39.4K reviews
Content rating
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About this app

Introducing Africa’s first fully digital bank, ALAT, the ultimate digital banking solution brought to you by Nigeria’s foremost innovative bank, Wema Bank. With our digital and mobile banking app, ALAT, you can effortlessly manage finances, track spending, control spending limit, pay bills with ease and enjoy quick transactions at your convenience.

Since its release in 2017, ALAT has expanded its range of solutions to cater to the evolving needs of every user, empowering you with an encompassing banking experience that extends across all aspects of life, from finances to health, travel, lifestyle, insurance, savings, transportation & much more.

Through ALAT, users have enjoyed free bank card delivery services, deals & discounts, automated goal savings, stress-free control of finances and several other unique benefits.

With ALAT, you can:
1. Grow money, alone or with others, through automated Personal & Group Savings Goals tailored to your needs, explore seamless account management at your fingertips and efficient money management tools via the Personal Finance Manager on ALAT.
2. Experience secure banking with biometrics and selfie verification, facial recognition, and PIN authentication.
3. Prioritise your peace with features like incognito mode, light mode or dark mode settings, privacy features like “hide balance”, theme selection based on preference, cheque management [confirm, request, stop], card control and card management [lock, freeze, cancel, block], email and SMS notifications according to stipulated SMS and data charges disclaimer.
4. Access financial support with Collateral-free loans tailored to your needs—no hidden charges!
5. Enjoy both basic and advanced financial services ranging from Upgrade Account, Account funding, transfer money, buy airtime, buy data, pay for bills, Virtual Banking [including a Virtual Dollar Card], seamless online payments and Utilities payment, to Receipts management, bill scheduling, block card payments, report a dispense error, check transaction history, new account opening, settle transaction disputes, shop worldwide based on compatibility with Nigerian bank cards, bank and save in dollars with your domiciliary account, and enjoy many more desirable services and benefits.
7. Receive comprehensive support via our Customer Support contact information and in-app error reporting.
8. Enjoy Accessibility [no need to visit the bank] with 24/7 digital banking at your convenience, plus our seamless ALAT registration process for both Wema Account Holders and Non-Wema Account Holders.

In addition to ALAT, Wema Bank offers a plethora of banking options, especially with our USSD solution *945# which allows you bank with no internet connection requirement and no activation code needed, just your USSD Pin. If you love to visit our branches, our Phygital Tablets add the Digital Touch to your physical banking experience, allowing you "serve yourself" and sort your banking needs without the need for a Customer Service Agent—it's in-branch banking with no queues!

Enjoy an extensive range of payment options powered by Wema Bank, from USSD to Wema NQR, our "scan-to-pay" option; Africa's pioneering fully digital bank, ALAT; our seamless payment gateway, ALATPay; credit and debit cards, and more! For cards, simply request on ALAT or get an instant card with our in-branch activation option. Whatever your preferred banking method, we've got the perfect solution!

Enjoy reliable financial services, efficient transfers and payments, instant notifications, and seamless banking tailored to all aspects of your diverse needs, all on ALAT. Think of ALAT as the one-stop shop for all your banking, financial, life and lifestyle needs!

Join the digital banking revolution with ALAT today and experience seamless and secure banking like never before.

Download the ALAT app now and enjoy banking accessibility on any internet-enabled device, anytime, anywhere.
Updated on
Apr 26, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

39K reviews
christall osungbohun
July 29, 2023
Alat hasn't been a bad app in terms of the services that can be accessed. However, Alat neets to do better. Initial setup isn't very easy to do on low end phones especially unless you go to the bank Cust. Rep. Also, it takes time to resolve any complaint or acknowledge and implement any upload of documents. Finally, the fingerprint feature for login in not working can be very burdensome. Apart from this, the app is great. Transaction error rate is very low and fast, creating lite accounts too.
37 people found this review helpful
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Cool Oladi
August 30, 2021
I understand that everyone is entitled to their opinion about their experience with this app but to be candid Alat by wema has made my banking experience smooth and easy. I don't even have to the bank to do anything. The app is awesome and the layout is exceptional. I love everything about this app. It's a ten 🌟 rating for me. I would love to see a patnership between Alat and Payoneer and also a reduction in transaction fees will go a long way in making this service much success.
278 people found this review helpful
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Wema Bank
September 23, 2021
Thank you for providing your valuable feedback. Please reach out to us at help@alat.ng, if you have other suggestions.
Ikenna Elechi
October 11, 2023
I used the app for years without issue, but about 2 weeks ago I tried to transfer money from my main account to my Goal which failed. When I tried again it succeeded, but in doing so, all the money in my account was sent to the Goal. For almost 2 weeks, liquidating the Goal failed every time I tried. But the worst part was their customer care. This was a thoroughly disappointing experience.
27 people found this review helpful
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What's new

The Latest ALAT V4.4.0. brings new exciting features and improvements.
Here’s what’s new:

1. New customers can now use their NIN as their primary ID for account upgrade.
2. Customers can purchase international e-vouchers in naira on the app and redeem them on the vendor’s platform.
3. Customers can pay bills using Remita.
4. Customers can generate goal certificates for embassies or other organizations.

Your online banking experience just got even better.
Upgrade your ALAT app now to enjoy!!