How to Make Money Online with Your Smartphone in Nigeria in 2020

Have you been looking for ways to earn online with your smartphone?

You’re on the right page.

There are a number of ways to make money online with your Android phone in Nigeria and in this post you’ll get to know 12 of them.

Almost everybody wants to make money online in Nigeria (at least everyone who knows what “online” means).

Hence the rush in market, so much competition online, and the quest for ways to earn on the Internet with a smartphone.

Because of this, I took out quality time to garner possible ways you can earn online using your phone in Nigeria. One in 10 persons walking randomly owns a smartphone.

According to Statista, 3.5 billion people worldwide are smartphone users in 2020 and an estimated 300 million people would join this league in 2021.

Android device

Without further ado, I’ll be showing you 12 ways you can easily make money using your phone in Nigeria.

No PC.

No Desktop.

No frequent visits to the Cyber cafe (thanks to iOS).

The truth is; you can start making money with your phone, but it’s not the fast money you’re probably thinking of.

Everything takes time, but it doesn’t take forever. With your phone, I strongly support the idea that you should not just chat all day long till your battery dies.

I’m a big fan of chatting and playing games, but let’s make you some money. That’s what people care about. In this world, money is a defence.

And no matter how funny and likeable you are, you can’t build a house or pay your bills with your hilarity (plain truth be told).

What You Need to Start Making Money Online with Your Smartphone in Nigeria

Before you start anything, you need tools. Not just physical tools, but emotional tools too.

Both category of tools make for winning results at the end your efforts. Without these tools, you’re better off not trying or thinking about it at all.

Here are the physical and emotional tools you’ll need to make money in Nigeria using your phone:

1. Willingness to Work (Emotional Tool)

Eventually, some of the methods I’ll be unveiling shortly can become passive income channels for you.

That means you can be asleep and still be earning with your phone using some of the hacks.

But before that happens, you need to be willing to work for it. Nothing really good comes the easy way.

Just be ready to sacrifice time and some other things to make money. It’s as normal as normal can be.

2. A Good Smartphone (Physical Tool)

You can’t make much money using a Java phone or some phone that’s not a smartphone.

No offence but your efforts would be fruitless. You will need a good android phone or an iPhone to do this.

“Why a Smartphone?” You might ask.

Some of the platforms you get to work with eventually in the process will not respond well on smaller devices, hence the need for a smartphone.

3. A Secure Internet Connection (Intangible Tool)

I won’t be telling you about making money by sending bulk SMS now. So definitely, you’ll be working 90% of the time on the Internet.

This can’t happen without the availability of a server connection or what you know to be data connection.

An internet connection is needed to access the web, register on websites, bookmark pages, and a lot more.

If you’re living under a rock where stable network is a folklore for children, then you’re stuck here.

Otherwise, make sure you’re using a network provider you can trust in the long run.

I’m not recommending.

4. An Average Knowledge of How the Internet Works (Intangible Tool)

Brush up on your knowledge of how the internet works and what browsers are best for what purposes.

It’s very important you know your way around the web so as to avoid lurking behind during registration or in the course of reading this article to the last word.

There’s more but the good thing is you don’t need to know everything.

It’s impossible.

Know what you need to know.

5. A Verified PayPal Account (Intangible Tool)

You must’ve known what this is by now. PayPal is a payment system on the Internet generally accepted globally.

It’s one of the most used methods people, brands, and organizations adopt in sending and receiving funds across the internet.

Unfortunately, Nigeria has been blacklisted by PayPal and it’s only possible to create an account that sends funds.

This means you could create a PayPal account in Nigeria if all you want to do is send money, buy stuff online and so on.

You do the spending.

But you can’t receive 💰.

The good part is; there’s a way to get this done in Nigeria. Some very interesting people like myself will help you create yours for an affordable fee of N12k.

You can earn enormous amount of money in just a day using a Verified PayPal account in Nigeria.

Click here to create one that receives and sends funds in Nigeria.

Other alternatives not as competent and advantaged like PayPal include Stripe, Payoneer, and PayZa.

With all this in check, let’s get to business.

