Earn Money Online In Kenya to Your Mpesa in 5 Minutes

While making money in five minutes sounds like a marketing gimmick, there are a lot of apps and websites that allow Kenyans (and even savvy Nigerians) to earn cash payouts directly to their M-Pesa accounts within 5 minutes. From online surveys to gig platforms, earning money online in Kenya has become easy with alot of young people subscribing to them.

Some apps claim fast withdrawals and winnings transferred to M-Pesa within 5 minutes. While others let you accumulate points by completing surveys and then cash out as KES or directly to M-Pesa.

In this article, we will look at the different platforms that allow you earn money online in Kenya straight to your via M-Pesa in as little as 5 minutes; alongside practical tips on how to start earning quickly.

1What is the app that pays in Kenya via M-Pesa?

2How to earn money online in Kenya to your M-Pesa in 5 minutes

3How to work online and get paid in Kenya via M-Pesa?

3.11. Swagbucks (survey & rewards)

3.22. GeoPoll (survey app)

3.33. Watch Videos & Earn to Mpesa

3.44. Cheza Spin & Win Cash

3.55. TapMango/Other branded apps

4Online jobs in Kenya that pay through M-Pesa

4.11. ApexListings (Kenya micro-job platform)

4.22. Upwork (global freelancing platform)

4.33. Surveys and Task Sites

4.44. Content Creation & Sales

What is the app that pays in Kenya via M-Pesa?

It’s important to clarify that M-Pesa itself is not an earning app, but a mobile-money service for sending/receiving funds. Earning happens on external platforms, which then deposit your earnings into M-Pesa. There are a number of platforms that offer M-Pesa as a payout option. Let’s take a look at most of them;

Survey & rewards apps like Swagbucks allow Kenyan users to redeem earned points for cash sent to M-Pesa. Swagbucks pays its Kenyan members directly into M-Pesa wallets (each completed survey can earn ~KES 500).
Freelancing platforms such as Upwork let Kenyan freelancers withdraw earnings to their own M-Pesa account. Upwork’s help center confirms that payments via M-Pesa transfer “immediately” (usually within minutes, max 5 business days) for Kenyan freelancers. In other words, if a Nigerian had a Kenyan M-Pesa (via partner arrangements), they could similarly get Upwork earnings quickly.
Game/apps with instant payout: Some entertainment apps specifically integrate M-Pesa. For instance, Cheza Spin is a quiz/spin game where you can deposit via M-Pesa paybill and withdraw winnings to M-Pesa in minutes. Its Play Store info advertises 5-minute MPESA withdrawals after clicking “Proceed.”

How to earn money online in Kenya to your M-Pesa in 5 minutes

Truly earning and seeing money hit your M-Pesa in just five minutes is challenging, but some apps aim for rapid payouts. The general steps are:

Choose a quick-cash app: Install an app with instant withdrawal. After signing up and earning credits by playing games/quizzes, you tap “Withdraw Funds,” enter your M-Pesa number and amount, and click “Proceed.” The app claims your funds are sent to M-Pesa in about 5 minutes. It notes you can do this twice per day.
Complete the tasks or spins: These apps usually require you to accumulate some minimum to withdraw. Play games, spin wheels, or answer quizzes to reach that threshold.
Withdraw to M-Pesa: When you have enough balance, go to the app’s cashout page. Enter your Safaricom phone number (the M-Pesa account ID), and confirm the amount. The withdrawn funds will be swiftly transferred to your M-Pesa number in a span of 5 minutes.
Repeat or try alternative apps: If the 5-minute app is slow, consider a backup method. Some Kenyan survey apps (like GeoPoll) credit airtime or small cash shortly after each survey, effectively giving fast rewards. Other newer apps may advertise “instant payouts” to M-Pesa. Always read user reviews for reliability.

In reality, not all methods can deliver cash in exactly 5 minutes, but Cheza and similar gaming apps come closest. Other tasks (long surveys, freelance jobs) require more time before cashout, so the “5-minute” claim mainly applies to ultra-short tasks/games. When looking to earn quickly, prioritize apps that advertise fast M-Pesa payouts, and always verify by checking online reviews or comments.

How to work online and get paid in Kenya via M-Pesa?

Let’s take a look at some of the free-to-use apps (no upfront cost) popular in Kenya for earning real money, with M-Pesa payout options:

1. Swagbucks (survey & rewards)

A global platform where users earn points (SB) by taking surveys, watching videos, and shopping online. Kenyan members can redeem SB for cash credited to M-Pesa or for gift cards. Swagbucks is widely trusted; it advertises that it “pays users in Kenya via M-Pesa,” with surveys often paying up to KES 500 each.

