wema_cleaned.json

[
  {
    "url": "https://wemabank.com/your-responsibility",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Avoiding Financial and Phishing Scams\n\n‘Phishing’ is where fraudsters send you emails or texts, often appearing to be from your bank, asking you to reply with your security information or click on a link, where they can then access your details. Fraudsters may tell you to update your BVN by sending your security information. Other email and texts trick you into downloading malicious software that helps fraudsters get hold of your account details and your money. The messages may look legitimate and will try to trick you into clicking a link, downloading something or opening an attachment.\n\nNever log in to Online Banking through a link in an email. Either type the address into your browser or use your bookmarks.\n\nOnly use official Mobile Banking apps, e.g. ALAT and only download apps from an official app store.\n\nBe wary of opening attachments or links in emails or texts that you weren’t expecting or are unsure about.\n\nNever share any security information in response to an email or text or on a site accessed via a link in an email or text Banks will never call you and ask you to transfer money to a new account, so ignore such calls. Ensure we have your latest mobile number so we can contact you if we spot unusual or suspicious activity on your account.\n\nE-mails and calls from Wema Bank\n\nKeeping Your Card and Card Details Safe\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nScam Alert TipsWema Bank will never ask you to send or update your account information via e-mail, especially your password or PIN.Always access our internet banking platform through our safe and secure website only – www.alat.ng or online.alat.ng.Never share your internet banking details/logon credentials, PIN or Token (OTP) Codes with anyone.Never write your password, Token (OTP) codes, PIN or card/banking details anywhere or send it via chat, e-mail, SMS or any other medium.Immediately inform us by calling our contact centre if you think your card or banking details have been compromised in any manner, stolen or lost.You can also inform us by calling 0-7000-PURPLE, 080-3900-3700, or by sending an SMS to 0705-111-2111.Guard YourselfRegister your card details.Activate card control on ALATOnly enter your card details on secure sites – check the web address begins with ‘https’ and that there’s an unbroken padlock symbol in the browser address bar.Use a computer, laptop or mobile device that’s protected with up-to-date security software.Avoid entering your card details on shared or public computers.Never give someone access to a device, like your computer or mobile, where your details are stored.Always log out after shopping and save the confirmation email as a record of your purchase.When in doubt, do not hesitate to contact the Bank for further information.Keep your contact details/ personal information with the bank up-to-date.Avoiding Financial and Phishing Scams‘Phishing’ is where fraudsters send you emails or texts, often appearing to be from your bank, asking you to reply with your security information or click on a link, where they can then access your details. Fraudsters may tell you to update your BVN by sending your security information. Other email and texts trick you into downloading malicious software that helps fraudsters get hold of your account details and your money. The messages may look legitimate and will try to trick you into clicking a link, downloading something or opening an attachment.Never log in to Online Banking through a link in an email. Either type the address into your browser or use your bookmarks.Only use official Mobile Banking apps, e.g. ALAT and only download apps from an official app store.Be wary of opening attachments or links in emails or texts that you weren’t expecting or are unsure about.Never share any security information in response to an email or text or on a site accessed via a link in an email or text Banks will never call you and ask you to transfer money to a new account, so ignore such calls. Ensure we have your latest mobile number so we can contact you if we spot unusual or suspicious activity on your account.E-mails and calls from Wema BankWe may e-mail or call you to confirm a transaction from time to time, but we’ll…Never email or text you a link that takes you straight to the Online Banking log-in page.Never email or text you asking you to verify your account or security details.Never email, text or call to ask you for your card details, password, PINs, or OTP codes.Never text you asking you to confirm a recent transaction (we may e-mail or call).Never call you to tell you how to respond to a confirmation text message.Keeping Your Card and Card Details SafeAlways shield your PIN when you are using your card.Change your PIN immediately if you suspect someone else may know it.Don’t use personal details or combinations that are easy to guess when choosing your PIN.Choose a PIN, password or passcode that’s difficult to guess (for example, you shouldn’t use something like ‘1234’ or your date of birth)Never reveal your PIN to anyone.Don’t let anyone distract you when you’re using your card in a shop or at an ATM, even if they appear to be helpful.Process and/or pick-up new cards from your local/domiciled branch if convenient.Sign new bank cards as soon as you get them and keep them in a safe place.Never write your security or card details down in a way someone else might recognize.Never let someone take your card away to process a transactionNever hand your card over to anyone.Report any lost or stolen cards immediately."
  },
  {
    "url": "https://wemabank.com/",
    "title": "Step into the future of banking with Wema Bank where excellence takes center stage",
    "meta_description": "Join the Financial Revolution with WEMA Bank - Elevate Your Experience with Innovative Services, Products, and a commitment to Sustainability.",
    "text": "It's an adventure in a great place where every team member is empowered to thrive, create, and excel, and where innovation thrives.\n\nThe future of banking is here. We're not just a bank, we're your financial co-pilot, expertly navigating you through the exciting future of money.\n\nThe bank where innovation, tech-savvy solutions, and financial freedom collide. Your money, your rules – let's redefine banking together!\n\nJoin the SARA community where financial aspirations come to fruition and discover a personalized touch, offering unique solutions for each woman's individual financial needs.\n\nFrom dream to dynasty, we're your launchpad.Our tailored loans and investments fuel your journey, every step of the way brick by entrepreneurial brick.\n\nEmpower your child to flourish as a financially savvy hero with our Royal Kiddies Account! This adventure imparts valuable lessons that accumulate into a lifetime of financial confidence.\n\nWith Wema Bank, you can access a range of financial solutions tailored to your business needs, including loans, investments, and trade finance. Get the resources you need to grow and expand your reach.\n\nAt Wema Bank, We offer a comprehensive range of personal banking products and services to meet your financial needs.\n\nWe empower businesses with a comprehensive range of financial solutions, including loans, investments, and convenient online banking tools, to help them grow and achieve their goals.\n\nOur expertise in trade finance and global network also enable businesses to expand beyond borders and reach new markets.\n\nUnlock your financial potential with Wema Bank's extensive range of consumer and business loans. Our flexible and personalized loan options support you in achieving your dreams, no matter how big or small. Explore our low-interest rates, flexible terms, and seamless application process.\n\nOur bespoke children's savings account designed to encourage saving and financial prudence from a young age. While providing parents with a convenient and secure way to save for their children's future.\n\nWe offer a comprehensive E-banking platform, ALAT, providing a range of convenient and secure ways to manage your finances 24/7, from anywhere in the world.\n\nElevate your Enterprise to new heights with a strategic partner. From strategic insights to cutting-edge tools, we are dedicated to propelling your business forward. Let's venture together towards success!\n\nYour partner in seamless and secure POS experiences that ensure client satisfaction and seamless payment processing.\n\nOur USSD Code offers a convenient and accessible way to manage your finances on your mobile phone without needing internet access.\n\nWe offer a variety of SME loan options to help your business grow, each with its own advantages and requirements.\n\nMake your transactions with our exclusive collection of personalized cards, allowing you to express your unique style and preferences in every financial interaction and transaction you make\n\nALATpay lets businesses collect payments easily from customers via several methods: cards (local and international), bank transfers, phone, NQR, and a dedicated online storefront for displaying and selling products. It's a one-stop platform for seamless digital payments.\n\nBe informed about our initiatives, partnerships, and the groundbreaking strides we're making in shaping the future of finance and banking.\n\nTrack the rhythm of our stock through real-time updates, insightful analysis, and historical trends.\n\nExperience stability and confidence through our Fixed Income alternatives and ratings, a testament to the trust we inspire in the industry.\n\nJoin us at our exclusive events where industry experts, thought leaders, and financial professionals converge to share valuable insights.\n\nWe are committed to advancing our sustainability initiatives, emphasizing responsible business practices, environmental stewardship, and fostering shared value for our stakeholders\n\nFostering collaboration for global and corporate goals through a systemic thinking approach.\n\nEnsuring integrity, accountability and transparency, we communicate and disclose impact consistently to stakeholders\n\nPrioritizing environmental quality sustains the future, creating a conducive environment for stakeholders and generations.\n\n“I’m grateful for the opportunity; it's not just about the grant, but the potential impact. Almost gave up on my business, but this boost will make a difference.”.\n\n“I’m grateful to wema bank for the impact in the Gen Z’s, the sound of ALAT competition has given me a greater platform in the music industry”.\n\n“Thank you immensely from my heart, this vote of support and confidence in my business ‘Jute’Ally’ fuels my determination to bring it to life”.\n\n“Thank you Wema bank, EDC master card for this opportunity and for awarding me this grant it serves as a motivation to pursue my business.”.\n\nThe Bank announces the successful completion of its ₦150 billion Rights Issue, which opened on April 14th,2025, and closed on May 21st,2025. The exercise has received formal approval from the Central Bank of Nigeria (CBN) and the Securities and Exchange Commission.\n\nWema Bank, Nigeria’s most innovative financial institution and pioneer of Africa’s first fully digital bank, ALAT, has empowered 80 teenagers and young adults through the 2025 edition of its flagship ALAT Summer Internship Program. The three-week initiative, which ended with a graduation ceremony on August 29 at the Bank’s headquarters, immersed participants in innovation, design thinking, and practical workplace experience; reinforcing Wema Bank’s commitment to raising the next generation of leaders.\n\nA Private Placement is a method of raising capital by offering shares of a company to a select group of investors rather than to all shareholders. It allows the Bank to raise funds efficiently while meeting regulatory and strategic objectives.\n\nInternational Youth Day and the week of activities that often surrounds it is more than a ceremonial period. Its a global call to action to recognize the role, potential, and rights of every young person in shaping a sustainable and equitable future.