How to make money online in Nigeria (2024)

If you are looking for ways to make money online in Nigeria, you are in the right place. On this page, we will be regularly updating the top ways you can make money online in Nigeria. If you are looking to make extra income or to make a financial breakthrough, making money on the Internet is an excellent option.

There are many reasons that you should consider making money online.  As a student, you can make extra money to take care of yourself while in school. If you are looking for a job, you can become your own boss on the internet. If you want to become rich, you can do it on the Internet. The possibilities are endless.

How to make money online in Nigeria

Here are the best ways to make money online in Nigeria:

1. Blogging

Blogging is still the number one opportunity to make money online in Nigeria. This is the best and hottest online business in Nigeria and anyone can do it.

Blogging is all about sharing information. It could be about anything. From news, politics, sports, animals, jokes, local stories, or anything at all. You can start a blog about anything.

Once you start a blog, you get traffic to your blog. Then you can use Google AdSense, affiliate marketing, and other methods to make money from your blog.

The wonderful thing about blogging is that if you work hard and build your blog, you will be making money while you sleep. You will wake up and see dollars in your AdSense account. Even while you play, travel, or eat, your blog is making money.

It can make you rich. It can make you a millionaire. But the challenge is doing things right and building your audience. Don’t worry, we have a solution for you. If you are interested in blogging, you should read this: How to become a successful blogger and make money

Creating a blog is very easy. If you are ready to get started now, we will guide you step by step and you will be done in less than 20 minutes. Go here: How to create a blog in less than 20 minutes

2. Affiliate marketing

This is a very reliable way to make money online. If you are good with marketing or you are a good salesperson, you should consider this. If you have charisma and you are the type of person who is good with conversation, you should seriously think about affiliate marketing.

Affiliate marketing is all about recommending products to people online, if they buy through you, you get a commission. It is that easy. All you need to do is find an affiliate network and join. Then pick products to promote. You can promote them on your Facebook, Instagram, any other social media, or blog.

So let’s imagine you promote a product that is worth N10,000 with a commission of 20%. Now you have about 5000 friends on Facebook, 5000 on Twitter, 5000 on Instagram, and some via your blog, WhatsApp, and other social media networks. You promote the product to them and about 2000 of them purchase through your link. That means your total sales will be N10,000 X 2000 = N20 million. And your commission which is 20% will be N4 million!.

The truth is that many people buy products online these days. You can key into it and make money via affiliate marketing. The most popular affiliate networks are Commission Junction, Impact Radius, Linkshare, Jumia Affiliate, and Konga Affiliate.

You can read more about affiliate marketing here:  How to make money through affiliate marketing

If you are looking for an online business in Nigeria that pays, then it is a superb choice.

3. YouTube Videos

If you love making videos on your phone or with a camera, you can make money uploading those videos on YouTube. YouTube is a video-sharing platform. It can make you rich and it can also make you a star!

You can make videos about anything. You can talk about anything. Just upload them to YouTube and share them across your social network. Build your brand. As you get views, use Google AdSense, affiliate marketing, and other methods to make money from your videos.

I am sure you have heard of Mark Angel’s comedy and Emmanuela who became YouTube stars and millionaires. That is the power of YouTube.

You can read more here: How to make money on YouTube

4. Buy and Sell Bitcoin with Binance

Binance is an online platform that has made Bitcoin trading very easy. It is the number one cryptocurrency exchange. As of today, Bitcoin is one of the most lucrative businesses the world over. More and more countries are accepting bitcoin.

The wonderful news is that it is never too late to key into bitcoin. Even if you have never traded before, you can start today and share in the $94 billion Bitcoin market. All you have to do is join Binance. They make it easy and secure to trade bitcoin.

Read: How to start investing in Bitcoin in Nigeria

5. Freelancing

Freelancing is all about applying your skills online to make money. If you are looking at ways to make money online in Nigeria without spending a dime, then this should be a suitable option.

All you need is your skills and talent. You could be a writer, programmer, graphic designer, typist, proofreader, or any skill at all. Just register with a freelancing website. You will find people who are looking for people with your skills. Apply and you may get the work.

As a freelancer, you work from the comfort of your home. All you need is your computer and the internet. It is a very big industry worth billions of dollars.

If you are skilled, you should consider this. You can do it full time and you will be making far more than the average salary in Nigeria. Some trusted freelancing websites are Upwork, Fiverr, Freelancer, and Guru.

