Deposits Insured by
ALAT handles it all; fast, secure, and designed for you.
Spend your way. Get instant virtual cards or request a physical card with total control.
Manage your finances using just your voice. Check balances, transfer funds, and pay bills hands-free with our secure voice command assistant.
Pay with a tap. Secure, contactless payments between ALAT accounts—no account numbers needed.
No more queues, closing hours, or "come back later." ALAT is open 24/7 so you can send, save, and spend from anywhere.
TransferCredit cards
Pay bills
Prepaid loans
ALAT deals
Buy airtime
Send money to any bank in Nigeria instantly. Quick, easy, and without the usual stress.
Backed by Wema Bank and NDIC-insured, your money is protected with biometric login and smart fraud detection.
Potential Fraud Alert
The recipient account has been marked for suspicious activity. Would you like to continue or cancel the transaction?
Open an account, instantly order a debit or debit card, and we'll
deliver it to your doorstep anywhere in Nigeria. Fast and secure.
Request your card in app
Delivered Anywhere in Nigeria
Full control, freeze, block, or limit spend
Works online & in stores
Whether you're saving for short-term goals or looking to build long-term wealth, ALAT gives you the tools to grow your money your way.
Treasury Bills
Short-term securities issued by the CBN.
Stocks
Buy and sell stocks anytime, anywhere.
Personal Savings
Save by yourself towards a new target.
Group Savings
Save with others towards same goal.
Best Digital Bank
World Finance Awards
2017 & 2018
Mobile App of the Year
World Finance Awards
2017
Best Digital Bank
Asian Banker Awards
2018
Best Digital Bank
World Finance Awards
2017 & 2018
No guesswork. Just clear answers to the things people ask the most.
It's quick and 100% digital. Just download the ALAT app from the Play Store or App Store, tap "Open an Account," and follow the steps. You'll need your phone number, a valid ID, and your BVN (optional but recommended for full features). No paperwork or branch visits needed, your account will be ready in minutes.
Never thought l'd be saying this, So Wema Bank went from a zero to 100 with their new bank app upgrade. The speed, user interface, everything is just unbelievable. It feels alot better than Opay and other bank apps I've used, they even have a voice banking channel.
Victor Alex
Excellent App. I just love everything about it. I have been using it for a while. I love the interface.
Atogwe Juniour
Alat is seamless and has the lowest amount of failed transactions. You can find everything you want on the app to prevent you from going to the banking hall
Mmedara A.
I have enjoyed every bit of alat by wema application features and I can say they have tried a lot.
Biodun Samuel
It is the most seamless app I have ever used in my life. Since 2017 that I have downloaded this app, and I have never for once regretted using this app once. I smile when some people call it old bank, they don't know what they are missing. Kudos to Wemabank plc. Alat 2.0 is a banger
Halimat Ajao
A Great App with nice interface. The bank is doing a great job. Never a dull moment with this bank app(ALATEVOLUTION). With the new evolution, It's sleek, faster, easy to navigate and a great more features. Nice one and keep the flag on
Adeyinka Olami-lekan
One of the best banking app. If you love apps with beautiful layouts and design, Alatbywema has it. Payments are easy, swift and seamless ❤️. It's a 10/10 banking app for me
Rachael Oluwadamilola
The best one stop banking app ever. seamless transfers, smooth bill payment. Ease of setup and very secured. All your banking needs met in one app.
Gerald Emekalam
The new upgrade is fire! voice banking on point. When every other app fails, Alat does it for me at a 99.9% rate Everytime.
Okpala Ernest
The fact I've never had any reason to walk into the bank to get or activate my card, update or resolve bank issues has totally been something I'm happy about. I also love how the app is well equipped with resources like the save, invest and dollar account option.
Amaka Ebenebe
It's so amazing 🤩 SAW, the AI assistant is really awesome. Now I can bank without tapping, by simply using my voice. Really cool!