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nAt Wema Bank, we redefine workIt's an adventure in a great place where every team member is empowered to thrive, create, and excel, and where innovation thrives.Learn More\n\nRethink  Banking, Embrace ConvenienceThe future of banking is here. We're not just a bank, we're your financial co-pilot, expertly navigating you through the exciting future of money.Learn More\n\nJoin The Next  Generation Banking  RevolutionThe bank where innovation, tech-savvy solutions, and financial freedom collide. Your money, your rules – let's redefine banking together!Order Your Card Now\n\nSARA - Customized Solutions For HerJoin the SARA community where financial aspirations come to fruition and discover a personalized touch, offering unique solutions for each woman's individual financial needs.Learn More\n\nWe Power Your Ambitions, One Loan At a Time.From dream to dynasty, we're your launchpad.Our tailored loans and investments fuel your journey, every step of the way brick by entrepreneurial brick.Learn More\n\nNurturing  Smart Money  KidsEmpower your child to flourish as a financially savvy hero with our Royal Kiddies Account! This adventure imparts valuable lessons that accumulate into a lifetime of financial confidence.Learn More\n\nOur productsElevate Your BusinessWith Wema Bank, you can access a range of financial solutions tailored to your business needs, including loans, investments, and trade finance. Get the resources you need to grow and expand your reach.Personal BankingAt Wema Bank, We offer a comprehensive range of personal banking products and services to meet your financial needs.Get started Business BankingWe empower businesses with a comprehensive range of financial solutions, including loans, investments, and convenient online banking tools, to help them grow and achieve their goals.Get started Corporate BankingOur expertise in trade finance and global network also enable businesses to expand beyond borders and reach new markets.Get started LoansUnlock your financial potential with Wema Bank's extensive range of consumer and business loans. Our flexible and personalized loan options support you in achieving your dreams, no matter how big or small. Explore our low-interest rates, flexible terms, and seamless application process.Get started Royal KiddiesOur bespoke children's savings account designed to encourage saving and financial prudence from a young age. While providing parents with a convenient and secure way to save for their children's future.Get started E-BankingWe offer a comprehensive E-banking platform, ALAT, providing a range of convenient and secure ways to manage your finances 24/7, from anywhere in the world.Get started SME BankingYour Strategic SME PartnerElevate your Enterprise to new heights with a strategic partner. From strategic insights to cutting-edge tools, we are dedicated to propelling your business forward. Let's venture together towards success!Learn MoreWema POSYour partner in seamless and secure POS experiences that ensure client satisfaction and seamless payment processing.*945#Our USSD Code offers a convenient and accessible way to manage your finances on your mobile phone without needing internet access.SME LoansWe offer a variety of SME loan options to help your business grow, each with its own advantages and requirements.Custom CardsExperience Individuality in Every SwipeMake your transactions with our exclusive collection of personalized cards, allowing you to express your unique style and preferences in every financial interaction and transaction you makeLearn MoreALATPayYour Gateway to Uninterrupted GrowthALATpay lets businesses collect payments easily from customers via several methods: cards (local and international), bank transfers, phone, NQR, and a dedicated online storefront for displaying and selling products. It's a one-stop platform for seamless digital payments.Learn More\n\nOur productsElevate Your BusinessWith Wema Bank, you can access a range of financial solutions tailored to your business needs, including loans, investments, and trade finance. Get the resources you need to grow and expand your reach.Personal BankingAt Wema Bank, We offer a comprehensive range of personal banking products and services to meet your financial needs.Get started Business BankingWe empower businesses with a comprehensive range of financial solutions, including loans, investments, and convenient online banking tools, to help them grow and achieve their goals.Get started Corporate BankingOur expertise in trade finance and global network also enable businesses to expand beyond borders and reach new markets.Get started LoansUnlock your financial potential with Wema Bank's extensive range of consumer and business loans. Our flexible and personalized loan options support you in achieving your dreams, no matter how big or small. Explore our low-interest rates, flexible terms, and seamless application process.Get started Royal KiddiesOur bespoke children's savings account designed to encourage saving and financial prudence from a young age. While providing parents with a convenient and secure way to save for their children's future.Get started E-BankingWe offer a comprehensive E-banking platform, ALAT, providing a range of convenient and secure ways to manage your finances 24/7, from anywhere in the world.Get started\n\nSME BankingYour Strategic SME PartnerElevate your Enterprise to new heights with a strategic partner. From strategic insights to cutting-edge tools, we are dedicated to propelling your business forward. Let's venture together towards success!Learn More\n\nWema POSYour partner in seamless and secure POS experiences that ensure client satisfaction and seamless payment processing.*945#Our USSD Code offers a convenient and accessible way to manage your finances on your mobile phone without needing internet access.SME LoansWe offer a variety of SME loan options to help your business grow, each with its own advantages and requirements.\n\nCustom CardsExperience Individuality in Every SwipeMake your transactions with our exclusive collection of personalized cards, allowing you to express your unique style and preferences in every financial interaction and transaction you makeLearn More\n\nALATPayYour Gateway to Uninterrupted GrowthALATpay lets businesses collect payments easily from customers via several methods: cards (local and international), bank transfers, phone, NQR, and a dedicated online storefront for displaying and selling products. It's a one-stop platform for seamless digital payments.Learn More\n\nInvestor RelationsExplore the Latest Stories Shaping Our Financial LandscapeBe informed about our initiatives, partnerships, and the groundbreaking strides we're making in shaping the future of finance and banking.2025-10-09Trade Date 19.95Last0.1ChangeBBBOur RatingOur Share PriceTrack the rhythm of our stock through real-time updates, insightful analysis, and historical trends.Fixed Income & RatingsExperience stability and confidence through our Fixed Income alternatives and ratings, a testament to the trust we inspire in the industry.Events & PresentationsJoin us at our exclusive events where industry experts, thought leaders, and financial professionals converge to share valuable insights.\n\nSustainabilityChampioning Responsible Business for a Sustainable FutureWe are committed to advancing our sustainability initiatives, emphasizing responsible business practices, environmental stewardship, and fostering shared value for our stakeholdersLearn MorePartnershipsFostering collaboration for global and corporate goals through a systemic thinking approach.Governance & ReportingEnsuring integrity, accountability and transparency, we communicate and disclose impact consistently to stakeholdersEnvironmental FootprintPrioritizing environmental quality sustains the future, creating a conducive environment for stakeholders and generations."
  },
  {
    "url": "https://wemabank.com/wemaat80",
    "title": "WEMA Bank at 80",
    "meta_description": "For 80 years, Wema Bank has been a force for progress, empowering people, businesses, and communities.",
    "text": "For 80 years, Wema Bank has been a force for progress, empowering people, businesses, and communities.\n\nTo the youth, we enable dreams. To the underprivileged, we bridge gaps. To the established, we drive success. To businesses, we fuel growth. To the finance industry, we set the pace. To the nation, we champion development. To the world, we promote innovation and sustainability. And to us, our customers are everything.\n\nFor eight decades, we have led the way. And with you, the journey continues.\n\nIn the heart of Nigeria’s active history, there’s a story that speaks of visionaries who dared to dream when the odds were stacked against them. This is the tale of Wema Bank, Nigeria’s oldest indigenous bank, whose journey spans over 80 years and is rooted in an audacious dream. From humble beginnings in a bungalow in Lagos, Nigeria in the 1940s to becoming Africa’s digital banking pioneer, Wema Bank’s legacy is built on one core principle - RESILIENCE.\n\nThis article takes us through the story of how Wema Bank’s transformational journey began in 1945.\n\nTHE FOUNDERS’ DREAM: THE DREAM THAT DEFIED THE IMPOSSIBLE\n\nIn the 1940s, when Nigeria was under colonial rule, few could imagine a Nigerian-owned bank would exist. The idea seemed far-fetched, an impossible dream. But In a bungalow located in Ebute metta, Lagos, Nigeria began the story of Nigeria’s oldest indigenous bank and most resilient, Wema Bank, where an ambitious young man from the Okupe family of the Agbonmagbe Ruling House, the Late Chief Matthew Adekoya Okupe, had a vision—to establish an indigenous Bank that was built to last and fortified to serve the people for years to come.\n\nAt the time, it seemed impractical and unattainable, but Chief Matthew Adekoya Okupe, a man who started his career earning a modest 20 shillings as salary, saw a future where Nigerians controlled their own financial destiny. He wasn’t alone in this vision. Alongside him were his wife, Mrs. Reginald Adekoya Okupe (R.A.O.), and Reverend Alabi, three dreamers who believed that an indigenous Nigerian bank was not just possible—it was necessary.\n\nTogether, these three exceeded all expectations and did the impossible, establishing the only indigenous bank to have stood the test of time for eight decades, surviving pre-Independence Nigeria, the digital evolution and all eras which significantly restructured the banking industry, to standing strong in the 21st century as an industry leader and a pioneer of digital banking and innovation. This Bank is Wema Bank, Plc. and its birth name was Agbonmagbe Bank limited.\n\nTHE ROAD TO AGBONMAGBE BANK LIMITED\n\nIn 1939, Chief Matthew Adekoya Okupe built Agbonmagbe Lodge, a building that still stands prominently today at the foot of the ramp leading into Yaba, Lagos, Nigeria from the third mainland bridge. In this timeless white bungalow (a place where dreams were turned into action), Chief Okupe birthed the vision of Nigeria’s oldest indigenous bank, joining forces with his partner in love and partners in business, R.A.O. and Reverend Alabi, to bring the vision into reality.\n\nOut of context, one would wonder what was so special about that dream. After all, majority of the Nigerian Banking industry of today is populated with indigenous banks. A correct observation—one which unironically highlights the beauty of that dream.\n\nThe intricacies of the colonial era are no news to any adult in today’s world. Before Nigeria gained independence in 1960, the country had lived under the British colonial rule for decades, using the British currencies, adopting the services they provided and existing under their governance. In such an era, the idea of an indigenous bank may have seemed unrealistic; “It won’t last”, “How will you do it?”, “Forget it”, “It is not even possible”; but it was. All that was needed was a group of determined and resourceful individuals ready to break through and do the impossible. Against skepticism, the founders pressed on, knowing that the foundation they were laying would become a cornerstone for future generations. And today, it is now known as Nigeria’s oldest, longest surviving, most resilient and innovative bank, Wema Bank,\n\nAs the Agbonmagbe Bank Limited received its license to operate on May 2, 1945, a new chapter in Nigeria’s banking history began; marking the beginning of Wema Bank’s story.\n\nCHALLENGES AND RESILIENCE: A TEST OF STRENGTH\n\nAs one of the thriving banks at the time, Agbonmagbe Bank Limited had earned the patronage of many Nigerians on individual, business and institutional levels. One of such stakeholders was the Western Nigeria Marketing Board, who had a fixed deposit of 200,000 pounds with the bank.\n\nHowever, No success story is without its trials, and for Wema Bank, the challenges came early. Despite flourishing in its early years, Agbonmagbe Bank faced its first major hurdle in 1968 when the government required banks to recapitalize to meet the minimum requirement over a certain period.\n\nUnfortunately, this development came at a crucial point in the journey of Agbonmagbe Bank Limited, resulting in the bank being unable to meet up with its plans for raising foreign investments within the stipulated period. In an unexpected twist of fate, The Western Nigeria Marketing Board converted their fixed deposit of 200,000 pounds into shares, making the Board the majority shareholder in the bank and allowing the bank to keep on—only, this time, with the Board owning the bank. This lifechanging turn of events left Chief Matthew Okupe and his partners with a tough decision to make: hand over the reins or risk seeing their dream disappear. They chose to let the legacy continue, even if it meant losing control. This pivotal moment ensured that the bank would survive and continue its mission.