A recent survey conducted by the financial website NerdWallet found that only 24 percent of users check their bank balance and credit card statements regularly, while 40 percent of those surveyed have been late paying at least one bill.
Table of Contents
Best Apps For Money
- Ibotta
How it works: Ibotta lets you earn cash back on in-store and online purchases at over 2,000 supported retailers. Originally for groceries, it has expanded to include clothing, entertainment and eating out, pet supplies and other categories. Offers can be product or retailer-specific — and some will automatically be applied. For others, you’ll need to complete an additional task such as watching a video or taking a poll.
There are three possible ways to earn cash back in stores: Add offers and submit your receipt in the app after your shopping trip, link your retailer loyalty accounts or purchase a retailer gift card through the Ibotta app. For online purchases, you shop through the app or with the Ibotta browser extension on your computer.
Payment: PayPal, digital gift card or direct to a bank account.
Pros: You’ll receive cash back on in-store purchases quickly — typically within 24 hours. Ibotta also offers a welcome bonus to new users, referral bonuses and a variety of payment methods.
Cons: Making money can be a slow process. You must have at least $20 in cash back to redeem your earnings (some gift cards require at least $25 in earnings). For online shopping, the pending period for earning cash back varies by retailer.
Download: Android, iOS.
- Rakuten
How it works: Rakuten (formerly known as Ebates) rewards shoppers with up to 40% cash back on purchases from well-known retailers, restaurants and food delivery services. Users can also earn cash back on travel, gift cards and more. It’s straightforward: Create an account, tap on the store where you want to shop in the app, then make the transaction through the portal. You can also link a credit or debit card to your Rakuten account to earn cash back in-store — as long as you activate the deal through the app first. Rakuten credits the cash back to your account after it confirms the purchase with the retailer, which it says can take a few hours to several days.
Payment: PayPal or check.
Pros: Thousands of stores and purchases are eligible for cash back, so you’ll likely find deals where you already shop. New users can earn a $10 welcome bonus after their first qualified purchase. You can also earn sign-up and referral bonuses.
Cons: As with most cash-back services, you have to spend money to make money. You won’t see your earnings right away, either; Rakuten sends out payments every three months, and you need at least a $5 cash-back balance to get paid.
Download: Android, iOS.
Money management made easy
NerdWallet tracks your income, bills, and shows you ways to save more.
- Swagbucks
How it works: Swagbucks is a cash-back and rewards app. You earn points, called “SB,” by shopping, taking polls, watching videos, playing games or fulfilling other tasks through Swagbucks. You can redeem those points for gift cards or get cash back to your PayPal account. The total points awarded can vary by task. For example, surveys are typically worth about 40 to 200 SB points each. The minimum balance required to redeem depends on the payout option you choose, but some gift cards are available for as low as 110 SB.
Payment: Gift card or PayPal.
Pros: Swagbucks offers many easy ways to earn rewards, and there’s no waiting period to cash in. Payments usually arrive within 10 business days after redemption. You can also get a $10 bonus with a qualifying $25 purchase when you join.
Cons: It doesn’t pay much; one SB is worth about a cent. With many tasks valued at pennies, it can take a fair amount of time and effort to make substantial money. Additionally, you won’t qualify for every survey or task. Users often report getting kicked out of surveys in the middle of taking them. This can be due to demographics or dishonest or inconsistent answers, according to Swagbucks.
Download: Android, iOS.
- Fiverr
How it works: Fiverr is a freelancing marketplace that features gigs in over 200 categories, such as programming and video and animation. Create an account first, then you can set your profile as a “seller” highlighting your expertise. Post the gig you’re offering, which will include pricing and a description of your services. Clients, known as “buyers,” can click through and place orders. You’ll get paid once you complete the job. Fiverr assigns seller levels based on performance. As you move up each tier, you’ll be able to sell more “extras,” such as a faster delivery time.
Payment: PayPal, direct to a bank account or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and you may be charged a withdrawal fee, depending on which option you choose.
