Things are moving fast in 2025, and believe it or not, you can make up to Ksh 30,000 a week or even more by just using your phone.
The crazy thing is, most people underestimate the power sitting in their hands. They scroll through TikTok, laugh at memes, and refresh Instagram to see the latest trends… but they don’t realize that the same phone can unlock real income through online side hustles.
Today, I’m going to show you 7 websites and apps that can actually put money straight into your M-Pesa. No big capital. No fancy tech degree. Just your time, some data, and a willingness to try.
Sounds simple? That’s because it is. The truth is, most people hear “make money online” and roll their eyes. I get it, I have been there too. There’s been a lot of hype and scams out there regarding online money making schemes. But these are different and if not different, the information here will give you a clear picture.
I’ve personally tested these apps. Some helped me pay for Wi-Fi. Others cleared small debts. One even covered my rent last December when things got tight.
So stick with me till the end, because this might be the shift you’ve been waiting for. Remember, Fineducke is the best hub in Kenya for all financial education you might need.
Let’s start light.
Geopoll is a survey app that pays you just to answer simple questions. This app has been operating in Kenya for quite sometime. It was created in the year 2012. I used to use is back in campus (Laikipia University) around 2014, it is still operational and is even better now.
By using Geopoll, you will answer questions such as:
You’re not writing essays here. Just tapping buttons and sharing your honest views.
A friend of mine, Mercy from Eldoret, made KSh 1,500 in a week while waiting for her KCSE results. She told me, “Clint, I used to waste bundles refreshing TikTok, now at least I get lunch money while I scroll.”
It’s not millions—but for data, lunch, or airtime? Totally worth it.
You don’t need 100K followers to monetize your voice.
With Wowzi, even a small audience can earn from micro-campaigns—things like:
And they pay. Directly to M-Pesa.
Gatwiri, a university student from Meru, made KSh 3,500 in a week just by joining two campaigns and posting statuses on WhatsApp.
If you’ve got 50+ active friends or followers and can follow instructions, Wowzi is a goldmine hiding in plain sight.
This one’s a gem and sadly, very underrated.
Jumia KOL (short for Key Opinion Leader) is Jumia’s affiliate marketing program.
You sign up for free, get custom links to Jumia products, then share those links on WhatsApp, Facebook, Twitter, wherever your people hang out online.
If someone clicks and buys?
Boom. You get a commission.
Winnie, a mom from Kitale, made KSh 12,000 in her first two months just by posting flash deals and product reviews on her WhatsApp status. She told me, “Clint, I’m not even a content creator. I just post links and answer DMs.”
You don’t need a huge following. You need consistency and some trust from your audience. That's it.
This one's for the folks who don’t mind a bit of repetitive work.
With platforms like Toloka and Appen, you get paid to complete tiny tasks like:
It may sound boring, but this is real work done by people all over the world, and the payouts are solid if you stay consistent.
James, a third-year IT student in Juja, makes about KSh 9,000 per month doing tasks in the evenings. That covers his data, lunch, and part of his rent.
Not sexy. Just steady.
You’ve probably heard the name—but did you know Ajira isn’t just a training platform anymore? They now directly connect Kenyans to real, paid gigs in writing, transcription, data entry, and more.
The jobs aren’t daily, but when they land, they’re legit. Most pay in USD or KES and can be withdrawn through local accounts or M-Pesa.
One guy I met at an Ajira hub in Kakamega made KSh 28,000 in 3 weeks doing transcription for a research project.
His secret? He showed up consistently, learned the skills, and grabbed the jobs when they dropped.
Don’t ignore Ajira. It may not trend online—but it’s feeding real households.
This one’s different.
Fiverr isn’t a typical app—it’s a global freelance marketplace.
You create a profile, list what you’re good at (writing, voiceovers, design, even translating Swahili to English), and clients from anywhere in the world can hire you. Yes, they pay in dollars. And yes, you can withdraw that money straight to your M-Pesa via Payoneer.
I did my first Fiverr gig back in 2020. I got paid $10 for proofreading a blog post. I was shocked. Not because it was a lot of money—but because I never knew I could earn in USD just sitting in Rongai with my phone.
That $10 became $50. Then $200. Now Fiverr is one of my main sources of income.
Moral of the story?
You don’t need a new skill. You need to use what you already have. Just package it well.
If you liked Geopoll, you’ll love PawlPay. It’s similar but connects you to international surveys—which often means better pay.
The questions are broader:
Once you hit the minimum payout, you cash out via PayPal, then use platforms like CheaperCash or Wise to move the money to your M-Pesa.
It’s simple. It works. It’s just not loud on TikTok yet.
Here’s the honest truth:
You won’t get rich overnight.
But if you treat these apps like seeds and water them with consistency, they can grow into something real.
Maybe it’s a side hustle. Maybe it becomes your main hustle. Who knows?
What I do know is this—scrolling endlessly won't pay your bills. But learning how to earn from your scrolls might.
I’m Clinton Wamalwa Wanjala, a financial writer and certified financial consultant passionate about empowering the youth with practical financial knowledge. As the founder of Fineducke.com, I provide accessible guidance on personal finance, entrepreneurship, and investment opportunities.
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