Comparison

M36 vs ALAT Office

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

Head to head
About

M36

Manage your wealth and investments with personalized online products and services. Access loans, travel allowances, and estate planning. Offers a 24/7 digital concierge and investment advisors.

Highlights
  • Personalized investment products
  • Digital concierge service 24/7
  • Investment advisors
  • Loans and asset-backed financing
  • Estate planning services
  • Wealth management by invitation
Features
Read full description

As our world becomes more digitally-connected, there's an increasing need for an innovative, dynamic, and on-demand solution to wealth management needs. M36 by Union Bank is poised to meet this need by delivering personalised online investment products and services. Our suite of tailored investment and lifestyle products and services has been carefully curated to help bring our users closer to their financial goals, M36 . Investments: Whether you're a first time investor, a seasoned professional, or you just want to track your investments more easily, we've got you covered with our simplified, user-friendly app. With our different returns percentages, from Eurobonds to Treasury Bills, we have created a very competitive and responsive platform that allows you to easily choose how you would like to invest, based on each your personalized risk profile. Introducing the Digital Concierge Our digital concierge service is available 24/7 to answer any questions you may have and help with all your investment needs, from building and growing your investment portfolio, to funding your wallet, and so much more. Investment Advisors: Our investment advisors are available to make the most of your investments and actively manage your portfolio if required. Life Essentials: From cash and asset backed loans to personal travel allowance to setting up a will, we’ve created a bouquet of solutions to help you live your best life without compromising your wealth goals. Wealth Management: Enjoy exclusive products and services with our wealth management service. We offer a bespoke service with investment advisors available to manage your investments. Our wealth management proposition is strictly by invitation. Contact our Concierge for more information.  NO deposit fees. NO monthly fees. Bank-level security. Welcome to M36 – the Freedom to Choose!

About

ALAT Office

Features
Read full description

ALAT Office is a fast and efficient tool for Affiliate Marketers and relationship managers to open new ALAT Accounts for customers and earn in five minutes. Be your own boss and earn by opening a borderless ALAT account for your friends, family and people in your network!!! The app is easy to use, with an interface and prompts that guide new users through the client onboarding process. On ALAT Office, you can; ● Create new customer profiles ● Confirm the status of the accounts you’ve opened ● Open an ALAT Wallet for your customers ● Upgrade your customer's account to a tier 3 accounts ● View all your existing customers If you need help, you can reach out to our helpdesk through the app or send an email to help@alat.ng So what are you waiting for? Start Onboarding on the ALAT Office app in two steps 1. Download the app 2. Log in as a Relationship Manager or Create a new account as an Affiliate Marketer. For more information about the ALAT office app kindly visit www.alat.ng Download ALAT Office now.

Screenshots

M364 screens
ALAT Office4 screens

Verdict

The call

The clearest difference is update cadence: M36 at every 5 weeks against ALAT Office's every 10 months. ALAT Office's advantage is iOS requirement (10.2 vs 16.3). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

M36 ships an update every 5 weeks, ALAT Office every 10 months. The most recent releases landed on October 12, 2026 and October 11, 2026 respectively.

Scorecard2 real differences · 8 level
M36 versus ALAT Office: the parameters behind the verdict, then further details
ParameterM36ALAT Office
PriceFreeFree
Rating4.0 (7 ratings) — better—
Positive reviews60.0% of reviews—
Number of ratings7 — better—
Update frequencyEvery 5 weeks — betterEvery 10 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.310.2 — better
Further details — not scored
Size210 MB91 MB
Age rating17+4+
DeveloperUnion Bank of Nigeria PlcWema Bank Plc

In-app purchases

None

M36

No in-app purchases

None

ALAT Office

No in-app purchases

Questions

Is M36 free?
M36 is free to download, with no in-app purchases.
Is ALAT Office free?
ALAT Office is free to download, with no in-app purchases.
Do M36 or ALAT Office have ads?
Neither M36 nor ALAT Office shows ads.
Which is updated more often, M36 or ALAT Office?
M36 ships an update every 5 weeks, and ALAT Office every 10 months. Most recently, M36 was updated on October 12, 2026 and ALAT Office on October 11, 2026.

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