Chima Uduma
Impressive improvement and truly amazing! This platform introduces a unique implementation feature that I haven't seen anywhere else. Great job to the team
AY God
The updated app is exceptional. The interface is very friendly and my kids want to talk to SAW always.
Yasheu Williams
I love the updated version of this app. It makes my transaction seamless. I've used various banks but all I can say is that ALAT by Wema is the best
Adeniyi Gabriel
Smooth. Fast. Reliable and packed with futuristic features 😍. This is next-level digital banking! I highly recommend
Anita Eyeta
This is commendable. The new update has fixed the issues of finger print enrolment and face recognition. Keep up the good work wema. I give you 5 stars now. 😁
Christian Ikhidero
This latest app is very powerful. The best I have seen so far. I am enjoying it. Keep powering WEMA. Please keep it up, don't disappoint us
Nnaife Edward
It is seamless, with awesome cutting edge voice banking (SAW) first of its kind, user friendly. Instant bank transfer settlement. I think it is a great app.
Mike
The WEMA/ALAT bank app is very efficient and active. I've been using it since I opened the account for about 5 years and there has never been any issues with it. I have full trust in the app and I recommend WEMA/ALAT to anyone who want a seamless bank transaction bank app.
Ayodeji Oguntuase
Virtual card works perfectly for intended purposes and save me a lot trouble.
Obadina Tobi
Never thought l'd be saying this, So Wema Bank went from a zero to 100 with their new bank app upgrade. The speed, user interface, everything is just unbelievable. It feels alot better than Opay and other bank apps I've used, they even have a voice banking channel.
Victor Alex
I have enjoyed every bit of alat by wema application features and I can say they have tried a lot.
Biodun Samuel
One of the best banking app. If you love apps with beautiful layouts and design, Alatbywema has it. Payments are easy, swift and seamless ❤️. It's a 10/10 banking app for me
Rachael Oluwadamilola
The fact I've never had any reason to walk into the bank to get or activate my card, update or resolve bank issues has totally been something I'm happy about. I also love how the app is well equipped with resources like the save, invest and dollar account option.
Amaka Ebenebe
The updated app is exceptional. The interface is very friendly and my kids want to talk to SAW always.
Yasheu Williams
This is commendable. The new update has fixed the issues of finger print enrolment and face recognition. Keep up the good work wema. I give you 5 stars now. 😁
Christian Ikhidero
The WEMA/ALAT bank app is very efficient and active. I've been using it since I opened the account for about 5 years and there has never been any issues with it. I have full trust in the app and I recommend WEMA/ALAT to anyone who want a seamless bank transaction bank app.
Ayodeji Oguntuase
Never thought l'd be saying this, So Wema Bank went from a zero to 100 with their new bank app upgrade. The speed, user interface, everything is just unbelievable. It feels alot better than Opay and other bank apps I've used, they even have a voice banking channel.
Victor Alex
I have enjoyed every bit of alat by wema application features and I can say they have tried a lot.
Biodun Samuel
One of the best banking app. If you love apps with beautiful layouts and design, Alatbywema has it. Payments are easy, swift and seamless ❤️. It's a 10/10 banking app for me
Rachael Oluwadamilola
The fact I've never had any reason to walk into the bank to get or activate my card, update or resolve bank issues has totally been something I'm happy about. I also love how the app is well equipped with resources like the save, invest and dollar account option.
Amaka Ebenebe
The updated app is exceptional. The interface is very friendly and my kids want to talk to SAW always.
Yasheu Williams
This is commendable. The new update has fixed the issues of finger print enrolment and face recognition. Keep up the good work wema. I give you 5 stars now. 😁
Christian Ikhidero
The WEMA/ALAT bank app is very efficient and active. I've been using it since I opened the account for about 5 years and there has never been any issues with it. I have full trust in the app and I recommend WEMA/ALAT to anyone who want a seamless bank transaction bank app.
Ayodeji Oguntuase
Excellent App. I just love everything about it. I have been using it for a while. I love the interface.
