Refer and Earn Apps in 2024 You Can Use to Make 6 Figures

Earning as a Nigerian should be one of the most important questions anyone in 2024 should consider because the country keeps worsening despite several government strategies. How to make money online is one of the most searched keywords in Nigeria, as Nigerians are looking for ways to make money online by doing tasks. 

Well, in this article, we've made it easier for you to start by curating some of the country's refer and earn apps in 2024 that you can do from the comfort of your home without the need to engage in strenuous activities. Most earning apps in 2024 involve you inviting friends to download and sign up for an app, and once they are successful, you get a commission and pay directly to your bank account.

The list you're about to see has one of the best referral programs in Nigeria, with good reviews from past participants. If you're serious about this agenda, you can rack in more than 200k monthly, but it depends on you. Are you ready to see the best money making apps in Nigeria? Before the topic proper, check the list below to see the best refer and earn apps in Nigeria for 2024. Let's dive into the topic properly so we can put you on the journey of how to make money in 2024.

Top 20 Refer and Earn Apps in Nigeria for 2024

A quick look at our top 20 refer and earn apps in Nigeria for 2024. 

1. Piggyvest

2. Branch

3. Palmpay

4. Opay

5. Risevest

6. Fair money

7. Carbon

8. Chipper Cash

9. Luno

10. Kuda 

11. Trove

12. Abeg App

13. Trove

14. Flitaa

15. Sowget

16. Stan Chart

17. Jumia Pay

18. Cowrywise 

19. Roquu

20. Alat

Now that you have seen the list of our best referrals program in Nigeria, it's time to see how much referral bonus you can earn from this money making apps in Nigeria.

1. Piggyvest 

Making money online from Piggyvest in 2024 is one way to grow your income without hassle. Piggyvest is a savings and investment app that nurtures the younger generation to grow a savings culture. 

With Piggyvest, you can save some spare cash to help you in times of distress. All you need to do is sign up for the app, follow the steps, and get started. Your money's savings run for as long as you want it to remain in their hands. The longer the period, the bigger the return on investment (ROI).

All you need to do to earn from the Piggvest referral program is invite as many friends as you want, take them through the right steps of signing up to the app with your referral link, and earn N1000 for each successful referral. This will encourage more people to learn how to save and invest while also tipping you for doing the advertising on your end.

2. Branch App

If you're in search of how to earn N100k monthly in Nigeria from refer and earn apps in 2024, then the Branch loan app referral is a place to start. With Branch, you can get loans for personal or business-related issues with the Branch loan app referral scheme, which is a quick process when you're eligible. They offer one of the best referral programs in Nigeria, making it a lucrative job for people who can be consistent. To amaze you, statistics have shown that University students mainly engage in rigorous active referral searches for the Branch network. 

Is this possible? Yes, if only you could be consistent. I'll be putting you through the process shortly. 

To qualify for the Branch referral program, you have to invite your friend to download the app. Before they complete their registration, they will be asked to input a referral code, which is yours. Upon completion, you get N1500. All these things should be done with your phone! 

You only need to download the app, register, and get your invite code to get started.

3. PalmPay

Making money online in Nigeria is easy with the PalmPay referral bonus. They offer many services, including secured savings, loan schemes, and investments. PalmPay operates just like normal banks, so there's no need to be scared about your money missing. They also offer 24/7 customer service in case you experience any hitches along the way. 

Their referral program is epic. Many have made millions by referring people to sign up to PalmPay with their referral code, which notifies PalmPay that this new user joined because of them.

PalmPay loves this and will, in return, credit you with N1200 while the user gets a token to purchase airtime or data. Just imagine you're an influencer on social media, and you refer 200 persons a week… Great, right?

That is why the PalmPay referral program is one of the best in Nigeria—they also offer mega bonuses, which I'll show you soon. But for now, if you're new and want to make money with referral links in Nigeria this year, sign up to PalmPay and start inviting your friends with your referral link.

4. Opay

One of the easy ways to earn money online in Nigeria 2024 is to utilise the Opay referral program. Their commission changes over time, which is a great opportunity for anyone wanting to earn through refer and earn apps in Nigeria.

To get started, you must sign up for Opay and get your referral link, which you will share with your prospects. The more successful referrals you make, the bigger the commission you receive.

Opay operates as a microfinance bank (MFB), meaning you can save your money and remove it anytime, except if your money is locked in their savings section. I'll teach you how to operate an Opay account seamlessly without experiencing issues.

5. RiseVest

Well, this is just like the famous Piggyvest, and one can save money on the platform, but this money you save will be in USD (dollars).

RiseVest operates just like Piggyvest, but the difference with this savings platform is that you save your money in USD instead of Naira. This can be an interesting technique for those looking to grow their portfolio with the fall of the naira. 

However, that's not all, because this is one of Nigeria's best money making apps. You get paid 3% (0.03) of any money saved by a prospect, better known as referrals. Imagine bringing in a referral through your link, and they invest $1000. That means you will be paid $30, which is cool cash, without doing any work.

The RiseVest referral program is one you can check through to earn in dollars by just bringing in referrals.

To get started, you need only sign up and send your referral link to those who wish to register. In addition to the referral program, Rise also has categories for investment, which means you can choose between investing in real estate or stocks yourself—this can boost your earnings.

6. Fair Money App

FairMoney app referral bonus is another way to make money online in Nigeria. The app gives Nigerians the privilege of getting loans and offers a referral program of N500 commission for any successful prospects.