Pros: You don’t have to worry about tracking down buyers because they come to you. You can also earn tips.
Cons: Fiverr takes 20% of your earnings for every gig, including tips, and there’s a standard 14-day waiting period to withdraw money after completing an order (top-tier sellers wait seven days for funds to clear).
Download: Android, iOS.
- Upwork
How it works: Upwork connects freelancers to gigs in writing, design, marketing and other categories on the marketplace. First, you’ll create a profile. It should include information such as the field you’re interested in plus your qualifications, availability and desired rate. Then, you can submit proposals. Clients will review them and offer projects if you seem like a good fit.
You begin each month with a set number of “Connects,” which are like credits that allow you to contact prospective clients. You can earn or pay a small sum for more Connects, but you won’t be charged when clients contact you. You can get paid on an hourly or per-project basis.
Payment: Direct to U.S. Bank, direct to your bank account, wire transfer, Instant Pay, PayPal and Payoneer. Charges apply to some payment options, so be sure to check Upwork for details.
Pros: Upwork helps take the work out of seeking out clients, establishing relationships and getting paid. The service also gives you the flexibility to set your preferred rate and schedule.
Cons: The app is free to download, but initiating contact with lots of clients costs money. Users also get charged a service fee. Upwork takes a 5% to 20% cut of your earnings based on how much you’ve billed a client. The more you earn, the more you get to keep. However, you won’t get paid until 10 days after the billing period ends. Remember, too, that you’re competing with other freelancers on the platform. That means clients may choose those who’ve set lower rates.
Download: Android, iOS.
- OfferUp
How it works: OfferUp, which combined with competitor Letgo in 2020, functions as a local marketplace you can use to sell your stuff. If you want to reach a broader audience, OfferUp also allows shipping within the continental United States. Create an account and snap a picture of your smartphone, car, sofa or whatever it is you’re selling. Once you add a title, description and price, you can post your listing and chat with buyers directly through the app. Then, you’ll ship to or arrange a meeting with the buyer.
Payment: Cash or deposit to debit card or bank account.
Pros: Creating a listing is simple and fast, and you’ll get paid instantly when you make a cash sale. You can also view a prospective buyer’s reviews and ratings to get an idea of how trustworthy they are beforehand. If you ship your item, the buyer pays the cost, and OfferUp provides the label.
Cons: You’re responsible for meeting local buyers in person and handling transactions. Sellers must pay a 12.9% service fee, or a minimum of $1.99, for shipments.
Download: Android, iOS.
- Poshmark
How it works: The Poshmark app is tailor-made for selling clothes, accessories and even home decor. After signing up, you take or upload photos of your item, fill out a description, price it and share the listing. You can also feature items in the app’s “Posh Parties,” which are virtual shopping events centered around particular brands, categories and themes. Poshmark emails you a prepaid shipping label once a purchase is made. Then, you send the package.
Payment: Check or direct deposit to a bank account.
Pros: Poshmark facilitates the entire process, from selling to shipping. Plus, you don’t have to meet with strangers to make a sale. The company will cover lost packages and handle issues between you and the buyer. Getting paid is relatively quick, too; Poshmark issues the money within three days of the buyer receiving the order.
Cons: You’ll pay a fee for selling through Poshmark. The company takes a $2.95 commission for sales under $15 and a 20% commission for sales of $15 or above.
Apps that pay you real money in nigeria
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Google Opinion Rewards (Best Apps to Make Money In Nigeria)
This is one of the most popular apps that you can use to make money and get paid on your Android phone. I personally feel Nigerians don’t utilize these apps well. With these apps, you help google carry out surveys and they reward you with google play store cards.
Foap
With this app you sell pictures and make money there are a lot of big brands on the platform looking to buy images for promotion. This platform will even help promote your image on Getty Images. If you are the type that takes a lot of pictures with your phone you might upload less on Instagram and start uploading to a platform that actually gets you, buyers. Overall it is a nice append easy to navigate
That’s all you have to do in order to earn money on this app as a Nigerian.