Atogwe Juniour
It is the most seamless app I have ever used in my life. Since 2017 that I have downloaded this app, and I have never for once regretted using this app once. I smile when some people call it old bank, they don't know what they are missing. Kudos to Wemabank plc. Alat 2.0 is a banger
Halimat Ajao
The best one stop banking app ever. seamless transfers, smooth bill payment. Ease of setup and very secured. All your banking needs met in one app.
Gerald Emekalam
It's so amazing 🤩 SAW, the AI assistant is really awesome. Now I can bank without tapping, by simply using my voice. Really cool!
Chima Uduma
I love the updated version of this app. It makes my transaction seamless. I've used various banks but all I can say is that ALAT by Wema is the best
Adeniyi Gabriel
This latest app is very powerful. The best I have seen so far. I am enjoying it. Keep powering WEMA. Please keep it up, don't disappoint us
Nnaife Edward
Virtual card works perfectly for intended purposes and save me a lot trouble.
Obadina Tobi
Excellent App. I just love everything about it. I have been using it for a while. I love the interface.
Atogwe Juniour
It is the most seamless app I have ever used in my life. Since 2017 that I have downloaded this app, and I have never for once regretted using this app once. I smile when some people call it old bank, they don't know what they are missing. Kudos to Wemabank plc. Alat 2.0 is a banger
Halimat Ajao
The best one stop banking app ever. seamless transfers, smooth bill payment. Ease of setup and very secured. All your banking needs met in one app.
Gerald Emekalam
It's so amazing 🤩 SAW, the AI assistant is really awesome. Now I can bank without tapping, by simply using my voice. Really cool!
Chima Uduma
I love the updated version of this app. It makes my transaction seamless. I've used various banks but all I can say is that ALAT by Wema is the best
Adeniyi Gabriel
This latest app is very powerful. The best I have seen so far. I am enjoying it. Keep powering WEMA. Please keep it up, don't disappoint us
Nnaife Edward
Virtual card works perfectly for intended purposes and save me a lot trouble.
Obadina Tobi
Alat is seamless and has the lowest amount of failed transactions. You can find everything you want on the app to prevent you from going to the banking hall
Mmedara A.
A Great App with nice interface. The bank is doing a great job. Never a dull moment with this bank app(ALATEVOLUTION). With the new evolution, It's sleek, faster, easy to navigate and a great more features. Nice one and keep the flag on
Adeyinka Olami-lekan
The new upgrade is fire! voice banking on point. When every other app fails, Alat does it for me at a 99.9% rate Everytime.
Okpala Ernest
Impressive improvement and truly amazing! This platform introduces a unique implementation feature that I haven't seen anywhere else. Great job to the team
AY God
Smooth. Fast. Reliable and packed with futuristic features 😍. This is next-level digital banking! I highly recommend
Anita Eyeta
It is seamless, with awesome cutting edge voice banking (SAW) first of its kind, user friendly. Instant bank transfer settlement. I think it is a great app.
Mike
Alat is seamless and has the lowest amount of failed transactions. You can find everything you want on the app to prevent you from going to the banking hall
Mmedara A.
A Great App with nice interface. The bank is doing a great job. Never a dull moment with this bank app(ALATEVOLUTION). With the new evolution, It's sleek, faster, easy to navigate and a great more features. Nice one and keep the flag on
Adeyinka Olami-lekan
The new upgrade is fire! voice banking on point. When every other app fails, Alat does it for me at a 99.9% rate Everytime.
Okpala Ernest
Impressive improvement and truly amazing! This platform introduces a unique implementation feature that I haven't seen anywhere else. Great job to the team
AY God
Smooth. Fast. Reliable and packed with futuristic features 😍. This is next-level digital banking! I highly recommend
Anita Eyeta
It is seamless, with awesome cutting edge voice banking (SAW) first of its kind, user friendly. Instant bank transfer settlement. I think it is a great app.
Mike