\n\nTHE TOUGH DECISIONS ON THE ROAD TO SUCCESS: FROM AGBONMAGBE TO WEMA BANK PLC\n\nFor years after its establishment, Agbonmagbe Bank Limited thrived, providing financial services from two small rooms in Agbonmagbe Lodge, fortified with secure windows that kept documents and funds safe in a 4-foot safe high that stands as a banking industry relic today, still at Agbonmagbe Lodge. Those two rooms in Agbonmagbe Lodge served as the first branch, subsequently expanding to branches in Ebute-metta, Sagamu, Abeokuta and Ijebu-Igbo.\n\nIn 1969, Agbonmagbe Bank Limited evolved into Wema Bank Limited, a name that would eventually become synonymous with resilience and vision. As Nigeria moved into a new era, so too did the bank.\n\nAs digital evolution took effect on the economy in the later parts of the 1900s, industries were gradually forced to restructure and adapt over the coming years, and institutions that were unable to act fast and implement the necessary adjustments had no choice but to go into extinction. Hundreds of financial institutions fizzled out, but Wema Bank remained resilient, surviving through the decades and continuing to deliver financial services as a private entity. Sadly, Chief Matthew Okupe passed on in 1984, leaving behind the profound legacy of Nigeria’s oldest indigenous bank, a legacy which has continued to live on into its best decades.\n\nBy 1987, Wema Bank Limited became Wema Bank plc, becoming a public limited liability company that became listed on the Nigerian Stock Exchange in 1990 under the symbol WEMABANK. By February 2001, the Bank was granted a Universal Banking License by the Central Bank of Nigeria (CBN). By 2005, after the Soludo-led recapitalization exercise, Wema Bank merged with the then National Bank of Nigeria, acquiring National Bank and retaining the name, Wema Bank plc.\n\nEconomic turbulence in the early 2000s led to dramatic restructuring. This time, the decision was to scale back and focus on regaining strength. By 2009, Wema Bank received its regional banking authorisation and took a step back to refuel, knowing that it had the resilience to come back stronger.\n\nBECOMING WEMA BANK PLC - A REBIRTH & THE RISE OF DIGITAL INNOVATION\n\nIn the face of adversity, Wema Bank didn’t just survive—it reinvented itself. After years of restructuring, the bank rebranded itself as Nigeria’s most innovative bank, embracing technology as the future of banking. By 2015, Wema Bank regained its national banking license, ushering in a new chapter of growth and transformation.\n\nSlowly but surely, Wema Bank rebuilt itself over six years, restrategising with a new focus on innovation, customer centricity and transformation, thus rebranding from simply being Nigeria’s oldest indigenous bank and most resilient bank to also becoming the Bank we all know today as Nigeria’s most innovative bank.\n\nNigeria’s oldest indigenous bank soon began to spearhead a digital transformation in the banking industry, going beyond the Wema Mobile App, which stood on par with other mobile banking apps in the industry, to pioneering ALAT, the first fully digital bank in Africa.\n\nThis unexpected yet groundbreaking move shook the financial services industry, introducing a new era of banking where Nigerians could bank end-to-end without ever having to visit a physical branch. In its true nature of breaking new ground since birth, Wema Bank, within the past decade, has launched several industry firsts into the industry, leveraging its wealth of experience in the industry and its drive for innovation, futuristic and customer centric banking to discover new areas of need to provide solutions, meet needs and make remarkable impact.\n\nOver the past ten years, the Bank has introduced CoopHub, Nigeria’s first digital solution for cooperative societies; the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers; ALATPay, an unparalleled payment gateway that streamlines the process of conducting transactions by eliminating the need for a middleman and providing instant settlement for business transactions on the gateway.\n\nBeyond pioneering innovation, Wema Bank has assumed the role of an enabler of innovation, empowering Nigerians to innovate on both individual and business levels. On the individual level, the Bank launched Hackaholics, its youth-focused hackathon that has empowered thousands of Nigerian youths to bring their innovative tech-driven ideas to life and become startup owners as early as their undergraduate years.\n\nThe Bank has also launched partnerships with the Federal Government of Nigeria to introduce the FGN-ALAT Digital Skillnovation Programme for Youth and Business Owners, as well as the National Youth Service Corps to introduce the NYSC-ALAT Digital Skillnovation Programme, addressing unemployment and underemployment by equipping youth with digital and business skills, financial and material resources, practical insights on how to become highly sought after in their careers, and job placements to ensure a smooth education to employment transition for them.\n\nCurrently, Wema Bank is a partner to over 80% of FINTECHs in the industry today, providing them with the infrastructure to operate and execute their operations.\n\nHaving experienced the evolution of Nigeria’s economic trends and witnessed first-hand its impact on lives and businesses, Wema Bank did the groundwork of reinventing itself to become stronger and now, the Bank is on a quest to empower Nigerians on all levels to earn a sustainable living, become economically active, thrive and contribute to the economy of the country as a whole.\n\nNaturally, Wema Bank’s customer base and financial performance have continued to skyrocket since its reinvention and with a foolproof strategy of constantly adapting and innovating to deliver optimum value, meet needs and generate unparalleled impact, Wema Bank is evidently headed for the top of Africa’s financial industry—and it is beyond doubt at this point, that the Bank is well equipped to do so.\n\nWEMA BANK AT 80: THE BEST IS YET TO COME\n\nFrom its humble beginnings in a bungalow to over 160 branches in 26 states, to becoming a trailblazer in Africa’s banking sector, Wema Bank has proven that with determination, innovation, and a people-first approach, anything is possible. For 80 years, the Bank has stood resilient, evolving, and empowering Nigerians across all walks of life.\n\nThe journey of Wema Bank stands deeply symbolic, representing the resilience of a Bank that rose in the depth of Nigeria’s colonial struggles as an indigenous and Nigerian-owned bank, surviving the worst to emerging one of the best.\n\nThe celebration of Wema Bank’s 80th anniversary is one that calls for national honour. It is the celebration of the transformative Bank that proved that Nigerian-owned businesses have the capacity to last. For 8 decades, Wema Bank has stood the test of time, weathering all storms, navigating all hurdles and defying all odds to stand strong at 80 years, proving that the sky is indeed its starting point.\n\nToday, Wema Bank is not just a bank—it’s an institution. An institution in the financial industry that believes in the power of individuals, businesses, and communities to rise, innovate, and make a difference. As it looks to the future, Wema Bank’s story is far from over. In fact, the best is yet to come.\n\nWema Bank has kicked off its 80th-anniversary celebration with the launch of its “80 Years of Spreading Love” Valentine campaign, running from February 1st to 28th, 2024. This campaign is the first in a series of exciting activities leading up to the bank’s grand 80th anniversary on May 2, 2025, and is designed to reward customer loyalty, strengthen connections, and create unforgettable experiences through 80 Acts of Love.\n\nWith rewards tailored for every customer segment, Wema Bank is rolling out ?11,000,000 in cash prizes, gift cards, movie tickets, spa treatments, fitness access, and Uber vouchers for young professionals and students. Women and families will enjoy free SARA health consultations, business promotions, and networking opportunities, while Diaspora and Prestige customers can access discounted loans, cashback rewards, and priority banking services. SMEs and entrepreneurs aren’t left out, as they’ll benefit from free delivery services, business training sessions, Meta advert credits, and promotional support, alongside up to 15% off CIG Motors products and 5% off Green Asset products with free StarTimes decoders and a six-month subscription.\n\nThe “80 Years of Spreading Love” campaign is just the beginning of a year-long celebration honoring the customers who have journeyed with Wema Bank over the past eight decades. To take part in the rewards, customers simply need to download ALAT and follow Wema Bank on social media for updates on exclusive benefits throughout the season of love.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nSince 1945Our HistoryFor 80 years, Wema Bank has been a force for progress, empowering people, businesses, and communities.To the youth, we enable dreams. To the underprivileged, we bridge gaps. To the established, we drive success. To businesses, we fuel growth. To the finance industry, we set the pace. To the nation, we champion development. To the world, we promote innovation and sustainability. And to us, our customers are everything.For eight decades, we have led the way. And with you, the journey continues.Click here to read more"
  },
  {
    "url": "https://wemabank.com/personal",
    "title": "WEMA Bank Personal Banking - Tailored Solutions for Your Needs",
    "meta_description": "Discover personalized solutions with WEMA Bank's personal banking services. From current accounts to personal loans, experience financial products designed to meet your individual needs in Lagos, Nigeria.",
    "text": "At Wema, our Personal Banking services are crafted with you in mind. Whether you're saving for the future, managing day-to-day expenses, or planning major life milestones, we provide a suite of solutions designed to meet your unique needs.\n\nExperience the ease of account management, convenient transactions, and personalized financial guidance. Your financial journey is our priority, and with Wema’s Personal Banking, you have a trusted partner committed to enhancing your financial well-being every step of the way.\n\nDiscover a wealth of information, insights, and tools designed to optimize your banking experience. Explore the features, benefits, and tips to make the most out of your accounts and services, ensuring a tailored and efficient financial journey.\n\nExplore the stability and growth potential of your finances with our tailored fixed deposit solutions. Learn about competitive rates, flexible terms, and the assurance of a secure investment.\n\nExplore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.\n\nExplore a range of tailored solutions designed to turn your aspirations into reality. From flexible terms to competitive rates, embark on a journey of financial empowerment with our consumer loans. Your goals are within reach – discover the possibilities today.\n\nExplore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nAccounts and ServicesYour gateway to banking excellenceDiscover a wealth of information, insights, and tools designed to optimize your banking experience. Explore the features, benefits, and tips to make the most out of your accounts and services, ensuring a tailored and efficient financial journey.Find Out More\n\nFixed DepositsSecure your future, Grow your wealthExplore the stability and growth potential of your finances with our tailored fixed deposit solutions. Learn about competitive rates, flexible terms, and the assurance of a secure investment.Find Out More\n\nCardsEmpower Your TransactionsExplore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle. Find Out More\n\nConsumer LoansRealize Your DreamsExplore a range of tailored solutions designed to turn your aspirations into reality. From flexible terms to competitive rates, embark on a journey of financial empowerment with our consumer loans. Your goals are within reach – discover the possibilities today.Find Out More\n\nE-BankingEmpower Your TransactionsExplore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.  Find Out More"
  },
  {
    "url": "https://wemabank.com/business",
    "title": "WEMA Bank Business Banking - Empowering Your Business Growth",
    "meta_description": "Empower your business with WEMA Bank's business banking solutions. From SME accounts to corporate loans, access financial services designed to fuel the growth of your business in Lagos, Nigeria.",
