Today, online money games have become a popular way for people to earn, learn, and enjoy entertainment simultaneously. For Nigerians, these platforms offer opportunities to make extra income while sharpening critical thinking, strategy, and decision-making skills. From gaming apps to strategy-based competitions, these money games are creating accessible ways for individuals to turn their skills into real earnings.
I know this sounds really fun so in this article, I’ll dive into the top 11 money games online for Nigerians in 2025, providing you with everything you need to know about how they work, their benefits, and how you can get started.
Let’s dive right in…
Key Takeaways
- The popularity of online money games is rapidly increasing in Nigeria, offering opportunities to earn real cash while engaging in fun and competitive activities.
- Most of these platforms are mobile-friendly and accessible to Nigerians with basic internet access and a smartphone.
- Many of these games reward players based on skill, strategy, or luck, offering various ways to monetize your abilities.
- While there are genuine platforms, there are also scams. It’s crucial to research and use trusted platforms to avoid losing money.
- Online money games may not replace a full-time job, but they can provide supplemental income for Nigerians looking to diversify their earnings.
Top 11 Money Games Online for Nigerians in 2025
The growing interest in online money games among Nigerians has opened up avenues for entertainment that can also generate income. These platforms provide opportunities to combine strategy, skill, and a bit of luck to earn extra cash. From trivia to competitive card games, here’s a closer look at the top 11 online money games Nigerians can explore in 2025.
#1. Swagbucks Live
Swagbucks Live is one of the most popular trivia-based platforms globally, and it’s gaining momentum among Nigerians. The platform allows players to participate in live trivia sessions, answering questions across a variety of topics. The game’s appeal lies in its simplicity: all you need to do is correctly answer the questions posed during each session. Players earn Swagbucks (SB), which can be redeemed for cash via PayPal or converted into gift cards.
What sets Swagbucks Live apart is its accessibility. Nigerians with an internet connection and a smartphone can easily sign up, join the daily trivia sessions, and gradually accumulate earnings. Although the income is not enormous, consistent players report earning up to $100 monthly, which translates to approximately ₦164,300 at today’s exchange rate. For trivia lovers, Swagbucks Live is both a fun and rewarding experience.
#2. HQ Trivia
HQ Trivia revolutionized the way trivia games are played online, and its live-hosted format continues to attract a global audience. This platform hosts live quiz shows where players answer a series of increasingly difficult questions. Each game typically features a prize pool split among participants who successfully complete all questions.
Nigerians have been drawn to HQ Trivia because of its fast-paced, competitive nature and the allure of significant prize money. Winners of major games can earn up to $500 (₦821,500), which is a tempting incentive for trivia enthusiasts. However, HQ Trivia isn’t just about luck; participants need to stay sharp and possess a breadth of general knowledge to win consistently. For many, it’s not just about the cash—it’s the thrill of competing with thousands of players worldwide that keeps them coming back.
#3. Skillz Games
For those who enjoy skill-based challenges, Skillz offers a variety of games like 21 Blitz and Solitaire Cube, where strategy and quick decision-making are rewarded. The platform operates on a competitive model: players enter tournaments, paying a small entry fee, and winners take home real cash prizes. The competition levels the playing field by matching players with similar skills, ensuring fair gameplay.
What makes Skillz appealing to Nigerians is the opportunity to play familiar games while earning extra money. Unlike platforms purely based on luck, Skillz relies on the player’s abilities, making the rewards feel well-earned. Skilled players can earn up to $200 weekly (around ₦328,600), making this platform a viable option for those willing to invest time and effort into improving their gameplay.
#4. Wealth Words
If word puzzles are more your style, Wealth Words is an excellent choice. This platform combines fun and learning by challenging users to solve crossword puzzles and other vocabulary-based games. To participate, players purchase tokens, which grant access to specific puzzles. The aim is to solve these puzzles within a time limit to earn points, which can later be converted into cash rewards.
For Nigerians who enjoy word games and mental exercises, Wealth Words offers a chance to monetize these hobbies. The platform encourages players to think critically, making it both entertaining and intellectually stimulating. On average, consistent users report earnings of up to $150 per month, equivalent to approximately ₦246,450. While the income may seem modest, the platform serves as an engaging way to supplement earnings while enhancing cognitive skills.
#5. Bet9ja
Bet9ja is widely recognized in Nigeria as the leading sports betting platform, but it offers more than just traditional betting. Its suite of virtual games, including simulated football leagues and casino-style games, has garnered a dedicated following. Players can place small bets and win money based on their predictions and gameplay outcomes.
