How To Make Money Online In Nigeria 2022 [Passive Income]

In today’s post, I’ll be sharing with you the tips and secrets on how to make money online in Nigeria from the comfort of your home.

How would you feel making around N500,000 every month without leaving your house or comfort zone?

Trust you’d like it right?

What if I told you N500,000 is quite small to the full potential of what you can fully make online! All you need is get a PC and a strong internet connection to work with.

Believe me; I know how fulfilling it can be to make money online in Nigeria on your own terms without being responsible to any BOSS!

As a young individual, you’ll get to live your life EXACTLY the way you want without looking up to any UNCLE or always disturbing your parent.

And as an ADULT, you’ll get to spend more time with your family and loved ones as you take total control of your lives.

Do you know the most amazing part?

Making money online in Nigeria isn’t a pipe dream! Trust me, it VERY achievable. I mean if I can… what then is stopping you?

The internet is filled with so many online business ideas in Nigeria or anywhere that’ll completely blow your mind.

So it all depends on the KIND of money you want to make online!

If you want to earn few dollars in 10s or few Naira in thousands or better still, earn Naira in millions; if you would take it from me, then it’s very achievable!

And luckily for you I’ll be showing you exactly how to get started by choosing from many of the online business in Nigeria that I’ll be listing here.

Not in a hurry are you? So, stick with me as we explore them together.

Ways to Make Money Online in Nigeria

Before we proceed, I just want to let you know that making money online revolves around some certain KEY factors.

We have the minor extra income and we have the major income, you see, the minor income can’t make you rich but it’s going to put some quick cash in your pocket as a side income.  They include paid surveys, Ponzi schemes, “get rich quick business” etc.

However, major incomes are money made from actual business, which can either be passive or active. The active ones are the ones that require your service while the passive income (My Favorite) are money made online even while you’re sleeping.

This type keeps your bank account smiling all the time.

So basically, what I’m trying to say is that, if you really want to make money online, then you have to provide a value.

I mean real VALUE!

These are solutions to people’s problem, and the more problem you solve the more money you make online.

Your value could be in form of a (Virtual/Digital Product or Physical) or online services rendered in exchange for money or in form of consolation, advice, consultation, answer to question etc.

This could literally be anything, so far people need it. And once people are getting real value from you, trust me, you’re a step away from being a millionaire!

I know you might be thinking you don’t know anything you can offer as value to people.

Well, don’t worry we all feel that way while starting, which is why I’m listing a few of the best online business ideas in Nigeria that you can pursue.

You just need to pick one, learn and understand it then build a business around it.

How Much Does It Cost To Start Online Business in Nigeria?

I’ve received so many questions as to how much is needed to start an online business. I also understand some of us would like to start with NO CAPITAL which is also possible.

So, I’ll be listing businesses you can do online with ZERO CAPITAL and cash BIG at the end of the month. However, one thing is needed or perhaps inevitable…

And this is having a website or blog.

Don’t get confused, I’ll explain the two in a bit!

The Difference between a Website & a Blog

First, you should understand that all blogs are part of a website, and not all website is a blog. If you have a business website, you can decide to add a blog section to it.

What makes a website is the idea behind it, which is the reason for creating it. Website is more like a single page with information about your business or the reason it was created.

Blog however deals with articles and content creation like the one you’re ready. So this article you’re reading is written on my blog which is part of my website.

If you have a website you can decide to do anything you want with it, this includes any online business you’d want to do.

So back to the question, how much is required to start an online business in Nigeria?

The basic cost is going to be for creating your website. And for this, you’ll going to need a domain name, SSL certificate and a web hosting account.

Your domain name is going to be the name of your website, SSL certificate is for the protection of people visiting your website and it’s made compulsory by Google.

This is usually the padlock key at the back of every website name on the top left corner of every page you visited.

Your domain name could be your name(dot)com or anything good for branding.

However, with Bluehost, you can get your domain name and SSL certificate for free and only pay for hosting.

Usually, a domain name is around $14 per year and SSL certificate around $20 per year.

All this comes for free using Bluehost and your only cost going to be for hosting which is around $70.

For creation your website, I’ve written a blog post for it. I’ll suggest you go through it.

Now let’s get started!

