Refer and earn apps will pay you to bring your friends, you can easily make extra money as these applications are essential and they also get rewarded when signed up.

When you have used an app that is doing amazingly the reason you downloaded it, chances are high for you to gist about it with your friends and colleagues.

But instead of just letting them know about the great features of it, you can easily make money by helping them to sign up through your unique referral link and you will get paid once they complete an activity worthy of gaining you some rewards on any of the refer and earn apps in Nigeria.

With arrays of growing applications offering different services, you have ample opportunities to get paid online from different mobile apps you use by convincing your friends to join you.

Refer and Earn Apps in Nigeria

If you have friends, refer them and get paid on the following platforms:

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1 PalmPay
2 Fairmoney
3 Risevest
4 PiggyVest
5 Umba
6 Chipper
7 JumiaPay
8 Opay
9 Expertnaire
10 Trove
11 Pocket
12 Kuda

PalmPay

For

Mobile Money

Earn

₦2,100

A point on PalmPay is equivalent to naira and with more growing offerings on the app, you will get rewarded with points for performing different activities.

PalmPay is a mobile money service provider on which you can do things that include airtime recharge, bill payments, shopping to a lot more.

One of the things users like so much about this platform is its cashback that you earn for most transactions you do and the discount on services as well.

The best refer and earn apps should be so interesting and PalmPay does not lack that criterion.

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Fairmoney

For

Banking

Earn

₦ 7,500

Fairmoney is a microfinance bank which can give you a loan of up to a million naira without collateral through its mobile app.

There might be days when you need funds to handle an emergency, you can use Fairmoney to get a soft credit which you can repay back over a period depending on the amount.

It is on this list of refer and earn apps in Nigeria for its up to ₦7, 500 payment in the form of a loan discount each time one of your friends signs up and takes credit.

Everyone has those days they need emergency funds and for that, Fairmoney refer a friend and gets paid program is another referral program to easily make extra money on the side.

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Risevest

For

Save/Invest

Earn

Risevest is one of the platforms that will enable you to save your money but it is famous for its model of allowing you to keep your money in US dollars instead of the naira.

The advantage is that as the naira falls in value against the dollars, the worth of your saving increases when converted to naira.

Because you earn in US dollars when your referral signs up and funds his account, it is one of the best refer and earn apps in Nigeria you should check out.

With an interest of 3% of your friend’s deposit to be paid into your account, you can make a lot of money on the side through the Risevest referral program.

Interestingly, you can invest in US stocks and real estate to earn more returns while enjoying the stress-free refer and get paid program.

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PiggyVest

For

Save/Invest

Earn

₦ 1,000

PiggVest is a savings and investment provider with which you can lock your money up for rainy days.

It also gives you the opportunity to earn on your funds by investing in any chosen service from a listing in different categories that include fixed income assets, agriculture, credit financing, transportation to a lot of others.

Similar to Risevest, this platform has a feature that can help you hold your money in United States dollars and stay safe against the value fluctuations of the naira.

With its tell a friend program, you will be rewarded with ₦ 1, 000 when your friend completes sign up and makes his first saving.

And for its being highly rated, it is one of the best refer and earn apps you can easily convince your friends to sign up for and get yourself a reward.

It is even stress-free, thanks to its win-win model as your friend will also get ₦ 1, 000 once registered and save some funds.

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Umba

For

Banking

Earn

₦ 50

Umba is one of the neobanks, a digital-first provider that will allow you to easily create an account and do financial transactions without having to visit a physical branch.

This digital bank allows you to access ample services that include loans, money transfers, airtime purchases as well as bill payments.

Umba employs a cashback service model. With this, you earn each time you spend from your wallet and through debit cards.

As for money transfers using its app, you will enjoy free transfers to any bank you wish.

While you might already have a bank account, getting another could open you to more other things you probably cannot do with your current institution and Umba being a digital-first, you will have access to a lot.

You will earn ₦ 1, 000 each time a friend signs up with your referral code and spend up to ₦ 100 or more on services like airtime, data purchase, bill payment, etc.

This is one of the best refer and earn apps you will make extra money while helping your friends experience digital banking.

You can earn your first ₦1, 000 by using the button below to download and sign-up. You will only need to add money to your account and send ₦100 to a friend to get your first ₦1, 000. You possibly can get at least ₦2, 000 in 10 minutes today through Umba refer and earn program if you add another friend to whom you will send ₦100.

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Chipper

For

Money Transfer

Earn

₦ 600 / ₦ 5,700

Chipper is one of the best refer and earn apps where you can make some money by inviting your friends to come and use its services.

It is a remittance service provider that gives you access to transfer money between countries that include Nigeria, Ghana, South Africa, Kenya, UK and more.

That is to say, you can do both local remittances to bank and Chipper accounts in Nigeria as well as international transfers to Chipper accounts in other countries.

And the good thing about money transfer on this platform is that it is entirely free between Chipper accounts, making it one of the best platforms to use when remitting money to someone in any of the countries of its operations.

