Earn Money Directly to Your Bank Account in Nigeria

Earn Money Directly to Your Bank Account in Nigeria(16 Ways That Actually Work)

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Are you looking for ways to earn money directly to your bank account in Nigeria? You can make money online in Nigeria using several methods.

To earn money directly into your bank account in Nigeria, you will explore various avenues, both online and offline. 

However, for the sake of this article, I will focus on the online methods only, but it all depends on what you want. Some of these options can be use as side hustle.

As a businesswoman in Nigeria with more than 5 years of experience here are a few options you can consider:

16 Ways Earn Money Directly to Your Bank Account in Nigeria

Earn Money Directly to Your Bank Account in Nigeria

1. Freelancing

Freelancing is a great option to consider.

Many freelancing platforms allow you to receive payments directly into your bank account. 

Examples include Upwork, Freelancer, Fiverr, and Toptal.

Also, you will find it useful to find other high-paying clients through cold pitching.

Here is what I would do look for startups with blogs and website that is not regularly updated and offer to write them a few articles for free. 

After a couple of free test pieces, I would encourage them to pay me a small fee to keep this going.

By cold pitching for local businesses, you will find clients who are willing to pay you directly into your local bank account.

Related Post: 15 Easy Ways to Make 2000 Naira Daily in Nigeria

2. Sell Products Online.

Start an online business or leverage existing platforms to sell products or services. 

Platforms like Shopify, WooCommerce, and Amazon allow you to set up an e-commerce store.

When customers purchase a service or product you will receive payments directly into your bank account.

Pro tip: This is very easy to set up with the help of payment gateways like Paystack.

Related Post: How to make money selling on jiji (in-depth guide)

3. Affiliate Marketing.

Affiliate  marketing

Affiliate marketing is the best way to earn money directly to your bank account in Nigeria . To become an affiliate marketer you need to partner with brands and promote their products and services.

You get paid for every referred customer.

Platforms Expertnairedigistem, and Amazon are great examples.

There is also another type of affiliate marketing where the customers our refer ddoesn’t necessarily have to make a purchase. 

This is called CPA affiliate marketing. All your referal has to do is to take action. These actions can be things like signing up for a newsletter, or even downloading an app.

To get started, join a group called an Affiliate Network. They help connect people who want to promote things with the companies that want to sell them.

Once you’ve chosen an offer, start promoting it. This means telling people about it in different ways like on a website, blog, or social media.

When someone clicks on your special link and does what the offer asks for, it’s called a conversion. 

Once you’ve earned enough money, you can ask the network to send it to your bank account. 

They’ll transfer the money right into your account, and you can use it however you like!

The cool thing about CPA affiliate marketing is that the customer dont have to make a purchase.

It takes some planning and learning, but with time and effort, you can start earning money through CPA affiliate marketing directly to your bank account.

Also See: 15 Sites to Make Money Online in Nigeria

4. Stock Trading

Participate in the Nigerian stock market through a brokerage firm or mobile App. 

Think of stocks as little pieces of ownership in a company. When you buy a stock, it’s like you’re becoming a part-owner of that company. 

Just like when you own a share of a pizza, you have a share of that company’s success. 

If the company does well and makes lots of money, the value of your stock goes up, and you might even make a profit if you sell it later. 

Yo can invest in bank stocks and when the value of these stocks goes up, you make money for yourself. 

Some of the best apps for trading in Nigeria are Trove and Bamboo. 

Once you open a brokerage account, you can buy and sell stocks. The proceeds will be deposited directly into your bank account.

But you will need to have some initial investment capital to start with this business model.

5. Content Creation.

You will also find it easy to earn money directly into your bank account in Nigeria by creating digital content.

Platforms like YouTube, TikTok, or Instagram allow you to do that for free.

By building an audience you will also attract advertisers or sponsorships.

The proceeds from these deals will be paid directly into your bank account.

You will also find it useful to monetize this platforms with ads.

There are many advertisement platforms where you can easily get started and start earning some cool cash directly to your bank account.

Example of such networks include:

  • Ezoic
  • Adsterra
  • Taboola ads 
  • Sponsored ads
  • Google AdSense

6. Online Tutoring

Online tutoring

A lot of people are flocking into online tutoring.

In fact, according to jobberman the online tutoring industry has grown from 165 million USD in 2014 to 250 million USD in 2022.

If you have expertise in a particular subject, you can offer online tutoring services. 

Websites like Tutor.ng and PrepClass connect tutors with students.

payments are facilitated directly to your bank account.

7. Virtual Assistance

Provide virtual assistance services to businesses or individuals.

This includes administrative work, customer support, social media management, or data entry. 

Platforms like Upwork and Freelancer offer opportunities for virtual assistants. 

Note: Most of this platforms are great but difficult to break into these days.

Here is what I would do:

Hop into Linkedin and start cold pitching clients. 

Cold-pitching means you should make out time to understand their business. Then you write a message telling them you like something about them while offering your services. 

You will find great opportunities on Linkedin with the chance of forming great connection and getting higher paying opportunities for your effort.

Here is an article to show you how to cold-pitch potential clients

8. Online Courses and Digital Products.

Create and sell online courses, e-books, templates, or digital products related to your expertise or interests. 

Platforms like selar, paystack, enable you to sell digital products and receive payments directly into your bank account.

Pro tip: You will need to have a reliable source of traffic to facilitate sales. The most effective way to generate traffic is to run Facebook Advertising. 

While this may help you sell some of your digital products, running Facebook ads is expensive. 

Some other examples to consider includes:

  • SEO
  • Forums
  • Paid traffic on other social media platforms. 

