Apps That Pay Through Mobile Money In Ghana

Best Money Making Apps That Pay Through Mobile Money In Ghana

Welcome to the digital realm where opportunity meets innovation! In the vibrant landscape of Ghana, a wave of money-making apps that pay through mobile money in Ghana has emerged, transforming smartphones into portals of financial empowerment. From the bustling markets of Accra to the serene landscapes of Kumasi, explore the avenues where technology converges with ambition, unlocking new possibilities for individuals seeking to harness the potential of their devices for financial gain. Join us on a journey through the dynamic world of the best money-making apps that pay through mobile money in Ghana, where the fusion of technology and entrepreneurship paves the way for economic empowerment.

The Reality Associated With Money-Making Apps

The reality of money-making apps that pay through mobile money in Ghana reflects a landscape of both opportunities and challenges. While these apps can provide a legitimate source of additional income, it’s essential to navigate them with a realistic perspective.

Read Also: How To Make Money Online For Beginners

Opportunities Of Money Making Apps In Ghana

1. Supplemental Income

Money-making apps that pay through mobile money in Ghana offer Ghanaians a chance to earn extra money in their free time. Tasks such as taking surveys, completing small gigs, or participating in market research can contribute to supplemental income.

2. Flexibility

Many money-making apps that pay through mobile money in Ghana provide flexibility, allowing users to choose when and how much they want to engage. This flexibility is particularly beneficial for those with varying schedules or other commitments.

3. Diverse Options

The range of apps available caters to different interests and skills. Whether users prefer surveys, micro-tasks, or social media engagement, there’s likely an app that aligns with their preferences.

Challenges Associated With Money Making Apps In Ghana

1. Scams and Legitimacy Concerns

The prevalence of scams underscores the importance of thoroughly researching and verifying the legitimacy of money-making apps. Some platforms may promise significant returns but turn out to be fraudulent.

2. Earnings Discrepancies

While some users may earn a notable income, it’s crucial to recognize that the earning potential varies. Factors such as location, available tasks, and personal commitment can impact the actual income generated.

3. Privacy Risks

Engaging with these apps often involves sharing personal information. Users must be cautious about the data they disclose and ensure the apps prioritize privacy and security.

4. Limited Earning Potential

Money-making apps that pay through mobile money in Ghana may not replace traditional sources of income. Depending solely on these apps for financial stability might be unrealistic, and users should view them as a supplementary rather than primary income source.

In the reality of money-making apps in Ghana, success requires a balanced approach. Users should be discerning, choose reputable platforms, and manage expectations regarding potential earnings. While these apps can offer genuine opportunities, it’s crucial to approach them with a realistic understanding of both the benefits and limitations they present.

Read Also: Top Online Jobs That Pays Instantly Through Mobile Money

Mobile Apps That Pay Real Money In Ghana

Below are apps that allow you to make money in Ghana. It’s important to note that some platforms may not be available in your region, however you can use the web version. Others too you wouldn’t find them on playstore or appstore, you might have to visit the website to download the apk and then install it.

1. SurveyTime

SurveyTime is one of the popular money-making apps that pay through mobile money in Ghana that rewards users for sharing their opinions on various topics through surveys and polls. Users accumulate points for each survey completed, which can later be redeemed for cash or gift vouchers.

2. Fiverr

Fiverr is a platform where freelancers offer various services, called “gigs,” to buyers. Sellers create profiles, set gig prices, and buyers browse and purchase services. Communication and transactions occur through Fiverr, providing a structured platform for freelancers and clients to connect.

3. Upwork

Upwork is a platform that connects freelancers with clients seeking various services. Freelancers create profiles highlighting their skills and experience, while clients post job listings. Clients can browse through freelancer profiles, invite them to apply, or post jobs for freelancers to find.

Freelancers submit proposals for jobs, including details about their expertise and pricing. Clients review proposals, interview freelancers, and ultimately choose one for the job. Upwork provides a workspace for communication, file sharing, and tracking work progress.

Once the job is complete, clients can leave reviews, and freelancers are paid through Upwork’s platform. Upwork charges fees based on a sliding scale, and payment protection mechanisms are in place to ensure fair transactions.

