9 Best Referral Apps to Make Money in Nigeria (Updated 2021)

Do you know there are some referral apps to make money in Nigeria? Yes, they are and I’m going to show you a few of those apps that I recommend for people who’re thinking of making money online without a capital.

If you’ve been looking for a way to earn extra cash, make some money online while using your smartphone, or you’re just looking to have multiple streams of income, then you will need to stick around to see how you could make some money with the referral apps I’ll be sharing with you right here.

Before we begin, there are certain things you need to have your mind;

Pros and Cons of Referral Apps to Make Money in Nigeria

1. The amount is usually small

This is the reality you have to face when using these services or mobile apps which ask you to refer and earn. The amount you get per referral isn’t that big enough, but it could be enough to recharge your phone and buy a data plan. 

With this in mind, many people get discouraged and never make any effort. But the truth is: you can make a lot of money from referral apps in Nigeria. 

2. Your earning potential is unlimited

Maybe you don’t know this, but hey, it’s the truth! The key to making much or less cash is dependent on you; how many people can you get to begin using the service, the more people that use your link or code, meet the necessary requirements, then the more you can earn. 

There are lots of smart ways to do this; make use of your social handles, your instant messaging apps, your blog, or website, whichever you have.

3. You don’t need a skill

The apps I’ll be sharing with you today are quite useful in different aspects besides the referral benefits. As useful as they are, they don’t require any form of skill; if you can make use of a smartphone, then these apps will come in handy. 

Generating a referral link or code is quite easy; some even generate these for you. 

So if you’re ready to start making money, join me as I show you these money-making apps…

P.S. All these apps can be found on both the Google Play Store and Apple App Store.

 The Top 7 Referral Apps to Make Money in Nigeria

1. Piggyvest App

Piggyvest is a savings and investment platform that gives you lots of benefits. With Piggyvest, you can save money for rainy days, save up for that project or item you wish to purchase, you could also save just for the sake of saving.

The mobile apps encourage you to develop a saving habit, which for me is really helpful and could help in many ways. While saving – which is the primary aim of the app, you get to enjoy interests on your savings. These interests come in on a monthly basis, and they are much better than what your commercial bank gives you.

You also make money for referring your friends to use Piggyvest; anyone who signs up with your referral link completes their profile, gives you, and that person N1,000 each. The money will be unlocked to your account when the person fulfills all the requirements.

Now, Imagine you send your Piggyvest referral links to like 50 people either on WhatsApp, Facebook or you just recommend the good stuff Piggyvest is doing, and 15 people sign up till they complete their registration, you’ve made N15,000 without any hard labor!

Pretty good, right? 

To start making money from the Piggyvest referral program, click this link to register and you’ll get N1,000.

But you must also complete your registration and deposit some money to show you’re ready to start saving with them. Finally, tell other people you referred to do the same…

Nobody is going to lose, you’re all going to make money from these referral apps.

2. Chipper Cash App

The absence of a unifying currency makes it a challenge to send and receive money across Africa. With Chipper Cash, this challenge is made easier as you can now send and receive money from Nigeria to any of these African countries: Ghana, Kenya, South Africa, Uganda, Tanzania, and Rwanda.

Chipper Cash makes it easier to send and receive money to friends, families, colleagues, and business partners in any of these countries. While sending money, you can make some extra cash by referring your friends to use the Chipper Cash; and you can both make more money by referring more friends to start using Chipper Cash App.

3. Branch App

The branch is a lending platform that offers you personal loans to finance your personal projects. That is; loans from Branch are designed to meet personal needs rather than business needs. With a few easy steps, you get to sign and receive your first loan.

Getting a loan is quite fast after approval, it’s disbursed to your account within 5 minutes. 

Also, Branch offers some of the best rates on interests. If you refer a friend, you both get N500 as a reward. The more people you refer, the more money you will earn.

4. JumiaPay NIGERIA (formerly Jumia One)

JumiaPay, formerly Jumia One, is an app by eCommerce giant in Africa, Jumia. This apps lets you send or make payments online easily. With JumiaPay, you can make bill payments like; cable/TV subscription, electricity bills, airtime, and data. 

You can also make hotel reservations, book a flight, book a ride, purchase movie tickets and also, order for food.

