can make the most out of your experience on Toloka and boost your earnings over time. Remember, patience and dedication are key when it comes to making money online through apps like Toloka.



Fiverr is a popular freelancing platform that connects individuals with businesses looking for various services. It offers opportunities to make money online by utilizing your skills and expertise in fields such as writing, programming, graphic design, internet marketing, and more. With millions of users worldwide, Fiverr provides a global marketplace where you can showcase your talents and earn real money.

How to Earn Money

  1. Create an Account:
    • Sign up for a free account on the Fiverr website or download the mobile app.
    • Fill out all necessary information including your profile details and areas of expertise.
  2. Set Up Your Gig:
    • A gig is essentially a service offering that you provide on Fiverr.
    • Determine what type of service(s) you want to offer based on your skills.
    • Write clear descriptions highlighting what makes your services unique or valuable.
  3. Pricing Your Services:
    • Decide how much you will charge for each gig (starting at $5).
    • Consider factors like complexity level, time required to complete tasks, additional revisions offered when determining pricing structure.
  4. Promote Yourself & Attract Clients:
    • Optimize keywords related to the services provided within gigs’ titles and descriptions so potential clients can find them easily through search results.
    • Promote yourself outside Fiverr using social media platforms, personal blog, etc.
  5. Delivering Quality Work:
    • Ensure timely delivery while maintaining high-quality standards. This helps build trust among clients leading to repeat business.
  6. Receiving Reviews & Ratings:
    • Encourage satisfied customers to leave reviews after completing their orders, which helps attract new buyers.
  7. Expand Service Offerings:
    • As you gain experience, consider expanding the range of offerings. This allows you to cater to a wider audience, increasing your chances of getting hired.

Withdrawing Earnings

Fiverr offers multiple options for withdrawing your earnings:

  1. PayPal: You can link your Fiverr account to a PayPal account and withdraw funds directly.
  2. Bank Transfer: If you prefer, you can set up bank transfer details in the “Bank Transfer” section of your Fiverr settings.
  3. Payoneer: Payoneer is another popular payment method available on Fiverr. You need to create a Payoneer account, link it with Fiverr, and then request a withdrawal.

Note that there may be minimum balance requirements or fees associated with certain withdrawal methods, so make sure to review the terms and conditions before choosing how to receive your earnings.

Tips and Recommendations

  • Create an attractive profile showcasing relevant skills, experience, and portfolio samples.
  • Be responsive – reply promptly to messages from potential clients.
  • Offer exceptional customer service by communicating clearly and professionally throughout the project duration and addressing any concerns or questions raised by buyers.
  • Deliver high-quality work within agreed-upon deadlines; this will help build positive reviews which are crucial for attracting new customers.
  • Market yourself outside of Fiverr using social media platforms, blogs, etc. to reach a wider audience, increasing your chances of getting hired.



Upwork is a popular freelancing platform that connects businesses and individuals with skilled professionals from various fields. It offers opportunities for users to earn money by providing services such as writing, programming, graphic design, web development, virtual assistance, and more. With millions of registered users worldwide, Upwork provides a vast marketplace where freelancers can showcase their skills and find clients looking for their expertise.

How to Earn Money

  1. Create an Account:
    • Sign up on the Upwork website or download the mobile app.
    • Fill in your personal information and create a professional profile highlighting your skills and experience.
  2. Browse Job Listings:
    • Explore job listings relevant to your skillset using filters like category, budget range, project duration, etc.
  3. Submit Proposals:
    • Write compelling proposals tailored specifically to each job you are interested in. Highlight how you can meet the client’s requirements effectively.
  4. Communicate with Clients:
    • If selected, communicate directly with potential clients through messages or video calls to discuss project details before accepting any offer.
  5. Complete Projects Successfully:
    • Once hired, complete projects according to agreed-upon terms within specified deadlines. Deliver high-quality work that meets client expectations.
  6. Get Paid:
    • After completing milestones or entire projects, submit invoices via the platform. Clients will review them, and once approved, you’ll receive payment based on previously negotiated rates.

Withdrawing Earnings

Withdrawing earnings from UpWork is simple:

  1. Setting up Payment Method:
    • Before withdrawing funds, set up preferred payment method (Payoneer, Bank Transfer) in account settings.
  2. Requesting Withdrawal:
    • Once sufficient balance has been accumulated, request withdrawal at any time convenient for you.
  3. Processing Timeframe & Fees:
    • The processing timeframe varies depending on the chosen payment method. Upwork charges a nominal fee for each withdrawal, which is deducted from your earnings.

Tips and Recommendations

To maximize your earning potential on Upwork:

  1. Build an Impressive Profile:
    • Create a professional profile that showcases your skills, experience, and portfolio. Include relevant keywords to improve visibility in search results.
  2. Specialize & Niche Down:
    • Focus on specific areas of expertise where you can excel. Specialization helps attract clients looking for specialized services.
  3. Set Competitive Rates:
    • Determine competitive rates based on industry standards, your skill level, and market demand. Consider starting with lower rates initially to build credibility and gain positive reviews.
  4. Communicate Effectively:
    • Maintain clear communication with clients throughout projects, asking questions when needed, ensuring everyone’s expectations are aligned.
  5. Deliver High-Quality Work On Time:
    • Provide high-quality work within agreed-upon deadlines. This will help establish trust, reputation, and increase chances of repeat business or referrals.

By following these tips, you can enhance your success as a freelancer using Upwork.



BuzzBreak is an app that provides users with the opportunity to earn money by performing simple tasks, such as watching videos, completing surveys, installing apps, and reading news articles from popular sources. It offers a user-friendly interface and allows individuals in Nigeria to make real money online using their smartphones.

