Quick answer
Wema Bank's main USSD code is *945#, while ALAT by Wema is its digital banking platform. Wema publishes *945*911# for a compromised account and support contacts including 08039003700 and purpleconnect@wemabank.com. Verify app downloads and contacts through wemabank.com or alat.ng.
This guide is checked against official bank or regulator sources where codes, channels and complaint routes matter. It is educational information, not financial advice.
Official Wema Bank channels to know
USSD
*945#
Mobile app
ALAT by Wema
Internet banking
Wema Bank Internet Banking / ALAT web channels
Customer care
Wema publishes 08039003700, 01-2777700-9 and purpleconnect@wemabank.com on its official website.
Emergency action
Wema's safety guidance lists *945*911# from the registered mobile number for compromised account information and support routes for card hotlisting.
Which Wema Bank channel should you use?
Use *945# when you need a short phone-based task without data. Use ALAT for a richer smartphone experience, including transfers, card controls, savings goals and account management. Use internet banking when you prefer a browser, and official support when an account, card, phone or transfer is at risk. Do not use a search-ad login page without checking the address.
How Wema *945# works
Wema says *945# supports balances, transfers, airtime, bills and other tasks through a mobile phone. Use the number registered to the account and keep the USSD PIN private. Menu options, charges and limits can change, so read the confirmation screen before approving a transaction. Never follow spoken instructions from an unsolicited caller through the USSD menu.
How to download and register on ALAT
Reach ALAT through Wema's website, alat.ng or a verified Apple or Google app-store listing. Wema's help material describes registration with identity checks that can include BVN and a live photo. These checks protect the account. Do not install an ALAT APK from a message, lend your face or identity to another person, or share the OTP used during setup.
ALAT goals and savings questions
ALAT supports goal-based savings products, but access rules, rates and loan features can change. Before creating a goal, read the frequency, target, withdrawal restriction, maturity date and any consequence of breaking the goal. A displayed return should be evaluated together with access to the money and current product terms, not compared using an old screenshot.
How to report a Wema or ALAT transfer problem
Check the transaction status in ALAT or Wema's official digital channel. Confirm whether your account was debited and whether the receiver later got the money. Save the amount, reference, time and beneficiary bank, then lodge a complaint through Purple Connect or another official channel. Request a complaint ticket and keep it for follow-up.
How to block a compromised Wema account
Wema publishes *945*911# for customers who suspect account information has been compromised. If a card is missing, Wema also advises contacting support to hotlist it or using ALAT card controls. Secure the linked SIM and email account, then review recent activity. Do not wait for a scammer to call again before taking action.
Wema and ALAT customer-care safety
Wema warns about fake customer-support profiles and says it will not ask for a password, PIN or OTP. Obtain contact information from the official Wema site or app. A WhatsApp business label can be copied, so verify the number independently. For a financial complaint, share the transaction reference and masked details, not private approval credentials.
Is ALAT the same as Wema Bank?
ALAT is Wema Bank's digital banking platform, not an unrelated bank. Customers use it to open or operate accounts, transfer money, manage cards, save toward goals and access other digital features. Wema also provides *945# USSD and traditional banking channels. When searching for ALAT login or download, begin from alat.ng, wemabank.com or a verified app-store listing.
When should you use ALAT and when should you use *945#?
Use ALAT when you have a smartphone and need transaction history, receipts, card controls, savings goals or richer account management. Use *945# for quick tasks without data or when the app is temporarily unavailable. Both channels depend on secure access to your phone. Do not let another person register a PIN, read an OTP or remotely control your screen.
How do you protect a Wema or ALAT account?
Wema's safety guidance says customers can dial *945*911# from the registered number when account information is compromised. A lost card can be hotlisted through the bank's official support lines or ALAT. If a phone is stolen, secure the SIM with the network provider, change relevant email credentials and review account activity after the bank has protected access.
Are ALAT goals, loans and savings rates permanent?