2. GeoPoll (survey app)

GeoPoll runs micro-surveys via a mobile app or SMS. Participants can answer daily opinion polls and get rewards in airtime or mobile money. According to its site, you “earn and redeem airtime, or cash for paid tasks and surveys.” In Kenya, GeoPoll credits you by sending M-Pesa airtime transfers or equivalent cash after each survey. It’s free to join and quick (most surveys are short).

3. Watch Videos & Earn to Mpesa

This Android app (by Tech World Apps) lets users make money by watching ads/videos. The description says “make real money by doing simple tasks… payouts that are fast!”. It pays out in cash to M-Pesa. After collecting enough points from video watching (often KES 50–100 per day), you can withdraw to your Kenyan M-Pesa number. Many users report this as an easy way to earn a few extra shillings.

Explore the 15 Data Entry Online Jobs in Kenya | 2025 Update

4. Cheza Spin & Win Cash

A free quiz/spin app (Infotech Ltd) where you answer trivia and earn cash prizes. As mentioned, it connects directly to M-Pesa. Once you reach the minimum payout, you can withdraw to M-Pesa with the promised 5-minute transfer. It’s essentially a lottery-style game, so winnings are small but instant.

5. TapMango/Other branded apps

Some Kenyan loyalty or promotional apps (not explicitly cited here) pay users small rewards (points) for engagement, redeemable to M-Pesa. Always check the payout method before joining.

All the apps above are free to download and use; they earn money through surveys, games or ad-watching. The key common feature is that they support cashout to Kenya’s M-Pesa system. Users should sign up with a Kenyan phone number to link M-Pesa.

Online jobs in Kenya that pay through M-Pesa

For those looking for more substantial earning opportunities, Kenya’s freelance and gig economy offers several options that pay via M-Pesa:

1. ApexListings (Kenya micro-job platform)

ApexListings is a local marketplace (like a Kenyan Fiverr) where freelancers can do tasks for Kenyan clients. The site explicitly advertises “online jobs in Kenya that pay through Mpesa.” You can register as a freelancer (e.g. virtual assistant, content writer, data entry clerk) and take on tasks posted by buyers.

Once the task is done, the client pays, and Apex transfers the money to your Kenyan M-Pesa account. Common jobs include data entry, transcription, typing, research, writing, and formatting.

2. Upwork (global freelancing platform)

Upwork connects freelancers worldwide with clients. Importantly, Upwork supports Kenya’s M-Pesa as a payout method. Kenyan freelancers can withdraw their earnings from Upwork directly into their M-Pesa wallets. Upwork payments via M-Pesa usually arrive immediately.

Typical jobs include writing, graphic design, programming, virtual assistance and more. Upwork caps M-Pesa transfers at KES 70,000 per transaction, but multiple withdrawals can be made.

Also see: 15 Best Online Shopping Sites in Kenya | 2025 Update

3. Surveys and Task Sites

Various survey panels and micro-task sites also pay to M-Pesa. For example, GeoPoll (mentioned above) pays in M-Pesa airtime. Another example is the Kenyan platform Takata, which offers higher-paying surveys (KES 500–2000) and pays out to M-Pesa. These require consistent participation but can supplement income.

4. Content Creation & Sales

Although not a “job” platform per se, selling content or handicrafts online (to Kenyan buyers) can also pay via M-Pesa. Some of these Sites allow you to earn around KES 1,500 per photo sold, and you withdraw earnings by M-Pesa.

In each case, the work is done online or via phone, and the client/ platform disburses payment to the freelancer’s registered M-Pesa number. Always confirm payment terms in M-Pesa during onboarding. Many Kenyan clients simply send money to your Safaricom number, so you receive cash instantly.

Check out the Best Online Loans in Kenya Via Mpesa

FAQs

What is the app that pays real money in Kenya via mpesa?

PaidTasks to Mpesa

Which app pays you for chatting in Kenya?

Talkroom app

Does Surveoo work in Kenya?

Many Kenyans are already using Surveoo successfully

Conclusion

Earning in Kenya’s digital economy using M-Pesa is very feasible. From short surveys on apps to full freelancing gigs, there are paid opportunities that credit your M-Pesa account.

As a Nigerian user interested in earning online in Kenya, focus on apps available to Kenyan users, use a Kenyan M-Pesa if possible, and always verify the legitimacy of new platforms.