How to Earn Money

To start earning on BuzzBreak, simply download the app from your respective app store and create an account. Once you have logged in, you will be presented with various activities that can help you accumulate points or cash rewards. These activities include:

  1. Watching Videos – You can watch short video clips provided within the app’s platform.
  2. Completing Surveys – Participate in surveys offered through third-party providers for additional earnings.
  3. Installing Apps – Downloading recommended applications onto your device may also reward you with extra points.
  4. Reading News Articles – Stay updated while earning by browsing through trending news stories available on Buzzbreak.

Each activity completed successfully earns users a certain number of points which are accumulated over time.

Exchanging Points for Cash

Once enough points have been earned on BuzzBreak, you’ll be able to exchange them for actual cash via PayPal or Gcash (a mobile wallet service). The conversion rate varies depending upon factors like demand, supply, and other market conditions. Users should note there might be minimum withdrawal requirements before they’re eligible to convert their hard-earned points into monetary value. It’s important to check these details beforehand so as not to get disappointed later when trying to withdraw funds.

Tips and Recommendations

Here are some tips and recommendations to maximize your earnings potential:

  1. Be Consistent – Regularly engage yourself on a daily basis to complete different tasks. This way, more opportunities come up and increase your chances of accumulating a higher overall income.
  2. Focus On High-Paying Activities – Some activities offer better returns than others. For example, taking surveys or installing apps may reward you with more points compared to simply watching videos. Prioritize these higher-paying activities for maximum earnings.
  3. Referral Program – BuzzBreak also offers a referral program where users can earn additional rewards by inviting friends and family members to join the app using their unique referral code. Take advantage of this feature as it provides an opportunity to boost your overall income.
  4. Be Mindful Of Withdrawal Limits – Before starting, make sure to understand the withdrawal limits set by the platform. Some platforms have minimum thresholds that must be met before cashing out, while others might impose daily/weekly/monthly caps on withdrawals. It’s important to familiarize yourself with the rules and regulations to avoid any surprises later down the line.

BuzzBreak is just one of many apps available in Nigeria that offer opportunities for individuals looking to make money online.

Chipper Money


Chipper Money is a multi-purpose app that offers various features to its users in Nigeria. Not only does it provide convenient ways for making payments, sending money, purchasing data and airtime, and paying bills but also presents an opportunity to earn some extra cash through referrals.

Earning Money through Referrals

One of the key features of Chipper Money is its referral program. Users can invite their friends, family members or acquaintances to join the app using their unique referral code or link. When someone signs up using your referral code/link and completes certain requirements (such as verifying their account), you will receive a bonus amount credited directly into your Chipper Wallet.

The more people you refer successfully, the more earnings you can accumulate over time. This makes referring others one of the easiest ways to make money with this app while helping them discover all the benefits offered by Chipper Money.

Other Features of Chipper Money

Apart from earning money through referrals, there are several other useful features provided by Chipper Money.

Frequently Asked Questions

How much money can I earn using these apps?

The amount of money you can earn using these apps varies depending on several factors, including the time and effort you put into completing tasks or providing services. Some users have reported earning a significant amount of money by consistently engaging with the app’s features and opportunities. However, it is important to note that individual earnings may differ based on personal circumstances and dedication.

Are these apps available for both Android and iOS devices?

Yes, most of the mentioned apps are available for both Android and iOS devices. This means that regardless of whether you own an iPhone or an Android smartphone, you should be able to download these applications from their respective app stores.

Are these apps available for free?

Yes, all the listed apps are generally free to download from your device’s app store. However, some may offer in-app purchases or premium features that require payment if desired but they do not affect basic functionality related to making money online through those platforms.

It is always recommended to carefully review each app before downloading them onto your device as there might be additional costs associated with certain functionalities within specific applications.

How long does it take to receive earnings after withdrawal?

The duration between requesting a withdrawal and receiving your earnings depends on various factors such as processing times set by each platform/app provider (which could range anywhere from 24 hours up until several business days), chosen payout method (e.g., PayPal transfer versus bank deposit), potential verification processes required by financial institutions involved in facilitating transactions, etc.

To get accurate information about expected waiting periods regarding withdrawals specifically tied directly towards any particular application/platform – we recommend referring back directly at official documentation provided either via FAQ sections found within corresponding websites/apps themselves OR reaching out customer support teams representing said companies behind aforementioned products/services offered therein respectively!

Please keep in mind though; actual wait times experienced during real-life scenarios might differ from general estimates provided here due to various external factors beyond our control.

Are these apps safe and legitimate?

While we have gathered information about the mentioned apps’ legitimacy, it is always important for users to exercise caution when using any online platform or application. It’s advisable to research each app thoroughly before downloading them onto your device and providing personal information or engaging in financial transactions.

Reading user reviews, checking ratings on trusted platforms like Google Play Store or Apple App Store can provide insights into other people’s experiences with a particular app. Additionally, conducting independent research by searching for news articles related to the specific app you are interested in may help determine its safety and legitimacy further.

Remember that no matter how reputable an app appears initially; there is still potential risk involved whenever sharing sensitive data (such as bank account details) over digital channels – so please proceed cautiously while making informed decisions based upon individual circumstances!


  1. https://www.linkedin.com/pulse/top-6-apps-pay-you-real-money-nigeria-onwe-chikaodili
  2. https://www.quora.com/What-are-the-most-reliable-apps-making-money-or-online-games-that-one-can-make-money-from-Nigeria
  3. https://medium.com/@schoolcrib/15-best-apps-to-make-money-online-in-nigeria-as-a-student-schoolcrib-6e9f8e95d050

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