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| Money Making Apps in Kenya (2025) |
Discover the top money making apps in Kenya for 2025 — legit, safe, and easy-to-use platforms that pay directly to M-Pesa. Start earning today!
In 2025, more Kenyans are turning to money making apps in Kenya to earn extra income online. With mobile technology growing rapidly and digital payment systems like M-Pesa leading the way, these apps make it possible to work, trade, or invest directly from your phone. Whether you’re a student, freelancer, or entrepreneur, there’s a legitimate app that fits your goals.
Why Money Making Apps Are Popular in Kenya
Kenya’s digital economy has expanded massively over the past few years. According to the Communications Authority of Kenya, more than 90% of adults use smartphones, and mobile money services have made online transactions seamless.
These apps provide flexible opportunities for:
- Passive income (watching videos, surveys, etc.)
- Freelancing and remote work
- Selling products or services online
- Investing or trading in digital assets
If you’ve been searching for legit money making apps in Kenya, the list below highlights the best, safe, and most rewarding options in 2025.
1. Swagbucks — Earn by Completing Tasks
Swagbucks is one of the most popular platforms for earning small cash rewards by completing online tasks like surveys, watching videos, and shopping.
How it works:
- Sign up for free using your email.
- Complete daily surveys and earn “SB points.”
- Redeem points for PayPal cash or gift cards.
Swagbucks is ideal for beginners looking for an easy way to make money online without special skills.
2. Jumia Affiliates — Promote and Earn
If you love online shopping, the Jumia Affiliate Program is a great way to monetize your influence. You earn commissions by promoting products on your blog, WhatsApp, or social media.
Steps to start:
- Register for a free Jumia affiliate account.
- Share referral links to products.
- Earn up to 10% commission per sale.
This program works perfectly for content creators, marketers, and anyone active on social media.
3. Ajira Digital — Freelancing Platform for Kenyans
Ajira Digital is a government-backed initiative that helps Kenyans find freelance opportunities online. It connects you to global clients who need services like writing, graphic design, programming, and data entry.
Why it stands out:
- Free training sessions across counties.
- Access to international job markets.
- Payment support via M-Pesa or PayPal.
Ajira has helped thousands of young Kenyans build sustainable online careers since its launch.
4. Tala & Branch — Earn Through Smart Borrowing and Referrals
While primarily lending apps, both Tala and Branch offer referral bonuses. Every time you invite a friend to download and use the app, you earn a cash reward directly into your M-Pesa account.
Extra Tip:
You can combine referral bonuses with smart borrowing to fund small business ideas and repay with profit.
5. Upwork & Fiverr — Global Freelancing Income
For those with professional skills, freelancing platforms like Upwork and Fiverr offer consistent earning potential.
You can make money by:
- Offering writing, voice-over, or translation services.
- Designing websites or logos.
- Providing virtual assistance to international clients.
Most Kenyan freelancers withdraw earnings directly to Payoneer or M-Pesa, making it simple and secure.
6. YouTube & TikTok — Content Creation for Income
Content creation remains one of the fastest-growing online income streams. Both YouTube and TikTok allow creators in Kenya to earn through ads, brand deals, and affiliate links.
Monetization options:
- AdSense revenue (for YouTube creators).
- Brand collaborations and influencer marketing.
- TikTok Creator Program payouts and TikTok Shop sales.
You can learn how to start and monetize your channel from tutorials on YouTube Creator Academy.
7. Forex and Crypto Trading Apps
Trading platforms like Binance, Exness, and Deriv allow Kenyans to invest in forex or cryptocurrency markets with small capital.
Before you start:
- Always learn basic trading and risk management.
- Avoid apps that promise guaranteed profits.
- Start small and practice with demo accounts first.
These platforms can be profitable for disciplined traders but carry a learning curve.
Ready to start earning? Pick one or two of these money making apps in Kenya that align with your goals — whether it’s freelancing, investing, or content creation. Create your profile today, stay consistent, and watch your income grow.
Conclusion
As 2025 unfolds, money making apps in Kenya continue to redefine financial independence. From task-based rewards like Swagbucks to freelance gigs on Ajira Digital and creative monetization via TikTok, Kenyans now have endless earning possibilities at their fingertips.
The key to success is consistency — focus on one platform, build your reputation, and reinvest your earnings wisely. Digital income is no longer the future; it’s the present, and it’s accessible to everyone with a smartphone and determination.
: Legit Platforms That Actually Pay ){kind=link}