You can read more about freelancing here: How to make money as a freelancer online

6. Start your online bank with V

You can start your online bank today with your mobile phone and make money by recruiting people to your bank. You do not need a license or any documents to begin, all you need is your mobile phone! The process is straightforward. You can do this using an app called V. The app is owned by one of the biggest microfinance banks in Nigeria, VFD Microfinance Bank. They are regulated by the Central Bank of Nigeria.

All you have to do is go to the Google Play Store or App Store and download the app. You can click here to download the app from the Google Play Store or click here to download it from the App Store. After downloading, install. Remember to use 4PEYE as your referral code.  Fill out the form and complete your registration.

Now you will have a bank account. It is advised that you at least put money into the app, even if it is just N2000. N2000 makes your account an active account. You can use the app to pay bills, buy airtime, transfer money, do cashless withdrawals, and more.

Now on the app, click on More at the bottom of the screen and then click on start your Bank. It will open to a browser, fill out the form and wait. It might take a day to get approved. Once approved, you will be ready to start your bank!

V banking app
Click on more, then click on start your bank

Once approved, sign in to your agent account. You will see the referral code. Copy it. Then start using it to refer to your friends.  The more friends, the more you earn.

If you refer up to 30 friends who have a combined balance of up to N500,000, you will earn up to N30,000 every month! If you refer 75 friends with a combined balance of N2 million, you will earn N50,000 every month.

For 100 friends with a combined balance of N5 million, you will earn N100,000 every month. If you can refer 250 friends with a combined balance of N7.5 million, you will earn N150,000 a month. Now, if you refer up to 1000 people with a combined balance of N25, million, you will earn N500, 000 every month. Finally, if you can refer up to 2000 friends with a combined balance of N100 million, you will be earning N1 million every month.

Get started and remember to use 4PEYE as your referral code.

It will be an added advantage if you use the app to save and make payments too.

For more details: V bank: How to use, invest and how to make money (V by VFD)

7. ySense (ClixSense)

Have you ever heard of online surveys? Where you are paid to give your opinion on issues by answering some questions? That is what ySense does and more. You get paid on ySense to take online surveys, do small tasks, play games, and more. You are also paid to refer people.

Among all the survey websites, ySense is one of the few that pays to Nigerians without excuse. I have made a few dollars from there taking a few surveys. I got the money! No story.

They pay up to $1.50 dollars per survey, it could be lower or higher but that is the average when you get a survey invite. The good thing about ySense is, even when there is no survey, you can complete tasks to make money.

Among all surveys and tasks websites, we recommend ySense because they pay. They accept Nigerians. To make good money, you need to regularly log in to take surveys and complete tasks. Also, invite your friends with your link to join.

To join and make money on ySense click here

You can learn more about ySense here: How to make money with ySense

If you are looking at how to make money online in Nigeria as a student or in your free time, consider this.

8. eCommerce business

eCommerce business is a business that can make you a billionaire. The richest man Jeff Bezos is into the eCommerce business. I am sure you have heard of Amazon, he owns that.

eCommerce is about buying and selling products online. You can create your own online store and sell products online. You could be the next richest person in your city.

If you do not have money to build a warehouse and store products, you can still do this business without having the products. There is something called dropshipping. All you have to do is create an online shop. Copy inventories for leading manufacturers around the world. When someone comes to your online store to buy, it will be forwarded to the manufacturer or supplier, they will ship the goods to the buyer, get the money and you keep your percentage. You do nothing!

You can learn how to create an online shop here: How to create online shop very easily with Shopify

9. Social Media Marketing

Social media marketing is all about helping businesses, individuals and organizations find their audience on social media. The truth is that most Nigerians now spend their time on Facebook, Twitter, Instagram, and other social media platforms. This has opened up new opportunities for businesses to reach people and make more sales.

To be a social media marketer, you need to understand the algorithm of your target social media platform and how you can use it to convert for businesses or individuals.

As more businesses embrace the internet, social media marketing will keep shining as one of the best ways to make money online in Nigeria

You can go here to learn more about social media marketing: How to become a social media marketer

10. Social media networks

If you spend a lot of time on social media platforms. Why not make some money off it? Whether it is on Facebook, Twitter, or Instagram, you can always make money. There are many ways to do this. You can use Affiliate marketing, sponsored content, and more. We have a guide on how you can make money from each of the major social networks, find them below:

To make money on Facebook: How to make money on Facebook

For Twitter: How to make money on Twitter

To make money on Instagram: How to make money on Instagram

Using social media platforms to make money online in Nigeria is cool since we all spend most of our time there, anyway!

