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Bank, save, and get instant loans from one app
ALAT by Wema
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksA digital banking platform for individuals in Nigeria to open an account online, spend, save alone or with friends, and access consumer loans via web and mobile apps.
ALAT by Wema Product Overview
Is ALAT by Wema Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Online account opening
What It Does Well
- Open accounts online
- Web and mobile banking
Things to Check
- Loan eligibility rules
- Loan repayment terms
About ALAT by Wema
ALAT by Wema is a fully digital banking platform for individuals in Nigeria who want to open and run a bank account online without visiting a physical branch.
Key capabilities include:
- Digital account opening and day-to-day banking, letting customers operate their account entirely online
- Spending control and online money management, with tools designed for mobile-first banking
- Savings options, including saving individually or saving with friends
- Consumer loans for lifestyle purchases, including loans to buy new devices
Available on Web, Android, and iOS.
It serves consumer banking users in Nigeria who prefer mobile and online channels for saving, borrowing, and managing money.
Notability: launched by Wema Bank (founded in 2017), it is described as Nigeria’s first fully digital bank and is often referenced as an early flagship digital banking offering in the Nigerian market.
ALAT by Wema Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
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Research Mentioning ALAT by Wema
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BankingWe Opened a Naira Account at Every Bank in Nigeria, Here's What We Found
A Liners field study across traditional banks and digital banks in Nigeria, with real BVNs and NINs.
Frequently Asked Questions About ALAT by Wema
To open an ALAT by Wema account, you need a phone number or NIN to get started, your BVN, and a live selfie for the facial and liveness check. Exactly which one comes first varies by sign-up path, but expect all three before you're done.
This lines up with the wider Nigerian market. In Liners' 2026 Naira account opening study, NIN was requested in 96 of 100 walk-in bank visits, and BVN blocked the process from starting entirely at 42 of them. Having both ready before you start speeds up account opening at any bank, not just ALAT.
- Download the ALAT by Wema app, or start on the web app at online.alat.ng.
- Verify your phone number or email with the OTP sent.
- Enter your NIN and BVN when prompted.
- Complete the facial recognition and liveness check.
- Set up your transaction PIN.
- Your account number appears on screen instantly.
ALAT by Wema had zero facial-scan retakes across every open Liners logged, and one researcher finished this entire flow in under four minutes, the fastest logged open in our 2026 field study. A session can occasionally time out partway through; if that happens, simply restart the application.
ALAT by Wema is a fully digital banking platform that lets you open and run a Nigerian bank account entirely online, then spend, save alone or with friends, and access consumer loans via web and mobile apps.
ALAT by Wema operates in Nigeria and is designed primarily for individual consumers in the Nigerian market.
You can sign up by visiting the ALAT by Wema web app at online.alat.ng or by downloading the ALAT mobile app, then following the on-screen steps to open an account and complete digital onboarding.
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