Go Money
The Go Money app was created to help its users gain financial management through a referral system. However, this app is built for receiving money, buying data or airtime, sending money, and making bill payments.
But it has a unique referral system that can let its users earn money. Rewards are given anytime a user refers to anyone whether a friend or a family member.
All the user has to do is to get the person being referred to sign up for the app and the user is going to earn money through that. 50% of any money that is deposited by the person referred goes to the user and this can be done in so many ways.
Withdrawals go straight into the user’s bank account after clicking the button “send payment” and inputting account details.
That’s all you have to do in order to earn money on this app as a Nigerian.
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Insta Naira
Instanaira is another trusted money-earning app in Nigeria.
It lets its users earn money by watching music videos, watching Nollywood videos or comedy skits, and many others. Money can also be earned by just doing other simple tasks like reading news stories that are posted each day.
Not only is cash won but airtime too can be given.
Once the app is open, the app rewards the user with cash. Cash can also be earned by referring other people.
Scooper News App (formerly known as Eaglee)
The fourth money-earning apps in Nigeria is not bulky. It only costs about 5MB to download the app through Google Play.
What the app does is allow its users to read news and earn money. It is similar to Buzz Break.
It gives news according to the preference and location of the user. News provided by this App comes from around the African continent and not worldwide.
Scooper News app is rated as one of the easiest apps that one can make money from in Nigeria.
Although, installing, registering to open the app gives no reward.
Rewards can be earned through reading news articles for 5 points. Not more than 30 articles can be read per day.
This means that after the end of the day, a total of 150 points will be earned.
As usual, there is a referral system for users to earn extra money in which 5 points are given per each referral.
The withdrawal can simply be made into bank accounts within a period of 72 hours.
The SellApp.me
The SellApp.me Application is an online buying and selling platform.
Buyers and sellers can connect with one another to sell their goods on the platform.
Entrepreneurs can also benefit from this and take advantage of the app.
Anything can be sold on the app ranging from cars, electronic appliances, furniture items, beauty products, fashion, home furniture, smartphones as many more.
As the item is bought, it goes into the account of the seller with no additional costs.
Money can be earned on this app by first downloading the App from Google Play, then installing it and signing up.
Once the sign-up is done, a picture of what is to be sold should be taken by the potential sellers and wait for buyers to buy the item.
It is more of an online mobile e-commerce store for sellers.
Clickworker
Money Earning Apps in Nigeria
Clickworker is an app that has many options from which its users can earn money. The platform involves doing simple tasks in order to earn money.
The task comes in the form of micro jobs that are offered out by people. Other ways one can earn money while using this application are by video recordings, audio recordings, filling out data, completing surveys, and many more tasks.
With all these things given, much money can be earned by just using Clickworker.
Payment is done weekly and the cash is redeemable through PayPal.
Naira Rewards
This is one of the best money-earning apps in Nigeria.
It is especially good for students who want to earn extra cash.
Points are given which are in return turned into airtime or cash.
The platform involves opening the app daily to earn points or watching videos on offer. It is pretty easy.
The withdrawal is easy and it requires the user to click on something before the money is credited to the user’s bank account.
Zinoly
Zinoly app is a news platform based online that allows its users to get rewards by reading news content.
It is that easy, just like every other news-reading app.
The application is first downloaded from Google play and then the user signs up and starts earning.
It is that simple.
For opening the app every day, a reward is usually given so the user should make sure not to miss out on any of that offer.
Withdrawals are pains straight into the bank account after earning enough money.
Carry1st Trivia
Normally, getting an education is by paying to learn and taking exams in which nothing else is gotten in return apart from good grades.
The carry1st trivia app has changed the game of learning. Users can earn money by answering questions.
The application gives multiple choice questions and all the user has to do is to answer them correctly and earn the money.
The questions are made easy and fun, so the user also learns a lot while trying to earn money.
Questions on fun facts can also be asked.
It is a trusted way of earning money and gaining knowledge.
It is one of the topmost best-earning apps in Nigeria.
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