Here are 12 sure ways for you to start earning with your phone in Nigeria without spending huge on capital or looking to rent a store:

  • Android Apps
  • Referral Programmes
  • Freelancing
  • Content Writing
  • YouTube
  • Affiliate Marketing
  • Selling Products
  • Selling Ebooks
  • Blogging
  • Survey Sites
  • Recharge and Get Paid App
  • Instagram

1. Android Apps

Android apps

Android Apps are softwares found in smart phones or android devices.

You can easily install them or they can be sent to you from a friend provided both your phones run on the same Android version.

Luckily, some Android Apps have been developed to help you make money.

Sounds too good?


With the use of your phone, you can quickly install these apps and start using them to make some extra bucks.

All you need to do is understand how they work and you’re set to go.

Here are 9 of these moneymaking Apps you should check out:


Zinoly has been around for a long time and has had thousands of users registered.

Rebranded as Oforum, the App operates a referral system where you send people to the website and when they register, you get a commission from their earnings.

First of all, you need to register on the platform after which a referral link specially for you will be provided.

With your referral link, you can invite friends and convince them to sign up. When they do, you earn some good points.

A good way to utilize this is by being very compelling as you share your link. I’ve seen people who share referral link on their WhatsApp status and do it terribly.

Who’s going to click on that link?

Let’s assume people clicked out of sheer interest, why should they register?

To get the more people to register through your link, use compelling words and give people real reasons to click through.

Give them the breakdown of how the system works and why they should register.

If you run a blog, you could write about it and tell them to use your referral link to get some sort of discount on the registration fee (which they would never find out).

Share your link on forums, social media groups, celebrity profile posts, your WhatsApp status, your social media story, and blog comments about making money using this App.

If you have some thousands to spend on adverts, run Facebook ads mostly and craft your campaign like a pro.

Bottom line: you earn by reading news alone on Oforum, and you get spillovers from the activities of your referrals. was designed to help you sell stuff online and buy stuff too. You can start making money online with SellApp just by installing it from Google play store and signing up.

After you’re done with the registration process, you can upload photos of what you wish to sell.

Just about anything can be sold here. The more items you sell, the more money you stand to make obviously.

Carry1st Trivia

This App pays you to answer questions correctly. To start using the App, run off to your Google play store and install it.

After that, you can sign up and get on with answering questions. The questions are fun to answer.

If you get to answer them correctly, you’ll be on your trip to earning real good. There aren’t much Apps like this one.

Naira Rewards

You can use this App to cash out some extra bucks. All you have to do is install the App and start using it to earn points.

To really make money with Naira Rewards, you must login everyday to earn points which would later be converted into cash or airtime.


FOAP is an App that allows users to sell photos and get paid for real.

So if you get very creative with the camera on your Android, you could end up selling photos captured with your phone and make yourself some money.

A good Smartphone and a little creativity will do the trick.

It sounds easy right?

It’s not that easy. You’ll need some Apps to help you edit the photos and you don’t have to use photos captured using your phone.

If you have any beautiful photo or photos you know people could pay for, get on FOAP.

If you have a good digital camera, you can pick nature as a niche (focus) and start taking photos.

You need to be skilled to make your own photos though, but nobody was born with camera skills.


GoMoney is like a banking application that allows you send airtime, pay bills and more.

Earning with this App happens through the referral programme. When you refer someone, you get 50% of whatever the person deposits after registration.

So if you have a large base of friends, start telling them there’s a new way to store their money and use it easily.

But don’t tell them the good part you stand to benefit.

Tell them the part they stand to benefit and most importantly, how it would make them feel.

Click Worker

Click Worker is another App that can fetch you money with the use of your phone. There are lots of activities to undertake on the App.

All you have to do is install the App and get to work. To earn, you either watch videos, take surveys, test other Apps, and more.

Scooper News

It’s another App you can earn with using your phone. There are two ways to earn here on Scooper news.

The first is through referrals and the second is by reading news.

You literarily earn points and these points are converted to cash straight to your bank account.

There’s a windfall though; You can’t read more than 30 news a day. Which means there’s a limit to how much you can earn with this App.


The Buzzbreak App is one of the best Apps to earn money in Nigeria using your phone. To start earning with this App, install it from Google play store and start reading news.

You earn by reading news and by referring a friend. Upon successful registration, you get 200 points which is $0.002.

If you refer a friend, you get 100 points and the more news content you read, the more points you get.

