In the history of Nigeria Banking, not a single Digital Bank has ever been created from the start. Banks only provide a Mobile Banking application, which tends to make transactions faster. But the fact is Mobile Banking is different from Digital Banking.

Mobile banking requires you to go to your bank to get your ATM card and also get it activated, while your Virtual Card is being shipped to your doorstep and are activated by you and you alone in which your pin can be set and controlled in Digital Banking. A very good example of Digital Banking is Payoneer.

How will you feel when I inform you now that we have the FIRST of its kind in Nigeria. I’ll like to introduce to you, the first Digital Bank in Nigeria, which is ALAT by Wema Bank.

ALAT is a digital banking service powered by Wema Bank Nigeria, it is 100% digital which allows you to do all your banking transactions without being physically present at a bank. Alat digital bank allows you to open a free, fully functional savings account using just your BVN and phone number in exactly 5mins. No paperwork is required!

At its core, ALAT by Wema bank is selling simplicity, reliability, and convenience.

ALAT digital banking help you put money away easily by automating your saving. Make sure your bills are paid on time with its scheduled payment feature.

In general, it is delivering a free debit card (ALAT ATM Card) to your doorstep. You can activate, lock and unlock from your phone to use anywhere in Nigeria.

You can get paid when you refer a friend to open and fund an account too. All from the comfort of your smartphone.

wema bank referral program

This is the kind of innovation we’ve been expecting since. Enough of going to banks and staying in the queue to get your ATM Card or making transactions. ALAT Is here for us. And thanks to the Wema bank for being the pioneer of this innovation in Nigeria.

The question asked most by people is: Can we trust ALAT?

Sometimes I once asked myself the same question, but I never got an answer for myself. So, I had to do the needful. ALAT is confirmed to be owned by WEMA Bank Plc, which is a financial institution in Nigeria, a bank to be precise. And after so much research, WEMA Bank claimed to be the owner of ALAT, not just ALAT claiming to be owned by WEMA, But WEMA Bank Nigeria Plc claimed its ownership.

This is becoming so interesting. After the tour of my research, I found ALAT to be legit and trustworthy.

Also, it has a very responsive and caring customer care service, they are ready to listen to your complaints and also ready to get them solved as soon as possible. So why not try ALAT?

How To Register

1. Firstly, you have to download the ALAT app by Wema. The app is available only on Android and iOS devices.

Developer: ALAT By WEMA
Price: Free
Developer: Wema Bank Plc
Price: Free

2. After getting the ALAT application, then you need to sign up and fill in your details.

3. You need your Bank Verification Number (BVN) to open the ALAT bank account with your phone number.

4. Then move on by clicking next, where your full name would be uploaded already and you’ll be told to fill in your Date Of birth and also A REFERRAL CODE. Copy this C9XCEA and paste it into the referral section.

alat referral

5. You will have to upload your documents and that involves your ID card, written of your signature on white paper with a pen, taking a picture of yourself, and uploading them.

6. Fund your account with as low as 500 Naira (through a bank transfer or by clicking on “fund account”) for your account to be activated and functioning and that’s it, you now have a fully functioning bank account that can send money, receive money, save money, buy airtime, buy data, you can withdraw your money via ATM Machine using your ALAT debit card.

alat by wema

7. Refer anyone to open an ALAT Wema bank account with your own referral code which you’ll find when you click on “refer a friend” and you will earn up to 1000 Naira on each person.

More also, for the first 10 people you referred, you will earn 5k and then will be given a bonus of 5k making it 10k.

Remember to fill your detail with referral code: C9XCEA

alat login issue

In your first login, if you have issues, simply click on “Forgot your Password?” and reset your password to the initial one through the Password Reset Notification sent to email and after that, your account will work fine.

More so, go to the profile section and fill in your details, ensuring that all the ticks are green so that your account does not become restricted. Check this section regularly to ensure they’re all perfect.

You can also sign up via this URL with any browser: But, to get your referral code, you must use the Alat app via Android or iOS device.

Open a bank account in less than 10 minutes and get your Virtual Card shipped to your doorstep within two business days. I hope you find this very interesting and easy?

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I'm Funsho, a certified tech expert with over a decade of experience. Serving as a Blogger, Copywriter on Fiverr and Upwork, Web Designer, Crypto Expert, Digital Marketer, and Publisher on Amazon Kindle. I'm passionate about sharing unique insights and ideas on technology and trends.Need help with any of these areas? DM me, and let's collaborate to achieve your goals with cutting-edge expertise.


  • Anonymous, August 27, 2017 @ 12:47 am Reply

    Add me to the whatsapp group 08130265370

  • Tunde, August 27, 2017 @ 10:24 am Reply

    Thanks for this money making tips.

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  • Anonymous, August 27, 2017 @ 4:15 pm Reply

    Pls I was unable to upload my pic and I didn't see the referral button , tanx a lot

  • Stellar Matthew Kobe, August 27, 2017 @ 8:58 pm Reply

    Wema Bank ALAT is Real I love it, thanks for this post.

  • Anonymous, August 27, 2017 @ 10:54 pm Reply

    How can I get the ATM card??

  • Unknown, August 28, 2017 @ 9:59 am Reply

    Shelaf the boss, still on top… Nice post by the way

  • Unknown, August 28, 2017 @ 2:17 pm Reply

    Pls add me to ur WhatsApp group

  • sas24, August 28, 2017 @ 2:35 pm Reply

    Pls Oga shelaf I have order the card and fund my account but I didn't see d place to refer a friend tanx

  • Shelaf, August 28, 2017 @ 9:30 pm Reply

    It seems you are using the web version, try download the app and login via the app on your mobile phone to copy out your referral code.