30+ Online Businesses Ideas in Nigeria

Below are some of the best ways to make money online in Nigeria and as a matter of fact, they pay legitimately.

#1: Drop Servicing

 make money online in nigeria through drop servicing business model


Drop servicing is one of my favourite online businesses that require little to nothing to get started. It’s also one of the latest ways on how to make money online in Nigeria.

And as a matter of fact, you can get started with zero initial capital.

This business model as to do with selling services to your client, but in the actual sense, you’re not the one providing the services.

What you do is give the service to a freelancer (Fiverr) and pay the freelancer from the money your client pays you and keep the remaining as your profit.

You can make up to $500 profits per transaction depending on the service niche you choose to sell your online services.


#2: Drop Shipping

dropshipping business model

Just like drop servicing, dropshipping has to do with physical products. The dropshipping online business model is a process whereby you sell other peoples products without buying the product yourself.

What you do is, you list product image on your online shop and promote them. When you have an order, you then buy the same product from your supplier using your customer money and keep the change as your profit.

With dropshipping you don’t have to invest in product upfront, you just need to look for a certain product that’s selling and dropship it to make serious money.


#3: Print on Demand

print on demand business

Print on demand (POD) is a business model whereby you work with a supplier to customize products (hoods, bags, vest etc.) with your designs to sell them on pre-order basis.

If you’re an artist, graphic designer, or into photography, selling a print on demand products can be a perfect way to monetize your creativity.

You can put your own original graphics designs on t-shirts and sell them online without having to hold inventory of the product or buying the products.

Once you made an order, your supplier will print the design on your product and have it shipped to your customer using your company brand.

Cool isn’t it?

This business offers an alternative way to bypass time, investment and risk associated with managing product inventory. With this, be sure of making extra cash by increasing your earning potential with Print on Demand.


#3: Start a Blog

start a blog

I bet you’ve heard this often. The truth is starting a blog could seem stressful but it actually pays a lot if you know how to maintain it.

This has actually been one of the evergreen ways on how to make money online in Nigeria because it’s been around for a while and the potential keeps increasing.

You see, blogging is like a business and with every successful business out there, there’s always a master plan. You need a detailed plan with your blog to start making money from it or running a successful blog.

This simple website/blog you’re reading has generated millions of naira and you know the cool part? It’s all passive income. That is, the money keep flowing even while I’m not working on it.

However, you do need to understand how search engine optimization works and also invest in digital marketing skills


#4: Affiliate Marketing

make money online through affiliate marketing business

This is actually my favorite and it accounts for 70% of my overall income online. The Affiliate market is quite big right now that you should key into it.

Affiliate marketing is a business model that allows you to promote other people’s products and services through their affiliate program and earn a commission on every sale via your affiliate links.

The affiliate commission you can earn on a sale ranges from $1 to $1000 commission. Yeah $1000!

Crazy isn’t it.

Just think about having a business that makes you $200 commission on every day and multiple it with 30days! That’s a whopping $6000 (N2,190,000) every blessed month.

You should give it a trial.


  • Complete Guide on Affiliate Marketing [Beginners Guide]
  • Top Affiliate Programs
  • Amazon Associate In Nigeria [Guide To Starting Amazon Affiliate Program in Nigeria]
  • Starting Jumia Affiliate Shop

#5: Mini Importation

mini importation

Mini importation is another lucrative online business idea in Nigeria. This business model requires you to buy cheap products in bulk from overseas and resell them at a higher price.

I’ve imported products that cost me N500 with shipping on each product and I resell them in Nigeria for N10,500 each.

100 pieces cost me N50,000 and after selling my gross income was N1,050,000 for the 100 pieces that was sold online.

Everything was remotely done from my PC without having to go deliver products myself and some of the customers still calls to order for more!


#7: Start a News, Entertainment Blog with Google AdSense

entertainment niche blog

This is another trick to making SURE income online. For this method, you’ll need to start a news and entertainment blog them monetize your traffic with Google AdSense.

The trick I’m sharing with you is for quick income and with this method, it’s going to require money for traffic!

But if you don’t want to spend money you can do it the usual way, which is also going to work too, but it will take time. Like a year or less!

What do you need to get started?

You need Bluehost to buy your hosting and your free domain name, after that, set up your blog.

Once your blog is set up you’ll need to apply for Google AdSense and for them to approve your account you need to publish good original content on your website.