No. Product availability, rates, early-withdrawal rules and loan eligibility can change. An old article may describe a feature correctly for its date but not today. Read the current terms displayed in ALAT before locking savings or accepting credit. Compare total repayment and fees rather than judging a loan only by the amount offered.
How can you identify fake Wema customer support?
A verified-looking social profile or copied logo is not enough. Wema says it will not ask for your password, PIN or OTP. Obtain phone and WhatsApp details from Wema's official website or app, and start the conversation yourself. If an unsolicited caller creates urgency around a reversal, account upgrade or loan, end the call and verify independently.
Common tasks and safest next step
| Task | What to do |
|---|---|
| Bank without data | Dial *945# from the phone number connected to the account. |
| Use the app | Download ALAT from an official store link reached through Wema or ALAT. |
| Block compromised access | Wema lists *945*911# from the registered number. |
| Hotlist a lost card | Use ALAT card controls or contact Wema on a verified support line. |
| Report a transfer | Save the transaction facts and obtain a complaint ticket through official support. |
Before you contact customer care
Prepare the facts before reporting a bank issue. For failed transfer, unauthorized debit, ATM dispense error, POS dispute, app login problem or card issue, write down the date, time, amount, channel, beneficiary, transaction reference and what the app or receipt showed.
Do not include OTP, full card number, full PIN, password or token code in a complaint message. A support officer can investigate a transaction without those private credentials.
- Use official app, website, contact-centre, branch or verified profile details.
- Ask for a complaint or ticket reference when money is involved.
- Keep screenshots but hide OTPs, card details and sensitive balances where possible.
- If the bank does not resolve the issue within its complaint process, escalate with evidence through the appropriate regulatory route.
People also ask
What is Wema Bank code?
Wema Bank's main USSD banking code is *945#.
Is ALAT owned by Wema Bank?
Yes. ALAT is Wema Bank's digital banking platform.
Is ALAT a separate bank?
ALAT is a Wema Bank platform, not an unrelated Nigerian bank.
How do I download ALAT?
Use the verified app-store links reached through wemabank.com or alat.ng. Avoid APK files from messages.
Can I use Wema USSD without internet?
Yes. USSD operates through the mobile network without a data connection.
What should I do if my ALAT app is not opening?
Check connectivity and app updates, then use *945# for an urgent supported task or contact verified Wema support.
Can Wema Bank support ask for my PIN?
No. Wema says it will not ask for your password, PIN or OTP.
How do I contact Wema from outside Nigeria?
Use the official phone or email details on wemabank.com and check international calling availability before travelling.
Is Wema Bank licensed in Nigeria?
Wema states that it is licensed by the Central Bank of Nigeria. NDIC provides an insured-institution directory.
Can I open a Wema account through ALAT?
ALAT supports digital account registration subject to Wema's current identity checks and account-tier requirements.
What is Wema Bank USSD code in Nigeria?
Wema Bank's USSD banking code is *945#.
What is ALAT by Wema?
ALAT is Wema Bank's digital banking platform for opening and managing accounts through mobile and web channels.
How do I block a Wema Bank account?
Wema publishes *945*911# from the registered number when account information is compromised, followed by branch or support assistance.
What is Wema Bank customer care number?
Wema publishes 08039003700 and 01-2777700-9 on its official website. Verify the latest details before calling.
What is Wema Bank customer care email?
Wema publishes purpleconnect@wemabank.com. Do not email an OTP, PIN or password.
Does Wema Bank have WhatsApp customer care?
Wema's safety page lists 09044411010 for WhatsApp. Reconfirm it through wemabank.com before messaging.
Can I use ALAT outside Nigeria?
ALAT internet access may work abroad, subject to device, identity, location and product controls. Confirm current access and international-use rules with Wema before travelling.
Can Wema support ask for my OTP?
No. Wema states that it will not ask for passwords, PINs or OTPs.
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