What are the best apps for making money in Nigeria using a smartphone

Smartphones have become essential tools for generating income, particularly in Nigeria, where the adoption of mobile technology is accelerating rapidly. Below is a detailed overview of some of the top apps Nigerians can use to earn money with their smartphones:

Micro-task and Survey Apps

These apps allow you to earn small amounts of money by completing simple tasks or surveys.

Swagbucks
Swagbucks is a well-known rewards app that compensates you for engaging in various online activities. You can earn points (known as SB) by:

• Participating in surveys
• Watching videos
• Playing games
• Searching the web
• Shopping online

Once you’ve accumulated enough SB, you can redeem them for cash via PayPal or gift cards. While the earnings per task are modest, consistent use of the app can lead to significant rewards over time.

Survey Junkie
Survey Junkie is an app dedicated to paid surveys. Here’s how it works:

• Create a profile and answer basic questions about yourself
• Receive survey opportunities tailored to your demographic
• Complete surveys and earn points
• Cash out your points for PayPal funds or e-gift cards

This app is known for its easy-to-use interface and regular survey availability.

Google Opinion Rewards
Google’s official app offers a simple way to earn small amounts of money:

• Answer short surveys (usually 1-3 questions)
• Receive small payments (typically around $0.10 – $1) per survey
• Earnings are paid out via PayPal

Though the payouts are modest, the surveys are quick to complete, making this app an easy way to earn a little extra cash.

Freelancing Apps

If you possess marketable skills, freelancing apps can offer more substantial earning opportunities.

Fiverr
Fiverr is a global marketplace for freelance services. Here’s how you can earn money:

• Create a seller profile highlighting your skills
• Offer “gigs” in categories such as writing, graphic design, programming, or digital marketing
• Set your own prices (starting at $5, hence the name)
• Complete projects for clients worldwide

Fiverr can be particularly lucrative if you build a strong reputation and consistently deliver high-quality services.

Upwork
Upwork is another leading freelancing platform, differing from Fiverr in several ways:

• You bid on job postings rather than offering predefined gigs
• Longer-term contracts are common
• A wider range of professional services is available

Upwork is ideal for skilled professionals seeking steady freelance work.

E-commerce and Selling Apps

These apps allow you to sell products or services directly to consumers.

Jiji
Jiji is one of Nigeria’s largest online marketplaces. Here’s how you can make money:

• List items you want to sell (both new and used goods)
• Set your own prices
• Communicate with potential buyers through the app
• Arrange sales and delivery

Jiji is particularly popular for electronics, fashion items, and household goods.

Jumia
While primarily known as an e-commerce platform for established businesses, Jumia also allows individual sellers to participate:

• Apply to become a Jumia seller
• List your products on the platform
• Benefit from Jumia’s extensive customer base and logistics network

Jumia is a good option if you have a steady supply of products to sell.

Ride-hailing and Delivery Apps

If you own a vehicle, these apps can help you earn money by offering transportation or delivery services.

Uber
Uber operates in major Nigerian cities. To earn money with Uber:

• Sign up as a driver (your vehicle must meet specific requirements)
• Accept ride requests through the app
• Complete trips and earn fares plus potential tips

Uber offers flexible income, allowing you to work at your convenience.

Bolt (formerly Taxify)
Bolt functions similarly to Uber:

• Register as a driver
• Accept ride requests
• Earn money for completed trips

Some drivers report that Bolt’s lower fees can result in higher earnings compared to Uber.

Jumia Food
If you prefer delivering food rather than transporting passengers:

• Sign up as a Jumia Food delivery partner
• Accept food delivery orders through the app
• Pick up orders from restaurants and deliver them to customers

Food delivery is ideal if you have a motorcycle or bicycle, allowing for quicker navigation in congested areas.

Investment and Savings Apps

These apps help you grow your money over time through various investment and savings options.

PiggyVest
PiggyVest is a popular savings and investment app in Nigeria, offering features such as:

• Automated savings plans
• Fixed deposits with competitive interest rates
• Investment opportunities across various sectors

PiggyVest can help you develop better saving habits while earning returns on your investments.

Cowrywise
Cowrywise is another fintech app focused on savings and investments:

• Set up automated savings plans
• Invest in mutual funds
• Access financial education resources

This app is known for its user-friendly interface and low minimum investment requirements.

Content Creation and Social Media Apps

If you have a knack for creating engaging content, these apps can help you monetize your skills.

TikTok
TikTok, primarily an entertainment app, offers several ways to earn money:

• Build a large following and join the TikTok Creator Fund
• Secure brand partnerships and sponsored content deals
• Promote your own products or services

Success on TikTok requires consistent creation of engaging, trend-aware content.

YouTube
YouTube remains one of the most popular platforms for content creators:

• Create and upload videos on topics you’re passionate about
• Monetize your channel through ads once you meet eligibility requirements
• Explore additional revenue streams like sponsorships, merchandise, and channel memberships

Building a successful YouTube channel takes time and effort, but it can be very rewarding for dedicated creators.

Cashback and Rewards Apps

These apps allow you to earn money or rewards on purchases you’re already making.

Ibotta
Ibotta offers cashback on grocery and retail purchases:

• Browse offers before shopping
• Upload receipts or link your store loyalty cards
• Earn cashback on qualifying purchases

While Ibotta’s supported store selection may be limited in Nigeria, it can still be useful for those shopping at major retailers.

Jumia One
Jumia One is a multi-service app with a rewards program:

• Earn points on various transactions within the Jumia ecosystem
• Redeem points for airtime, data, or discounts on Jumia
• Take advantage of cashback offers on bill payments and other services

Jumia One is particularly beneficial if you frequently use Jumia’s services.

Tips for Success with Money-Making Apps

To maximize your earnings and ensure a positive experience with these apps, consider the following advice:

• Diversify your approach: Don’t rely on just one app. Use a mix of different apps to create multiple income streams.
• Be consistent: Regular use of these apps often leads to better rewards. Dedicate specific time each day or week to engage with your chosen apps.
• Develop your skills: Continuously improve your skills, especially for freelancing and content creation apps, to stand out from the competition.
• Read the fine print: Understand the terms and conditions of each app, including payout thresholds and any associated fees.
• Protect your personal information: Be cautious about sharing sensitive data. Stick to reputable apps and use strong, unique passwords.
• Track your earnings: Keep a record of your income from various apps to identify which are the most profitable.
• Be patient: Significant earnings often take time to build. Don’t get discouraged if your income grows slowly at first.
• Stay informed: Keep up with app updates and new opportunities in the mobile money-making space.

Conclusion

The widespread use of smartphones in Nigeria has created numerous opportunities for earning money through apps. Whether you’re looking for a full-time income or just some extra cash, there’s likely an app that fits your skills and schedule.

While these apps offer valuable income opportunities, it’s important to approach them with realistic expectations. Many require considerable time and effort to generate substantial earnings. Additionally, be mindful of any associated costs, such as data usage or transportation expenses, when evaluating the profitability of these apps.

As technology continues to evolve, more innovative ways to earn money with smartphones are likely to emerge. By staying adaptable and open to learning, Nigerians can fully leverage these digital earning opportunities.