Top 19 Refer and Earn Apps in Nigeria 2023 [Earn 10K+ Daily]

  • October 2, 2023

One of the smartest and most popular ways of making money online is affiliate marketing. This simply means you refer someone to a product, service, or app, and when they sign up or make a transaction, you’ll get paid a commission for free.

That is why affiliate marketing is so easy. However, a lot of people wonder if this works in Nigeria. Of course, there are lots of refer and earn apps in Nigeria.

Nairarush has come up with 20 of the best referral apps that pay in Nigeria. On these apps, you can earn up to any amount you wish. This is because the more people sign up with your referral code or link, the more money you earn.

If you’re an internet marketer, a fresh graduate, stay at home mom, or a student looking to earn some quick bucks by referring friends to sign up on apps, then follow me, and let’s explore the ones that pay the most money.

How to Refer and Earn in Nigeria?

Like I said earlier, refer and earn is the common Nigerian word for affiliate marketing. This involves recommending online apps, and/or services to people and getting paid when they opt-in. It’s just as simple as that! But how do you refer and earn?

  • Find a reliable referral app that pays in Nigeria
  • Sign up on the app with your correct details.
  • Find the affiliate area, and click to join.
  • Get to understand the App’s referral program by reading the guidelines (this is very important, as it may vary across all the apps).
  • Copy your affiliate link or code
  • Share the code with friends, family, neighbours, and the likes
  • Get them to sign up following the App’s referral program guidelines.
  • Get paid when the sign-up is confirmed (some pay immediately, while some may take hours if not days).
  • Withdraw your money into your bank account, and enjoy it the way you like.

With that out of the way, let’s see some of the best referral apps that pay in Nigeria.


See Also: How to Make Real Money from Your Phone in Nigeria

19 Best Refer and Earn Apps in Nigeria in 2023

Referral apps that pay in Nigeria in 2023 include:

1. Chipper Cash

Refer and earn apps in Nigeria

Chipper Cash is a popular online finance app that offers a lot of financial services including receiving, saving, and transferring funds, as well as investing in stocks.

Chipper cash has a unique referral program that lets you earn up to ₦1000 for inviting friends. The person you refer also earns up to 1000 naira free cash once they sign up with their phone number and transfer money to another chipper cash user.

You can refer as many people as you want. However, the referral earnings may drop at times, but no matter what you will still get paid your commission if done the right way.

Related: How to Sign up on Chipper Cash and Earn ₦1000 Welcome Bonus

2. PalmPay

PalmPay is a very popular online banking app that comes with a lot of reward programs including earning cash back on bill payments, airtime and data purchase, and more. The app also gives a free coupon which can let you get up to 50% off some transactions, get 100 naira data for just ₦1, and so on.

Although PalmPay comes with endless benefits, the best one is the referral program that lets you earn in different ways.

PalmPay has more than one way of making money when you refer a friend. The first is the “Refer and Earn” program that let you earn up to ₦600 for one referral.

Another is the “Invitation” program that rewards you with points for referring friends. You can earn up to 400 points here, and 1 point is equivalent to ₦1. 

These points can be used to buy data, and airtime, pay bills and also convert to PalmCoins which you can use to order physical items on the app.

“Cash Spree” is another referral program that pays real money in PalmPay. You can earn up to ₦500 for inviting friends. Keep in mind that your referral must transact after signing up, or else you’ll not earn the rewards.

Learn More: How to Make Money on PalmPay Fast with Your Phone

3. YellowCard

YellowCard is one of the best cryptocurrency apps that pay to invite people. The app is fairly new and popular among people into crypto, as it can be used to buy and sell different kinds of cryptocurrencies including bitcoin and USDT.

The referral program on Yellow Card is amazing, as you can get rewarded up to 20% commission whenever the person you refer buys crypto on the app.

That is when someone signs up via your referral link, you’ll get up to 20% of the amount of crypto they buy. For example, if they trade ₦10,000 worth of crypto, you could get up to ₦2,000 free money.

The more they trade the more you earn. The Yellow Card referral program is completely passive, and it pays for real.