Bet9ja’s success among Nigerians lies in its familiarity and convenience. The platform is tailored to the Nigerian audience, with localized payment options and seamless integration with mobile devices. While caution is advised to avoid potential financial risks, Bet9ja remains a favorite for those looking to combine entertainment with earning potential. Skilled players can leverage their understanding of sports or game mechanics to consistently win money.
#6. Ludo Empire
Ludo Empire brings a modern twist to the classic board game of Ludo, a favorite among Nigerians. The online version allows players to compete with others in real-time, and winnings are tied directly to performance in each match. What makes Ludo Empire unique is its reward system: players earn real money for their victories, making it a lucrative option for those who enjoy strategy-based games.
For many Nigerians, Ludo Empire is more than just a game; it’s a chance to relive childhood memories while earning extra income. The platform is particularly popular among younger audiences who appreciate its interactive format and competitive edge. Whether played casually or as part of organized tournaments, Ludo Empire offers tangible rewards for those who hone their skills and think strategically.
#7. Mobile Premier League (MPL)
Mobile Premier League, or MPL, is a fast-growing platform that offers a wide range of competitive games, from arcade-style options to card-based challenges. Players compete in head-to-head matches or tournaments, earning cash rewards for their performance. MPL’s broad appeal lies in its diversity: there’s a game for everyone, regardless of skill level or interest.
Nigerians are finding MPL to be an accessible and enjoyable way to earn extra money. The platform frequently hosts cash-based tournaments with enticing prize pools, and its user-friendly interface ensures that even first-time players can quickly get started. For those willing to put in the time, MPL offers consistent opportunities to earn real money while enjoying a variety of games.
#8. Mistplay
Mistplay stands out as one of the most beginner-friendly platforms for earning money through gaming. While other platforms require significant skill or strategy, Mistplay rewards users for simply trying out new games and providing feedback. Players accumulate points based on time spent playing, which can then be redeemed for gift cards or PayPal cash.
For Nigerians looking for a low-pressure way to enter the world of online money games, Mistplay is an excellent starting point. The platform is perfect for casual gamers who want to earn rewards without the stress of competing in high-stakes matches. Though the earnings are modest, Mistplay provides an easy and enjoyable way to monetize gaming time.
#9. Paid Surveys with Toluna
Toluna is not strictly a game, but it offers an interactive and fun way to earn money by completing surveys and participating in polls. Users earn points for each completed activity, which can then be converted into cash or gift cards. The platform is particularly appealing to Nigerians because of its simplicity and accessibility.
For those who prefer less competitive options, Toluna provides a stress-free way to earn extra income. The surveys often cover interesting topics, making the experience engaging as well as rewarding. While the payouts may not be as high as other platforms, Toluna is a reliable option for anyone looking to earn money in their spare time.
#10. Roblox for Developers and Creators
Roblox is more than just a game; it’s a platform that allows users to create and monetize their own games. Developers earn money based on the number of players who engage with their creations, making it a lucrative option for Nigerians with coding or design skills.
The platform is ideal for tech-savvy individuals who want to turn their creativity into income. By designing unique, engaging games, developers can attract a large audience and generate significant revenue. For Nigerians interested in game development, Roblox offers endless opportunities to showcase talent and earn money simultaneously.
#11. Second Life Marketplace
Second Life is a virtual world where players can create, buy, and sell digital items for real money. The Marketplace feature allows users to monetize their creativity by designing virtual clothing, furniture, or even entire environments. Earnings depend on the popularity of the items sold.
For Nigerians with a knack for design, Second Life Marketplace provides a unique way to earn money online. The platform’s flexibility and global reach make it an attractive option for creative entrepreneurs looking to break into the digital economy.
How to Get Started with Online Money Games
Getting started with online money games as a Nigerian is simpler than ever, thanks to the increasing accessibility of mobile devices, internet connectivity, and user-friendly platforms. However, to make the most of these opportunities, it’s crucial to approach them strategically. Here’s a step-by-step guide to help you begin your journey and maximize your potential earnings.
#1. Research and Choose a Trusted Platform
The first and most critical step is to research and select a platform that suits your interests and skills. With so many money games available, the choices can be overwhelming. Some platforms, like Swagbucks Live and HQ Trivia, cater to trivia lovers, while others, like Skillz and Wealth Words, reward strategy and problem-solving. Additionally, there are platforms like Bet9ja or Ludo Empire for sports and traditional game enthusiasts.