    "text": "We are dedicated to crafting  your entrepreneurial journey. Discover a suite of tailored financial solutions, from accounts to loans, designed to empower your business growth.\n\nEmbark on a seamless financial journey with Wema's Business Banking, where the same commitment to excellence and personalized service is extended to meet the unique needs of your enterprise.\n\nExperience unparalleled ease in managing your business accounts, conducting convenient transactions, and receiving expert guidance tailored to the corporate landscape.\n\nOur range of corporate banking solutions and services are designed to increase your productivity, growth, get leverage over your competitor's dream, and turn opportunities into profit.\n\nWe offer trade without borders services with current and leading-edge information on international business regulations. At Wema Bank, we provide support to ensure seamless processing of transactions that meet global standards practice.\n\nExplore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nEmbark on a seamless financial journey with Wema's Business Banking, where the same commitment to excellence and personalized service is extended to meet the unique needs of your enterprise.Experience unparalleled ease in managing your business accounts, conducting convenient transactions, and receiving expert guidance tailored to the corporate landscape.\n\nCorporate BankingMaximizing Financial Potential through Corporate BankingOur range of corporate banking solutions and services are designed to increase your productivity, growth, get leverage over your competitor's dream, and turn opportunities into profit.Find Out More\n\nTrade ServicesTrade Without Border ServicesWe offer trade without borders services with current and leading-edge information on international business regulations. At Wema Bank, we provide support to ensure seamless processing of transactions that meet global standards practice.Find Out More\n\nE-BankingSeamless Banking, Infinite BenefitsExplore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.Find Out More"
  },
  {
    "url": "https://wemabank.com/smes",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Discover a world of unique opportunities, viable solutions and thoughtfully-curated resources designed to forge a sustainably successful future for your business! At Wema Bank, We are that Partner every business needs; protecting your future and proactively meeting your needs! Explore our unparalleled range of cutting-edge solutions as we fuel your business to the top.\n\nGet Started on ALAT For Business\n\nA digital platform that offers efficient financial management tools.\n\nSimplifies payment via web platforms on various channels like Cards, Bank Transfers, Pay with Phone number and Pay with Bank accounts.\n\nWith this system, you can enjoy seamless payments with Debit/Credit Card, transfers, same-day settlement and more.\n\nOur secure and efficient QR payment solution is perfect for reducing transaction time and improving cash flow.\n\nA mid-year review helps you step back, see the full picture, and move forward with clarity and confidence.\n\nIn 2 minutes, get competitive and seamless loans tailored to help grow your business\n\nTake advantage of our advisory services and Wema SME business school.\n\nOur school management solution designed to enhance operational services through modern technology and a robust system.\n\nDigitize the entire medical journey for patients and hospitals administrators with Wema-Health.\n\nOur array of solutions empower take-off all other tasks that could be consuming your precious time.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nDiscover a world of unique opportunities, viable solutions and thoughtfully-curated resources designed to forge a sustainably successful future for your business! At Wema Bank, We are that Partner every business needs; protecting your future and proactively meeting your needs! Explore our unparalleled range of cutting-edge solutions as we fuel your business to the top.Get Started on ALAT For BusinessALAT for BusinessA digital platform that offers efficient financial management tools.Read More ALATPaySimplifies payment via web platforms on various channels like Cards, Bank Transfers, Pay with Phone number and Pay with Bank accounts.Read More POS (Point of Sales) TerminalWith this system, you can enjoy seamless payments with Debit/Credit Card, transfers, same-day settlement and more.Read More Wema QR/DecalOur secure and efficient QR payment solution is perfect for reducing transaction time and improving cash flow.Read More"
  },
  {
    "url": "https://wemabank.com/blog",
    "title": "WEMA Bank Blogs - Insightful Articles on Finance and Banking",
    "meta_description": "Explore insightful articles on finance and banking in WEMA Bank's blogs. Stay informed and empowered with our expert perspectives on financial trends, tips, and industry insights in Lagos, Nigeria.",
    "text": "The Bank announces the successful completion of its ₦150 billion Rights Issue, which opened on April 14th,2025, and closed on May 21st,2025. The exercise has received formal approval from the Central Bank of Nigeria (CBN) and the Securities and Exchange Commission.\n\nWema Bank, Nigeria’s most innovative financial institution and pioneer of Africa’s first fully digital bank, ALAT, has empowered 80 teenagers and young adults through the 2025 edition of its flagship ALAT Summer Internship Program. The three-week initiative, which ended with a graduation ceremony on August 29 at the Bank’s headquarters, immersed participants in innovation, design thinking, and practical workplace experience; reinforcing Wema Bank’s commitment to raising the next generation of leaders.\n\nA Private Placement is a method of raising capital by offering shares of a company to a select group of investors rather than to all shareholders. It allows the Bank to raise funds efficiently while meeting regulatory and strategic objectives.\n\nInternational Youth Day and the week of activities that often surrounds it is more than a ceremonial period. Its a global call to action to recognize the role, potential, and rights of every young person in shaping a sustainable and equitable future.\n\nWema Bank’s H1 2025 Unaudited Financial Results reported remarkable financial upturns including a Profit Before Tax (PBT) of ₦101.2 billion\n\nBy using the debit card (\"Card\") issued by WEMA BANK PLC, you agree to be bound by these Terms and Conditions. The Card remains the property of the Bank and must be returned upon request. You are responsible for all transactions conducted using the Card, whether authorized or unauthorized, unless reported promptly in accordance with these terms.\n\nOn Friday, 18th July 2025, a total of 131 Nigerians walked away with cash prizes ranging from N25,000 to N1,000,000 in the just-concluded 9th monthly draw of the Wema Bank 5 for 5 Promo Season 4.\n\nThe ALAT Summer Internship Programme is a month-long learning experience designed by Wema Bank to empower teenagers between the ages of 13 and 20 with relevant skills and exposure to the professional workplace at an early stage.\n\nWema Bank, Nigeria’s most innovative financial institution and pioneer of Africa’s first fully digital bank, ALAT, has reaffirmed its commitment to advancing women's empowerment by partnering with the SheCan Conference for the fifth consecutive year. This year’s edition - SheCan 6.0, will hold on Friday, July 18, 2025, at Balmoral, Federal Palace Hotel, Lagos, and is expected to host over 7,000 women under the theme “SheCan Do More.”\n\nCoopHub is a leading platform transforming cooperative management across Africa, empowering organizations with cutting-edge digital tools to streamline operations, improve member engagement, and drive sustainable growth.\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/alat-xplore",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Don’t just wait around—take the leap into ALATXplore and start owning your financial game!\n\nClick The App Stores Below to Sign Up and Get Started!\n\nIntroducing Nigeria's first licensed banking App for teenagers; the ultimate banking solution designed to help teenagers ages 13-17 build their money management skills, crush their financial goals and become financially responsible. Click to read.\n\nWema Bank, Nigeria’s foremost innovative app and pioneer of Africa’s first fully digital bank, ALAT, is breaking new ground by pioneering yet another industry first; the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers. Click to read.\n\nWema Bank, Nigeria’s foremost innovative app and pioneer of Africa’s first fully digital bank, ALAT, is changing the game with the launch of the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers. Click to read.\n\nIn today's digitally driven world, financial literacy is more important than ever, particularly for younger generations. Recognizing this, Wema Bank—Nigeria's most innovative bank and the pioneer behind ALAT, Africa’s first fully digital bank. Click to read.\n\nWema Bank, Nigeria’s foremost innovative app and pioneer of Africa’s first fully digital bank, ALAT, has pioneered a first-of-its-kind mobile banking App for teenagers, called the ALAT Xplore App. Click to read.\n\nWema Bank, Nigeria's foremost innovative bank and pioneer of Africa's fully digital bank, ALAT, has launched yet another gamechanger called the ALAT Xplore App, Nigeria's first licensed banking App for teenagers. Click to read.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nDownload ALAT Xplore App To Get StartedFollow us on InstagramAbout ALAT XploreIntroducing Nigeria's first licensed banking App for teenagers; the ultimate banking solution designed to help teenagers ages 13-17 build their money management skills, crush their financial goals and become financially responsible.With the ALAT Xplore App, finance management is seamless, simplified and exciting for teenagers. Whether they are saving for that dream gadget, learning the ropes of budgeting, or just getting started on their financial journey, ALAT Xplore is the App that every teenager needs—and every parent should want for their teen! (Click To Read More).\n\nAbout ALAT XploreIntroducing Nigeria's first licensed banking App for teenagers; the ultimate banking solution designed to help teenagers ages 13-17 build their money management skills, crush their financial goals and become financially responsible.With the ALAT Xplore App, finance management is seamless, simplified and exciting for teenagers. Whether they are saving for that dream gadget, learning the ropes of budgeting, or just getting started on their financial journey, ALAT Xplore is the App that every teenager needs—and every parent should want for their teen! (Click To Read More).\n\nFeatures of ALAT XploreYour Money DashboardFun Goal-SettingMoney Lessons That StickParental PerksSafe And Secure Transactions\n\nHow To Get RollingStarting is easy as 1-2-3 (…okay, 5)The parent or guardian opens an ALAT account for their teenager on the ALAT app.The teenager downloads the ALAT Xplore App, fills in the required information, and sends a link to the parent/guardian requesting permission to use the ALAT Xplore App.The parent/guardian grants the permission via the ALAT AppOnce approved, the teenager can login at anytime, request an ALAT Xplore Debit Card, set up savings goals, and explore all the unique features on the app on their phone.Ready to Roll?Don’t just wait around—take the leap into ALATXplore and start owning your financial game!Click The App Stores Below to Sign Up and Get Started!\n\nIntroducing ALAT Xplore appIntroducing Nigeria's first licensed banking App for teenagers; the ultimate banking solution designed to help teenagers ages 13-17 build their money management skills, crush their financial goals and become financially responsible. Click to read.Wema Bank Pioneers Nigeria’s First Licensed Banking App for Teenagers, ALAT Xplore AppWema Bank, Nigeria’s foremost innovative app and pioneer of Africa’s first fully digital bank, ALAT, is breaking new ground by pioneering yet another industry first; the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers. Click to read.10 Things to Know About the ALAT Xplore APP Powered By Wema BankWema Bank, Nigeria’s foremost innovative app and pioneer of Africa’s first fully digital bank, ALAT, is changing the game with the launch of the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers. Click to read.How to Onboard on the ALAT Xplore App: A Comprehensive GuideIn today's digitally driven world, financial literacy is more important than ever, particularly for younger generations. Recognizing this, Wema Bank—Nigeria's most innovative bank and the pioneer behind ALAT, Africa’s first fully digital bank. Click to read.5 Facts About the ALAT Xplore APP Powered By Wema BankWema Bank, Nigeria’s foremost innovative app and pioneer of Africa’s first fully digital bank, ALAT, has pioneered a first-of-its-kind mobile banking App for teenagers, called the ALAT Xplore App. Click to read.5 Features That You Will Love on the ALAT Xplore App by Wema BankWema Bank, Nigeria's foremost innovative bank and pioneer of Africa's fully digital bank, ALAT, has launched yet another gamechanger called the ALAT Xplore App, Nigeria's first licensed banking App for teenagers. Click to read."