Before you apply for the Google AdSense publish around 15 articles with nothing less than 300 words each.

Visit to get cheap articles written for you.

Immediately your Adsense is approved go to other popular entertainment site copy their entertainment article and spice it up before posting on your site.

After that, serve the AdSense on your blog and boost your blog post with Facebook ads let says around $5 per days for each post you want to boost.

For every traffic that clicks on the ads on your website will make you money from Google.

#8: Information Marketing

information marketing business

This is basically selling information to people that want what you’re selling. This could be in form of an eBook or online course.

If you have any knowledge about anything you think it’s going to be worth a while, you could package it as eBook or via video course content and sell to people.

If you don’t have one, there are PLR eBooks you can buy and resell as your own products. So, even if you don’t have a product of your own you can still make money with info marketing.

Mind you, you could also create a free course to give them a hint of what they could get when they subscribe for the full training course.


  • How to Start Your Information Marketing Biz

#9: Sell Products on Jumia & Konga

selling product on jumia

Selling on Jumia and Konga is another way to make passive income online. If you have your own personal brand of products selling on Jumia or Konga could just be what you need.

Signing up as a seller is free. However, make sure that the product you’re selling are quality products and if it edible products apply for NAFDAC reg no before Appling.

Other than that, you could also import products from abroad at a cheaper price and sell them on Jumia. Majority of the products listed on Jumia are sourced from abroad at a very cheap price.

You yourself could key into this and make some money!


#10: Start a YouTube Channel

youtube channel

Starting a YouTube channel is another way of making passive income online by simply creating video content. You don’t have to show your face if you’re not the camera type.

You can download funny video and mixed them together via video editing software and upload on your channel. Google will start paying you for views and every ad clicks on your YouTube channel.

Your channel, however, needs to reach 1k sub and 4k watch times before you can monetize your account.

You could also do product reviews as an affiliate, and then add your affiliate link at the description of the video. Or use it to boost your online presence by creating videos on certain topics.

Perhaps, for phones reviews, software products, digital products, or any other interesting products might be a good mean to monetize your channel and make consistent passive income.


#11: Trade Cryptocurrency

thow to make money online in nigeria trading cryptocurrency


Trading cryptocurrency online is another goldmine. If you buy Bitcoin few years back and kept it till now you’d already be in millions by now.

There are several crypto coin out there you can buy and trade against each other. Even if you can’t trade them, you could buy some and leave them to appreciate over the course of time.

You’d be amazed by the result you’d get if you can do this or better still do more research on trading cryptocurrency.

Luno app is a popular platform that lets you buy some of these coins and keeping them to appreciate. Perhaps creating an account will suffice.


#13: Social Media Influencer

social media influencer

It amazed me seeing social media account with thousands of followers and yet still not making money from their accounts.

Presently Facebooks and other ads platform are getting more and more expensive as more and more people are looking into it.

This is why social media influencing and shout-out seem as the perfect alternative. If you have a social media large following then you have a potential mone- making account.

You could invite brands to do shout-out to your follower and get paid per shout-out!

#14: Sell Photos Online

If you happen to be one of the photo addicts taking random pictures all the time, well, this might be the perfect time to make money from it.

There are websites that pay as high as $100 per download of pictures and some even pay more. Quite interesting isn’t it?

However, your picture MUST be high-quality images and mostly random and unique pictures. The more downloads you have on these platforms the more money you make.

Website to sell your photos includes:

  • Adobe Stock
  • Shutterstock
  • Alamy
  • Etsy
  • Fotomoto
  • Crestock
  • 500px

#15: Coding & Web Development

This could be extreme for someone just starting out with an online business. However, if you can master this and be good at what you do then you’re in for serious money.

The only downside to this is that It requires a lot of time but once you’ve known how it works it becomes easier.

You can promote yourself for starters on several freelancer websites and later stand on your own by building your brand and networks.

#16: Flipping Website

Flipping website is a business model whereby you buy a cheap existing website, improve the website and re-sell it at a much higher price.

This is similar to landed property whereby you purchase a house, renovate the house and resell it to make your profit.

The same thing applies to flipping of websites.

However, to get it right you need to flip websites only in the niche you understand. That is, a niche website with contents you can easily improve or with the help of content writers.

