ALAT by Wema
ALAT by Wema: A Nigeria-focused banking app that combines everyday payments with savings and investments. Ranked #32 of 55 in Neobank Apps by our editors (5.9/10); pricing: Free plan; best for nigerian users wanting digital banking and bill pay.
At a glance
- Editor score5.9 / 10
- PricingFree plan
- Best forNigerian users wanting digital banking and bill pay
- Free planYes
- Paid fromFree
- Account scopeBoth
- Facts checked14 Nov 2026
Where it wins
- Open an account digitally and send money to Nigerian banks.
- Manage virtual and physical cards, including freezing or spending limits.
- Combine scheduled bills, savings goals, investments and international transfers.
Where it doesn't
- Account transaction fees may apply despite free sign-up.
- The app is available on iOS and Android, not desktop platforms.
- The business offering is separate from the personal banking app.
Our verdict on ALAT by Wema
ALAT by Wema is a digital banking app powered by Wema Bank for customers in Nigeria. It suits people who want to open an account digitally and manage everyday banking from a phone, with local transfers, bill payments, cards and savings tools in one app. The app is available on iOS and Android, and Wema also offers a separate business product for business banking needs.
The app’s feature set extends beyond basic payments. Users can make scheduled payments, set personal or group savings goals, track spending and view transaction statements. Virtual and physical cards include controls to freeze a card or limit spending, while voice banking supports transactions and inquiries. Investment options include Treasury bills and stocks, and the app also supports international transfers and foreign-currency receipts. This makes ALAT a fit for customers who want banking, saving and investment features together rather than a narrow bill-pay app.
Wema says ALAT is free to sign up for, but account transaction fees may apply, so free sign-up should not be read as fee-free banking. Support is available by phone and email, and the listed compliance standard is PCI DSS. Choose ALAT if you are in Nigeria and value mobile access to transfers, card controls, savings goals and additional financial features. It may be less suitable if you need desktop banking, want a single app for business and personal finances, or need clear published pricing before opening an account.
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ALAT by Wema pricing
ALAT by Wema fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Account scope | Both |
| Early pay access | Not verified |
| Cash deposit support | Not verified |
| International transfers | Yes |
| Savings yield | Not verified |
| Supported currencies | Not verified |
| Deployment | Mobile, Cloud |
| Platforms | iOS, Android |
| Compliance & security | PCI DSS |
| Support | Phone, Email |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan |
| Website | alat.ng |
| Facts checked | 14 Nov 2026 |
Alternatives to ALAT by Wema
- Starling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
- bunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
- MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1
See all ALAT by Wema alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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