Comparison

Fidelity Online Banking vs ALAT

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Fidelity Online Banking

Manage your accounts, cards, and transactions securely and easily from your mobile device. Perform transfers, pay bills, top up mobile phones, and access account statements. Features biometric login and branch/ATM locator.

Highlights
  • Secure transaction management
  • Inter-bank transfers
  • Biometric/Fingerprint login
  • Account statement generation
  • Bill payments
  • Mobile top-ups
  • Flight booking
Features
Read full description

Welcome to the banking that suits your lifestyle! The upgraded Fidelity Online Banking App lets you stay in control of your finances. Manage your transactions, accounts and cards securely and easily anywhere. The App allows you perform transactions and manage your bank account(s) from your mobile device. It is secure and very simple to use. Conduct your banking transactions while on the move with Fidelity Online Banking app and enjoy a world of convenient banking anytime, anywhere. Our redesigned app puts all the services you need at your fingertips, enabling you do the following: • Transfer to accounts in any Bank in Nigeria • Transfer to your other accounts in exactly one click, no token required • Biometric/Fingerprint Authentication for easier login • View all your accounts (Current, Savings, Fixed Deposit, Domiciliary and Card accounts) • Personalise your profile, change your picture as desired with lovely selfies • Maintain/Manage beneficiaries for Funds Transfer, Bills Payment and Airtime purchases • Receive In-App messages on new features, quick tips and promotional offers. • Top up your mobile phone or that of your family, friends and other loved ones • Pay your bills, such as DSTV, GoTV, PHCN, mobile post-paid bills, SWIFT, Smile and more. • Perform your Fidelity Credit Card repayments • Generate account statement • Search, book and pay for international and local flights • More self-services • Locate nearest Bank branches or ATM service points HOW TO USE THE FIDELITY ONLINE BANKING APP • Install the Fidelity Online Banking app • Open the App and sign in with existing credentials NEW? HOW TO REGISTER If you’re 16 or above and you have your mobile number registered for our SMS alert services as well as any of our Debit Cards, click on “Sign Up Here”, and follow the onscreen instructions. A verification code will be sent to the mobile phone you have registered for your account number with us. If you’ve got a verification, follow the onscreen steps to register. You will be required to use your Fidelity Debit Card OR visit the nearest Bank branch to activate your Online banking profile. Once done, you can start using your Online Banking account immediately. To do much more, download the Fidelity Soft Token app on your phone and sign in with your Online banking credentials. FOR BUSINESS ACCOUNTS You can only use the app if you’re a sole-signatory account holder. You can’t register with your credit cards. FIDELITY INSTANT BANKING Fidelity also has an Instant Banking Service (*770#) which you can dial from any mobile phone linked to your account for SMS alert. The service doesn’t require internet connection. Copyright © Fidelity Bank Plc. 2017. All rights reserved. Fidelity Online Banking is a trademark of Fidelity Bank Plc. INFORMATION AND CUSTOMER SERVICE For more information, please call our True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng

About

ALAT

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.

Highlights
  • 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
Features
Read full description

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

Screenshots

Fidelity Online Banking4 screens
ALAT4 screens

Verdict

The call

The clearest difference is update cadence: Fidelity Online Banking at every 3 weeks against ALAT's every 6 weeks. On price, rating, review sentiment and ratings volume there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 3.7 for Fidelity Online Banking against 3.8 for ALAT. Both are backed by a comparable volume of ratings — 2K and 3.3K respectively. Written reviews split almost evenly too, at 28% and 28% positive.

UpkeepUpdate frequency

Fidelity Online Banking ships an update every 3 weeks, ALAT every 6 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

Scorecard1 real difference · 9 level
Fidelity Online Banking versus ALAT: the parameters behind the verdict, then further details
ParameterFidelity Online BankingALAT
PriceFreeFree
Rating3.7 (2K ratings)3.8 (3.3K ratings) — better
Positive reviews28.3% of reviews — better27.8% of reviews
Number of ratings2K3.3K — better
Update frequencyEvery 3 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size87 MB232 MB
Age rating4+4+
DeveloperFidelity Bank PlcWema Bank Plc

Customer experience

Fidelity Online Banking

All ratings1,966 ratings
Positive64.5%
Neutral9.2%
Negative26.3%
Written reviews180 reviews
Positive28.3%
Neutral4.4%
Negative67.2%

ALAT

All ratings2,375 ratings
Positive58.1%
Neutral10.1%
Negative31.9%
Written reviews263 reviews
Positive27.8%
Neutral7.6%
Negative64.6%

User reviews

Fidelity Online Banking

From 2K App Store ratings

What we love

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

Room to improve

  • 🐛 Frequent crashes and bugs
  • ⚠️ Unreliable network connectivity
  • 🕰️ Slow performance and response times
  • 🤯 Frustrating user experience
  • 💸 Deducts money without proper transactions

ALAT

From 3.3K App Store ratings

What we love

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

Room to improve

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

Bugs and requests

Fidelity Online Banking

Reported bugs

5 issues
  • Unable to select source account for transfers
  • OTP not received for registration and login
  • App freezes after login
  • Incorrect transaction receipts generated
  • Loyalty points not updating properly

Requested features

5 requests
  • Dark mode option
  • Facial recognition login
  • Improved transaction history and statements
  • Seamless integration with other payment platforms
  • Enhanced customer support and communication

ALAT

Reported bugs

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

Requested features

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

In-app purchases

None

Fidelity Online Banking

No in-app purchases

None

ALAT

No in-app purchases

Questions

Is Fidelity Online Banking free?
Fidelity Online Banking is free to download, with no in-app purchases.
Is ALAT free?
ALAT is free to download, with no in-app purchases.
Which has better reviews, Fidelity Online Banking or ALAT?
ALAT is rated higher. Fidelity Online Banking averages 3.7 out of 5 from 2K ratings, while ALAT averages 3.8 from 3.3K ratings.
Do Fidelity Online Banking or ALAT have ads?
Neither Fidelity Online Banking nor ALAT shows ads.
Which is updated more often, Fidelity Online Banking or ALAT?
Fidelity Online Banking ships an update every 3 weeks, and ALAT every 6 weeks. Most recently, Fidelity Online Banking was updated on November 1, 2026 and ALAT on November 2, 2026.

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