To get started, all you need to do is download the app, sign up, and refer your friends. Once they acquire a loan and pay it back, you get N500 off your existing loan. This means you can use referrals to clear your debt, which in turn becomes free money from FairMoney. However, this is only achievable with consistent individuals. 

Don't take a loan thinking you will use referrals to clear your debt because you might not be lucky every day. The main purpose of taking a loan is to pay it back, right? So, you should have a means of paying back if referrals don't come through as expected.

7. Carbon App

Mobile apps that pay in Nigeria are increasing daily, and a referral program is one way these apps advertise nationwide. Carbon app referral bonus has assisted many with funds that were used to offset bills. To get started, all you need to do is sign up and refer your friends. 

Carbon is mainly a loan app but can also be used to save funds or invest. To get your commission from Carbon, all you need to do is invite friends, and once they have successfully signed up, collected a loan, and paid it back, you get N500. The work same way as FairMoney.

It's important to know that as we look for easy ways to earn money online in Nigeria, it's good to stay away from loan apps if your goal is to receive and run without paying. It might not end well!

8. ChipperCash

You earn N500 for each successful referral with the Chipper Cash referral conditions. All you need to do is sign up and invite friends with your referral link, and after a successful completion, you get your commission.

Chipper Cash operates as a money transfer platform that allows you to send money to other countries such as Nigeria, Kenya, Ghana, South Africa, and the United Kingdom, making seamless transactions within these regions easy.

9. Luno App

This is one of Nigeria's best refer and earn apps that credits Bitcoin as a referral bonus. With the Luno app referral Bitcoin reward, you get N250 worth of BTC once you invite a new person to the app and they transact cryptocurrency worth N5000 and above.  

Once you get the commission, you can transfer it to the bank and withdraw anytime, which means the more you refer, the more you earn.

With Luno, you can buy cryptocurrency seamlessly. They have existed since 2018, making them a major player in the crypto ecosystem in Nigeria.

10. Kuda Bank

Kuda Bank referral bonus is N200 for all successful persons you refer. Kuda Bank is a microfinance bank (MFB), which means that you can save money anytime and withdraw anytime. With its past cashless policy, the bank rose to stance, making it one of the major players in the industry.

To get started with the referral program, all you need to do is sign up and invite friends through your referral link. When they successfully sign up, you get your commission.

11. Trove

Trove is a brokerage app in Nigeria that helps users buy shares from big global companies such as Tesla and Amazon. The app also lets users buy stocks in some public limited companies (PLCs) in Nigeria.

So, how do they pay for their commission? Lol… I know you're in a hurry to earn.

To get started, you have to invite your friends. Once they are successful, you get 5 shares of Dangote Sugar or GT Bank, which are 100% free.

12. Abeg App

Abeg became very popular after sponsoring Big Brother Naija's sixth season. They offer a peer-to-peer system that enables Nigerians to send and receive money from friends seamlessly and effectively.

With the Abeg app referral bonus, you get N500 for each referral you make successfully. While those who are referred get N100 for creating a new account. The more you refer, the more you win.

13. Flitaa App

The Flitaa cryptocurrency referral program is one way to earn from referrals. Flitaa is a cryptocurrency buying platform that allows Nigerians to experience seamless transactions while trading crypto. 

In the Flitaa cryptocurrency referral program, you earn 0.5% of each successful referral commission per transaction.

You need to only download their app from the Play Store signup page, get your referral/invite link, and get an amazing commission based on the numbers you bring.

14. Sowget

Sowget is one of the best apps to make money in Nigeria through referrals. Their e-currency exchange referral is also one of the best referral programs in Nigeria, as you get 40% for each successful referral.

The company, located in Ogba, Lagos, is also said to be one of Nigeria's fastest-growing e-currency exchange websites.

The company is a big crypto exchanger, dealing with some of the best digital currencies, such as Bitcoin, USDT, Dodgecoin, Deriv, AstroPay, Perfect Money, etc.

When you refer a new prospect, you will be paid for every transaction your referrals complete. Sowget gives you 40% of their profits from every transaction your referral makes. There is no limit to the number of people you can invite to join Sowget.

15. StanChart

StanChart, also known as Standard Chartered Bank, offers a referral bonus of N2000 per referral for all successful invites.

To get started, all you need to do is invite friends, after which they complete their registration. You get N2000 after they transact N500 or more into the account to confirm that the account is valid and active.

16. JumiaPay

JumiaPay, previously known as Jumia One, gives N500 per referral for each person you invite. With the commission, you can purchase things from Jumia, such as airtime, gadgets, electronics, etc. 

That means the more you refer, the greater your commission will be. To get started, share your referral link with your friends, who will sign up.

The disadvantage is that you can't transfer it to your bank account, but it can only be used to buy from Jumia.

17. CowryWise

Cowrywise is known as an investment and saving app for Nigerians. Through its referral program, users can earn more than N3,000 daily. 

They pay N250 per referral when your referral makes their first deposit on the platform.

18. Roqqu App

The Roqqu app allows users to buy and sell cryptocurrencies. Through its referral program, users are paid a commission in crypto for inviting their friends.

When your referrals on roqqu purchase crypto, you earn 0.5% of their transaction.

19. Alat

ALAT is another way to earn. All you must do is join ALAT by downloading the app from Google Play or the Apple App Store. After you have successfully registered, you can invite your friends to sign up using your referral link. Once they complete the registration, you get N500, while your referral gets N200 of airtime or internet data.

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