When choosing a platform, ensure it is reputable and reliable. Check for user reviews and ratings online to verify its authenticity. Scam platforms often promise unrealistically high payouts or require hefty deposits upfront. Reputable options typically have clear terms and conditions, transparent payout structures, and a history of satisfied users.
#2. Create an Account and Verify Your Information
Once you’ve selected a platform, the next step is to register and verify your account. Most platforms require basic personal details, such as your name, email address, and sometimes a phone number. After registration, you may be required to verify your identity to comply with anti-fraud measures and to ensure you can withdraw your earnings seamlessly.
Verification often involves uploading a valid ID and providing banking details or a PayPal account for payouts. For Nigerians, platforms that accept local bank transfers or mobile wallets (like Paga or Flutterwave) are especially convenient.
#3. Understand the Rules and Gameplay
Each money game operates differently, so it’s important to familiarize yourself with the platform’s rules and how the games work. Some games are purely skill-based, rewarding players who master strategies, while others involve elements of luck, such as betting platforms. Take time to explore tutorials, demo games, or beginner-friendly matches that allow you to practice without risking real money.
For example, platforms like Skillz offer practice matches to help players improve their skills before entering paid competitions. Similarly, trivia games like Swagbucks Live and HQ Trivia provide insights into question patterns, allowing users to prepare effectively.
#4. Fund Your Account and Start Playing
Many online money games require an initial deposit to participate in competitions or tournaments. Ensure you fund your account only with an amount you can afford to lose, especially for platforms that involve risk-based gameplay like Bet9ja.
To fund your account, use secure payment methods such as debit cards, bank transfers, or mobile payment services. Many platforms have a minimum deposit requirement, which is usually low, making it accessible for Nigerians.
Once your account is funded, you can begin participating in games. Start small to understand the dynamics of the platform and gradually increase your involvement as you gain experience and confidence.
5. Track Your Progress and Withdraw Earnings
As you play, keep track of your performance and earnings. Reputable platforms typically have a dashboard where you can monitor your winnings. Set realistic goals to avoid overplaying or chasing losses, especially on competitive platforms.
When withdrawing your earnings, check the platform’s payment policies. Many platforms have a minimum withdrawal amount, and payments are typically processed within a few days. Platforms like Wealth Words and HQ Trivia use PayPal, while local options like Bet9ja offer direct transfers to Nigerian bank accounts.
By starting with small, consistent wins and focusing on trusted platforms, you can make the most of online money games while minimizing risks.
Benefits of Playing Money Games Online
Online money games are not just about making extra income; they offer a range of benefits that extend to entertainment, skill development, and even community building. For Nigerians exploring these platforms, the advantages go beyond monetary rewards, making these games an enriching experience. Here are the key benefits of engaging with online money games.
#1. Supplemental Income
For many Nigerians, online money games provide an opportunity to earn supplemental income. While these platforms may not replace a full-time job, they can help cover small expenses, build savings, or provide extra spending money. For instance, consistent players on platforms like Swagbucks Live or Wealth Words can earn between ₦10,000 and ₦50,000 monthly, depending on their level of activity.
What makes this income particularly appealing is its flexibility. Unlike traditional jobs, online money games allow users to earn on their own schedule, making it a viable option for students, stay-at-home parents, or those with part-time jobs.
#2. Skill Development
Many online money games are skill-based, requiring players to think critically, strategize, and make quick decisions. Platforms like Skillz and Ludo Empire encourage players to sharpen their analytical and problem-solving skills, which can have real-world applications.
For example, trivia platforms like HQ Trivia enhance general knowledge and memory recall, while card-based games on Skillz help improve concentration and decision-making. Over time, players develop valuable cognitive abilities that go beyond gaming.
#3. Stress Relief and Entertainment
Gaming has long been recognized as a source of stress relief, and online money games are no exception. The interactive nature of these platforms provides an engaging escape from the pressures of daily life. For Nigerians dealing with the hustle and bustle of urban living or the challenges of rural environments, these games offer a relaxing way to unwind while earning extra money.
Ludo Empire, for instance, brings a nostalgic touch, allowing players to enjoy a childhood favorite in a competitive online format. Similarly, platforms like Mistplay cater to casual gamers looking for lighthearted entertainment.
#4. Opportunities for Networking
Some platforms foster a sense of community by connecting players from around the world. Multiplayer games like Mobile Premier League (MPL) and Ludo Empire encourage interaction, teamwork, and friendly competition. These interactions can lead to networking opportunities, new friendships, and even collaborations outside the gaming sphere.
For Nigerians, the chance to engage with players globally can be a gateway to exploring different cultures, exchanging ideas, and building social connections.
