Banco Inter vs ALAT by Wema.
Banco Inter (B76/100) and ALAT by Wema (A75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Banco Inter leads ALAT by Wema 6-1.
| A ALAT by Wema №19 · CBN 75 /100 | B Banco Inter №16 · BACEN 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank CBN | Full bank BACEN |
| Deposit guarantee Per depositor | €5,000,000 NG.NDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | 8 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 2.8 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.5 ★ iOS 4.6 · And 4.4 |
| Read review → | Read review → | |
Pick ALAT by Wema if…
Nigeria's first fully-digital bank — launched 2017 as a digital arm of Wema Bank (NGX-listed, CBN-licensed since 1945). Operates under the parent's full-bank licence (so NDIC ₦5M cover applies, vs. the ₦2M microfinance ceiling that Kuda + OPay sit under). Strongest domestic savings rate ladder in NG (up to 12% on goal-locked tenures).
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
- Best for fees Banco Inter won 1 of 4
- Best for protection ALAT by Wema won 1 of 2
- Best for reach Banco Inter won 2 of 3
- Best for ux Banco Inter won 2 of 2
Banco Inter vs ALAT by Wema — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is ALAT by Wema better than Banco Inter?
Under our v3 methodology, Banco Inter leads ALAT by Wema 6–1 across 12 dimensions. Composite scores: ALAT by Wema 75/100 vs Banco Inter 76/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is ALAT by Wema or Banco Inter cheaper?
Monthly fee — ALAT by Wema: €0; Banco Inter: €0. Card FX markup — ALAT by Wema: 3.00%; Banco Inter: Interbank. Banco Inter wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, ALAT by Wema or Banco Inter?
ALAT by Wema holds a Full bank licence under CBN; deposit guarantee per depositor: €5,000,000. Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. ALAT by Wema is the stronger pick on regulatory protection.
Where can I use ALAT by Wema and Banco Inter?
ALAT by Wema operates in 1 country; Banco Inter operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.