4. Jumia Online Shopping

Jumia is an e-commerce platform that operates in various African countries. It works by connecting buyers and sellers, allowing users to browse and purchase a wide range of products online. Sellers list their products on the platform, and Jumia facilitates the transaction, including payment and delivery. Customers can order items through the website or mobile app, pay electronically, and receive their purchases at their doorstep. Jumia also offers services like food delivery and digital payments, contributing to a comprehensive online marketplace experience. To make money on Jumia, sell products on the platform, use Jumia’s logistics for efficient delivery, invest in marketing for visibility, and facilitate online payments through the platform’s services.

5. Tonaton Business Platform

Tonaton is a popular online marketplace in Ghana that connects buyers and sellers. It operates as a platform for various goods and services, allowing users to list, buy, and sell products locally. Tonaton covers a wide range of categories, including electronics, vehicles, real estate, jobs, and more. Users can browse listings, contact sellers, and complete transactions through the Tonaton platform. It serves as a convenient online marketplace for individuals and businesses in Ghana.

To make money on Tonaton, sell your items or services by creating attractive listings, communicate effectively with potential buyers, and use secure payment methods for transactions.

6. MobiWorkX (Website)

MobiWorkX is a versatile platform that allows users to earn money by completing micro-tasks, such as data entry, categorizing images, or transcribing short audio clips. Users can choose tasks that match their skills and interests, earning cash or gift rewards upon task completion.

7. Streetbees

Streetbees connects users with paid opportunities to share insights about their daily lives. Users in Ghana can participate in various “stories” by answering questions, sharing photos, or providing feedback on products and services. Compensation varies based on the complexity and time required for each task.

8. CashPirate

CashPirate is a straightforward app that rewards users for trying out new apps, games, and services. Users earn coins for each completed task, and these coins can be converted into PayPal cash or gift cards. It’s a simple way for Ghanaians to monetize their app exploration.

9. Foap

Foap allows users to turn their smartphone photos into cash. Ghanaians can upload their quality photos to the app’s marketplace, where businesses and individuals can purchase them for use in advertising or other projects. Each sold photo earns the user a share of the profit.

10. Swagbucks

Although widely used globally, Swagbucks offers opportunities for Ghanaians to earn money by taking surveys, watching videos, and completing online tasks. The platform’s currency, called Swagbucks (SB), can be redeemed for cash through PayPal or gift cards from various retailers.

11. allows users to earn Bitcoin through a free Bitcoin faucet, a Hi-Lo game for multiplying Bitcoin, an interest-earning savings account, a referral program, and various contests and rewards. Users should exercise caution and be aware of the associated risks in cryptocurrency activities.

12. Bolt App

Bolt is a transportation network company that provides ride-hailing services. It connects riders with drivers through a mobile app, allowing users to request a ride, track the driver’s location, and pay for the trip electronically. Originally known as Taxify, the company rebranded to Bolt. It operates in various cities around the world, offering an alternative to traditional taxi services. Drivers, who use their own vehicles, can sign up with Bolt to provide transportation services to passengers.

To make money with the Bolt app you need to undergo the following steps

•Sign Up – Register as a driver on the Bolt platform.

•Vehicle Approval – Ensure your vehicle meets the platform’s standards and may require an inspection.

•Background Check – Undergo a background check to confirm a satisfactory driving record.

•Approval – Wait for approval from Bolt after submitting necessary documents.

•Start Driving – Once approved, use the Bolt app to accept ride requests, pick up passengers, and earn money based on completed trips.

13. FeaturePoints

FeaturePoints enables users to earn rewards by trying out free apps, completing surveys, and participating in other simple tasks. You accumulate points, which can be exchanged for gift cards or PayPal cash. The app often features a diverse range of tasks, keeping the earning opportunities varied.

14. Bolt Food

Bolt Food operates as a food delivery service connected to the Bolt ride-hailing platform

Making money with Bolt Food typically involves becoming a delivery driver.

•Sign Up: Download the Bolt Food Driver app and sign up, providing necessary documentation.

•Vehicle Requirements: Ensure your vehicle meets the platform’s standards. Some locations may require a bike for food delivery.

•Background Check: Undergo a background check to ensure a satisfactory driving record.

•Approval: Wait for approval from Bolt Food after submitting required documents.

