five legit apps that pays directly to your opay or palmpay account 2026. (I tested them and it worked out well)

I am a student in Benin, Edo State and I have been looking for legit apps that pay directly to Opay and bank account in Nigeria without capital. After testing many apps for three months, I found 5 apps that really pay in 2026 and they are very good for students who want to make money with just their phone and data.

1. Hawkit

Hawkit is similar to GoJelly but it pays higher. On Hawkit you can earn from 100 Naira to 500 Naira per task for doing social media tasks, commenting, app reviews, and sharing posts. The minimum withdrawal is just 100 Naira so you can withdraw everyday to your Opay. Many students in University of Benin and Auchi use it to make daily money.

2. Premise App

Premise App pays you to answer surveys and take pictures of things around you like market prices, shops, and roads in Benin City. If you stay in Benin, Sapele Road, Ugbowo or Ekosodin, you will see many tasks around you. Each survey pays from 150 Naira to 1200 Naira which is higher than GoJelly and Hawkit. They pay through Paypal or you can convert to Naira easily.

3. Lodpost

Lodpost is different from all the others. Lodpost pays you to write articles like this one that I am writing now. You write an article and share the link. For every 1000 people that read your article, they pay you 1 dollar to 5 dollars. That is about 1500 Naira to 7500 Naira. You don't need to do tasks for other people, you just write what you know. This is best for people who like writing.

4. Terawork

Terawork is a freelancing website for Nigeria. If you know how to write articles, design with Canva, edit videos, or do small online jobs, you can sell your service there. People pay from 5000 Naira to 50000 Naira per job. It is higher because it is skill-based but even beginners can start with simple writing jobs and logo design.

In conclusion, I use lodpost and Hawkit for daily small money of 500 to 1000 Naira and I use Lodpost and Terawork for bigger money weekly. If you are a student in Nigeria with just a phone, you can start with these 5 apps today. No need to pay money to start any of them.