# ALAT — Digital Bank, Bills, Airtime

> Africa's first fully digital bank for seamless, secure, and convenient financial management. (iPhone/iPad app by Wema Bank Plc.)

- Source: https://appshunter.io/ios/app/alat/id1222853161 (this page in markdown: same URL + `.md`)
- Developer: [Wema Bank Plc](https://appshunter.io/developer/980671301)
- Category: Finance
- Price: Free
- Rating: 3.50/5 from 2,342 App Store ratings · 256 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 233 MB
- Languages: American English, Japanese
- Released: 2017-04-21
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/alat/id1222853161/reviews.md

## What is ALAT?

Welcome to ALAT, Africa’s first fully digital bank and home to millions of Nigerians who trust ALAT for swift, seamless, reliable, convenient and secure banking tailored to their daily needs, designed for their financial success and fortified to ensure financial security.



Here what can do on ALAT: 
- Enjoy Travel Bookings, Deals, Discounts & Rewards, affordable Insurance plans, low-interest loans, personal and group savings options, affordable healthcare & more. 
- Effortlessly log in using Touch ID, Face ID, or unique password. 
- Take control of your finances by scheduling bills and monitoring pending payments, checking balances, tracking your expenses, gaining insight into your spending habits and more! 
- Set up Direct Debits and Standing Orders without stress. 
- Seamlessly transfer money and make payments locally & internationally. 
- Receive money both in Naira and foreign currency from any part of the world. 
- Stay informed and up to date on all account activity with instant notifications. 
- Set up your PIN or reset PIN whenever needed. 
- Request a new card, report lost or stolen cards, freeze cards, and order replacements with ease. 
- Quickly locate and review transactions and account statements. 
- Keep your contact details updated without stress; and more! 





OUR JOURNEY 

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 diverse aspects of need. 



EXPLORE: 

1. Deals & Discounts from your favourite top brands; enjoy much more for less! 

2. Seamless creation and management of multiple accounts including your ALAT Account, Domiciliary Account, Royal Kiddies Account (for children ages 0-12), ALAT Xplore (Teens 13-17), Current Account & Domiciliary Account(s). 


3. Easy low-interest loans tailored to your needs. 
Terms & conditions apply. 


4. Flexible electricity, cable & other bill payments and never miss a due date! 


5. Personal and Group Savings on ALAT Goals. Saving alone or with others has never been easier! 

6. Virtual & physical debit, credit, utility & other cards with convenience and security, online or in-store. 

7. Local & international flights via “Travels”, and affordable insurance plans via “Insurance”! 

8. Customised Customer Support. 





Protection 
The security of your funds and data are top priority so we use the high-level encryption to protect your personal and financial information. 

Here are some extra layers of security we apply: 

1. Insuring your money 
Every Deposit made on ALAT is insured by the Nigeria Deposit Insurance Corporation (NDIC). 

2. Transaction Screening 
We use our proprietary systems and international databases to detect and prevent sanction violations, money laundering and fraud in transactions. 

3. Security Certifications 
WEMABANK is certified by PCIDSS to ensure the security of users' card-related transactions against data theft and fraud. We have also received formal recognition from the National Information Technology Development Agency (NITDA) for our compliance with the Nigeria Data Protection Regulation (NDPR) data protection and privacy laws. 

4. Fraud Protection 
In addition to our automated systems, ALAT’s Compliance, Transaction Monitoring, Issue Resolution, and Fraud Prevention Teams, work full-time to intercept suspicious transactions, freeze suspected fraudsters’ accounts, carry out further investigations and follow up with reports. 




CONTACT US! 

We are always excited to hear from you. For feedback, questions, or concerns, reach us via: 
1. Helpline: 07000PURPLE (07000787753) 
2. Email: purpleconnect@wemabank.com 
3. Website: https://wemabank.com/ 



To stay informed and never miss an update, follow us on Facebook, Twitter & Instagram: @wemabank & @alat_ng; TikTok: @wemabank

## Key features

- 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

## What do users think of ALAT?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🐛 Frequent app crashes
- 🔍 Poor customer service
- 💰 High transaction fees
- ⚠️ Unreliable app performance

**Commonly reported bugs**

- Login issues after app updates
- Inability to create transaction PIN
- Debit card activation problems
- Funds not reflecting in account

**Most requested features**

- Facial recognition login
- Improved transaction history
- Ability to hide account balance
- Seamless integration with other bank accounts

## Recent user reviews (10 of 256)

All indexed reviews: https://appshunter.io/ios/app/alat/id1222853161/reviews.md

### 3/5 — Complain

*2026-08-19, version 5.0.7*

I can’t see all the transaction I have made in some years back in this new app unlike the one we are using before I updated this one, the formal one use to show all the transaction in the history. Can you pls do something to this

### 2/5 — Terrible UI

*2026-08-17, version 5.0.7*

Every single time I have issues using my facial verification to switch my phone🤦🏽, it has been happening for years please fix it

### 1/5 — Debit restriction

*2026-08-05, version 5.0.7*

I added money in my account and it got suspended I've uploaded everything they asked but still it says my account is been linked to another Alat but this is my first time opening this bank

### 5/5 — My opinion

*2026-07-30, version 5.0.7*

This is quite a nice app. Makes banking easier

### 4/5 — Best traditional bank in Nigeria

*2026-07-29, version 5.0.7*

I enjoy using Wema bank since 2019 most especially as I can do everything with my phone without thinking of going to the bank even if there is issues I can fix it with my phone 
But you people should try debiting stamp duty multiple times in a month and also unnecessary transfer fee 
Thank you

### 5/5 — Love the App, Please Add NGX Stocks

*2026-07-19, version 5.0.6*

The new Alat app is sleek and offers a beautiful experience. However, it only allows purchases of U.S. stocks. Please add NGX stocks or enable both markets together for a more complete investment option.

