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ALAT

ALAT

Digital Bank, Bills, Airtime

2.5K ratings
263 reviews
💰 Finance
Free

Details

Released
April 21, 2017
Updated
October 24, 2026

Features

Background Location Access

Developer

Wema Bank Plc
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Reviews summary↘︎
⭐263
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📝23+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 1 month
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About

This digital banking app offers a comprehensive suite of financial services, including bill payments, money transfers, savings options, and access to loans and insurance. It provides secure login, transaction tracking, and card management features for a seamless banking experience.

✓Digital banking services
✓Bill payments and scheduling
✓Local and international money transfers
✓Personal and group savings
✓Access to loans and insurance
✓Card management and security
✓Travel bookings and deals
Show original description

What users say about ALAT

Reviews of ALAT are mostly negative: the Finance app is rated 3.6/5 from 2.5K App Store ratings. What users like most: fast and reliable, user-friendly interface. Top complaints: frequent app crashes, poor customer service. Summarized from real user reviews.

Positive things

  • 🚀Fast and reliable
  • 👍User-friendly interface
  • 💡Innovative features
  • 🔒Secure banking

Negative things

  • 🐛Frequent app crashes
  • 🔍Poor customer service
  • 💰High transaction fees
  • ⚠️Unreliable app performance
See all reviews
+1

What's New in ALAT

5.0.9

October 24, 2026

New Features: • Exchange Rate Calculator • International spending on USD cards • ZonePay • Savers Challenge • DSR Calculator • Verve Card Tokenization for Tap & Pay Enhancements: • Improved onboarding and address verification • Enhanced account upgrades and Royal Kiddies account creation • Improved AI savings recommendations • Updates to card tracking, loans, Deals, and Flights • Airtime network status notifications • Bug fixes and performance improvements

More

User reviews

Most RecentHighest RatedLowest Rated

Reliable

Smooth and user-friendly…Quite fast too!
TTdrumz89

Terrible set of apps

Writing this because they keep ignoring reviews on ALAT Xplore, terrible customer service btw
CBcourse bug

Not okay

Ive been unable to log in for days now
And my friends also have same complaints
Im trying my best to be the best polite
This is when I need the app the most…it’s now misbehaving
IIre2006

Review

The bank is slow to open and send out money
S🧸sznremy 🧸

Great

Can you please bring back the western union cash pickup in the app before the upgrade do that if possible
AAltoclef299
See 258 more reviews

Developer apps

ALAT FOR BUSINESS
ALAT FOR BUSINESS

by Wema Bank Plc

💰 Finance

(36)

Free
BankPass
BankPass

by Wema Bank Plc

💰 Finance

(6)

Free
We-Learn
We-Learn

by Wema Bank Plc

📚 Education
Free
WEMA Bank MobilePASS+
WEMA Bank MobilePASS+

by Wema Bank Plc

💰 Finance

(24)

Free
ALAT Office
ALAT Office

by Wema Bank Plc

💰 Finance
Free
See developer apps

User experience

🐞

Reported Bugs

4 issues

Login issues after app updates

Bug

Inability to create transaction PIN

Bug

Debit card activation problems

Bug

Funds not reflecting in account

Bug
✨

Requested Features

4 requests

Facial recognition login

Feature

Improved transaction history

Feature

Ability to hide account balance

Feature

Seamless integration with other bank accounts

Feature

FAQ

What is ALAT?

ALAT is Africa's first fully digital bank designed to provide swift, seamless, reliable, convenient, and secure banking services. It offers a wide range of features to manage daily financial needs and achieve financial success.

What are the key features of ALAT?

Key features include travel bookings, deals, discounts, insurance plans, low-interest loans, personal and group savings, bill payments, money transfers (local and international), card management, and instant account notifications.

Is ALAT free to use?

Based on the provided information, the app is available for free. There is no mention of subscription fees or paid features, and it does not appear to have in-app purchases or advertisements.

What kind of accounts can I create on ALAT?

ALAT allows for the seamless creation and management of multiple accounts, including a standard ALAT Account, Domiciliary Account, Royal Kiddies Account (for children), ALAT Xplore (for teens), and Current Account.

How does ALAT ensure the security of my money and data?

ALAT prioritizes the security of funds and data using high-level encryption. Additional security layers include deposit insurance by the Nigeria Deposit Insurance Corporation (NDIC), transaction screening for fraud prevention, and PCIDSS certification.