Top 10 Refer and Earn Apps in Nigeria: Earn Up To 50K+ Weekly

In this article, am going to show you top 10 latest refer and earn apps in Nigeria where you can make money using your smart phone.

As you know already, am that kind of guy who is always looking for latest tips that can help you make money online easily here in Nigeria and I just discover these apps that can pay you 10-15k daily when you refer your friends.

If you are serious and consistent, then you can earn up to 50K or more weekly with these apps.

I will list these apps for you and explain everything you need to know about each of them, how to use them and how you can refer and earn N1,000 or even more per referral and withdraw the money to your bank account at the end of the day.

Top 10 Refer and Earn Apps in Nigeria 2022

  • Fairmoney app
  • Branch app
  • Roqqu app
  • Carbon app
  • Kuda bank
  • Chipper Cash
  • Abeg App
  • Cowry Wise
  • Piggyvest
  • Jumia One

Now you have seen the list of the top 10 Refer and Earn Apps in Nigeria 2022

Let me goahead now and explain everything you need to know about each one of them, how you can make money with each one of them,  how to refer and get 1000 naira etc.

1. Fairmoney app

This is one of the top apps that gives out loans to people in Nigeria. You can participate in their refferal program and earn N500 per refferal.

Yes, you heard me well. You can refer and earn up to N500 per each person you refer.

Let me explain how it works.

Firstly, you need to download the Fairmoney app from Google Playstore, sign up, copy your referral link and start sending it to your friends and once they sign up and get a loan N500 will be credited into your account.

This means that your referral (friend) must get a loan before the N500 referall bonus will be credited into your account.

For instance: you got a loan of N10,000 on the Fairmoney app, If you don't have enough money with you to clear the loan then you can invite your friends to download the Fairmoney loan app from Google Playstore through your referral link and once they register and get a loan you will received your referral bonus as well.

If you refer 20 people, you have paid back your N10,000 loan from referring alone.

That's cool right?

So, if you have a friend that needs money urgently, you can refer them and earn commission.

Fairmoney Website:
Fairmoney Referral Commission: N500

2. Branch App

Branch loan
Few days ago, I came across a post on Google about how one can make up N50,000 or more through the Branch loan app referral program.

Yes, it's 100% possible.
Like I said earlier in the beginning of this post, that it's very possible to earn up to N50K or even more with these refer and earn apps if you are serious and consistent.

Branch is a loan platform that gives out loan to people for business or personal needs through their smart phones.

Undoubtedly, millions of Nigerians get loan everyday from these apps, so you can earn money simply by inviting people to use the Branch through your referral link.

You earn up to N1,500 when the people you refer repay their loans.

Nice stuff right?

Make sure they input your referral code before they sign up. (It's very important)

Go-to Google Playstore, download and install the Branch app and booooom! You are good to go

Branch website:
Branch referral commission: N1,500

3. Roqqu App

Crypto is very popular among Nigerians today,few years back, different websites has been launched.

Different websites?

Yooo! Am talking about Crypto buying and selling platforms like Roqqu.

You still don't understand what I am talking about right?

Okay, I mean apps that you can download and install on your Android, iOS or window phones to enable you purchase coins that you intend to invest in.

And ofcourse Roqqu is one of them.

With the Roqqu app you can buy, store or sell any kind of Crypto currencies here in Nigeria.

And now they have a referral program where you can earn money for inviting your friends

You will earn 0.8% commission on all the transactions carried out by your friends.

That's really good right?

So when your friends buy Crypto, you earn 0.8% of all their transaction.

Roqqu website:
Roqqu referral commission: 0.8%

4.  Carbon (Paylater)

There was a time I was really broke.

Omo Sapa really hold me those days LMAO

Sapa na your mate?😁😁

I started searching for websites and apps that gives loan without collateral in Nigeria where I could get loan quick without guarantor and there were so many of them.

That's when I came across Carbon loan app.

Carbon is one of the best apps in Nigeria that gives loan quick without collateral or guarantor and they also have referall program that will pay N500 when you refer your friends to download and install the app on their phones through your referral link.


Once your friends get their first loan, N500 will be credited into your account.

The more people you refer, the more you earn from Carbon (Paylater) app.

Carbon website:
Carbon referral commission: N500

5. Kuda Bank

Kuda Bank app is one of the most trending loan and  refer and earn app in Nigeria right now.

The Kuda is very popular among Nigerians.

Kuda bank is one of the most fastest and easy mobile banking app and it has taken over the online mobile banking in Nigeria for this reason.

