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Refer And Earn Apps In Nigeria 2021

Refer and earn apps in Nigeria 2022

Refer and earn apps in Nigeria 2021

Refer and Earn apps in Nigeria have for long been an extra source of income for many people in the country today. Therefore, if you are also interested in learning about them, this article is for you.

A lot of Nigerians are currently looking for how to make money online but some are yet to discover this particular method.

Yes, with the Refer and Earn apps in Nigeria, you are required to invite your friends to use a particular app through a unique referral link provided to you by the app. The more people you refer, the higher your income.

An interesting thing about these apps is that the people you refer are also opportune to make money from the app the same way you did.


So, let’s review some of the best refer and earn apps in Nigeria below;

Best 15 Refer and Earn Apps in Nigeria

With these apps, a lot of people have testified that they make over N10, 000 weekly which simply implies that you can make higher than that too.


So check them out below;

  1. Chipper

You will always find Chipper in any list of they refer and earn apps in Nigeria because most people can testify to its legitimacy including me.

This app is a remittance service provider that allows you to send and receive money with fewer charges. It is available in many African countries including; Nigeria, Kenya, Ghana, South Africa, and more. Therefore, international transfers are allowed on the app.

The chipper app became very popular after the started giving out free N1000 to both the referrer and the referred person. At the time, it became a good source of money for people who had many friends to refer to.

  1. Opay

Opay is another great app that fits into this list. This app serves as an online bank to most people. With it, you can make transfers, save, pay bills, buy airtime, take loans, and many more.

Opay has a referral program where you can earn more than N700 per person you referred to the app through your referral link.

It doesn’t end there because there is the possibility that you earn up to N100, 000 depending on how often the people refer make transactions.

You also earn more by promoting the Opay Debit card online. This card is compatible with ATMs just like the regular bank ATM card.

  1. Branch

Branch is one of the best loan apps in Nigeria. Therefore, whenever you need cash urgently, this is the go-to app for you. You can lend up to N200, 000 depending on how often you use the app.

Meanwhile, you can extra cash by referring your friends as you will be rewarded with N1500 while your friend will be rewarded with N500.

You will only benefit from this when the referred person has borrowed their first loan and repaid it. Also, ensure that the person uses your unique promo code during the borrowing and the repayment process.

  1. JumiaPay

JumiaPay is one of the oldest refer and pay apps in Nigeria. Meanwhile, you already know that Jumia is the leading eCommerce platform in Nigeria.

Therefore, it may be difficult to doubt the legitimacy of any of their product.


JumiaPay is a product of Jumia designed to make purchases, buy airtime, pay bills, buy bus tickets, and many more.

You can earn up to N500 on each person you refer providing that they have spent up to N500.

Convincing your friends to use the JumiaPay app may not be difficult because Jumia is well known in the country.

  1. PiggyVest

Piggyvest is not new in the world of saving and investment apps. It is an app made for people who which to lock up their money for some time.

Aside from that, they provide the opportunity for you to earn more from investing in specific programs available on the platform.

This app can also help you hold your money in dollars in case of inconsistency with the Naira currency.

You will earn N1000 for referring your friend to this platform as long as he/she completes the signup process and save their first saving. Your friend too will be rewarded with N1000.

  1. Kuda

It is no longer news that Kuda is one the most popular and used mobile banks in Nigeria. Even though they have no physical branch, they provide quality service and have also built trust with their customers.

Therefore, referring your friend to use them will be a less difficult task. Also, kuda bank charges are very low compared to the traditional banks we all know in Nigeria.

You will earn N200 for each friend that you refer.

  1. Palmpay

Palmpay is another mobile money service app that has been around for a while now. With it, you can recharge airtime, pay a bill, shop online, and a lot more.

There are a lot of activities that you can do on this app to earn a few points. On palmpay, the point is the same as Naira.


Therefore, the more you refer the higher your points. You also get a discount on most of the transactions that you do on the app.

  1. Abeg

The list of referring and earning apps in Nigeria may not be complete without including this app.

Just like many other apps on this list, the Abeg app is designed for you to make online financial transactions like transferring money, buying airtime, paying bills, and many others.

The app rewards you with N750 for every successfully referred person. Meanwhile, the person you referred must have activated his account.


Abeg also have kind of a social media section where you can relate with others and also benefit from giveaways

  1. Umba

Umba is a virtual bank where you can carry out various financial transactions without having to leave your comfort zone.

With it, you can make purchases, transfer money, buy airtime, and pay bills, among others.

You earn bonuses whenever you spend from your wallet or make use of your debit card. Also, you won’t be charged any amount for any transfer you make.


The referral program offers you N500 for each person that signs up through your referral link and has spent up to N100. You might also like 18 Lucrative Businesses You Can Start From Rural Areas in Nigeria

  1. Fairmoney

Fairmoney is a loan app where you can loan up to a million naira without collateral. Therefore, whenever you need cash you can always visit the Fairmoney app. You don’t also need to worry about visiting a physical branch as they have none.

You will earn an N500 loan discount on each person that you refer to the app. So don’t be surprised you are finding it on this list of referring and earning apps in Nigeria.Read on 6 Ways On How to Track A Lost or Stolen Phone Fast in 2021 (CHECK NOW)

  1. RiseVest

RiseVest is a saving app that allows you to earn money from referring your friends to the platform. You will earn 3% of your friends’ deposits.

RiseVest and PiggyVest have a lot of things in common and some of them include; saving your money, investment opportunities, keeping your money in dollars, and a lot more.


Also, you can in Real Estate, and US Stocks while you get a lot of profit in return.

Read on How to Make 20000 in a Day

  1. Cowrywise

Cowrywise is one of the oldest saving and investment apps in Nigeria today. Their referral program pays you N250 per person that you refer.

All you need to do is download the cowrywise app on the Google play store, sign up, navigate to your referral link, copy it, and ensure your friends download and sign through the link.

  1. Trove

Trove is a brokerage app that allows you to buy foreign stocks from both foreign and local companies.

The referral program of this company allows you to get free shares from big companies like Dangote and GTBank. All you need to do is visit their official website to get started.

  1. StanChart

StartChart name is gotten from Standard Chartered bank. This bank has an app that provides you with the opportunity to make money from the comfort of your home.

They have a referral program that offers you N200 for each person that you refer to the app.

Meanwhile, for you to qualify for this offer, the person you referred must have completed his/her registration and made the transaction of at least N500.

  1. Flitaa App

Flitaa app is another refer and earn apps in Nigeria that deals with cryptocurrency. With it, you can buy different kinds of cryptocurrencies.

So in case you are a fan of crypto then this one is for you.

You will 0.5% commission on the transactions made by your referrals. So the more people you refer the money income. This post will Wow you Chinese Sites for Mini Importation-KelGloba



I believe you now know the best refer and earn apps in Nigeria 2021. All you need to do is follow the required registration process to get started.

Meanwhile, we discovered that there are a lot of people online searching for these opportunities. So you should ensure that you share this article with your colleagues online who might also be interested in the Refer and Earn Apps in Nigeria.

Also, don’t forget to share your thoughts in the comment section below. Thanks reading.


Please if you know more refer and earns apps in Nigeria, kindly share them in the comment section

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