  • Shelaf, August 28, 2017 @ 9:55 pm Reply

    Sure, you can get it with a fee of ₦0.00
    Simply login to your ALAT acct, select Cards from the Menu, select card design you prefer, click on continue, enter the address you like your card to be delivered, click continue, then enter the OTA number sent to your mobile number, click continue and you are done.
    Relax and be expecting your Master card, it will be shipped to your doorstep in two business days.

  • Shelaf, August 28, 2017 @ 10:02 pm Reply

    Not compulsory for you to upload your pic, the picture taken during the BVN registration will be automatically matched with your ALAT account.

  • Shelaf, August 28, 2017 @ 10:07 pm Reply

    You are welcome and thank you for dropping by!

  • Shelaf, August 28, 2017 @ 10:17 pm Reply

    Glad you liked it, Stellar. Thank you too for taking the time to comment.

  • Shelaf, August 28, 2017 @ 10:21 pm Reply

    Saidu, I really appreciate your support. Thank you for commenting.

  • Chidowski, August 29, 2017 @ 12:05 am Reply

    Pls admin does it require your already opened account or a new one by wema bank?

  • Anonymous, August 29, 2017 @ 8:51 am Reply

    thanks oga shelaf… add me to ur whatsapp group

  • Anonymous, August 30, 2017 @ 4:48 pm Reply

    Can't find my referral code

  • Anonymous, August 30, 2017 @ 8:30 pm Reply

    Thanks for the information. Is it until I refer the 10 people complete that I would be credited?

  • Anonymous, September 1, 2017 @ 5:27 pm Reply

    mr shelaf, am having duifficulty generating my account pls

  • Waxloaded_Admin, September 2, 2017 @ 12:18 am Reply

    yomr shelaf for this post am now enjoying my 30k from Wema

    From Latest Free browsing blog

  • Unknown, September 15, 2017 @ 2:37 pm Reply

    U need N500 minimum balance to operate an Alat account. Gtbank is better with Zero Naira minimum balance

  • Anastasia, September 16, 2017 @ 8:22 pm Reply

    Enter your comment…I have been trying to log in to my account but its not working. what do you think is wrong?

  • ruksee, September 26, 2017 @ 12:50 am Reply

    Pls , what's the maximum i can refer and get paid for?

  • Anonymous, October 3, 2017 @ 3:58 pm Reply

    There is a calender date counting at the edge of my referrer link, will my bonus expire If I'm able to refer people before then

  • Wema Bank Alat, October 11, 2017 @ 6:11 pm Reply

    Nice and well written information on alat by wema bank.

  • Anonymous, October 18, 2017 @ 4:00 pm Reply

    oh realyy

  • Christlike, October 21, 2017 @ 10:31 pm Reply

    While I like the innovations in ALAT, such as card delvery, online opening of account and the goal saving scheme, I beg to disagree that it is completely digital bcs it has no room for someone with no previous bank account since it requires BVN which can only be gotten in a conventional bank. It therefore means that before I can open an ALAT account I need to open a conventional account.
    If I don't have other accounts from which to transfer into ALAT, how do I fund ALAT if I stay in a place where there is no WEMA bank?
    I also need to know the transactions that I can do with ALAT that I can't do with other banks mobile banking system.
    Finally, is there any charge attached to ALAT?

  • Unknown, October 23, 2017 @ 4:22 pm Reply

    please can I join your whatsapp group chat Mr Shelaf, here is my number; 07033747616,thanks.

  • Unknown, November 13, 2017 @ 2:49 am Reply

    Pls add me to the whatsapp gp 08026284301

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    Pls add me on WhatsApp for a chat regarding alarm . 08161726991

  • Unknown, November 14, 2017 @ 12:28 pm Reply

    Do you get paid only for the first 10 people?

  • Shelaf, November 14, 2017 @ 1:28 pm Reply

    Oh no! You get paid for all your referrals, but the referral need to activate his/her account with as low as 500 Naira before you receive your bonus.

  • Nonye, November 22, 2017 @ 12:46 am Reply

    Thanks for this money making tips.

    Free browsing blog @

  • Unknown, November 28, 2017 @ 6:35 am Reply

    Pls add me to the watzapp group 09034241074

  • Anonymous, November 29, 2017 @ 12:22 pm Reply

    pls sir. Add me to the WhatsApp group 08097172312

  • Anonymous, December 4, 2017 @ 7:13 pm Reply

    do I have to pay 500 first?

  • Shelaf, December 4, 2017 @ 8:49 pm Reply

    Yes, you need to do so for your account to be activated and functioning.

  • Goodluck, December 7, 2017 @ 8:16 pm Reply

    Thank a lot for this Mr Funsho. I have gotten my card. Its really beautiful. I will let others know about this via This Platform

  • Unknown, December 8, 2017 @ 8:39 am Reply

    How can I withdraw my referrer balance ie my earn reward

  • Unknown, December 8, 2017 @ 8:42 am Reply

    How can I withdraw my earn reward to my real balance on ALAT

  • Unknown, January 2, 2018 @ 11:28 am Reply

    Can I still register

  • Unknown, January 2, 2018 @ 12:53 pm Reply

    I have registered, what next, I used the referral code

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  • Business Insights, March 25, 2018 @ 11:10 pm Reply

    Didn't you read the instructions?

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  • Oy Dave, May 20, 2018 @ 11:05 am Reply

    Can i use a student id card

  • Eking, May 21, 2018 @ 2:20 pm Reply

    At first didn't believe cos we are in Nigeria and am a blogger but gave it a trial by referring my two siblings and holla I got 3k. Thanks @shelaf

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