4. Kuda Bank

Kuda is well known as an online microfinance bank, but it is one of the best refer and earn apps in Nigeria. You can earn up to ₦1,000 for inviting a friend, so your friend also earns a reward too.

The Kuda app is very popular among people that bank online. It is reliable and it also offers other financial services such as loans and investing.

While the Kuda Bank referral program is great, you must have been completely verified (complete the KYC) before getting access to the invitation program.

Related: Best Money Making Apps in Nigeria

5. Risevest

Referral apps that pay in Nigeria

Risevest is one of the most reliable referral apps that pays well in Nigeria. The app can be used for investing in different financial instruments such as dollar investment, fixed savings, real estate, stocks, and so on.

Risevest has two refer and earn programs. The first is the referral program that lets you earn a 3% commission when the person you refer adds money to their account.

The second is the Affiliate program that lets you earn more money. However, to access this program you must have at least $50 across all your investment plans on Risevest.

Related: Top 21 Investment Platforms that Pay Daily in Nigeria

6. Fairmoney

Fairmoney is a popular loan app that lets you earn money online when you refer someone. Amongst all Nigerian loan apps, fairmoney has the best referral program.

The most popular referral program on the Fairmoney App is the one that rewards you with a ₦500 loan discount for inviting a friend. So, the more people you invite, the more loan discounts you’ll get, and you can even convert it to cash by taking a loan equivalent to your loan discount rewards.

Another referral program on this app is the Fairmoney MFB referral campaign that lets you enjoy up to ₦7000 for inviting just one person. This is a promo though. So, it may just be available from time to time.

7. Branch

Branch is another popular fintech refer and earn app that pays real money in Nigeria. Just like Kuda, Branch offers different types of financial services such as receiving, saving, and transferring funds, and also lets you take quick loans.

The Branch app also rewards users through their referral program that pays up to ₦1500 when the person you refer deposits money into their account. The more people you invite, the more money you’ll earn.

Check Out: How to Make 20K Daily in Nigeria

8. Cowrywise

Just like Risevest, Cowrywise is another popular investment app in Nigeria. On this app, you can earn money passively by investing in Fixed savings, trading stocks, and so on.

That’s not the only way to warn on the app, as Cowrywise also rewards you for inviting people. You can earn ₦250 flat whenever the person you invite funds their account.

Once that is done, you’ll get your referral commission credited to your account instantly, and you can withdraw it to your bank account without stress.

Related: Most Legit Investment Companies that Pay Weekly in Nigeria

9. Trove

Trove is another investing app that let you buy Nigerian company shares such as Dangote Cement, and Jumia, as well as invest in foreign stocks such as Meta, Twitter, Tesla, Amazon, and so on.

Trove is also one of the most unique refer and earn apps in Nigeria. This is because the reward system is like no other in the country.

Instead of getting money or points, when you invite someone to join Trove, you can both earn a free stock. As soon as your referral application gets approved, Trove will credit both of your accounts with a free stock of GT Bank or Dangote Sugar (usually 5 shares of the company).

This is a very amazing reward program. You can keep the stock or liquidate it and withdraw the money to your bank account.

10. Opay

If you don’t know Opay, it means you’re still new to the online banking world in Nigeria. The app is one of the oldest and most popular online banking apps in Nigeria.

You can receive, save, and transfer money on Opay. Also, the app lets you buy airtime and data, as well as pay bills, and earn cashback.

Opay also has an amazing referral program that lets you earn up to ₦800 for inviting friends. You’ll get your reward when your friend signs up, and deposits at least ₦1000 into their account.

Check Out: How to Get Opay Referral Code

11. Piggyvest

Refer and earn apps in Nigeria

Piggyvest is a popular investment app in Nigeria that lets you save to meet a specific financial goal. A lot of people have been using the app since it was advertised on the popular Nigerian reality TV show BBNaija.

Also, Piggyvest is one of the highest-paying refer and earn apps in Nigeria. Just inviting just one person you’ll be rewarded with ₦1,000.

Once the referral is valid, your commission will be credited into your Safelock wallet on Piggyvest, which you can withdraw straight into your bank account.