If not, the task may be difficult and at the same time not productive.

Some of the good platforms to buy and sell websites include:

  • Web Hosting
  • Website

#17: Online Consultation

online consultation

Do you know you can start a consultation agency business for something you’re good at?

A good friend of mine that we both served together in Akwa Ibom as a Youth Coper is now making a living as a consultancy on depression and some other related stuff.

If feels so amazing that someone can actually make money with that kind of business in Nigeria, amazing isn’t it?

You yourself can start one for yourself. You can start by building a Facebook page or group for yourself then offer free value at first, then monetize when you have more followers.

Or simply run a short ad get people to join your group and monetize it with your service after the initial free value

#18: Podcasting


Podcast! Just think of this business model as starting a blog but this time around it’s called an audio blog. So instead of writing articles, your posts will be an audio posts.

Everything is quite similar to a blog and also the monetization process. You’re also going to need a website for your Podcast channel which can be gotten on WordPress with Bluehost.

The more audience you have the more your chance of making money talking about what you love. And YES, you need to choose a niche and talk about what you understand.


#19: Amazon Kindle

amazon kindle

Amazon Kindle will pay you for publishing eBook on Amazon website. All you simply need to do is create an account and write eBooks.

Once people start buying your eBooks, you’ll get paid at the end of the month for life. A perfect RESIDUAL INCOME.

However, to make most of this business model, you’ll need to do your research, check the best-selling books and write something similar or unique.


#20: Opera News Hub

opera news hub

Opera news hub is one of the simplest ways to make money online in Nigeria publishing trending news.

You don’t have to be good with writing; you just need trending news or any attractive stories that can get you clicks on the platform.

If you’re consistent with posting of content and your posts is attracting clicks you can make up-to N100,000 every month as a side hustle with Opera news platform.

However, they only pay via Opay app, so if you don’t have one you’ll need to download and install one on your mobile device.


  • How To Make Money With Opera News Hub [Step By Step Guide]

#21: SignUp With OwoDaily Platform


OwoDaily is a digital jobs community where its membership gives its users access to multiple streams of income online. 

However, I believe the platform acts as an intermediary between providers of services and clients looking to buy a service at a stipulated price.

This platform brings two individuals together; the one that wants to get a job done and the other that gets the job done. 

The individual that wants a service pays OwoDaily and OwoDaily, in turn, pays the individuals that get the job done. 

For every job you do on the platform, there’s a certain amount of money you’ll be paid when your job is verified and approved.

The money paid to users ranges from N5.00 to N2,000.00 per task upon completion. And everything will be credited directly to the user’s bank account. 

Resources :

#22: Start an Online Store

starting an online store

Starting your own eCommerce store is another perfect way on how to make money online in Nigeria because of its potentials.

Online stores like Jumia, Konga, Payporte all start from somewhere and you yourself can do the same.

You could create an online store like Jumia whereby other sellers can create an account and sell their products on your platform.

The difference in this with other online business ideas in Nigeria is that it requires a lot of startup investment to get started and also a lot of money will go into adverts.

But ones it starts pulling momentum it can be really profitable, but it requires times!


#23: Online Surveys

If you are in dire need to boost your income, while at the comfort of your home, you can find some couple of online platforms that will pay you for carrying out surveys and completing tasks.

Plus, it also guarantees that you will be earning some passive income online, although, the availability of these online platforms is dependent on your country.

This is because some does not support Nigeria, but that does not mean you can’t find some legit survey platforms in Nigeria and make cool money.

Survey sites may not guarantee you making a large amount of money to buy your dream car, nor get you your dream house.

But your cumulative earnings on these platforms can however, meet some needs.

All you will need to do is to imply patience, fill in your real details on registration so as to avoid disqualification at the point of cashing out.

Survey sites:

  • Moborog Nigeria
  • Hiving Survey
  • Timebucks
  • Paidviewpoint
  • Toluna
  • Wow App
  • Contiply
  • Ysense
  • Rewards1
  • Survey Sarvy
  • Triaba

#24: Freelance Services

Starting freelance services is similar to content writing but this time around your services isn’t limited to articles.

This could be anything, I mean any service you can do and you know is transact-able online. The more of this service you can do the more money you’ll make online in Nigeria.

