May 27, 2019



Nigeria’s First Fully Digital Bank, get everything done from the comfort of your Phone.

With ALAT, account opening/sign-up can be done in five minutes from a mobile phone or personal computer. Account holders can instantly fund their new account using any existing local or international debit/credit card you may have, in-app. No branch/ATM visits necessary.  Debit cards are delivered to an account holder’s address in two business days, anywhere in Nigeria, at no cost.

Holders of ALAT account can also enjoy a simple automated savings plan that will see them earn 10 per cent annual interest – about three times the standard bank rate. They can also schedule frequent transfers (e.g. salaries or mumsi’s stipend) and bills (e.g. DSTV subscription) and forget about them.

With ALAT, Wema Bank has offered Nigerians everywhere in the world a bank that is designed to meet their needs. The new digital bank is expected to disrupt the banking landscape and is driven by three pillars – Convenience, Simplicity and Reliability.

Features and Benefits

  • You can now enjoy ALAT exclusives including automated savings goals with up to 10% interest and discounts.
  • Save with your friends using (Group Target & Rotating Savings).
  • Request for a virtual dollar card to pay online in dollars.
  • Get personal loans.
  • You now have more banking power within reach, wherever you can connect to the internet.
  • You’ll be able to do much more than was previously available on the Wema Mobile app, which we will no longer provide updates for.
  • Save money with discounts on your everyday needs.

How to get ALAT

  1. Download the app on Google Play (for Android phones) or the Apple App Store (for the iPhone).
  2. If you’re signed up on Wema Mobile, sign into ALAT with your existing login details and follow the prompts on your screen.
  3. If you’re not signed up on Wema Mobile, follow the prompts on your screen to sign up on ALAT.

Other banking options

  • There’s always *945# for banking without data on any phone, on any network, anywhere.
  • And of course, you can always walk into any of their branches and get great service.
  • Saving as easy as spending. ALAT helps make saving as easy as spending.  ALAT’s Goals are created by you to help you get the things you want.
  • Take the pressure off with a simple automated savings plan and earn 10% annual interest – three times the standard bank rate.
  • No reminder with ALAT. Schedule your transfers and recurring bill payments so they’re paid on time even if you forget.
  • You Can DIY. Change your PIN, update your personal information and upload documents with your phone’s camera.
  • Free Card Delivery. Pick one of three bank card designs and we’ll deliver yours to you in two business days, anywhere in Nigeria, at no cost.
  • Control your Card. Activate your debit card, lock it, unlock it and choose where it works all from your phone.

Instant Loans

As with everything else on ALAT, you can now apply for a loan without a paper work, no visitation to any physical location and response time between acceptance of offer and loan disbursement is in minutes. You can borrow as much as N200,000 (Two hundred thousand naira) without any collateral.

How it Works

  1. Login to ALAT or sign-up if you have not
  2. From the menu items, click on ‘’Loans’’
  3. Read through and understands ALAT disclaimer
  4. Upon successful credit evaluation and checks a loan offer is presented with duration and applicable interest based on users current risk score
  5. Read through and accept the Terms & Conditions which will contain consent to having your account debited for repayment at loan due date and provide your debit card details to be debited
  6. Your account will be immediately credited.

Paying back your loan

  1. At the pay back date if loan is still outstanding your will get a repayment notification after which your account will be automatically debited
  2. Customer gets repayment notification
  3. You may also wish to repay the loan before payback date from the Bills Payment option on the menu

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