### 5/5 — Aramide

*2026-07-12, version 5.0.6*

I love it

### 1/5 — The new update is rubbish

*2026-07-03, version 5.0.6*

The app didnt give any pior notice for an update, i almost got stranded yesterday, even after the update, the app didn't still allow me to login till now, meaning i'll have to go to bank to reslove it, for me who's always busy at work , how would i get the time. I don't think the heads of this very nonsense bank have anyone advising them sha because i am going to close my account with them and i'll make sure my friends and everyone i know do them same too

### 1/5 — Charges

*2026-06-12, version 5.0.6*

Omo I sent 1500 first from my sporty I con send another 500 omo your app comot 1100 as charges ni oo leave me with 900 i can’t even do data wey I wan use ham do damn it really hurts a lot

### 5/5 — Mr cesar

*2026-06-12, version 5.0.6*

Best banking experience ever

## Frequently asked questions about ALAT

### 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.

## Version history (last 5 releases)

### 5.0.7 — 2026-07-29

• Plan and manage trips with Trips.
• Set up Auto Top-Up for seamless funding.
• Generate Letters of Reference & Non-Indebtedness.
• Share feedback directly in the app.
• Access YouthCred loans (eligible customers).
• Enhanced ALAT Deals & Report an Error.
• Improved Quick Loan process and loan notifications.
 
Update your ALAT app today to enjoy these exciting new features and enhancements.

### 5.0.6 — 2026-06-11

What's New in ALAT 5.0.6
• Open and activate a Current Account digitally.
• Upgrade eligible accounts to Domiciliary Accounts.
• Send secure International Transfers with ease.
• Fund accounts instantly using International Cards.
• Access Gaming Loans for eligible Premier Lotto agents.
• Save towards your goals with World Cup Savings.
• Create and fund Royal Kiddies & Teen Accounts.
• Enhanced security with manual facial verification override support.
 
Update your ALAT app today to enjoy these exciting new features and enhancements.

### 5.0.5 — 2026-05-13

What’s New on ALAT 5.0.5
FGN Bonds
Customers can now browse, purchase, and manage Nigerian government and corporate bonds directly within the app.
Euro Bond Investment
Eligible customers can now access and invest in dollar-denominated Eurobonds seamlessly on ALAT.
Travel eSIM
Stay connected while travelling by purchasing and activating international data eSIMs directly from the app.
NYSC Loan
Serving corps members can now access quick and convenient loans tailored specifically for their needs.
Revamped Onboarding Experience
Enjoy a faster and simpler account opening process, now with an instant free virtual card available immediately after signup.
Automatic TIN Retrieval
Your Tax Identification Number (TIN) can now be automatically fetched during onboarding for a smoother setup experience.
 Update your ALAT app to enjoy these exciting new features and improvements.

### 5.0.4 — 2026-04-14

• Bulk Transfer: Send money to up to 10 beneficiaries in a single transaction, helping you save time on multiple payments like allowances, group contributions, or business disbursements.
• International Airtime & Data: Stay connected across borders. You can now purchase airtime and data for international numbers directly on ALAT, without stress or third‑party apps.
• Report an Error: Resolve transaction issues with ease. The new Report an Error feature allows you to quickly flag failed or disputed transactions and follow up on resolution seamlessly.
• Lagos State Collections: Make payments for Lagos State services directly on ALAT, ensuring a smooth, secure, and convenient government payment experience.
• Gaming Wallet Funding: Power up your playtime by funding supported gaming wallets instantly and securely from your ALAT account.

### 5.0.3 — 2026-03-05

• NQR Payment: Pay merchants instantly by scanning their NQR code directly within the ALAT app, powered by NIBSS.
• Quick Loan: Eligible pre-qualified users can apply for and receive instant loans in minutes.
• ALAT Deals: Discover exclusive offers and discounts from leading brands in our in-app marketplace.
• Flight Booking: Search, book and pay for domestic and international flights seamlessly.
• PAPSS Transfers: Send and receive cross border payments through the Pan African Payment and Settlement System.
• Domiciliary Account Opening: Open a USD, GBP or EUR domiciliary account digitally from your phone.
• ALAT Authenticator: Approve transactions and logins securely within the app without relying on SMS OTP.
• Credit Card Request: Request your ALAT credit card directly through the app.
• Royal Kiddies: You can now view the account, fund it easily, and check transaction history anytime.
• Xplore Account Management: Now enjoy full control — view and fund your account, set spending limits, manage your card, and track transactions all in one place.


Update your ALAT app today to experience everything new.

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## More apps by Wema Bank Plc

- [ALAT FOR BUSINESS](https://appshunter.io/ios/app/alat-for-business/id1445132693)
- [BankPass](https://appshunter.io/ios/app/bankpass/id1458110639)
- [We-Learn](https://appshunter.io/ios/app/we-learn/id1460121641)
- [WEMA Bank MobilePASS+](https://appshunter.io/ios/app/wema-bank-mobilepass-plus/id1582348672)
- [ALAT Office](https://appshunter.io/ios/app/alat-office/id1593236478)

All apps by Wema Bank Plc: https://appshunter.io/developer/980671301

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*