A good place to start is Fiverr. Plus, you can also Google freelancer website and create an account on as many as possible.

Once you create your account, you can browse through their services to get inspiration on what service you can render online.

#25: House Listing on Airbnb

how make money online in nigeria through airbnb listing

Ever heard of Airbnb? It’s a site that allows you to list your house online and make money with the rentals. Usually for a short period of time compared to the normal house renting.

This means you could host a guest for 2days and make as high as $300 or more for just 2 nights or more depending on the deal.

If you’re thinking you don’t have a house, why not manage for people that do? Most people don’t have time to talk to guest looking to lodge and answer questions.

That’s where you come in, and at the end of the deal you go home with 30 to 40% of the deal as the manager.

#26: Start a Forum Website

Starting a forum is the perfect alternative to creating a blog if you know you won’t have all the time in the world to create content.

A forum is just like the popular Nairaland whereby people create an account and gist about any trending topics.

The users are the ones that create the content; your only work is just to moderate what they are writing about.

Once your users and traffic starting increasing you can monetize it with Google AdSense or sell advert space on the website.

To get started you’ll need a domain name and web hosting and forum software you can install on WordPress. With Bluehost, you’ll also need to pay for web hosting while your domain name and SSL certificate will be given for free.

The forum software can also be installed for free! Get started with Bluehost.

#27: Buy and Sell Domain Names

make money online in nigeria by buying and selling domains

This is another plug on how to make money online in Nigeria. Buying and selling domain names is quite simple and straight forward just like the name sounds. All you need to do is buy a nice domain name with future potential resell it to anybody that needs it.

You can buy a domain as cheap as $10 on sites like NameCheap and resell them on site like:


And keep your profits. Some of these sites even allow you to place them on bids. This means you get to sell your domains to the highest bidder.

#28: Content Writing

If you have a thing for copywriting, then yes you can make money with content writing. This is one online business model that can never get saturated.

The problem, however, is that most content writer out there sucks and people don’t really want to work with a writer that sucks.

If your writing skill is on-point and well-polished, trust me you can make serious money online in Nigeria writing articles.

First off, there are several freelance websites you can create an account on and create your profile as a writer. The second method is joining blogger Facebook groups and lets them know you’re a writer.

You’ll be surprised at how much you can make when people start approaching you to write for them. After you start writing, it’s your writing skills that will determine if you’ll be in business for a long period of time.

#29: Start a Marketing Agency

Starting a marketing agency may not be for everyone, but if you have the basic understanding on how to run adverts on major platforms then you may just be a step away from cashing big with marketing agency.

What this business model simply entails is getting paid to run advert for small business owners. This could be on Instagram, Facebook, Twitter etc.

The good thing about this business is that once you establish yourself, you’ll start getting a referral from your previous clients.

#30: Create an App

Creating an app can be a gold mine if you win the Jackpot. It’s just one of the things we overlook online in Nigeria!

However, if you can be creative and think of any idea you think people might buy, or an idea that solves a real problem.

If this work, you just need to place it on Google play store for people to install, the more installation and download it has meant more money for you once it’s monetized with adverts.


#31: White Label Products

Finally, Selling white label products is another great way to make money online because of its huge potential profits.

White label products are products or services produced by a manufacturer for another company or business to rebrand as their own.

The products will be produced with your brand name, logo, and design depending on the specification you give the producer.

This business model is very lucrative because you’re getting the products straight from the factory which can be extremely cheap.

You can get a white label product as low as N100 and resell them as high as N10,000! That’s how big the profit can be, however, the manufacturers only produce products in large quantities.

The most popular website for this is!


As you can see, that’s a pretty long list, and it still subjects to updates. This means as any new online business in Nigeria pops up, it going to be added to the list ASAP.

Personally, the majority of my income is earned via affiliate marketing and Info Marketing. If you sound interested, I’ve packaged a FULL VIDEO course I’ll suggest you check out.

Also, for getting paid online, the majority of the payment method for receiving money is via PayPal and Payoneer. As a matter of FACT, PayPal is very important.

I’ve equally written a report on how to get your working PayPal, you can check it HERE! Which is necessary for any topic that has to be with how to make money online in Nigeria.

So over to you now, which among these online businesses do you think will be best realistic for you in Nigeria and why?

Let me know what you think using the comment box!

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