# ALAT vs Stipend

The clearest difference is review sentiment: ALAT at 28% against Stipend's 0%. ALAT also leads on update cadence (every 6 weeks vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

ALAT ships an update every 6 weeks, Stipend every 4 months. The most recent releases landed on October 24, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | ALAT | Stipend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (2.4K ratings)](https://appshunter.io/ios/app/alat/id1222853161/reviews)** | — |
| Number of ratings | **2.4K** | — |
| Positive reviews | **27.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 233 MB | 88 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Wema Bank Plc](https://appshunter.io/developer/980671301) | [STIPEND INTEGRATED SOLUTIONS LIMITED](https://appshunter.io/developer/1840368226) |

## What reviewers say

### ALAT

[App page](https://appshunter.io/ios/app/alat/id1222853161)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Stipend

[App page](https://appshunter.io/ios/app/stipend/id6752647125)

Manage all your everyday financial needs in one super app. Make payments, shop internationally with a virtual card, and access flexible financing options for purchases. It offers a secure and convenient way to handle bills, online shopping, and buy now, pay later services.

**Highlights:** Virtual dollar card for international payments, Fast and easy bill payments, E-commerce marketplace for shopping, Buy Now, Pay Later financing options, Secure authentication and encrypted transactions, 24/7 customer support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ALAT free?

ALAT is free to download, with no in-app purchases.

### Is Stipend free?

Stipend is free to download, with no in-app purchases.

### Do ALAT or Stipend have ads?

Neither ALAT nor Stipend shows ads.

### Which is updated more often, ALAT or Stipend?

ALAT ships an update every 6 weeks, and Stipend every 4 months. Most recently, ALAT was updated on October 24, 2026 and Stipend on October 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*