While this might not seem like a lot, in the long run it sums up eventually to be something reasonable.

2. Referral Programs

Referral programmes

Referral programmes work like this: you register for a fee and get paid a certain commission when you bring someone else to register through your special link.

This is a common path you can tap into to start making money with your phone. It’s not that easy to convince people to join a referral programme.

But that’s where the work usually is.

Here are top 7 referral platforms in Nigeria I can bet on:

  • Piggyvest App
  • NNU
  • Giftal World
  • Cowrywise App
  • VFD Bank App
  • Luno App
  • Branch App

There other referral programmes out there.

But I’d simply give you a tip: BEWARE.

Everyone’s looking for a way or two to scam others on the internet. Don’t be a victim.

One of the best ways to earn through referral programmes using your phone is to write compelling captions attached to the link you share on social media.

3. Freelancing


You can start and build a successful freelancing career using your phone coupled with hard work and brilliance.

What is freelancing?

It’s easy…

You help people do some tasks and get paid at the end of the day upon finishing up with the task.

There are different tasks people want you to do for them, and they’re willing to pay plenty.

These tasks range from writing, programming, creating a logo, managing social media accounts, to translating languages.

These services are just a few of the much.

Using your phone, you can easily start working and earning by installing top freelancing apps like Upwork, Fiverr, and Freelancer from Google play store.

To learn how it’s possible to earn $10k monthly from freelancing and how to make it happen yourself contact me or subscribe to my blog to get the info straight to your email.

4. Content Writing

Content writing

There are lots of websites willing to pay good writers a lot of money for every single article they write.

If you’re a good writer, all you have to do is read their policies and make sure you’re comfortable with their prices before you start writing.

Some pay writers as low as $5 per article.

But if you’re a really good writer, you could earn more than $1,000 writing for just one of these websites.

Here is a list of the top 10 websites that will pay you to write for them:

  • TheKen
  • FundsforWriters
  • BitchMedia
  • MusicTuts
  • BacktoCollege
  • MakeaLivingWriting
  • MoneyPantry
  • SmashingMagazine
  • WritersWeekly
  • WriteNaked

These websites are not Nigerian websites. They’re foreign websites and most of them adopt the PayPal payment policy.

The Nigerian websites that pay you to write for them pay shit money. But you can try them out if you don’t believe me.

Just perform a Google search on the websites in Nigeria that pay writers to write for them.

5. YouTube


YouTube has come to stay.

You must’ve heard of this one. 

YouTube is a video streaming and sharing platform owned by Google INC.

It is currently the second most visited website on the Internet just after Google. And it has turned a lot of users into millionaires.

Thousands of YouTubers have benefitted from the good that comes with having a popular YouTube channel.

You don’t have to register for a fee. Registration is free.

All you have to do to start making money on YouTube is make videos and upload them.

These videos can be anything from comedy videos to list videos (list of the top 10 richest senators in Nigeria and so on).

Earning on YouTube requires patience. You need 1k subscribers and 4k hours of watch time.

That means people have to watch your videos up to 4000 hours before you can start making anything decent from YouTube.

There are other ways to make money on YouTube without waiting to hit the 4k hour watch time threshold and begging everyone to subscribe.

6. Affiliate Marketing

Affiliate marketing

Affiliate marketing has been around for quite some time now and it has been one of the major sources of income for bloggers and internet marketers (people who do legitimate business on the internet).

It’s simple.

You just need to understand how it works and how to maximize your earnings.

How does it work then?

Affiliate marketing means marketing a product on behalf of a company as an agent.

If someone buys that product, you get paid a percentage. This is different from referral programmes, and registration is free.

It’s that simple.

Here are the top and trusted brands that run affiliate programme feature that supports registration from Nigeria:

  • Grammarly
  • Konga
  • DealDey
  • Bet9ja
  • Wakanow
  • Payporte
  • Whogohost
  • Web4Africa
  • Aliexpress
  • Jumia

Although one of the best affiliate programmes on the internet is the one run by Amazon.

Amazon is a top brand on the internet, and they’re worth more than Google (market value is over the roof).

7. Selling Products

Physical products

With the use of your phone, you can easily get on websites that allow you sell products.

One of many websites is

You can create your page on social media networks like Facebook and use WhatsApp to tell the world you have a product or an item for sale.

