Wema Bank launches Tap and Pay, a contactless transfer feature integrated into its upgraded ALAT: The Evolution mobile banking app, enabling users to send and receive money instantly by tapping compatible smartphones together.
Announced in early January 2026 as part of the ALAT platform upgrade, this innovation simplifies peer-to-peer transactions for everyday use, eliminating the need for manual entry of account details and aligning with Wema Bank’s leadership in digital banking advancements in Nigeria.
As Africa’s first fully digital bank, ALAT by Wema continues to evolve, incorporating features such as Tap and Pay alongside voice banking and predictive reliability to deliver a smarter, faster, and more intuitive user experience.
How the Tap and Pay Feature Works
The Tap and Pay functionality leverages Near Field Communication (NFC) technology for seamless, proximity-based transfers.
It is available to all ALAT customers and currently supports transactions exclusively between ALAT accounts. To utilise the feature, users must:
- Download or update the ALAT app from the Google Play Store or Apple App Store.
- Log in with their account credentials.
- Enable NFC on their compatible smartphone.
- Ensure an active internet connection.
From the app’s home screen, users select the Contactless option (or widget), choose to send or receive funds, tap their device against another ALAT user’s phone, and confirm the transaction through on-screen prompts.
The entire process completes in seconds, bypassing traditional steps like entering account numbers or navigating multiple menus.
This streamlined approach makes it particularly suitable for quick, small-value transfers in social or daily scenarios.
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Key Benefits and Convenience
Tap and Pay significantly enhances user efficiency by reducing transaction friction and time.
It addresses common challenges in mobile banking, such as input errors or lengthy processes, making it ideal for frequent, informal transfers like reimbursements, bill splitting, or family support.
The feature promotes a more natural and hands-on interaction, contributing to a superior overall banking experience within the ALAT ecosystem.
Olusegun Adeniyi, Chief Digital Officer at Wema Bank, noted regarding the platform’s enhancements: “By integrating voice banking, contactless payments, and predictive reliability, we are delivering a platform that is built on powerful technology and responds intelligently to customer needs.”
Security and Protection Measures
Wema Bank ensures that all Tap and Pay transactions remain secure through its established protocols, including proprietary transaction screening, fraud prevention systems, and adherence to international standards such as PCIDSS certification.
The NFC-based method, combined with app authentication and internet connectivity requirements, provides robust safeguards against unauthorized access.
Additionally, funds held in ALAT accounts are insured by the Nigeria Deposit Insurance Corporation (NDIC), further bolstering user trust.
Advancing Digital Financial Inclusion
This feature supports broader financial inclusion efforts by making digital transfers more accessible, intuitive, and appealing, particularly to younger, tech-oriented users in Nigeria’s expanding digital economy.
By facilitating formal, secure channels for everyday transactions, Tap and Pay encourages reduced reliance on cash or less efficient methods, fostering greater adoption of regulated banking services.
Looking Ahead
Wema Bank’s Tap and Pay feature exemplifies a commitment to innovative, customer-centric digital banking, offering instant, secure, and convenient contactless transfers as part of the ALAT: The Evolution upgrade launched in January 2026.
It simplifies routine financial interactions while maintaining high standards of reliability and protection.
As ALAT continues to advance, such developments reinforce Wema Bank’s position at the forefront of Africa’s digital finance landscape.
Users are encouraged to update their ALAT app promptly and refer to official Wema Bank channels for the latest guidance on accessing this functionality.
Wema Bank Overview
The Wema Bank app provides customers with a convenient platform to manage their finances, starting from Wema Bank open account processes to everyday transactions on a Wema Bank account.
Users access services through Wema Bank login to carry out Wema Bank online transfer activities, including quick payments using the Wema Bank transfer code.
For support, customers can reach assistance via the Wema Bank customer care number or the Wema Bank WhatsApp number 24 hours a day, ensuring continuous help for account management and digital banking needs.
Ronnie Paul is a seasoned writer and analyst with a prolific portfolio of over 1,000 published articles, specialising in fintech, cryptocurrency, climate change, and digital finance at Africa Digest News.