11. Cryptocurrency

Cryptocurrency is still on the rise. After Bitcoin burst onto the scene, a lot of other Cryptocurrencies have emerged. Gradually, many businesses are accepting Cryptocurrency as a form of payment. There are opinions that it will someday replace the money we have now. Whether that is true or not, you should consider investing and making money from Cryptocurrency.

All you need is to study and understand the market. Buy when it is low and sell when it is high. There are many ways you can make money with Cryptocurrency.

In the years to come, Cryptocurrency will remain a very good option to make money online in Nigeria

12. Create an online course

Online course makes it to our list of top ways to make money online in Nigeria. This is because of one factor: It has the potential to make anyone rich, but it takes a lot of effort.

Online courses are all about teaching people skills and strategies online for income. Let’s assume you are good at Graphics design, Web development, Business management, and so on. You can create a course and teach it to people around the world. These people will buy your course.

There are many millions of people around the world who are learning online every day. The internet is currently the number one classroom. You can key into it and make money.

There are many platforms that make teaching online easy. Platforms like Teachable, Udemy, Skillshare, and more.

You can learn more here:  How to make money creating and selling online course

13. Trade Forex and binary options

Forex is all about currency exchange. You can make good money dealing with forex. As long as the world does not use one currency, Forex will continue to be a big income stream.

Binary options is like forex trading but easier. You have options, basically, to predict if the price of a particular currency or commodity will go up or come down. And you make money from it.

With a platform like Deriv, you can trade forex and Binary Options easily. Click here to sign up 

14. Sell on Konga

From the comfort of your home, you can make money selling on Konga is one of Nigeria’s biggest online stores with millions of users every month.

You can take advantage of this big platform. Create an account with them. Source for trending products, list them on Konga, and sell them. When people order a product, you get logistics companies to supply it. Or allow Konga to handle delivery for you while you make money.

You need not have a warehouse to sell. Just have products! Read more about it here: How to start selling on Konga

15. Sell on Jumia

Jumia is another big online platform in Nigeria. The website is one of the most visited websites in Nigeria. The visitors of the website are looking to shop for different items. From electronics, phones, clothing, household items, books, and more.

You can open a store with them and sell them. Source for product and list on the website. Once people buy, you deliver and get paid.

The good thing is, you can do this from home. You do not need a physical shop, you can sell online. Read more here: How to start selling on Jumia

16. Take a chance with Pi Network

Every once in a while, new ideas or technology emerge that change the world. The people who embraced this technology early became wealthy and successful. One such technology is Bitcoin. When Bitcoin was introduced in 2008, so many people laughed it off. At that point, it was easy to get as much Bitcoin as you wanted. It was not until many years later that Bitcoin became a big deal and made everyone around the world who believed in it rich. It is hard to know which new ideas will become big. But there are some signs that can help us take a chance.

Pi is a new technology that might become a big deal. It is a cryptocurrency in the making. One that is run by the people. While Pi is not fully ready, it is almost. And people who take advantage to join the movement will gain massively if it becomes successful. Currently, it has over 3.5 million people supporting it worldwide. Once it gets to 10 million, it might be difficult to get in and earn much.

All you have to do is download the app. You can click here to download for android phones or click here to download for iOS. Install the app on your phone. Use mfonabel as your referral code. Without a referral code, you will be unable to use the app. Once you are registered, make sure that you verify your account. You can do that with a phone number or Facebook. Then invite your friends. You can check the progress once a day or leave it like that. It mines in the background and consumes no battery or data.

That is all! You spend no money at all! If it eventually becomes the next big thing, you can be happy you did believe in it! Since it costs nothing, there is nothing to lose.

17. Become a skit maker

Entertainment has gone digital. Skit makers are people who create entertaining or engaging short videos and share them across various social media platforms like TikTok, YouTube, Instagram, Facebook, and more.

Becoming a Skit maker can make you money and also make you famous. There are various ways to earn from it such as sponsored content, brand collaboration, monetization with Google AdSense, Affiliate marketing, and partnership programs with various social media platforms.

Examples of successful skit makers in Nigeria include Sabinus, Mr macaroni, Taaooma, Brother Shaggi, and more. All you need to get started is a phone that can make videos.

Read: How to become a successful skit maker

18. WinApay

WinApay is a very innovative way to make money online in Nigeria. You get paid to answer questions! If you have a good understanding of different topics ranging from politics, sport, fashion, health, and more. You can answer 10 questions that are not difficult and win N2000 to N5000 for every round you play.