  },
  {
    "url": "https://wemabank.com/shares",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Offer Period: 14th April 2025 to 21st May 2025\n\nOwn a Bigger Piece of Wema’s Success, increase your ownership and deepen your connection with Wema Bank.\n\nBe part of our bold expansion journey as we grow across markets and deliver even greater value to shareholders.\n\nPosition yourself for steady returns and future dividend payouts by increasing your shareholding today.\n\nYour investment plays a vital role in driving innovation and setting the pace for Wema Bank’s future achievements\n\nA Rights Issue is an invitation from a company to its existing shareholders to purchase specific additional shares issued to them in proportion to the number of shares held in the company. It is a capital raising exercise through which a company offers its existing shareholders the right to buy additional shares usually at a discounted price to the market price.\n\nJoin the community of savvy investors who are increasing their stake in Wema Bank. By purchasing additional shares, you’re not only taking an active role in our growth story but also positioning yourself to benefit from long-term returns and dividends. Harness the momentum of our industry-leading digital banking services and be a part of the future of Nigerian finance. Let’s build success together\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nGrow Your Investment with Wema BankWe are offering you an exclusive opportunity to increase your stake in Wema Bank! Subscribe to our Rights Issue— 14,286,785,417 Ordinary Shares of 50 kobo each at N10.45 Per Share.Buy more shares\n\nWhy Invest More?Why Buy More Shares?Strengthen your stake in Nigeria’s leading digital bank.Own a Bigger Piece of Wema’s Success, increase your ownership and deepen your connection with Wema Bank.Benefit from our continued growth and expansion.Be part of our bold expansion journey as we grow across markets and deliver even greater value to shareholders.Enjoy long-term returns and dividends.Position yourself for steady returns and future dividend payouts by increasing your shareholding today.Be part of shaping Wema Bank’s future.Your investment plays a vital role in driving innovation and setting the pace for Wema Bank’s future achievements\n\nQuestions people always askFAQ’sWhat is a rights issue?A Rights Issue is an invitation from a company to its existing shareholders to purchase specific additional shares issued to them in proportion to the number of shares held in the company. It is a capital raising exercise through which a company offers its existing shareholders the right to buy additional shares usually at a discounted price to the market price.Who is the issuer?What is Wema Bank’s rights issue?Why is Wema Bank initiating a rights issue?How does a rights issue work?Read more\n\nReady to Grow with UsJoin the community of savvy investors who are increasing their stake in Wema Bank. By purchasing additional shares, you’re not only taking an active role in our growth story but also positioning yourself to benefit from long-term returns and dividends. Harness the momentum of our industry-leading digital banking services and be a part of the future of Nigerian finance. Let’s build success togetherBuy more shares"
  },
  {
    "url": "https://wemabank.com/contact-us",
    "title": "Contact WEMA Bank - Reach Out for Personalized Assistance",
    "meta_description": "Reach out to WEMA Bank for personalized assistance. Contact us for any queries, support, or information you may need. We are here to provide reliable and efficient service in Lagos, Nigeria.",
    "text": "Purple connect (24 hrs contact center)\n\nCHAT WITH US ON WHATSAPP - 09044411010\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nContact UsFirst NameLast NameEmail addressPhone NumberSubjectDepartmentMessageSendHelp Desk+234-803-900-3700+234-01-277-7700-907000PURPLE (07000787753)PURPLECONNECT@WEMABANK.COMCHAT WITH US ON WHATSAPP - 09044411010\n\nHelp Desk+234-803-900-3700+234-01-277-7700-907000PURPLE (07000787753)PURPLECONNECT@WEMABANK.COMCHAT WITH US ON WHATSAPP - 09044411010"
  },
  {
    "url": "https://wemabank.com/about-us",
    "title": "About Wema Bank - Our History, Vision, and Corporate Values",
    "meta_description": "Learn about WEMA Bank's rich history, our vision, mission, and unwavering commitment to corporate values. Join a bank that values integrity, innovation and excellence.",
    "text": "Our Bank is Building The Future\n\nWe are committed to building the future of financial services, embracing technological advancements to redefine banking experiences and propel financial evolution forward.\n\nWema Bank is the pioneer of Africa’s first fully digital bank, ALAT, and one of Nigeria’s most resilient banks. With decades of experience in the business of banking\n\nWema Bank is the pioneer of Africa’s first fully digital bank, ALAT, and one of Nigeria’s most resilient banks. With decades of experience in the business of banking, the Bank has remained innovative in delivering value to its stakeholders. The publicly quoted Nigerian company has successfully built a legacy of trust and resilience that has won it the loyalty of its customers. The Bank is constantly introducing products and services tailored to the needs of its customers at every stage of their lives. It is a proud partner to more than one million individuals, families and businesses across Nigeria, helping them achieve their personal and financial goals.\n\nWhen people ask us what has kept us going for so long, our answer is always the same:To be the dominant digital platform in Africa delivering seamless financial services. We strive to position ourselves as a leader in Africa’s financial services market through digital innovation\n\nIf we were soldiers, this would be the mantra we scream before every battle. It is what we live for:Empowering lives through innovation\n\nWema Bank is the pioneer of Africa’s first fully digital bank, ALAT, and one of Nigeria’s most resilient banks. With decades of experience in the business of banking\n\nWe think of great and exciting ideas to solve problems that our customers care about. We design solutions that inspire joy.\n\nWe use cutting-edge technology, new developments and research-driven ideas to provide accessible solutions.\n\nWe care for and respect one another. We are thoughtful and recognize the differences that exist within each other. We welcome contributions from diverse perspectives and experiences.\n\nWe aim to provide optimum returns to our stakeholders. We provide the best and most rewarding career to our workforce.\n\nWe create a work environment that is conducive and devoid of intimidation. We nurture confidence, creativity and innovation.\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/about-us/management-team/managing-director/",
    "title": "MR. MORUF OSENI, MD/CEO WEMA BANK PLC",
    "meta_description": "Moruf Oseni is currently the Managing Director/CEO of Wema Bank Plc. He joined Wema Bank in June 2012 as an Executive Director. ",
    "text": "Moruf Oseni is the Managing Director and Chief Executive Officer of Wema Bank Plc. He has over 25 years of cognate experience, with more than 16 years at Senior to Executive Management levels.\n\nHe joined Wema Bank in June 2012 as an Executive Director. He has been part of the Bank’s Executive Management team since the transformation program began in 2012 and played a major role in the execution of the turnaround program of the Bank. He was responsible for the launch of ALAT – Nigeria’s 1st Digital Bank that has received multiple local and global accolades.\n\nFollowing six (6) years as an Executive Director, Moruf then served as the Deputy Managing Director for four (4) years, with responsibility for several strategic functions in the bank including – Operations, Information Technology, Treasury, Retail, and Digital. Moruf also served as the Executive Compliance Officer of the Bank. He took over as the substantive MD/CEO of Wema Bank on April 1, 2023.\n\nBefore joining Wema Bank, Moruf was the CEO of MG Ineso Limited, a principal investment and financial advisory firm. Prior to MG Ineso, Moruf was a Vice President at Renaissance Capital, and an Associate at Salomon Brothers/Citigroup Global Markets in London.\n\nMoruf is a member of the Board of Nigeria Inter-Bank Settlement System Plc. (NIBSS). He is also the Chairman of AFRIGO, the National Domestic Card Company (a subsidiary of NIBSS).\n\nMoruf holds an MBA degree from the Institut European d’Administration des Affaires (INSEAD) in France, a master’s in finance (MiF) from the London Business School, and a B.Sc. in Computer Engineering from Obafemi Awolowo University (OAU), Ile-Ife, Nigeria. He is also an alumnus of both the Advanced Management Program (AMP) of the Harvard Business School and King’s College, Lagos. He is a Fellow of the Chartered Institute of Bankers of Nigeria (FCIBN), a member of the Institute of Directors (IoD), and a member of the Nigerian Institute of Management (NIM).\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nMoruf Oseni is the Managing Director and Chief Executive Officer of Wema Bank Plc. He has over 25 years of cognate experience, with more than 16 years at Senior to Executive Management levels.He joined Wema Bank in June 2012 as an Executive Director. He has been part of the Bank’s Executive Management team since the transformation program began in 2012 and played a major role in the execution of the turnaround program of the Bank. He was responsible for the launch of ALAT – Nigeria’s 1st Digital Bank that has received multiple local and global accolades.Following six (6) years as an Executive Director, Moruf then served as the Deputy Managing Director for four (4) years, with responsibility for several strategic functions in the bank including – Operations, Information Technology, Treasury, Retail, and Digital. Moruf also served as the Executive Compliance Officer of the Bank. He took over as the substantive MD/CEO of Wema Bank on April 1, 2023.Before joining Wema Bank, Moruf was the CEO of MG Ineso Limited, a principal investment and financial advisory firm. Prior to MG Ineso, Moruf was a Vice President at Renaissance Capital, and an Associate at Salomon Brothers/Citigroup Global Markets in London.Moruf is a member of the Board of Nigeria Inter-Bank Settlement System Plc. (NIBSS). He is also the Chairman of AFRIGO, the National Domestic Card Company (a subsidiary of NIBSS).Moruf holds an MBA degree from the Institut European d’Administration des Affaires (INSEAD) in France, a master’s in finance (MiF) from the London Business School, and a B.Sc. in Computer Engineering from Obafemi Awolowo University (OAU), Ile-Ife, Nigeria. He is also an alumnus of both the Advanced Management Program (AMP) of the Harvard Business School and King’s College, Lagos. He is a Fellow of the Chartered Institute of Bankers of Nigeria (FCIBN), a member of the Institute of Directors (IoD), and a member of the Nigerian Institute of Management (NIM)."
  },
  {
    "url": "https://wemabank.com/about-us/board-of-directors",
    "title": "WEMA Bank Board of Directors - Leadership Excellence in Banking",
    "meta_description": "Meet the accomplished individuals on WEMA Bank's Board of Directors. Our leadership team is committed to excellence, guiding the bank towards continuous success in Lagos, Nigeria",
    "text": "Leading Visionaries – Shaping The Future with Bold Decisions\n\nMeet the stalwarts behind our financial compass – our Board, not just forward-looking but pioneers and visionaries charting the course for innovation and growth. They steer the course of our bank with unwavering expertise, standing as architects of the future.\n\nIndependent Non-Executive Director\n\nIndependent Non-Executive Director\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/about-us/management-team",
    "title": "WEMA Bank Management Team - Driving Innovation and Growth",
    "meta_description": "Get to know WEMA Bank's dynamic management team. Our team is dedicated to driving innovation and sustainable growth, ensuring a bright future for our banking services in Lagos, Nigeria",
    "text": "Driving Innovation and Growth in Nigeria's Banking Sector\n\nWema Bank's management team is a powerhouse of experience and innovation, driving the bank's transformation into a leading digital banking force in Nigeria.\n\nManaging Director/Chief Executive Officer.\n\nExecutive Director, Digital Bank\n\nExecutive Director, South-West Bank & Specialized Businesses\n\nExecutive Director, Corporate, Treasury, & North Bank\n\nDivisional Head, Remedial Assest Management\n\nDivisional Head, Business Support\n\nDivisional Head, Retail and SME\n\nCompany Secretary/General Counsel\n\nGroup Head, Multinationals & Large Corporates\n\nRegional Manager, Port Harcourt Region\n\nRegional Manager, Abuja 2 Region\n\nRegional Manager, Lagos Mainland Region\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/about-us/our-history/",
    "title": "WEMA Bank History - A Journey of Excellence in Banking",
    "meta_description": "Explore the rich history of WEMA Bank, a journey marked by excellence in banking. Learn about our milestones and contributions to the financial landscape in Nigeria.",