•Accept Orders: Once approved, use the Bolt Food Driver app to accept food delivery orders.

•Pick Up and Deliver: Pick up the food from the restaurant and deliver it to the specified address.

•Earn Money: Earn money based on the number of successful deliveries. Income may include delivery fees and tips.

•Flexible Schedule: Enjoy the flexibility of choosing when to work based on your availability.

15. Curious Cat

Curious Cat is a survey app that rewards users in Ghana for sharing their opinions on various topics. The app offers a straightforward interface for taking surveys, and users earn cash or gift card rewards upon completion. Regular survey availability makes it a consistent option for earning extra income.

16. Survey Junkie(Website)

Survey Junkie is a popular survey platform where Ghanaians can earn points by sharing their opinions. These points can be redeemed for cash or gift cards. The platform is known for its user-friendly interface and a variety of survey options.

17. Toluna

Toluna combines surveys with a social community, allowing users in Ghana to earn points for participating in surveys and discussions. These points can be exchanged for PayPal cash, gift cards, or other rewards. Toluna often features surveys on a wide range of topics.

18. AppBounty

AppBounty rewards users for trying out new apps and games. Ghanaians can earn credits by downloading and using suggested applications. These credits can be redeemed for gift cards from popular retailers or used to purchase paid apps and games.

19. Real Research Survey App

Real Research Survey App is a survey platform that compensates users in Ghana for taking surveys on various topics. The platform pays in cash, and users can request payment through PayPal and then withdraw to their mobile money wallet once they reach the minimum payout threshold.

20. MITA – Mood

MITA – Mood is a social media platform that rewards users for their engagement. Ghanaians can earn rewards by sharing content, participating in discussions, and receiving likes. Rewards can be converted into mobile airtime or other digital rewards.

21. AppKarma

AppKarma allows users to earn points by testing and playing mobile games. Ghanaians can redeem these points for gift cards or PayPal cash. The app often features a diverse selection of games to keep the earning experience entertaining.

22. CashNGifts

CashNGifts is an app that offers various ways for users in Ghana to earn money, including surveys, contests, and daily check-ins. Users accumulate points, which can be exchanged for mobile recharge, gift vouchers, or direct cash withdrawals into Paypal and then to mobile money wallet.

23. Pawns App

Pawns is a survey app that rewards users for sharing their opinions on a wide range of topics. Ghanaians can earn Amazon gift cards or PayPal cash by completing surveys, and the app is known for its quick payout system.

24. Adfly

Adfly is a URL shortening service that also offers a way to earn money. Users in Ghana can shorten links through Adfly, and when others click on those links, the user earns a small amount of money. This can be particularly useful for those who share links frequently.

25. Make Money

Make Money is a versatile app that provides various ways for users to earn cash, including trying out new apps, taking surveys, and watching videos. Ghanaians can redeem their earnings through PayPal or choose gift cards from popular retailers.

Read Also: 7 Best Money Making Apps In Ghana That Will Earn You Extra Cash In Your Leisure Time


In conclusion, the landscape of money-making apps in Ghana offers diverse opportunities for individuals seeking to supplement their income. From survey platforms like Survey Junkie and Toluna to unique concepts such as Bolt drive, Ghanaians can explore a range of options fitting their preferences and skills.

However, it is crucial for users to approach these apps with caution, ensuring they choose reputable platforms and thoroughly understand the terms and conditions. While these apps provide avenues for additional income, users should be vigilant against potential scams and prioritize their privacy and security.

Ultimately, the world of money-making apps in Ghana is dynamic and evolving, offering innovative ways for individuals to leverage their time and digital engagement for financial rewards. As technology continues to advance, staying informed and discerning will empower users to make the most of these opportunities responsibly.

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By Thomas Goodman

Thomas Goodman is a Degree Holder, a prolific Personal Finance writer and Expert. His work has been recognized by Millions of people round the world and the United States precisely. He has since over a decade, helped people to manage and gain full control over their finances through his adequate and concrete write-ups. His Goal is to inform and educate people worldwide on Personal Finance, Budgeting, Banking and Finance, Career Planning and Savings. He loves to Educate people to attain their financial freedom. Reach out to Him personally on [email protected]

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