ALAT is built from scratch to be entirely digital, making all banking services available to you anywhere you can access the internet. In comparison, a banking app-only offers some banking services (typically airtime purchases, bill payments and transfers). With a banking app, you usually still need to go to a physical bank to get a debit card and activate it, submit documents and often, get some kinds of customer support.

You can pay with your virtual card on all websites and apps that accept dollar cards. You cannot use your virtual card on ATMs, POS terminals and websites that require 3D Secure authentication.

The Goals feature helps you set and meet a savings target based on a saving schedule you set. Schedules can be daily, weekly or monthly.

To change your password, click Settings then click Change My Password.

If you do not pay off your loan on the due date, you will be charged a late fee and our lending partners may initiate a process to recover the loan. If you skip repayment entirely, you may be blacklisted and it could be very hard for you to get a loan in the future.

Absolutely. You can pay off your loan on the ALAT app on or before the repayment date.

Yes, you can use any Nigerian bank card for repayment.

No, you cannot. To request a loan, you must upgrade your account by uploading a photo of your government-issued identity card (international passport, driver’s license, national ID card or voter card) and a photo of a utility bill (not older than three months) with an address matching the contact address on your ALAT profile.

The interest rate on a loan is determined by our lending partners and is stated clearly when you are offered the loan.

To determine if you’re eligible to borrow money, our lending partners will run a quick credit check when you make a loan request.

To send money from UBA to your ALAT By WEMA account, use the following steps;

1. Open your UBA App & Sign-in
2. Click the send money menu in the App
3. Select Account
4. Select transfer mode by choosing Other banks
5. Select WEMA Bank and input your ALAT Account Number.
6. Specify the amount you want to send
7. Then follow the other prompt from the App.

To send money from Zenith to your ALAT By WEMA account, use the following steps;

1. Open your Zenith App & Sign-in
2. Click the transfer menu in the App
3. Select transfer to other bank's account
4. Choose the source account
5. Under select bank, Select WEMA Bank and input your ALAT Account Number.
6. Confirm the account name
7. Specify the amount you want to send
8. Then click next and follow the other prompt from the App to complete the transaction.

To send money from GTbank to your ALAT By WEMA account, use the following steps;

1. Open your GTBank App & Sign-in
2. Click the transfer menu in the App
3. Select New Beneficiary
4. Choose the account to debit, specify the amount
5. Under account to credit, type your ALAT account number
6. Click select bank
7. Under select bank, Select WEMA Bank
8. Confirm that the beneficiary's name is correct.
9. Click Yes to save the beneficiary
10. Then click continue and follow the other prompt from the App to complete the transaction.

1. Click Goals
2. Then click Create a New Goal.
3. Name your goal.
4. Pick the goal type (Fixed goal, Flexi goal, Dollar Goal, Stash, Investment, Spend & save or Lock up).
5. Set the amount of money you want to save.
6. Set the target date for achieving the goal.
7. Set the date to begin saving.
8. Pick your saving frequency (daily, weekly or monthly).
9. Pick the account money will be saved from.
10. Click Create Goal.