ALAT Sign Up, Login | How to Open Wema Bank ALAT Account

ALAT Sign Up, How to Open Wema Bank ALAT Account, ALAT login, how to open bank account without going to Bank

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ALAT By Wema Bank | in this page, I am going to teach you on how to Open Wema Bank Account Without Going To Bank. – How to Open ALAT for Business Account.

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When you go to bank, you might spend more than 5 hours on the que in the bank and last last you might not later finish what you want to do, maybe because of bad Network in the bank.

Some people went to the bank and spend more than 5hours standing just because they want to open a bank account while they can just sit in their house and open an account with banks.

On this page, I am going to introduce how to open a Wema Bank Account Without Going to the bank. You will be able to open a bank account on your phone and you will be able to use the account to send and receive or use it to do everything you want to use it to do.

Today, I am introducing “ALAT BY WEMA BANK” to you.

Contents

What is ALAT by Wema?

ALAT is Nigeria’s first fully functional digital bank. With ALAT, you can do all your banking transactions without being physically present at a bank.

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.

But with ALAT, you don’t need to Go-to the bank before you can open an account and start doing transaction with your new bank.

Alat by Wema Bank is safe to use and it’s licenced by the Central Bank of Nigeria (C.B.N).

ALAT also provide both Virtual Card and Physical card (Naira Virtual Card and Dollar virtual card).

You can also request a loan on your ALAT Account too.

ALAT is a digital banking App by Wema Bank. (If you have ALAT Account, you have Wema Bank account).

You can do everything bank can do with your ALAT by Wema Bank digital banking.

Some features on the ALAT

This bank was built for you. They are Nigeria’s first fully digital bank, designed to match your lifestyle and help you save more. No ridiculous fees, no excuses, no drama. Just open an account and start using your bank immediately (You are in control of your money) No ridiculous fees, no excuses, no drama.

How to Open ALAT Account (ALAT by Wema Bank)

You can open an ALAT account easily from your phone.

1. Install ALAT from the Apple App Store or the Google Play Store.

2. Open the app and clicking on “Get Started”.

3. Register with your Bank Verification Number (BVN) and a valid phone number.

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4. Submit your valid information and everything.

That’s all! You have successfully open ALAT Account by Wema Bank.

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ALAT Login – ALAT Account Login

To login into your ALAT by Wema Bank account is very simple, just follow the steps below

1. Enter your email address

2. Enter your password

3. Click on “Login“.

That’s all.

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Do you forget your ALAT login password? – Click on forgot password and then follow the instructions given to you on the page to create another password.

ALSO CHECK OUT: How to Create Grey Account (Aboki Africa Account where you can exchange dollar, euro to Naira online).

How to View Your ALAT Account Number

To know your ALAT Account number, just click on your “Profit” and you will see your ALAT Account number (by Wema Bank).

How to borrow Loan on ALAT by Wema Bank

As with everything else on ALAT, you can now apply for a loan without a paper work, no visitation to any physical location and response time between acceptance of offer and loan disbursement is in minutes. You can borrow as much as N4,000,000 (Four million naira) without any collateral.

ALAT type of loan

Below are some of the loan on the ALAT

ALAT Salary-based Loan

Loan against your salary
The customer’s salary does not necessarily have to be domiciled in Wema Bank
It is for employees of companies that have been pre-enlisted by Wema Bank
Maximum loan amount of N4m
Maximum repayment period of 2 years

ALAT Goal-based Loan

A loan against your target savings be it Stash, Fixed or Flexi Goals
You must have at least N100,000 saved to qualify for the loan.
You can access up to 80% of your savings as loans
There is no monthly repayment amount. You pay whenever you want (not longer than 1 year, though) or you pay at the point of cashing out your Goals
Disbursement is automatic. No paperwork. No human involvement

ALAT Device Loan

Available for salaried individual and self-employed individuals
Loan to finance phones, tablets, laptop and home appliances.
Maximum tenor is 6 months
Interest rate of 24% p/a (2% per month)

How to borrow Loan

To borrow loan on the ALAT App, just click on “Loan” on the App and fill in the requirements and the amount you want to borrow.

That’s all.

CHECK ALSO: How to Create StrimPay Account and get their virtual card to shop online

ALAT Fixed Goals

Save money daily, weekly or monthly towards a target for a fixed period and earn up to 4% interest per annum per annum. No withdrawals allowed and you will lose your interest if you do not meet your target amount.

ALAT Flexi Goal

Save daily, weekly or monthly towards a target and earn up to 4% interest per annum per annum. You can withdraw up to 50% of your savings once every 30 days. You will lose your interest if you do not meet your target amount.

ALAT Stash Goal

Put extra cash away whenever you want and earn up to 4% per annum with an option to cashout interest monthly. Your Stash will need to exist for a minimum of 30 days to qualify for interest.

CHECK OUT: How to open OctaFx Trading Account

ALAT by Wema Card

Wherever you are in the world, your ALAT debit card gives you the freedom to pay. And because life is better when you have options, you get to pick from three card designs and ALAT by Wema will deliver yours to you anywhere in Nigeria at no cost.

The real fun begins when your card arrives: you can activate, lock and unlock it from your phone.

ALAT Card Request

Request a debit card to suit your personal style in-app and activate your card without going to a branch.

ALAT Virtual Dollar Card

Escape the hassle of an unfriendly exchange rate when you subscribe to Netflix, iTunes, Spotify, EA Sports games and pay with the ALAT Virtual Dollar card online.

ALAT Card Control

Have complete control of your card via the app; turn your card on and off on POS, ATM and the Web whenever you want using the card control feature.

When out of the country, you can also turn you card on for use abroad using the card control feature.

CHECK ALSO: How to Open Kuda Bank Account on your phone

ALAT by Wema Bank FAQ

Below are frequently asked questions about ALAT by Wema Bank.

ALAT Sign Up – how do I sign up on ALAT by Wema?

You can open an ALAT account easily from your phone. Install ALAT from the Apple App Store or the Google Play Store, open the app and sign up with your Bank Verification Number and a valid phone number.

Central Bank regulations require you to have a BVN to own a fully functional account. We need your BVN to automatically retrieve your personal information so you won’t need to fill a lengthy form when signing up.

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.

ALSO CHECK: How to Open Payoneer Account and get free USD, Euro and GBP Account

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.

That’s all.

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