Top 8 Refer & Earn Apps in Nigeria

Refer & Earn Apps in Nigeria

Hello and welcome to the blog, today we are looking at top Refer & Earn Apps in Nigeria.

Are you looking for ways to make money? We all need money to meet various expenses, such as school bills, cost of living, etc. 

However, it is not easy to make money. Unless you are willing to take up a part-time job, there aren’t many options available. 

But lucky for you, there are also Apps that can help you generate some income from your smartphone. 

These types of Apps are called Refer & Earn Apps in Nigeria. 

With these types of Apps, you can refer your friends and family members to the App and in return get cash rewards or tokens from the company running the App. 

In this article, we will explore more about the benefits of using these types of apps and tell you about some great examples of them.


What are Refer & Earn Apps?

You can earn money or tokens from the app’s developer just by referring your friends and family to use the app, thanks to “Refer & Earn” programs.

These points can be redeemed for merchandise or cashed out for use in a variety of ways.

You may easily and quickly make some extra money with a “Refer & Earn” app.

These apps function by letting you share your personal referral link with your contacts, allowing them to ask their own friends and family to join the app.

You will receive a cash reward equal to a percentage of your invited users’ initial App sign-up amount when they join using your referral link.

Why Should You Use a Refer & Earn App

 It’s Free to Join. You don’t have to pay a thing to join these Apps. All you have to do is download the App, create an account and then find the “Invite Friends” or “Invite Your Family” option. From there, follow the steps to invite your friends and family members to the App. 

You can invite as many people as you want, and they don’t have to do anything to benefit from it. They don’t even have to accept your invitation. –

It’s an Easy Way to Make Money. If you belong to a demographic that is considered more tech-savvy, then you can use these Apps to make money. 

All you have to do is download the App, create an account, invite your friends and family members, and collect your rewards. 

 No Experience or Qualifications are Required. Unlike other methods of making money, you don’t need any experience or special qualifications to use these Apps. 

You just have to be 16 years or older and have a smartphone. That’s it. 

No Special Start-up Cost. Unlike traditional ways of making money, you don’t have to pay any upfront cost to use these Apps. 

All you have to do is download the App, create an account with your details, and then invite your friends and family members using the App.

How To Use A Refer & Earn App?

Install the App on your Smartphone 

First, you need to download the App from your App store. 

Create an Account – Once the App is installed on your smartphone, create an account with your details. You can use your Facebook account to log in and sign up for the App. 

 Invite Your Friends and Family Members to the App 

Once you have created an account and logged in, you can then find the “Invite Friends” or “Invite Your Family” option. From there, follow the steps to invite your friends and family members to the App. 

You can invite as many people as you want, and they don’t have to do anything to benefit from it. They don’t even have to accept your invitation.


Top 8 Refer & Earn Apps in Nigeria



PalmPay offers a point-based system where one point is equal to one naira, and as the app expands, users will earn points for various actions.

On Palmpay you get paid with a coin which you can later convert to Naira. You get instant N2000 but you need at least 2 more referrals to withdraw. 

The more you invite, the more you make.

Refer & Earn Apps in Nigeria

Users like the site’s ability to provide them with cash back for many of their purchases and discounts on other services.

PalmPay meets this need, along with others that should be met by the finest recommend and earn apps, quite well. 

I wrote a post on how to start a POS business with PamlPay, don’t forget to read it.

The PalmPay mobile money program allows you to do everything from top-up your phone’s airtime to paying your bills to make purchases.



Shopbox is an App that connects retailers and consumers. 

What makes Shopbox unique is that you can use your points to buy products from retail chains or supermarkets. 

Shopbox also has a Refer & Earn section where you can invite your friends and family members to and earn Shoppoints

Kuda Bank 

Kuda is a Nigerian Virtual bank with a powerful mobile app.

It’s branchless, so you can use the app outside of a bank building and still get service.

Refer & Earn Apps in Nigeria


It’s one of the greatest refer-and-earn applications in Nigeria because you won’t have to do much work to tell your friends about it.

I have a post on kuda bank full review, you can check it out. You can also check my post on how to check BVN on Kuda Bank.

Kuda currently Pays N200 per referral. The amount is paid 14 days after a user you referred has created his account provided he or she finishes or account remains active.

There are many reasons to have a Kuda account, including low-interest overdrafts, a saving strategy based on consumption, and a budgetary function to analyze spending.


Chipper Cash


That is, you can send money to friends and family in Nigeria or anywhere else in the world where Chipper is accepted.

It has low fees and wide availability, Chipper is a top choice for sending money abroad.

Services such as topping off mobile data, paying bills, investing in the stock market, and more are available.

If you utilize Chipper, you can also create a prepaid card that can be used to make purchases on the web. 

Chipper cash Pays as high as N500-N1000 per referral. As at the time of writing this it was N500.

The individual who signed up using your referral link must then fund his account and send any cash to another Chipper Cash number in order for you to receive the referral bonus.

Because it is not linked to your wallet but requires individual funding, this has the potential to serve as an alternative shopping card.



Another investment and saving software for Nigerians is called Cowrywise.  I have made up to $4 (N2500) daily using the Cowrywise app.

Currently, they give N500 for each recommendation (Once the person you refer makes their first deposit on the platform you get credited your N250)

Simply sign up with Cowrywise, insert your referral code, and start asking your friends to participate to start earning some extra cash.

Easy and effective, all you have to do to get started is sign up for Cowrywise, submit your referral code, and start encouraging your friends to join.

Every new user that registers using your code will earn you N1000, and there is no cap on how much you may make.

So why are you still waiting? Start earning money by recommending your friends today.

You get more money for referring more people.



PiggVest is a safe place to save and invest your money for the future.

The app’s high rating makes it a good choice to recommend to friends in the hopes of earning a bonus.

It also allows you to make money off your investments in a variety of various services.

Using this service’s USD wallet feature, you may protect your funds from the naira’s swings in value.

If your friend signs up and makes an initial deposit, you both will each receive a reward of N1,000 as part of their “tell a friend” program.


Final words

There are several apps that claim to help you make money, but unfortunately, not all of them are honest. Some might require payment in order to play, while others can just be scams.

Researching and reading reviews might help you avoid downloading malicious programs. As a result of reading this post, we hope you have a better understanding of Refer & Earn applications and are more equipped to choose the right one for you.


Adekiya Joscor
Am a Tech blogger | Content Writer | Website designer | Freelancer | YouTuber. Need any of my help? Use any of the social handles below to get to me.