ALAT by Wema
ALAT by Wema is a traditional bank card issued on Visa, rated 5.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
ALAT by Wema is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | ALAT by Wema · Traditional Bank Card |
| Official site | https://alat.ng |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 5.7/10 (3.0★, 305 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free (USD card); NGN 200 (naira card) |
| Monthly / annual fee | Up to $1 |
| FX / conversion fee | 3.5% |
| Declined transaction fee | $0.50 |
Verification and risk
| KYC required | Yes |
| Risk level | Low |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | Nigeria |
| Billing country | Nigeria |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
We logged 80 cleared charges out of 113 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does ALAT by Wema cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is Up to $1; conversion is priced at 3.5%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for ALAT by Wema?
ALAT by Wema asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund ALAT by Wema?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does ALAT by Wema need?
Setting it up: the billing address type is Nigeria; cards are issued against Nigeria; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does ALAT by Wema work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will ALAT by Wema trigger 3-D Secure?
Yes. ALAT by Wema supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with ALAT by Wema?
ALAT by Wema allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.