Ultimate Guide: How to Make Money Using Your Phone in Kenya

With just a smartphone and internet access, you can start making money in Kenya. Whether you want to earn through freelancing, social media, or mobile apps, there are plenty of opportunities available. Here’s how you can make money using your phone in Kenya.

1. Freelancing and Online Gigs

Many platforms allow Kenyans to earn money by offering services online. Some of the most popular freelance opportunities include:

  • Article writing – Join sites like Upwork, Fiverr, and iWriter.
  • Transcription – Work on sites like Rev and TranscribeMe.
  • Graphic design – Use Canva or Adobe Spark and sell your designs.
  • Virtual assistance – Help businesses manage emails, scheduling, and social media remotely.

2. TikTok and Social Media Monetization

Social media platforms provide many income-generating opportunities. You can earn money on TikTok, Instagram, and Facebook through:

  • Brand sponsorships – Get paid to promote products.
  • Live streaming gifts – Receive virtual gifts that can be converted to cash.
  • Affiliate marketing – Promote brands and earn commissions on sales.
  • Selling your products or services – Use social media to market your business.

3. Online Surveys and Microtasks

Earn money by completing surveys and small tasks using apps such as:

  • Swagbucks – Earn points by answering surveys and watching videos.
  • Toluna – Get paid for sharing your opinions.
  • Clickworker – Complete microtasks like data entry.

4. Affiliate Marketing

Promote products and earn a commission from sales. Join affiliate programs like:

  • Jumia Affiliate Program – Promote local products.
  • Amazon Associates – Earn by sharing international product links.
  • ClickBank – Sell digital products globally.

5. Mobile Money Lending and Investments

Use your phone to invest and grow your money. Some ways include:

  • Peer-to-peer lending – Use platforms like Tala and Branch to lend money.
  • Stock and forex trading – Invest in trading apps like FXPesa and Hisa.
  • Saving apps – Earn interest using platforms like M-Shwari and KCB M-Pesa.

6. Content Creation and Blogging

Create engaging content and monetize it through:

  • YouTube videos – Earn from ads and sponsorships.
  • Blogging – Write about trending topics and use Google AdSense.
  • Podcasting – Start a podcast and make money from sponsorships.

7. Selling Digital Products and Courses

Turn your knowledge into income by selling:

  • E-books – Write and sell books on Amazon Kindle or Gumroad.
  • Online courses – Teach skills on Udemy or Teachable.
  • Stock photos and videos – Sell images on Shutterstock and Adobe Stock.

8. Ride-Hailing and Delivery Services

If you own a motorcycle or car, you can make money by:

  • Driving for Bolt or Uber – Register as a driver.
  • Doing deliveries – Join Glovo, Jumia Food, or local courier services.
  • Renting out your vehicle – List your car for hire on platforms like Autochek.

Final Thoughts

Making money in Kenya using your phone is easier than ever. Whether through freelancing, social media, investments, or online businesses, you can turn your smartphone into a money-making tool.