ALAT Is the first fully digitalized bank in nigeria which affords individuals privileged with the opportunity of owning internet enabled devices the convinience of opening and registering a bank account within few minutes "it is that simple" , they said.
You'd only need two things to register the account, your mobile number and your bvn number, meaning if you don't have a bank account before then you cannot open this account with ALAT, sorry. Even with how sleek ALAT would appear to be if you have bank accounts with other respectable financial institutions in nigeria and you go ahead to open account with ALAT you'd feel as if you just exchanged a ferrari with a golf car, am speaking from personal experience, when i opened my first bank account it was at a zenith bank branch in benin and i was below 18 so it was a student account which at that time could only hold a maximum of 200k naira, ever since then i've opened numerous accounts in other banks, information i got from the ads i saw online about ALAT was that you could open a bank account seemlessly with your phone and not stress yourself a bit, damn that turned out to be a big lie, i have been on the process of opening a SAVINGS bank account now for over a month, enough time for me to physically go to every bank in lagos state and open 18 savings bank accounts, also please do not be mislead by there ads as i was which only says that you need only your phone number and bvn to open a bank account, you would have to upload pictures of every document you would take to a bank to ALAT via their app which is available on the google playstore, i thought ALAT was a game changer for the banking industry untill i openned my account with them, boy was i wrong!!!.
Now lets talk a little bit about there customer care service, i've laid countless complaints via their emails,social media platforms customer care lines(their customer care line is not for free)
So i've exhausted airtime trying to call them and spend over 10 minutes on hold i usually just get pissed off and eventually end the calls,i've done this multiple times so one can imagine how much i've wasted on airtime,on social media i've laid complaints as long as this and they'll tell you that they will handle the issue, nothing gets done eventually. The point is if you open an account with ALAT today and you have a minor or major issue you want to resolve my brothers and sisters there is nobody to run to, their customer care is shit and if you are opportuned to get accross to them the odds of your issue getting resolved is two out of a hundred,and we all know that issues are bound to arise one way or the other, that is inevitable, i've learnt my lesson the hard way, ALAT would tell you that you would get your ATM card within 2 days, that took me 2 weeks, they would also tell you that to open a bank account is within 4 minutes, its taking 1 month and still counting, maybe that 4 minutes is 4 months😩, they are still verifying documents that i uploaded a month ago that was surposed to take 2 days, so guys you need to be carefull about things like this, this wasn't a very nice experience for me, i was messed up so please guys make more informed decisions.
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