12. Luno

Just like Yellow Card, Luno is another crypto wallet that pays you for inviting friends. The Luno app is well known for buying and selling different types of cryptocurrency in Nigeria including bitcoin, Ethereum, USDT, and so on.

For every valid referral that deposits and buys any crypto, you’ll both be rewarded with bitcoin after 30 days.

So, if you’re looking for referral apps that pay with bitcoin in Nigeria, Luno is worth giving a shot.

Related: Top 10 Monthly Income Investments in Nigeria

13. Umba

Umber is one of the most used online banking refer and earn apps that pay fast in Nigeria. This is because, unlike the other online banking apps, the referral validation process doesn’t take time.

With an Umba account, you have everything you need from your bank. Spend, pay bills, get loans, and cashback all from your phone.

For every valid referral, you get a commission of up to ₦1000. This referral commission changes from time to time. Therefore, it may be way lower sometimes.

14. Carbon

Carbon is a very popular loan app in Nigeria that offers lots of other financial services including receiving and sending money within Nigeria. The app also has an amazing referral program that pays up to ₦500 immediately after the person you refer repays their loan.

Check Out: Games that Pay Real Money in Nigeria

15. Binance

Referral apps that pay real money

If you’re looking for refer and earn apps that pays in dollars, or referral apps in Nigeria to earn free cryptocurrency when you invite someone, Binance is a good one to try.

Binance is a popular crypto wallet platform that lets you trade different kinds of cryptocurrency such as bitcoin, Dogecoin, Ethereum, Solana, Shib, and so on.

When you invite someone, and the person deposits $50 to trade crypto, Binance will reward you with a crypto commission worth up to $100.

16. JumiaPay

Jumia is a popular Nigerian ecommerce platform where people buy different kinds of products online. Jumia has a subsidiary service called the JumiaPay, a financial services/online banking app, and also a payment gateway that can be used to make payments online.

Also known as JumiaOne, the JumiaPay app also has a unique referral program that lets you earn money when you refer a friend to sign up.

For every valid signup through your invite link that buys at least ₦500 airtime, you get a commission of ₦500 which you can withdraw into your bank account.

See Also: How to Start Selling on Jumia in Nigeria

17. Flitaa

If you’re looking for refer and earn apps in Nigeria that pay a recurring commission, Flitaa is a good one to try. It is a cryptocurrency wallet app that you can use to trade bitcoin, USDT, and more in Nigeria.

On the platform, you earn a 0.5% commission every time the person you refer trades and crypto. For example, if your referrals trade ₦100,000 worth of crypto every day, you’ll get free ₦500 every day. The more they trade, the more you earn.

18. Roqqu

Roqqu is a direct alternative for Flitaa when it comes to referral programs. Roqqu is also a crypto app that you can use to trade crypto in Nigeria. It rewards you with a 0.5% commission every time your referrals trade on the platform.

19. SCB Nigeria

Last but not least on this post about the best refer and earn apps in Nigeria is the Standard Chartered Reward Referral Program. You can refer anyone to download the SC Mobile app from the app stores to open a new account through your referral link, add at least ₦2,000 into their account, and you both get rewarded with up to ₦15,00 each.

Referral Apps that Pay in Nigeria – FAQs

What apps give you money for inviting people?

The apps that give you money for inviting people in Nigeria include Chipper Cash, PalmPay, Yellow Card, Piggyvest, Trove, Opay, Fairmoney, Kuda, Risevest, and so on.

How can I earn 500 Naira per referral?

You can earn 500 naira per referral on apps such as PalmPay, JumiaPay, Carbon, and Fairmoney.

How can I earn 1000 naira per referral?

You can earn 1000 naira per referral on apps such as Kuda, Piggyvest, Umba, and Chipper Cash.


Affiliate marketing is undoubtedly one of the most reliable ways of making money online. A lot of mobile apps in Nigeria offer this opportunity. So, if you’re looking for the best refer and earn apps in Nigeria, or Android referral apps that pay in Nigeria, you can sign up for any of the 19 listed in this post and start making money today!