    "text": "Empowering Tomorrow: Unveiling Our Bank's Visionary Path to Innovation and Progress\n\nEstablished on May 2, 1945, originally operating as a private limited liability company under the name Agbonmagbe Bank Limited, our institution traces its roots to the visionary Late Chief Mathew Adekoya Okupe. Commencing operations with branches in Ebute-metta, Sagamu, Abeokuta, and Ijebu-Igbo, the bank flourished under his leadership until it was acquired by the Western Nigeria Marketing Board. Subsequently, in 1969, it was rebranded as Wema Bank Limited.\n\nWema Bank has etched its legacy as Nigeria's longest surviving indigenous bank, obtaining a commercial banking license and launching operations in the same year. The journey continued with the bank's conversion to a public limited liability company in 1987 and its listing on the Nigerian Stock Exchange in 1990 under the symbol WEMABANK. An important milestone was achieved in February 2001 when Wema Bank was granted a Universal Banking License, solidifying its position in the financial landscape. Today, we are proud to uphold a rich history of resilience, growth, and commitment to excellence.\n\nSince our listing on the Nigerian Stock Exchange in 1990 and the subsequent grant of a Universal Banking License by the Central Bank of Nigeria in February 2001, Wema Bank has consistently advanced its standing in the financial sector. In 2009, we attained the status of a regional bank, marking another milestone in our journey. Notably, our commitment to growth was evident in 2015 when we elevated our regional banking license to a national license, meeting the stringent regulatory requirements set by the Central Bank of Nigeria.\n\nThis pivotal moment marked the initiation of a transformative decade for Wema Bank. In the first two years post-upgrade, we engaged in strategic re-evaluation and innovation, aiming to deliver more robust solutions that positively impact the lives of our customers and support their diverse goals. This period laid the foundation for a decade characterized by progressive initiatives and unwavering dedication to service excellence.\n\nThe first and arguably the biggest of these innovative solutions created since becoming a national bank, was the launch of Africa’s first fully digital bank, ALAT, in 2017. Through the game-changing ALAT platform, we redefined banking through a wide array of reliable, seamless and intersectional banking services, all accessible on ALAT; making ALAT a one-stop app for every financial need.\n\nFrom conventional banking services like transfers and recharges to advanced features like shopping discounts, flight bookings, affordable insurance plans, cheap health consultations, and much more, ALAT has raised the standards of banking in Nigeria and created a truly rewarding banking experience for all. Over three million customers have been onboarded on the platform with over 500,000 previously unbanked persons onboarded in the past year.\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/about-us/our-products/",
    "title": "WEMA Bank Products - Personal, Business, and Digital Banking Solutions",
    "meta_description": "WEMA's Banking Palette: A Symphony of Products - Dive into Personal Loans, Business Accounts, Digital Banking, and Credit Cards for a Harmonious Financial Journey.",
    "text": "With Wema Bank, you can access a range of financial solutions\n            tailored to your business needs, including loans, investments,\n            and trade finance. Get the resources you need to grow and expand\n            your reach.\n\nAt Wema Bank, We offer a comprehensive range of personal banking products and services to meet your financial needs.\n\nWe empower businesses with a comprehensive range of financial solutions, including loans, investments, and convenient online banking tools, to help them grow and achieve their goals.\n\nOur expertise in trade finance and global network also enable businesses to expand beyond borders and reach new markets.\n\nUnlock your financial potential with Wema Bank's extensive range of consumer and business loans. Our flexible and personalized loan options support you in achieving your dreams, no matter how big or small. Explore our low-interest rates, flexible terms, and seamless application process.\n\nOur bespoke children's savings account designed to encourage saving and financial prudence from a young age. While providing parents with a convenient and secure way to save for their children's future.\n\nWe offer a comprehensive E-banking platform, ALAT, providing a range of convenient and secure ways to manage your finances 24/7, from anywhere in the world.\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPersonal BankingAt Wema Bank, We offer a comprehensive range of personal banking products and services to meet your financial needs.Get started Business BankingWe empower businesses with a comprehensive range of financial solutions, including loans, investments, and convenient online banking tools, to help them grow and achieve their goals.Get started Corporate BankingOur expertise in trade finance and global network also enable businesses to expand beyond borders and reach new markets.Get started LoansUnlock your financial potential with Wema Bank's extensive range of consumer and business loans. Our flexible and personalized loan options support you in achieving your dreams, no matter how big or small. Explore our low-interest rates, flexible terms, and seamless application process.Get started Royal KiddiesOur bespoke children's savings account designed to encourage saving and financial prudence from a young age. While providing parents with a convenient and secure way to save for their children's future.Get started E-BankingWe offer a comprehensive E-banking platform, ALAT, providing a range of convenient and secure ways to manage your finances 24/7, from anywhere in the world.Get started"
  },
  {
    "url": "https://wemabank.com/careers",
    "title": "Join WEMA Bank - Explore Exciting Career Opportunities",
    "meta_description": "Explore exciting career opportunities at WEMA Bank. Discover our recruitment process, current job openings, and how you can be part of a dynamic team driving excellence in banking in Lagos, Nigeria.",
    "text": "Welcome to our Careers Center, where opportunities meet ambition. Explore a diverse range of career paths, professional growth, and a vibrant work culture.\n\nAs a knight, we embody values like Think Passion, Think Progressive, Think Partnership, Think Plenty, Think Play. We demonstrate courage, skill, and mastery of our profession, loyalty to the bank and a commitment to service.\n\nTogether, we are pro-people and pro-performance, on a collective mission to make a difference every day.We seamlessly blend remote, and in-person work to foster diverse perspectives and drive impactful business outcomes.\n\nWe understand that being an employer of choice goes beyond the regular pay package. It involves listening, training, mentoring, a genuine concern for what people really care about, and acting upon them. In essence, it involves connecting to people’s hearts and desires.\n\nExplore firsthand insights into our vibrant workplace culture, innovative projects, and the unparalleled opportunities for career growth.\n\nEmbark on a rewarding journey with Wema Bank and unlock unparalleled career opportunities. Join a dynamic organization that values innovation, ambition, and a commitment to excellence.\n\nConnect with Wema Bank on social media to stay abreast of cutting-edge developments in the financial services industry.\n\nPurple Academy is designed to help you master your current role through our onboarding programs, open and in-plant courses, immersive learning simulations, team building sessions and other bespoke interventions.\n\nBeing an intern at Wema Bank has been a transformative experience. I have learnt so much, and I have really grown as a person. It has been very life-changing, and I feel very prepared to enter the workforce in the near future\n\nFor over a decade, I've led Central Operations and Trade Services at Wema Bank Plc. With 20+ years in banking, I was named a “Rising Leader in Trade” in 2023 and an outstanding woman in Trade, Treasury, and Payments in 2024, enhancing our global brand.\n\nWorking at Wema Bank has been an incredible journey. I began as a trainee, quickly advanced to product manager, and launched a top product. Wema Bank’s inclusive culture values contributions and rewards hard work. I'm proud we solved real-life community problems.\n\nJoining Wema since 2019. I grew client base, enhanced marketing, & implemented innovative solutions (ALAT, online banking) boosting non-interest income. Led team to build strong customer relationships. Valuable experience fueling professional growth.\n\nWorking with Wema Bank has been an inspiring journey and a true blessing. I take great pride in the meaningful work I produce. The support from my team and my boss has uniquely positioned me for greatness, making every day at Wema Bank a rewarding experience.\n\nWema Bank: Innovation meets compassion. Valued team member. Inspiring camaraderie motivates daily. Dynamic environment, amazing people. Feels like supportive family. Proud to contribute to this visionary institution.\n\nWorking with a trailblazer like Wema Bank is exhilarating. I truly enjoy the work and the people I collaborate with. It's not just about statistics here, but about the people—where everyone matters. I am proud to be a Wema Knight, and it's truly a great place to work.\n\nRelationship Management Officer\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nCareersUnlock Your Career PotentialWelcome to our Careers Center, where opportunities meet ambition. Explore a diverse range of career paths, professional growth, and a vibrant work culture.\n\nWhat it is to Be a Knight!Wema Bank Knights are paragons of bravery and honorAs a knight, we embody values like Think Passion, Think Progressive, Think Partnership, Think Plenty, Think Play. We demonstrate courage, skill, and mastery of our profession, loyalty to the bank and a commitment to service.Together, we are pro-people and pro-performance, on a collective mission to make a difference every day.We seamlessly blend remote, and in-person work to foster diverse perspectives and drive impactful business outcomes.Download Purple Knight Playbook\n\nWhy Join Wema ?Beyond Compensation: Fostering a Culture of Connection and CareWe understand that being an employer of choice goes beyond the regular pay package. It involves listening, training, mentoring, a genuine concern for what people really care about, and acting upon them. In essence, it involves connecting to people’s hearts and desires.Find Out More\n\nOur Recruitment ProcessExplore firsthand insights into our vibrant workplace culture, innovative projects, and the unparalleled opportunities for career growth.Find Out More\n\nCareer OpportunitiesElevate Your Career with Wema BankEmbark on a rewarding journey with Wema Bank and unlock unparalleled career opportunities. Join a dynamic organization that values innovation, ambition, and a commitment to excellence.Find Out More\n\nEngage & ConnectWema Bank: Join the Financial Innovation Journey on Social MediaConnect with Wema Bank on social media to stay abreast of cutting-edge developments in the financial services industry.Connect\n\nPurple AcademyYour journey to excellence starts herePurple Academy is designed to help you master your current role through our onboarding programs, open and in-plant courses, immersive learning simulations, team building sessions and other bespoke interventions.Find Out More"
  },
  {
    "url": "https://wemabank.com/careers/what-we-do/",
    "title": "Why Join Wema Bank",
    "meta_description": "Are you looking at starting a new career? Are you willing to make a career switch from your current organization? Then make Wema Bank your preference!",
    "text": "We understand that being an employer of choice goes beyond the regular pay package. It involves listening, training, mentoring, a genuine concern for what people really care about, and acting upon them. In essence, it involves connecting to people’s hearts and desires.\n\nAre you looking at starting a new career? Are you willing to make a career switch from your current organization? Then make Wema Bank your preference! Wema Bank is one of Nigeria’s most resilient banks with over 75 years in the business of banking, and also the pioneer of the first Africa’s fully digital bank “ALAT”. This resilience & innovative nature of the Bank has won the loyalty of customers and attracted the right talent.\n\nA career at Wema Bank offers you a chance to make an impact in the financial industry. We have roles spanning across our different business segments, Finance, Technology, Human Capital Management, Marketing/ Sales, Customer Experience Management, Enterprise Risk Management, Legal Services etc. If you are interested in becoming a part of our world-class team, please explore the opportunities available and apply.\n\nEmpowering lives through innovation Wema Bank continuously offers newer and better products and services. Giving people greater control over their financial lives and paths\n\nTo be the dominant digital platform in Africa delivering seamless financial services Wema Bank strives to position itself as a leader in Africa's financial services market through digital innovation.\n\nThink PassionThink PartnershipThink ProgressveThink PlentyThink Play\n\nHMOCrecheGymFamily-Friendly BenefitMortgageRewards Scheme\n\nBase PayVariable Pay (PFP, Retention Bonuses, Profit Sharing, Sales Commissions)Long Service Awards and IncentivesAllowances (Out-of-Station, Redeployment)\n\nPeople- Young, Vibrant, Innovative, Performance driven)Diversity, Equity and & Inclusion programsImmersion, Engagement and Retention focused programs – induction, team retreats, behavioral programs, big sister, mens network etcCore Value Alignment- Drive on 5PsTransparent Communication Channels\n\nWork-life Balance (Flexible work arrangements, remote work options, LifeStage and Lifestyle interventions e.g. book club, fitness programs etc)Cross-functional collaboration and projectsEmployee Assistant ProgramsSocial Events (Think Play)Recognition budget and Leaderboards\n\nAccredited Corporate University offering lifelong learning and leadership development programs (local & international)Career Pathing and Advancement Opportunities (Reassignments, promotion pathways, and opportunities for upward mobility)Performance Support - Performance Support – Coaching, Mentoring, BuddyingSuccession Planning & Talent Management InitiativesRobust Performance Management Standards\n\nSocial Responsibility Programmes (Sustainable finance scheme for women in MSME (etc) Employee Volunteer Programmes (Charity work)Innovation and Adaptability (Rumble workshop, Hackaholics etc)Salary for love\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWe understand that being an employer of choice goes beyond the regular pay package. It involves listening, training, mentoring, a genuine concern for what people really care about, and acting upon them. In essence, it involves connecting to people’s hearts and desires.Working with UsAre you looking at starting a new career? Are you willing to make a career switch from your current organization? Then make Wema Bank your preference! Wema Bank is one of Nigeria’s most resilient banks with over 75 years in the business of banking, and also the pioneer of the first Africa’s fully digital bank “ALAT”. This resilience & innovative nature of the Bank has won the loyalty of customers and attracted the right talent.A career at Wema Bank offers you a chance to make an impact in the financial industry. We have roles spanning across our different business segments, Finance, Technology, Human Capital Management, Marketing/ Sales, Customer Experience Management, Enterprise Risk Management, Legal Services etc. If you are interested in becoming a part of our world-class team, please explore the opportunities available and apply.