You can use this to make every day productive and make good money. However, if you really want to make big money with WinApay, you should consider becoming an Affiliate. As an Affiliate of WinApay, they pay you N1000 for every person you register to WinApay as an affiliate.  Let’s say you refer 1000 people to WinApay each month. That will be 1000 X 1000 = N1 million! In a month you have made one million.

However, to activate your affiliate account, you have to pay N1500.  All your earnings are paid straight into your bank account, and you can withdraw them at any time.

You can register and make money on WinApay by answering questions or as an affiliate by clicking here.

You can read more about WinApay here: How to make money on WinApay and how it works

If you are looking at how to make naira online, this is a good choice.


There are many ways that you can legitimately make money online but ultimately, you commitment and consistency is important if you want to succeed.

How can I make money online in Nigeria with my phone?

You can make money with your phone by completing online surveys, doing affiliate marketing, making videos for YouTube, Freelancing, and trading cryptocurrencies.

How can I make money online in Nigeria without investment?

If you have skills, you do not need any investment to make money. Just register on any reputable freelance platform and start using your skills to get jobs. You will get paid when you complete the job.

Read: Most lucrative businesses in Nigeria

Related: Legitimate online jobs in Nigeria that anyone can do from home

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Mfon Abel Ekene

Mfon Abel Ekene

Internet scientist and blog expert. Loves writing, researching and helping people reach their dreams. Speaker and authour.
Follow me on Twitter @mfonabel

Articles: 29


  1. Youtube is really nice if you know what you are doing. I also make money from fiverr! Thank you for this comprehensive post!

  2. Hi Mfon
    I like the your article but as a Niaja boy, how do I become an affiliate marketer in Nigeria
    How do I start? and how much do I need?

  3. This is good. You pointed some of the legit ways of making money. Freelancing is a good way to start and build yourself.

  4. It is my very first time visiting your blog and I’m very interested. Thank you for sharing and keep up

  5. Thanks so very much for sharing this informative materials. I’m visiting your site for the first time and I love it. I will like to implement what I’ve read. Thanks again.

    • Nice one bro,Will love to be part of it.I make so much from tricycle biz aka keke biz and Drones in Nigeria.

  6. I saw a website online recently called, they post a lot of make money online tips I just know if any of you have visited the site. Please, author, help me confirm if the site is ok.

  7. Great info. Thanks for a job well done. You can also make money by publishing books written by other writers on amazon to make regular passive income every month. This is a new business trend and it’s making lots of money for Nigerians. Don’t worry about start up capital, no need to hide your IP location, you will earn money in foreign currency such as dollar , pound , Euro and lots more.

  8. I love this post.
    Am already into Affiliate marketing, and its paying me well. Now am thinking of moving to Frelance

    • Thanks for this information what a good writer we have here

      I’m a Copywriter sir

      Do you need employees?

  9. Very nice write up I have being using this site to make money for a while now they are called nnuforum you can read more about them or register through the link below for more information
    Making ₦10,000 – ₦50,000 on NNU Income is 100% sure and guarantee monthly if you join us today, understand the concept and take action. With one time payment of only ₦1,400, a lot of Nigerians have been earning ₦50,000 – ₦100,000 monthly on NNU Income Program.

  10. So educative and informative, I think I will try five to six options listed above and probably through your link. Thanks so much for the info.

  11. Nice one my brother, very comprehensive. I have made a post on this topic on my website too but I will like to share the one I wrote with a deep analysis on Mini Importation (ecommerce), without trying to inconvenience your readers I will like to share it here and maybe it might be helpful.

  12. Oh my, I really appreciate this list. Thanks these are legit ways to make money especially the blogging part

  13. You can also earn money on radlar by performing site activities, they actually do pay for activities performed.

  14. Looking around the quality and well detailed information contained in this article, it’s Certain you have your readers at heart. I personally appreciated this read and I am sharing this post to Facebook.

    That’s my own way of being grateful.

    Keep it up.

  15. I love this, may God bless u for the information, to be frank, I’av been facing some financial challenges, I just pray this work for me, thanks ones again.

  16. I have been looking for information on this topic. Thank you!
    We provide the best ISO 27001 Certification in Nigeria

  17. I am a graduate but a graduate without any money is nothing in the world so now I want to make it online to get my money thanks.

  18. Beautiful. I suggest you add network marketing to the list. I have been making money through Network Marketing for 6 years now.

    It’s should be included too.

    Nice article

  19. This post is a very good one, Yo have done Noble for doing this, may the good Lord keep guiding and lifting you up,

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