#5. Accessibility and Flexibility
One of the greatest advantages of online money games is their accessibility. With a smartphone and an internet connection, Nigerians can participate in these games from virtually anywhere. Platforms like Bet9ja and Swagbucks Live are mobile-friendly and designed for on-the-go gaming.
Moreover, the flexibility of these platforms allows users to play at their convenience, whether during a lunch break, on weekends, or late at night. This adaptability makes online money games an ideal option for individuals balancing work, studies, or family commitments.
Free Tips to Maximize Earnings on Money Games
Maximizing your earnings from online money games requires strategy, preparation, and careful execution. For Nigerians venturing into these platforms, it’s important to approach the games with a plan to make the most of your time and effort. Here are actionable tips to help you boost your winnings.
#1. Focus on Skill-Based Games
While some online money games rely heavily on luck, skill-based platforms offer greater control over your earnings. Games like Skillz (e.g., 21 Blitz, Solitaire Cube) and Ludo Empire reward strategy, practice, and decision-making. Unlike games of chance, these platforms allow you to develop your skills over time and increase your winning potential.
For example, a player on Ludo Empire who understands the game’s strategy and timing mechanics is far more likely to win consistently compared to someone who plays casually. Dedicate time to practicing and mastering your favorite games to improve your odds of success.
#2. Manage Your Budget Wisely
It’s crucial to set a budget before you start playing money games, especially on platforms that require deposits or entry fees. Decide how much you’re willing to spend and stick to that limit, ensuring you don’t chase losses or overspend in pursuit of bigger payouts.
For instance, if you’re using Bet9ja or another betting platform, start with small wagers to understand the mechanics before increasing your stakes. Budgeting ensures that you can enjoy the games responsibly without putting your finances at risk.
#3. Take Advantage of Free and Trial Games
Many platforms, such as Skillz and Mobile Premier League (MPL), offer free games or practice rounds where you can hone your skills without risking money. Use these opportunities to familiarize yourself with the platform’s gameplay, rules, and dynamics. By practicing in a no-risk environment, you’ll feel more confident and prepared when you switch to paid competitions.
For trivia-based platforms like HQ Trivia, review past question themes and play mock quizzes to sharpen your knowledge before live sessions. The more prepared you are, the higher your chances of winning.
#4. Play During Peak Opportunities
Timing can be a crucial factor in maximizing your earnings. Many platforms host special events, tournaments, or peak-period games where prize pools are larger. For example, HQ Trivia occasionally offers major jackpot games with cash prizes of up to $500, while Skillz organizes tournaments with enhanced payouts during weekends or holidays.
Stay updated on these events by following the platforms’ announcements and schedules. Participating during peak opportunities can significantly boost your winnings.
#5. Build a Winning Network
Some games and platforms encourage collaboration or friendly competition among users. For example, multiplayer games like MPL and Ludo Empire allow you to connect with other players. By building a network of skilled players, you can exchange tips, strategies, and insights to improve your gameplay.
Additionally, engaging with online communities on platforms like Reddit, Facebook, or WhatsApp groups can provide valuable advice and keep you informed about new opportunities or changes in gameplay dynamics.
What are online money games?
Online money games are games played on websites or apps where participants can win real money. These games range from skill-based competitions like trivia and card games to luck-based ones like lotteries and online betting.
Are online money games legal in Nigeria?
Yes, many online money games are legal in Nigeria. However, it’s important to ensure that the platform you use complies with Nigerian regulations and has a reputable track record.
How much can I earn from online money games?
Earnings vary depending on the platform and the player’s skill level. Some platforms offer small daily earnings, while others can pay out larger amounts for tournaments or competitions.
What do I need to play money games online?
Most platforms require a smartphone, a stable internet connection, and, in some cases, an initial deposit or registration fee.
How do I avoid scams when playing money games online?
Stick to reputable platforms with verified reviews and avoid any site that requires excessive upfront payments or has unclear terms of use.
Conclusion
Online money games have created a world of opportunities for Nigerians to earn supplemental income while engaging in fun and interactive activities.
For Nigerians exploring these platforms, the journey begins with careful research and planning. By choosing trusted and reputable platforms, mastering your chosen games, and adopting a disciplined approach, you can minimize risks and maximize your rewards. While the earnings may not replace a full-time income, they can serve as a valuable supplement to your financial goals.
It’s also essential to remain cautious and avoid platforms that promise unrealistic payouts or require excessive upfront deposits. Stick to verified platforms and always play responsibly, remembering that consistency and preparation are key to long-term success.