\n\nOur MissionEmpowering lives through innovation Wema Bank continuously offers newer and better products and services. Giving people greater control over their financial lives and pathsOur VisionTo be the dominant digital platform in Africa delivering seamless financial services Wema Bank strives to position itself as a leader in Africa's financial services market through digital innovation.Our ValuesThink PassionThink PartnershipThink ProgressveThink PlentyThink Play\n\nOur Employee Value Proposition.BenefitsHMOCrecheGymFamily-Friendly BenefitMortgageRewards Scheme.CompensationBase PayVariable Pay (PFP, Retention Bonuses, Profit Sharing, Sales Commissions)Long Service Awards and IncentivesAllowances (Out-of-Station, Redeployment).CulturePeople- Young, Vibrant, Innovative, Performance driven)Diversity, Equity and & Inclusion programsImmersion, Engagement and Retention focused programs – induction, team retreats, behavioral programs, big sister, mens network etcCore Value Alignment- Drive on 5PsTransparent Communication Channels.Work EnvironmentWork-life Balance (Flexible work arrangements, remote work options, LifeStage and Lifestyle interventions e.g. book club, fitness programs etc)Cross-functional collaboration and projectsEmployee Assistant ProgramsSocial Events (Think Play)Recognition budget and Leaderboards.CareerAccredited Corporate University offering lifelong learning and leadership development programs (local & international)Career Pathing and Advancement Opportunities (Reassignments, promotion pathways, and opportunities for upward mobility)Performance Support - Performance Support – Coaching, Mentoring, BuddyingSuccession Planning & Talent Management InitiativesRobust Performance Management Standards.SustainabilitySocial Responsibility Programmes (Sustainable finance scheme for women in MSME (etc) Employee Volunteer Programmes (Charity work)Innovation and Adaptability (Rumble workshop, Hackaholics etc)Salary for love"
  },
  {
    "url": "https://wemabank.com/careers/our-recruitment-process/",
    "title": "Our Recruitment Process",
    "meta_description": "ENTRY REQUIREMENTS- Graduate/Trainee Program",
    "text": "ENTRY REQUIREMENTS - Graduate/Trainee Program\n\nQualification: University Degree with a grade not lower than Second Class Upper Division. Professional qualifications and/or certifications proffer added advantage.\n\nCommunication Skills: Advanced competency in oral and written English with the ability to communicate clearly and confidently in a professional work environment.\n\nInterpersonal Skills: Demonstrable and proven interpersonal skills, including the ability to work and interact with people regardless of age, sex, background, religion, race, or origin.\n\nFlexibility: Be adaptable and demonstrate the ability to traverse different assignments and work locations.\n\nAnalytical Skills: Ability to apply strategic thought processes to complex business challenges and to develop innovative, yet practical, solutions.\n\nCommitment & Aspiration: Be committed to the growth and achievement of personal and corporate goals.\n\nAPPLICATION PROCESS – Graduate/Trainee Careers\n\nAll fresh graduates with a minimum of a university degree not below Second Class Upper Division and who have completed the mandatory one-year National Youth Service Corps (NYSC) programme are encouraged to send their applications to job@wemabank.com.\n\nENTRY REQUIREMENTS- Experienced Hires\n\nQualification: University Degree or its equivalent, with a grade not lower than Second Class Division. Professional qualifications and/or certifications proffer added advantage.\n\nCommunication Skills: Advanced competency in oral and written English with the ability to communicate clearly and confidently in a professional work environment.\n\nInterpersonal Skills: Demonstrable and proven interpersonal skills, including the ability to work and interact with people regardless of age, sex, background, religion, race, or origin.\n\nFlexibility: Be adaptable and demonstrate the ability to traverse different assignments and work locations.\n\nAnalytical Skills: Ability to apply strategic thought processes to complex business challenges and to develop innovative, yet practical, solutions.\n\nCommitment & Aspiration: Be committed to the growth and achievement of personal and corporate goals.\n\nAPPLICATION PROCESS – Experienced Hires\n\nInterested applicants should submit their resumes to Human Capital Management at the Bank’s Head Office or through any of our network of branches nationwide. You can also send your resume to job@wemabank.com.\n\nApplicant(s) would be contacted for a preliminary chat if the candidate’s profile matches any available or vacant job position. Subsequently, all qualified candidates will be scheduled for a series of formal interviews, prior to the Bank making a final decision.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nENTRY REQUIREMENTS - Graduate/Trainee ProgramQualification: University Degree with a grade not lower than Second Class Upper Division. Professional qualifications and/or certifications proffer added advantage.Age: Not older than 26 years.Communication Skills: Advanced competency in oral and written English with the ability to communicate clearly and confidently in a professional work environment.Interpersonal Skills: Demonstrable and proven interpersonal skills, including the ability to work and interact with people regardless of age, sex, background, religion, race, or origin.Flexibility: Be adaptable and demonstrate the ability to traverse different assignments and work locations.Analytical Skills: Ability to apply strategic thought processes to complex business challenges and to develop innovative, yet practical, solutions.Commitment & Aspiration: Be committed to the growth and achievement of personal and corporate goals. APPLICATION PROCESS – Graduate/Trainee CareersAll fresh graduates with a minimum of a university degree not below Second Class Upper Division and who have completed the mandatory one-year National Youth Service Corps (NYSC) programme are encouraged to send their applications to job@wemabank.com. ENTRY REQUIREMENTS- Experienced HiresQualification: University Degree or its equivalent, with a grade not lower than Second Class Division. Professional qualifications and/or certifications proffer added advantage.Age: As specified.Communication Skills: Advanced competency in oral and written English with the ability to communicate clearly and confidently in a professional work environment.Interpersonal Skills: Demonstrable and proven interpersonal skills, including the ability to work and interact with people regardless of age, sex, background, religion, race, or origin.Flexibility: Be adaptable and demonstrate the ability to traverse different assignments and work locations.Analytical Skills: Ability to apply strategic thought processes to complex business challenges and to develop innovative, yet practical, solutions.Commitment & Aspiration: Be committed to the growth and achievement of personal and corporate goals.APPLICATION PROCESS – Experienced HiresInterested applicants should submit their resumes to Human Capital Management at the Bank’s Head Office or through any of our network of branches nationwide. You can also send your resume to job@wemabank.com.Applicant(s) would be contacted for a preliminary chat if the candidate’s profile matches any available or vacant job position. Subsequently, all qualified candidates will be scheduled for a series of formal interviews, prior to the Bank making a final decision."
  },
  {
    "url": "https://wemabank.com/careers/opportunities",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Stay connected for news, events, career opportunities and exclusive updates from our people about what it's really like to work with Wema Bank.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/investor-relations-2",
    "title": "Investor Relations at WEMA Bank - Financial Information and Ratings",
    "meta_description": "Explore WEMA Bank's financial information, rating reports, and shareholder details. Stay informed about our performance and investment opportunities.",
    "text": "As a valued stakeholder, this page is your gateway to a\n            comprehensive understanding of our financial performance, strategic\n            initiatives, and corporate governance.\n\nDive into a wealth of information, meticulously curated to provide you with the insights needed to make informed decisions. From financial reports and earnings releases to key performance indicators, we invite you to explore the dynamics that drive our success. At Wema Bank, we prioritize open communication and collaboration with our investors, and this platform serves as a testament to our commitment to fostering a strong and mutually beneficial relationship with you.\n\nOur ratings reports provide in-depth information that helps investors effectively analyze our credit risks, financial condition, and adequate capacity to meet our obligations as and when they fall due.\n\nThese reports provide in-depth information that helps investors effectively analyze our credit risks, financial condition, and adequate capacity to meet our obligations as and when they fall due. Download Investors E-dividend Registration forms and other resources.\n\nView and download the current past detailed reports of our financial performance.\n\nDownload Investors E-dividend Registration forms and other resources.\n\nWe also completed our N40bn Capital raise exercise (results awaiting final verification by regulators). \r\nThis exercise actively positioned us for the new capital licensing requirements of the Central Bank of \r\nNigeria.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/investor-relations3/agm",
    "title": "WEMA Bank Annual General Meeting - AGM",
    "meta_description": "WEMA Bank Annual General Meeting - AGM",
    "text": "The Full 2024 AGM Notice Can Be Read Below.\n\nWe hereby notify all shareholders that the 2024 Annual General Meeting (AGM) will be held to discuss key decisions, reports, and board matters.\n\nCan’t attend the AGM? Appoint a proxy to represent you and vote on your behalf. Your voice and participation remain important, even remotely.\n\nExplore the document for detailed insights into our performance, financials, milestones, and strategic direction as we continue growing and delivering value.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nNoticeNotice of the 2024 AGMWe hereby notify all shareholders that the 2024 Annual General Meeting (AGM) will be held to discuss key decisions, reports, and board matters.DOWNLOAD TO READ MORE Proxy FormAttendance Proxy Form For The 2024 AGMCan’t attend the AGM? Appoint a proxy to represent you and vote on your behalf. Your voice and participation remain important, even remotely.DOWNLOAD TO READ MORE ReportThe 2024 Annual ReportExplore the document for detailed insights into our performance, financials, milestones, and strategic direction as we continue growing and delivering value.DOWNLOAD TO READ MORE"
  },
  {
    "url": "https://wemabank.com/investor-relations3/corporate-governance",
    "title": "WEMA Bank Corporate Governance - Transparency and Accountability",
    "meta_description": "Discover WEMA Bank's commitment to corporate governance, ensuring transparency and accountability in all our operations. Trust us for financial services governed by the highest standards",
    "text": "At Wema Bank Plc, we are committed to the highest standards of Corporate Governance which is one of the important facilitators of the Mission of the Bank which is to create superior returns to its shareholders. The Bank understands and respects its fiduciary role and responsibilities to its shareholders and strives hard to meet the Expectations.\n\nOur governance framework is constantly reviewed to align with new regulatory requirements and international best practice to ensure that it meets highest ethical standards at all times.\n\nIn the year under review, the Bank largely complied with the provisions of the Securities and Exchange Code of Corporate Governance, Revised Central Bank of Nigeria’s Code of Corporate Governance and international best practice.\n\nBeing an institution which places great emphasis on the provision of excellent services to all its customers, the practice of effective and transparent corporate governance ensures that the Bank is managed in a responsible and value driven manner, aimed towards sustaining the confidence of shareholders, employees and stakeholders at large.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nAt Wema Bank Plc, we are committed to the highest standards of Corporate Governance which is one of the important facilitators of the Mission of the Bank which is to create superior returns to its shareholders. The Bank understands and respects its fiduciary role and responsibilities to its shareholders and strives hard to meet the Expectations.Our governance framework is constantly reviewed to align with new regulatory requirements and international best practice to ensure that it meets highest ethical standards at all times.In the year under review, the Bank largely complied with the provisions of the Securities and Exchange Code of Corporate Governance, Revised Central Bank of Nigeria’s Code of Corporate Governance and international best practice.Being an institution which places great emphasis on the provision of excellent services to all its customers, the practice of effective and transparent corporate governance ensures that the Bank is managed in a responsible and value driven manner, aimed towards sustaining the confidence of shareholders, employees and stakeholders at large."