JumiaPay provides a safe gateway for initiating these payments; either from your bank account, debit card, or credit card. Transactions are free, and you also get discounts for certain transactions, therefore, saving money in the process. 

Inviting your friends to use this app gives you N500 when they spend above N500 in purchases or bill payments.

I could remember that I used my first N500 to buy airtime on the same app, lol 

To be serious, JumiaPay is one of the best referral apps to make money in Nigeria, and I don’t need to tell you who Jumia is, do I?

5. Carbon App

This was formerly known as PayLater. In previous times, it offered loans to all its users. A few years ago, it changed the nomenclature to Carbon, and with that change came a lot of functionalities. 

Today, you can take loans, invest money, and make payments securely on the Carbon app. As a Nigerian, you get instant loans of up to N1 million for any purpose.

Everything on the app is done free of charge; free transfer of funds, cashback on an early loan payment, zero charges on bill payments, and collateral-free loans. 

You can earn extra money on the Carbon app by referring your friends. The amount per referral is N500 which you get when they repay their first loan.

6. Cowrywise App

This is another saving and investment platform that lets you save money securely. Cowrywise offers some of the best returns on investment with its awesome rates. It also offers bank-grade security for all your savings and investment.

In a bid to help you earn more, Cowrywise rewards you and your friends for using their services. Basically, you and your friends get N250 when they sign up with your referral link or invite code. Subsequently, you can earn as much as N350 per referral as a Campus Ambassador, or N500 per referral as a Corporate Ambassador.

If you’re in school, you can make money from this referral app in Nigeria by recommending to your course mates, friends, and a blast to student discussion groups (if it’s allowed).

7. FairMoney App

FairMoney is an app with lots of financial benefits. You get access to loans of up to N500,000 on the app with no form of collateral. Once you submit your application, it’s quickly reviewed and you get a loan you’re eligible for. 

Asides getting loans, you can do much more with the app; you can make bill payments, buy movie tickets, purchase airtime and data, all at a discounted rate. Inviting a friend gets you N500 as loan discounts.

8. Luno App

From the title, you should understand that this app lets you buy various kinds of cryptocurrencies, especially BTC and ETH. You can as well sell your digital currency to other users, easy and fast. 

Aside from trading, you can use the Luno app as a wallet to store your money. This makes it easier to conduct trade on the app. For each invited user that buys bitcoin worth N5,000, you get a little token of N250 worth of BTC to start building your crypto portfolio. 

And the amazing thing is that the N250 worth of BTC can turn to N2,500 BTC if the price of bitcoin crazily rises.

To get started, click here to register on Luno and you’ll be awarded your bonus when you buy another coin.

9. VFD Bank App

Ok, off your hat for the big daddy!

VFD bank is just like Piggyvest or Cowryrise but, V has some amazing features that make it stand out among these save and invest apps in Nigeria.

With V Bank, you can send or receive money to/from anybody with any bank account in Nigeria and, you can set daily or monthly budgets, pay bills online, and do a lot of amazing stuff with the V bank app.

VFD Bank is a platform that’s fully supported by award-winning music producer and record label owner, Don Jazzy, and the like of Cubana Chiefpriest with some notable celebrities.

Learn more about Vblank Ng here…

So, how is V Bank a good referral app to make money in Nigeria?

Well, there’s a program called “Veelager” on the platform which allows you to earn by referring people to start their new bank on VFD.

In the first step, that’s if you refer 25 people to start banking with VFD and they did, you’ll earn N30,000 if they start banking just like they do with other banks in Nigeria. 

N30k is not the maximum, if you put everything to this VFD’s villager program, you can earn up to N2m in a month!

To get started, copy this code 👉 N8AXD then go to play store to download the VFD app, enter this code as referral code to start your journaling to the V world. 

And that’s it about – Top Referral Apps to Make Money in Nigeria

Note that few links are affiliate links. If you sign up and start taking action, I may earn a commission, which you can also earn if you refer other people to join you.

I’ll wrap this up here, which of these apps have made you some money? Do you have any others not listed? Kindly let me know in the comment box below.

And if this blog post helps you, can you share with your friends on social media about these referral apps to make money in Nigeria? If yes, click on the floating social media icons here.

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Au revoir!

One Response

  1. Avatar Abiola moronkeji kehinde
    September 13, 2020

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