Kuda is almost free and they provide with credit and debit card you can use anywhere in the world.

70% of Nigerians  now use this app; they say it's  the best online mobile banking app.

Kuda will pay you N200 per each person you refer to use their app.

Just invite people to register and enter their details correctly to earn N200 which can be used to purchase airtime or transfer direct to your bank account.

Kuda Bank Website:
Kuda referral commission: N200

6.  Chipper Cash
Chipper Cash app

What is it all about? You may be asking.

Ofcourse, it's one of those apps that enables you to refer your friends and earn money just like other ones I mentioned earlier.

The Chipper cash is an online mobile banking app where you can send money from one country to other countries for free and currently they operate in Ghana, Nigeria, Cameroon, Niger Republic, Kenya, South Africa and United Kingdom.

With the Chipper cash app, you can send money to your friends in Ghana, Nigeria, Cameroon, Niger Republic, Kenya, South Africa and United Kingdom.

Just like other ones I mentioned above, they also have referral program where they will pay you N500 per each person that register through your referral link.

Chipper cash website:
Chippercash referral commission: N500

7. Abeg App
Abeg app

I almost kill myself with laughter the first time I heard about Abeg app, I was like "Are they really begging us to use their app or what"?


You are laughing now right?

Okay, am begging you to stop laughing.

The Abeg app was launched early last year 2021 and currently, it's very popular among Nigerians.

The app has P2P (Peer to Peer) where people send to and receive from family and friends very fast and easily.

I mean like sending and receiving money from friends within seconds.

Abeg group also sponsored the Big Brother Naija show.

Abeg app referral bonus is N500. Copy your Abeg referral link, send it to your friends and once they sign up through your referral link you will earn N500.

Yes, it's as simple as that.

The more refer people the more you earn as usual.

Abeg website:Click here to go-to their website
Abeg refferal Commission: N500

8. Cowrywise


What's funny? You may be wondering why am laughing.

Don't worry, am going to tell you the real reason why am laughing.

This is the 4th time am talking about an app that has to do with investment in this post .

What does that mean to you?

It means that alot of Nigerians are interested in investing their money online (they invest their money online for daily interest) so you should use this as an opportunity to invite them through your referral link and make good money for yourself.

Cowrywise is another legit investment and savings platform where you can put your money to earn daily. They also have referral program where you can make N4,000 or more daily.

Cowrywise pay N250 per referral (Once your referral deposited money into their account N250 will be credited into your account)

The more you refer people to register, the more you earn.

You gerrit? If you don't gerrit forget abourrit.


Cowrywise website:
Cowrywise referral commission: N250

9. Piggyvest

Have you heard of this app before?

I have seen alot of YouTube videos about this app I mean plenty of them.

Am going to tell you what Piggyvest app all about and how you can earn money through their referall program?

Piggyvest is not different from some of the apps I have mentioned in this post. You can save your or invest your money on the Piggyvest platform and get daily returns.

The aim of this platform is to help people to stop spending money unnecessarily.

For instance: if you have some cash with you that you don't want to touch, you can sign up and save your money on the platform.

Honestly, this is a good app that can help you to save some money or invest.

They have a referral program that will pay N1,000 per referral.

How does Piggyvest really work?
Download the app from Google Playstore, sign up and copy your referral link, once you send it to a friend who wants to save or invest and he/she register, you both will earn N1,000.

However, your friend must link their personal verification number (BVN) and also funded their their account before your N1,000 referall bonus will be available for withdrawal.

Piggyvest website:
Piggyvest refferal Commission: N1,000

10. Jumia One

Jumia (Konga)

You must have came across these names.


They are the most popular online shopping websites in Nigeria and Africa at large where you can order things like shoes, phones, laptop, clothes, electronics, cars and other things you need and it will be delivered to you any where in Nigeria in a short period of time.

But first, am going to talk about Jumia one

Oh! Wait a minute.

It's now known as JumiaPay

Yes, they changed their name early last year 2021 from JumiaOne to JumiaPay.

JumiaPay pay you N500 when your referral sign up and buy at least N500 airtime.

The N500 referral bonus can be used to buy anything from Jumia or withdraw to your bank account.

The more people you refer, the more you cash out.

Jumia website:Click here to go-to their website 

Jumiapay referral commission: N500

I hope this post helps you make some cash?

If you have any question, feel free to drop them in the comment section of this post.

Don't forget to share with your family and friends.

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