10 Trusted Apps That Let You Earn Money Directly to Your Nigerian Bank Account

With the rising cost of living in Nigeria, side hustles and passive income streams are no longer luxuries; they’re a necessity. But what if you could earn money directly to your Nigerian bank account using just your phone? The good news is, you can.

Today, several legit apps allow you to earn real money online and get paid straight into your local bank account without needing PayPal or international dollar cards. Whether you’re a student, job seeker, or full-time employee looking for a side hustle, these apps are designed for Nigerians and pay directly in Naira.

Let’s explore the top apps that help you earn and withdraw directly to your GTB, Zenith, Opay, Kuda, or Access Bank account — fast and without stress.

1. OwoDaily

Best for: Affiliate marketing, surveys, tasks

A Nigerian platform that pays you for completing simple tasks like posting on social media, referring people, or watching videos.
You earn in Naira, and payments go directly to your bank account weekly.

💡 Bonus: Join as a premium member to access higher-paying gigs.

Visit OwoDaily website to begin

2. Sweatcoin (With Transfer to Nigerian Account via Payoneer)

Best for: Walking and earning rewards

Sweatcoin pays you in digital coins for every step you walk daily.
Though not directly integrated with naira banks, you can convert coins to USD and withdraw through platforms like Payoneer or Grey, then transfer to your Nigerian account.

3. Shukran

Best for: Content creators, coaches, and influencers

Shukran allows people to “tip” you for valuable content, advice, or services.
You get paid in Naira directly to your Nigerian bank account.

🎥 Perfect for TikTokers, YouTubers, and Instagram creators in Nigeria.

4. Opay Tasks

Best for: Completing small mobile tasks

The Opay app (mostly known as a payment platform) also offers task-based income opportunities.
Earn money through surveys, referrals, and tasks.
Withdrawal is instant and goes into your Opay wallet, which you can easily transfer to any Nigerian bank.

Fast and mobile-friendly — great for students.

5. NairaReward

Best for: Watching videos and doing microtasks

A Nigerian reward app where you earn small amounts by engaging with videos, surveys, and ads.
Pays in naira directly to your Nigerian bank account once you reach the minimum payout.

📲 Good for killing time productively.

6. Branch App (Referral Program)

Best for: Referrals and quick loans

While Branch is known for offering microloans, its referral program pays you for inviting new users.
You receive cash bonuses directly into your Branch wallet, and you can withdraw to your bank account.

Refer your friends and get paid instantly.

7. Carry1st Trivia

Best for: Playing games and winning cash

This African-made app lets you play trivia games and win real money.
When you win, the app pays you in naira directly into your bank account or mobile wallet.

Fun and educational way to make side income.

8. PalmPay (Referral and Promo Earnings)

Best for: Daily use + cashbacks and referrals

PalmPay pays users for referring friends and through cashbacks for transactions.
Money is credited directly to your PalmPay wallet and can be sent instantly to any Nigerian bank account.

Turn your everyday spending into income.

9. Freelance Apps with Naira Withdrawal (e.g., Fiverr + Grey or Payoneer)

Best for: Skilled writers, designers, and digital freelancers

Platforms like Fiverr and Upwork pay in USD, but with tools like Grey, Payoneer, or Deel, you can convert to naira and withdraw to your local bank.

👩🏽‍💻 If you’ve got digital skills, this is one of the most sustainable ways to earn.

10. Jumia KOL Program

Best for: Affiliate marketers and online hustlers

Jumia’s “KOL” (Key Opinion Leader) program pays you commissions for sharing product links and getting people to buy through them.
Earnings are paid in naira directly to your bank account.

🛍 All you need is WhatsApp or Facebook to get started.

How to Set Up and Start Earning

If you’re new to earning online in Nigeria, here’s how to get started:

Get a working smartphone and stable internet
Almost all the apps work best on Android.
Register with the correct bank details
Use your BVN-linked bank account for easy verification.
Stay consistent with tasks
Most platforms reward consistency.
Avoid scams
Never pay to get a job. Stick with verified apps like those listed above.
Refer friends when possible
Most of these platforms boost earnings via referrals.

Common Questions Nigerians Ask

Which app pays money directly to bank account in Nigeria?

Apps like OwoDaily, Opay, Shukran, and Jumia KOL pay directly to Nigerian banks.

Can I earn real money without capital?

Yes! Many of the apps above are free to join and require no investment.

How much can I earn per month?

That depends on effort and consistency. Some Nigerians make ₦10k–₦200k monthly using a mix of these platforms.

Are these apps safe?

Yes. All the apps listed have been used by thousands of Nigerians with good reviews.

Conclusion

The idea that you need to hustle physically to earn is outdated. In 2025, with just your smartphone and data, you can earn money directly to your bank account in Nigeria without stepping out of your house. Whether you’re a student, stay-at-home parent, or employed person seeking a side income, there’s something here for you.

Start small, stay consistent, and watch how your phone becomes your new ATM.