ALAT by Wema review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ALAT by Wema is a Nigerian debit card for people who spend in naira but travel or buy abroad, pairing multi-currency balances with a virtual card option. Free ATM withdrawals come to NGN 150,000, well clear of the £0 and $0 listed by Starling Personal Account Debit Card and Upgrade OneCard™.
Key facts
- Best for
- Naira spending with a generous free ATM allowance plus multi-currency and virtual card options.
- Free ATM withdrawals
- NGN 150,000 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Wema Bank Plc (Source, checked September 26, 2026)
- Headquarters
- Nigeria (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Chat (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Official website
- alat.ng
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- A large free ATM allowance of NGN 150,000, where the alternatives listed here show £0 and $0.
- Multi-currency balances and a virtual card both sit in multi currency, virtual card and travel, so a single account covers everyday naira use and spending abroad.
- The card runs on the visa network, the choice behind 58.6% of the cards tracked here.
- Licensed by the Central Bank of Nigeria, with the account provided by Wema Bank Plc, founded 2017.
Cons
- Support runs on phone, email and chat only, which leaves out counter and branch service.
- The free ATM allowance of NGN 150,000 is a naira amount, so cash taken in another currency still carries conversion, where the median across this site is 1%.
- As a debit card, spending draws on the account balance, so a thin balance stops payments with no credit line to fall back on.
Who it suits
- Nigerian account holders who spend and travel across several currencies and want a virtual card for online payments.
- Cash-heavy users, since free ATM withdrawals run to NGN 150,000 on the debit card.
- People who would rather reach a person, given phone, email and chat sit in phone, email and chat.
Who should look elsewhere
- Wise, whose free ATM allowance of £250 fits a sterling-based account used outside Nigeria.
- Starling Personal Account Debit Card, which lists a free ATM allowance of £0 and suits readers who rarely touch an ATM.
- Upgrade OneCard™, whose free ATM allowance of $0 suits spending that rarely needs cash.
How ALAT by Wema compares
8.9 vs 9.4
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Where ALAT by Wema is available
- Available
- Nigeria
- Licence in Nigeria
- Central Bank of Nigeria, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the free ATM allowance on an ALAT by Wema card?+
Free ATM withdrawals come to NGN 150,000 on ALAT by Wema. Wise lists £250, Starling Personal Account Debit Card lists £0 and Upgrade OneCard™ lists $0. The ALAT card is a debit card on the visa network.
Is ALAT by Wema regulated in Nigeria?+
Yes, the licence behind this card sits with the Central Bank of Nigeria. The provider is Wema Bank Plc, founded 2017 and based in Nigeria, and the card runs on the visa network. That licence and network are the two things to weigh before opening the account.
Does ALAT by Wema cost much for currency conversion?+
Multi-currency sits in the multi currency, virtual card and travel feature list, so several currencies can be held on the account. The cost to weigh is conversion: this site's median conversion fee is 1%, while cards listed with no foreign fee sit at 0%. Cash abroad adds to that, since the free allowance is a naira amount.
Can I get a virtual card from ALAT by Wema?+
Yes. A virtual card is one of the multi currency, virtual card and travel features, listed next to multi-currency and travel. Online payments can be handled with card details rather than the physical debit card, which still runs on the visa network for everyday spending.
How do I reach ALAT by Wema support?+
Support runs on phone, email and chat, so a phone call, an email or a chat message covers most questions. That mix matches what other cards on this site offer, where phone support appears in 67.3% of listings and chat in 35.1%.
Who is ALAT by Wema aimed at?+
The card fits account holders in Nigeria who spend across several currencies, given the multi-currency, virtual card and travel entries in multi currency, virtual card and travel. Cash-heavy users are the other group, with free ATM withdrawals of NGN 150,000 the standout figure on this page, where Wise lists £250.
Is the ALAT by Wema card a debit or prepaid card?+
It is a debit card, so each payment comes straight from the account balance rather than a credit line. For readers weighing costs and how the account works, that keeps the flow of money simple, with cash available under the free ATM allowance of NGN 150,000 when needed.
How does ALAT by Wema sit among the debit cards on this site?+
The debit ranking here covers 1,363 cards, of which 100% are debit. ALAT by Wema sits in that group, with a debit card, free ATM withdrawals of NGN 150,000 and visa acceptance on the physical card.
Sources
- alat.ng checked September 26, 2026
Backs: Features
“virtual and physical debit cards, virtual dollar card”
- en.wikipedia.org/wiki/Wema_Bank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“was launched on May 2, 2017 by Wema Bank Plc”
- purpleconnect.wemabank.com/support/solutions checked September 26, 2026
Backs: Support channels
“Customer support via phone 070-PURPLE, email help@alat.ng, and live chat”
- purpleconnect.wemabank.com/support/solutions/folders/6700... checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Card network
“N150,000 on ATM, N1,000,000 on the Web and POS”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.
Related by the facts
ALAT by Wema
Naira spending with a generous free ATM allowance plus multi-currency and virtual card options.