See : 30 Legitimate Online Jobs In Nigeria  [Earn $100 Daily]

9. Online Market Trading.

Did you know you can trade things online and make money?

There are different markets you can trade in, like:

First, you need to find a good place to trade. 

Look for websites or apps that let you trade, and make sure they are trustworthy and safe. 

Before you start trading, it’s a good idea to learn about the market you’re interested in. Some platforms have demo accounts where you can trade with pretend money. 

This helps you get used to how things work without risking your own money.

When you’re ready, you can start trading for real. 

Keep an eye on the market, follow your strategy, and make trades based on what you think will happen. 

Trading is a fun way to earn money directly into your bank account in Nigeria.

10.  App Development.

Developing and monetizing mobile apps can be a great way to make money if you have coding skills. You can earn revenue through in-app purchases, ads directly to your bank account.

Just choose your platform (iOS or Android), come up with a unique app idea. Whether it’s an app for saving money or an app for time management. 

Anything you can think of. Create this app and make it look nice. 

Then place this app on Google Play Store, and drive traffic to it with Facebook Ads. 

Once people begin to download and make use of this app, you can add a feature that allows you to make money with it. 

This money wil be sent directly into your bank account. 

11. Graphic Design and Digital Artwork.

If you have design skills, offer your services as a graphic designer or digital artist. 

Create logos, illustrations, or digital artwork for clients and receive payments directly into your bank account. 

Websites like 99designs, Behance, and Dribbble can help you showcase your work and find clients.

You will also find it useful to set up a blog and talk about graphic design.

This is to enable people looking for information on graphic designs to find you easily.

12. Transcription Services.

Did you know you can earn money by typing out what people say in audio or video files? It’s called transcribing, and platforms like TranscribeMe and Rev let you do it.

Platforms like Transcribe Me allows people to get paid when they transcribe or translate an audio file. 

They pay you for your work and send the money straight to your bank account.

First, sign up on these platforms.  Take a test or give them samples. 

Once you’re approved, they’ll give you files to type out. 

You need to be careful and accurate while typing because you want to make sure you get everything right.

The more files you transcribe, the more money you will earn. 

They pay you based on how long the audio or video is. 

As you get better and faster at transcribing, you will have the chance to work on more interesting topics. 

Some people even become experts in certain areas and get paid more because of their specialized knowledge.

13. Online Language Teaching.

If you’re good at a foreign language, you can teach it online and make money. 

Platforms like Italki and Verbling connect you with language learners.

Being a good teacher involves patience, effective communication, and adapting your teaching style to each student’s needs.

It’s important to prepare your lessons well and create a positive and supportive learning environment.

They handle payments and put the money in your bank account. 

You will find It’s fun and rewarding to help others learn while earning money doing something you love.

14. Photography


Stock photography websites like Shutterstock, iStock, and Adobe Stock allow you to showcase and sell your photos. 

Here’s how it works: First, you sign up on these websites and create a portfolio of your best photos. Make sure your pictures are high quality and appealing to potential buyers.

Once your portfolio is set up, people looking for photos can browse through the website’s collection. 

If they like your photo they will purchase it.

When someone buys your photo, you earn a royalty or a percentage of the sale. 

The websites handle the transaction and send the payment directly to your bank account.

It’s a convenient way to make money from your photography skills. Keep in mind that some websites have specific guidelines and requirements for photo submissions.

They may also require you to sign a contract granting them the rights to sell your photos.

It’s an opportunity to turn your hobby into a profitable venture.

Also Read: How To Make 3000 Naira Daily In Nigeria ( 7 Realistic Ways)

15. Build an Email List.

If you want to make money directly into your bank account have an email list.

First, you need to offer something special to people so they want to join your email list. 

  • Free ebook, 
  • Helpful tips, 
  • News about things they care about. 

You want to give them a good reason to sign up.

Next, you’ll put a form on your website where people can enter their email address to join your list.

It’s like a sign-up sheet, but it’s online. 

You will also tell people about your email list on social media. Share why it’s cool to join and give them a link to the sign-up form.

Post pictures or videos to get them excited about what you have to share.

You will also find it useful to work with other websites or businesses that have similar interests. They will help you reach more people by telling their audience about your email list. 

When you send emails to your list, make sure to give them useful and interesting stuff. Share news, updates, or special offers that they’ll enjoy. 

You want to keep them happy and engaged so they keep being part of your email list.

Remember to be respectful of people’s privacy. You should always ask for permission before adding someone to your email list.

 Also, give them an easy way to unsubscribe if they no longer want to receive emails from you.

This is a great way to make money directly to your bank account.

16. Video Editing

Video Editing

Video editing can be a cool way to make money and get it directly into your bank account. Lots of people want their videos to look awesome, so they need someone who knows how to edit them. 

Here are a few ways you can make money from video editing:

  • Do jobs for people

You will find people who need their videos edited and offer your services. You can reach out to YouTubers, filmmakers, or anyone who makes videos and ask if they need help.

  • Make your own stuff: 

If you’re creative, you can create your own videos and sell them. You will make things like cool video effects or templates that people can use in their own videos. 

There are websites where you can sell your creations and make money whenever someone buys them.

  • Teach others:

 If you’re really good at video editing, you can teach other people how to do it. You can create your own online courses or tutorials and sell them to others who want to learn. 

In Conclusion

In conclusion, there are many ways to earn money directly into your bank account in Nigeria. 

Whether you choose to freelance, sell products online, or do affiliate marketing, each option offers its own unique opportunities and challenges. 

The key is to find what interests you and aligns with your skills and expertise. 

With determination, effort, and some learning, you can start earning money directly to your bank account and achieve your financial goals in Nigeria.

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