That’s it.

The product does not have to be your product. The good thing about Jiji is that you can sell just about anything.

So you can help other people sell their items on Jiji and get your profit from the markup you place on the website as the lastselling price.

There are tons of other websites on which you can sell items. And this is just another way to make money with your smartphone.

8. Selling Ebooks


Just as you sell tagible products like shoes, cars, and cosmetics on the internet, you can sell soft items online too.

One of many soft items that can be sold online is knowledge packaged in eBooks and other formats.

Amazon Kindle is the best place to become a millionaire by selling eBooks.

It all burns down to how well you’re good at creating good content people want and are willing to pay for.

Amazon Kindle is an eBook store owned by Amazon. You can easily register and put your eBooks there for sale.

The eBooks are called Kindle, and the more sales you make, the more money you definitely make using your phone.

9. Blogging


Blogging is what many people believe to be an overnight moneymaking scheme.

Don’t be deceived, it’s hard to make money from blogging. But it’s easy to blog.

If you’re patient and determined enough, you can start making money from blogging using your phone.

In Nigeria today we talk of Linda Ikeji a lot. We forget that 2006 is far from now.

And the competition back then is nothing compared to now. Blogging is a means to an end.

It’s a medium to add value to people’s lives.

That value becomes appreciated with cash in the long run, not instantaneously.

To make money blogging in Nigeria with your phone, you can start free at or start professionally using

I highly recommend you go with WordPress to not waste precious time.

Want to know how I made N280k from a 6-month old blog?

Click here to learn how to start a blog and make money from it (no stress).

10. Survey Sites

Survey sites

Survey sites exist to make you money as long as you answer questions about a particular service or product. These websites pay you to air your opinion about a service or a product.

They’re called survey sites because these questions are survey questions and in some way, they help the service or product improve the level of their delivery.

Are you following?

All you need is your phone and a secure data connection to start making money with these websites. You can take surveys from non-Nigerian websites.

But many of the websites owned by foreign agents require you to have a PayPal account for payment to be made.

There are survey sites in Nigeria that don’t really mind. They’re scattered all over the internet and you’re just a Google search away.

But don’t waste your time with them.

Most of the Nigerian survey sites are there to make money off your efforts without ever sending you a dime.

11. Recharge and Get Paid App

Recharge and get paid

There’s an App that allows you to recharge your phone, pay bills, run other transfers and in turn, they pay you.


When you recharge your line, you get paid. When you pay bills, you get paid. It’s called Recharge and Get Paid App. To use this App, install it from Google play store and register.

Registration comes in different packages from N5k up to N100k.

These packages come with a list of features and you stand to enjoy more better features with higher packages.

The programme is designed in a way that consistent users continue earning even after they stop working or dump the App.

It remains a cool way to make money online with your Android phone in Nigeria today.

12. Instagram


I had to put this one last as it’s more elaborate and promising.

Instagram is one of the most used social media networks in Nigeria today with over a billion users worldwide.

Truth is; you can make a lot of money on Instagram using your smartphone.


You either sell a product on Instagram or place adverts on your IG page for companies. You don’t need a shop or a warehouse anymore.

With social networks like Instagram, you can easily start up your business and get customers.

A lot of young Nigerians have been able to earn a living just selling items on Instagram. The best part about this is that you don’t even need to have a capital.

How to Make Money Online with Your Smartphone in Nigeria (Wrap Up)

You don’t need to have a stable PC or even a giant Tab to start working and making money on the internet.

With the use of your smartphone, making money online is a possibility nothing but you can deny yourself of.

If you need further assistance with any of the outlined ways or you want to know a bit more about anything, let me know about it in the comment section below.

How to Make Money Online with Your Smartphone in Nigeria (Summary)

Here are 10 legit ways to make money online with your smartphone in Nigeria:

  • Android Apps
  • Referral Programmes
  • Freelancing
  • Content Writing
  • YouTube
  • Affiliate Marketing
  • Selling Products
  • Selling Ebooks
  • Blogging
  • Survey Sites
  • Recharge and Get Paid App
  • Instagram

What do you think about making money with your smartphone in Nigeria? Are you making money with your smartphone already?

Let me know what you think by dropping a comment below.