Best Refer and Earn App in Nigeria

What is the best Refer and Earn App in Nigeria? Meanwhile, another way to describe the refer-and-earn procedures is affiliate marketing, and this is another cool way you can earn good money in Nigeria.

In other words, you simply have to refer the product, service, or app to someone else. When those people decide to sign up for the product, service, or app, you will be given a commission for free.

Best Refer and Earn App in Nigeria

In Nigeria, there are various Apps that you can promote and earn good money from them.

Furthermore, you can learn how to promote an app and earn cool amounts. The best part of this is, that the more people sign up for the app, the more you earn.

Best Refer and Earn Apps in Nigeria

Here are some of the best Refer-and-Earn-Apps available in Nigeria to earn some cool cash:


The PalmPay app is a popular banking app in Nigeria that has loads of reward programs. Some of the programs include earning money from data purchases, bill payments, and many more.

In addition to this, PalmPay gives a free coupon, which allows you to get up to 50% off transactions.

You could also get like 100 MB of Data for just a Naira and many more. One of the ways that you can earn money is when you refer a friend.

This falls under the ‘Refer and Earn’ program, which allows you to make up to $600 for a single referral.


YellowCard is an excellent cryptocurrency app that allows you to invite others to join as well. Of course, it is still new and well-known in the app market, but it is pretty reputable.

On this platform, you can easily buy and sell all kinds of cryptocurrencies, like USDT, Bitcoin, and many more.

Now, there is also a Referral Program available on Yellow, and you can earn up to 20% commission when the person gets to buy crypto on the app. Also, the more the person you refer buys, the more you earn.


The Risevest Finance Platform is also another referral app that pays good money to people who are interested in referring.

What anyone can do on this app is invest in real estate, stocks, dollar investments, fixed savings, and many more.

In addition to this, Risevest has a Refer-and-earn-Programms, that you can profit you. The first program allows you to earn about 3% commission when the person you refer to this app adds money to their account.

On the other hand, the second program allows you to earn even more money from that. However, you need to have at least $50 across all your investment plans on Risevest.

Kuda Bank

Kuda is another reputable refer-and-earn app that works excellently well in Nigeria.  This online microfinance bank, allows you to earn up to $1,000 for inviting a friend to join the app.

Even better, your friend also gets to earn a reward. In addition to this, you must, however, first have access to the invitation program before you can start earning.


The branch is also perfect at rewarding all its users, who engage in their referral programs. It is a popular fintech application that lets you earn real money when you do referral work.

You can perform various activities on this platform, like transferring funds, saving money, receiving money, taking loans, etc.

For every referral program, you will be paid $1500, went the person you refer transfers money in their account.

You can tell, how much you will make when you refer even more people right here.


Another excellent refer-and-earn-money app on this list is the Trove app, and this is an investing platform as well. Trove allows users to buy Nigerian company shares such as Jumia, DangoteCement, and so on.

In addition, you can also easily invest in foreign stocks like Amazon, Twitter, Meta, and so on. Trove also has a Reward Program that pays you heavily when you succeed in referring a person to this platform.


Fairmoney is reputably known as being one of the best loan apps accessible in Nigeria.

Aside from the well-known benefit of securing a loan conveniently from Fairmoney, you can also earn cool cash when you refer someone right here.

A popular referral program, which you can see available on this app, is one where you get to earn about $500 in loan discounts. The higher the number of people you refer, the higher the loan discount you will receive.