You can access services that include airtime recharge, bill payments, stock investing and more.

Using Chipper, you can also activate a virtual prepaid card which can be used for online purchases. This can possibly act as an alternative shopping card as it is not directly connected to your wallet rather you will need to fund it each time you want to use it.

To claim your refer a friend reward, the person that signed up using your link will have to complete registration, fund his account and send any amount to another Chipper Cash number.

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JumiaPay

For

Payment

Earn

₦ 500

Jumia is a household name when it comes to online shopping in Nigeria.

With its Pay application, you can do more than shopping with services that include airtime recharge, bill payments, loans, bus ticket booking and more.

It also has connections to third-party services like investment, insurance to many others geared towards helping you to access services effortlessly.

You cannot talk about this app without mentioning that you can as well shop or buy your favourite items on its marketplace, thanks to its quick links available under a dedicated shopping section.

With ₦ 500 once the person you invite spends up to at least ₦ 500, the JumiaPay referral program is worth being considered for some quick funds.

Considering you will do less job telling your friends about Jumia since it is well a known brand, it is definitely worth being on this list of best refer and earn apps in Nigeria.

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Opay

For

Banking

Earn

₦ 700

Opay is one of the refer and earn apps with varying activities you can get paid to bring your friends.

One of such is its main referral program where you can earn from ₦700 to over ₦1, 700 per friend who signed up using your promo link.

Other ways you can make money by telling your friends about Opay include its tree model partner program that gives you a good opportunity to earn over ₦100, 000 monthly when the people you refer transact. You can add to your earnings by spreading the news about its debit card, and savings solution to a lot of others.

This provider employs a banking model to enable you to access services like money transfer, savings, bills payment, airtime, loans, and more.

Just like most digital banks, you can get an ATM card delivered to you which you can use to withdraw money and do transactions at any ATM centre closest to your location.

Using Opay, you enjoy a lot of convenient free services and even, and you pay less for things like airtime and data recharges.

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Expertnaire

For

Promotion

Earn

Varies

Expertnaire is a very popular digital product promotion platform where content creators connect with customers.

You can earn as high as over ₦ 100, 000 monthly as a content promoter on this platform. It basically involves you picking some of the advertised content and share with your friends and other people. You get paid when a sale occurs through your link.

Take for instance one of the best-selling courses on the platform about making money online through WhatsApp, these contents could be life-changing and you can make a lot of money promoting useful stuff like this.

While getting started on Expertnaire requires you to pay an affiliate registration fee of ₦10, 0000, chances are very high you will make a lot of revenue promoting deals from its content listing.

The platform creator, Toyin Omotoso who is a popular figure in the affiliate business in Nigeria has the best-selling course called the 72IG WhatsApp Income Blueprint + Implementation Program which sells for ₦60, 000. When you refer a successful sales, you earn up to ₦30, 000 as a commission. The possibilities are endless.

If you crack this, it will be the best you will stick to more on this list of top refer and earn apps in Nigeria.

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Trove

For

Invest

Earn

Investing in stock is now easier, thanks to tech companies like Trove.

Using this platform, you can buy shares of companies in Nigeria and other stock markets by simply logging into your Trove account to look at and compare arrays of brands whose shares are on sale.

Having some investments is a good way to build wealth and with your Trove application, you only need internet and an account to build that future everyone dream of.

While most refer and earn apps in Nigeria give you a bonus in form of currency value, you will be awarded shares of companies on Trove when you bring your friends to join you in stock investing and trading.

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Pocket

For

Payment

Earn

₦ 750

The Pocket app gives you a platform to do financial transactions like airtime recharge and money transfers and it is most popular for giveaways and shopping.

With this application, you earn ₦ 750 each time you help your friend activates his Pocket account.

Its model is more peer-to-peer as your friend who just signed up will need to visit your profile page and tap your Hero badge to earn you your money while he gets ₦ 250.

Unlike other refer and earn apps in Nigeria, Pocket uses a social network model to drive engagement which makes it a fun application to have.

With a growing list of people showing their kindness within the community, you can earn more by participating in special bonus-earning giveaways.

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Kuda

For

Banking

Earn

₦ 200

Kuda is one of the challenger banks in Nigeria allowing you to enjoy banking from anywhere through its mobile app that has robust offerings.

It has a branchless operation hence, your usage of the app is outside of a conventional bank building and you will still get the benefits as you should when it comes to service delivery.

Because of its brand presence, it is one of the best refer and earn apps in Nigeria as you will need to do not much work when telling your friends about this platform.

Kuda’s low-interest rates on loans in form of overdrafts, saving strategy based on your spending, and budgetary feature to allow you to analyse how you are spending and a lot more, there are ample reasons to have a Kuda account.

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You do not only earn investing in things like Agriculture and stocks, you can as well gain by just using some platforms.

With many providers competing for you with innovative solutions, you have awesomeness to choose from.

There will be many applications you will be hooked to for their amazing services, tell your friends to join you and make extra money doing this on any of these refer and earn apps in Nigeria using referral codes.