---
title: "ALAT by Wema: Online Banking, Savings and Loans"
description: "Open and run a Nigerian bank account fully online. Spend, control money, save alone or with friends, and get consumer loans for device buys."
canonical_url: "https://liners.com/alat-by-wema"
markdown_url: "https://liners.com/alat-by-wema.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/alat-by-wema/screenshot.webp?v=1782557801683"
published_at: "2026-06-27T10:56:49.665Z"
updated_at: "2026-09-15T10:06:50.155Z"
---

# ALAT by Wema: Online Banking, Savings and Loans

Open and run a Nigerian bank account fully online. Spend, control money, save alone or with friends, and get consumer loans for device buys.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [ALAT by Wema](/alat-by-wema)

## Summary

Open and manage a bank account fully online

A 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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://online.alat.ng/ |
| Tagline | Open and manage a bank account fully online |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | Yes |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/alat-by-wema/alternatives)
- [Reviews](/alat-by-wema/reviews)
- [Transparency](/alat-by-wema/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/alat-by-wema)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)