  },
  {
    "url": "https://wemabank.com/investor-relations3/financial-information",
    "title": "WEMA Bank Financial Information - Transparency in Banking",
    "meta_description": "Experience transparency in banking with WEMA Bank's financial information. Access detailed reports, statements, and key financial indicators to understand our robust financial performance in Lagos, Nigeria.",
    "text": "Wema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nFinancial statement 2019Financial statement 2020Financial statement 2021Financial statement 2022Financial statement 2023Financial statement 2024Financial statement 2025"
  },
  {
    "url": "https://wemabank.com/rating-report",
    "title": "WEMA Bank Rating Report - Recognized Excellence in Banking",
    "meta_description": "Explore WEMA Bank's rating report, showcasing our recognized excellence in banking. Learn about our creditworthiness and financial stability as rated by reputable agencies in Lagos, Nigeria",
    "text": "Bank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/investor-relations3/shareholder-information/",
    "title": "WEMA Bank Shareholder Information - Partnership in Growth",
    "meta_description": "Participate in the partnership for growth with WEMA Bank. Access shareholder information, reports, and updates on dividends, ensuring you are informed and involved in our success in Lagos, Nigeria",
    "text": "Wema Bank Rights Issue Acceptance Form\n\nWema Bank Rights Issue Circular\n\nInformation we collect falls into one of two categories: “voluntarily provided” information and “automatically collected” information. “Voluntarily provided” information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions.\n\n“Automatically collected” information refers to any information automatically sent by your devices in the course of accessing our products and services.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nResourcesInformationManagement PolicyNoticeAGM FormsWema Bank Rights Issue Acceptance FormDownload Wema Bank Rights Issue Circular Download\n\nFAQSWhen is Wema Bank's Annual General Meeting (AGM)?When is Wema Bank's financial year end?What is Wema Bank's share capital structure?Where can I find Wema Bank's financial report?What is the basis for the preparation of Wema Bank's financial report?Who is Wema Bank's Independent Auditor?Who do I contact if I have an inquiry regarding my shareholding?Who can I contact regarding Wema Bank's financial reports?\n\nWhen is Wema Bank's Annual General Meeting (AGM)?When is Wema Bank's financial year end?What is Wema Bank's share capital structure?Where can I find Wema Bank's financial report?What is the basis for the preparation of Wema Bank's financial report?Who is Wema Bank's Independent Auditor?Who do I contact if I have an inquiry regarding my shareholding?Who can I contact regarding Wema Bank's financial reports?"
  },
  {
    "url": "https://wemabank.com/events-presentations/",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Access Exclusive Insights into Wema Bank's Performance and Strategy Join Wema Bank for an in-depth exploration of our latest strategies, market outlook, and financial performance. Gain exclusive insights from our leadership team and analysts as we discuss our vision for the future of Nigerian banking.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nanalyst presentation 2016analyst presentation 2017analyst presentation 2018analyst presentation 2019analyst presentation 2020analyst presentation 2021analyst presentation 2022analyst presentation 2023analyst presentation 2024"
  },
  {
    "url": "https://wemabank.com/csr",
    "title": "WEMA Bank Sustainability - Commitment to Social Responsibility",
    "meta_description": "Discover how WEMA Bank is dedicated to sustainability, environmental responsibility, and corporate social investment. Join us in making a positive impact on the world.",
    "text": "At Wema Bank, the journey started with our sustainability vision of developing ‘’Digital Solutions for Societal Impact’’. ALAT, our flagship digital offerings have received a lot of recognition by meeting the financial inclusion needs of the populace including the Sustainable Development Goals.\n\nWe recognize that sustainability is gradually becoming a key driver of innovation, growth and inclusiveness and as a deliberate strategy, we will continue to drive our sustainability initiatives with a focus on promoting responsible business practices, environmental quality, social justice, and creating shared value for our stakeholders.\n\nOur sustainability initiatives are aligned with the Sustainable Development Goals, (SDGs), United Nations Environment Program – Finance Initiative Principles for Responsible Banking (UNEP-FI PRB), United Nations Women Empowerment Principles (UN-WEP) and the Nigerian Sustainable Banking Principles (NSBPs).\n\nExplore the frontier of sustainable banking by downloading our exclusive sustainability journals on the Wema Bank website. Immerse yourself in a treasure trove of insights, articles, and case studies that unravel the intricate layers of sustainable development. These journals not only keep you abreast of the latest trends but also provide expert analyses on environmental, social, and economic sustainability. At Wema Bank, we believe in fostering a deeper understanding of sustainable practices, and these journals serve as a testament to our commitment.\n\nEmployee Engagement & Development\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nSustainability JournalsDownload Our Sustainability JournalsExplore the frontier of sustainable banking by downloading our exclusive sustainability journals on the Wema Bank website. Immerse yourself in a treasure trove of insights, articles, and case studies that unravel the intricate layers of sustainable development. These journals not only keep you abreast of the latest trends but also provide expert analyses on environmental, social, and economic sustainability. At Wema Bank, we believe in fostering a deeper understanding of sustainable practices, and these journals serve as a testament to our commitment."
  },
  {
    "url": "https://wemabank.com/csr/corporate-social-investment/",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "during the business year and we are committed to improving communities in which we operate. Our initiatives are instituted on four pillars; health, education, finance and environment, in achieving the wellbeing of our stakeholders.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/csr/employee-engagement-development/",
    "title": "WEMA Bank Employee Engagement & Development - Nurturing Talent",
    "meta_description": "Discover how WEMA Bank nurtures talent through employee engagement and development. Explore our programs, training, and initiatives aimed at fostering a culture of growth and excellence in Lagos, Nigeria.",
    "text": "We have continued to maintain a diverse, agile, inclusive and engaging workforce who are inspired by our core values and vision. We are dedicated to maintaining a workforce free of violence, harassment, violation of laws, unsafe and disruptive behaviours. The bank offers a competitive remuneration which includes benefits like Health Management Organization (HMO) coverage, pension scheme, work-life balance and grievance mechanisms. We also regularly review our employee retention strategy to help us retain our best staff and encourage them to utilize the various learning platforms (online & offline) for skills and knowledge development. We have continued to enhance our parenthood leave which includes maternity and paternity leave\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWemalympicsDiversity, Equity & InclusionWema Women Network (WWN) Whistleblowing PolicyHuman RightsOccupational Health and SafetyTraining and Capacity Building"
  },
  {
    "url": "https://wemabank.com/csr/environmental-footprint/",
    "title": "WEMA Bank Environmental Footprint - Commitment to Sustainability",
    "meta_description": "Explore WEMA Bank's commitment to sustainability through our environmental footprint. Learn about our eco-friendly initiatives and responsible practices contributing to a greener future in Lagos, Nigeria.",
    "text": "Our environment plays a significant role in shaping our business practices. Ensuring environmental quality is key for us at Wema bank. It is our way of preserving the future and making the environment a suitable place to operate, not just for us but for stakeholders, employees, their children and generations to come. Our business thrives on these ecological resources, hence, as a strategy, we have continued to implement efficient measures to reduce the negative impact of our environmental and social footprint at our business locations.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nCoastal & Community CleanupsWaste ManagementWater EfficiencyEnergy EfficiencyResponsible Lending: Environmental and Social Risk Governance"
  },
  {
    "url": "https://wemabank.com/csr/women-empowerment-programme/",
    "title": "WEMA Bank Partnerships - Collaborating for Success",
    "meta_description": "Collaborate for success with WEMA Bank through our diverse partnerships. Explore how we work with other organizations to bring innovative solutions and enhanced services to our customers in Lagos, Nigeria.",
    "text": "We have developed a systemic thinking approach by adopting a mindset about organizations working together and across sectors; breaking down silos, to advance the global goals and our corporate objectives. We are leveraging these partnerships for effective planning, implementation and execution of our women empowerment initiatives. Our different partnerships for women empowerment as well as sponsorships are explained below.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/csr/governance-and-reporting/",
    "title": "WEMA Bank Governance and Footprint - Ensuring Ethical Practices",
    "meta_description": "Ensure ethical practices with WEMA Bank's governance and footprint. Explore how we adhere to the highest standards of corporate governance, contributing to a culture of transparency and integrity in Lagos, Nigeria.",
    "text": "The Board Nomination and Governance Committee reviews and approves decisions that govern the environmental, social and economic policies within the organization through the Sustainability Committee; while all sustainability initiatives are executed by the Corporate Sustainability and Responsibility Department. In addition, the department is responsible for advising the board and executive management on best sustainability practices and relevant regulatory expectations.\n\nThe Sustainability Committee comprises of members from key departments of the bank who are key stakeholders in driving the sustainability agenda. The committee reviews strategies, activities and policies regarding sustainability and community investments and makes recommendations to the Board.\n\nTo ensure that sustainability is entrenched and fully embedded in our operations, we have nominated champions who understand and drive this cause within various units of the Bank including Human Capital Management, Risk Management, General Administrative Services and Retail Banking Division.\n\nIn compliance with the Nigerian Sustainable Banking Principles (NSBPs), the Bank reports progress made on targets and goals semi-annually to the Central bank of Nigeria. In future, reporting will commence on United Nations Environment Programme – Finance Initiative Principles for Responsible Banking (UNEP-FI PRB) in line with our commitment to the global goals which will be anchored on area of materiality.\n\nWe will continue to ensure that our reporting system is full of integrity, accountability and transparency. We will also continue to clearly communicate, assess and report the impact we have on our stakeholders.\n\nExplore the Sustainability Photo Gallery\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThe Board Nomination and Governance Committee reviews and approves decisions that govern the environmental, social and economic policies within the organization through the Sustainability Committee; while all sustainability initiatives are executed by the Corporate Sustainability and Responsibility Department. In addition, the department is responsible for advising the board and executive management on best sustainability practices and relevant regulatory expectations.The Sustainability Committee comprises of members from key departments of the bank who are key stakeholders in driving the sustainability agenda. The committee reviews strategies, activities and policies regarding sustainability and community investments and makes recommendations to the Board.To ensure that sustainability is entrenched and fully embedded in our operations, we have nominated champions who understand and drive this cause within various units of the Bank including Human Capital Management, Risk Management, General Administrative Services and Retail Banking Division.In compliance with the Nigerian Sustainable Banking Principles (NSBPs), the Bank reports progress made on targets and goals semi-annually to the Central bank of Nigeria. In future, reporting will commence on United Nations Environment Programme – Finance Initiative Principles for Responsible Banking (UNEP-FI PRB) in line with our commitment to the global goals which will be anchored on area of materiality.We will continue to ensure that our reporting system is full of integrity, accountability and transparency. We will also continue to clearly communicate, assess and report the impact we have on our stakeholders.Explore the Sustainability Photo Gallery"
  },
  {
    "url": "https://wemabank.com/csr/sustainability-media-centre/",
    "title": "WEMA Bank Gallery - Capturing Moments of Excellence",
    "meta_description": "Experience moments of excellence with WEMA Bank through our gallery. Explore visuals of events, achievements, and initiatives that define our journey in providing top-notch banking services in Lagos, Nigeria.",
    "text": "Bank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\n2023 Salary for LoveView Photos International Day of Education 2024View Photos 2023 Valentine at WemaView Photos 2024 Valentine at Wema View Photos Massey Children's HomeView Photos 2023 World Malaria DayView Photos 2023 Financial Literacy DayView Photos 2024 Financial Literacy SessionView Photos World Environment Day 2024View Photos \r\nWorld Malaria Day 2024View Photos World Teachers Day 2024View Photos 2024 International Day of the Girl ChildView Photos 2024 International Literacy Day View Photos 2024 Leave No One Behind InitiativeView Photos 2025 Financial Literacy DayView Photos 2025 Financial Literacy Session at UNILAG\r\nView Photos International Women's Day 2024View Photos 2024 Girls in ICT dayView Photos 2025 International Day Of EducationView Photos 2025 Children's Day Commemoration at Meilleur Best Children's School IpajaView Photos 2025 Global Money Week View Photos 2025 Mentorship session at Eko Akete Grammar School, Lagos Island View Photos 2024 Mentorship SessionsView Photos 2024 Salary for LoveView Photos 2024 World Clean Up DayView Photos 2025 World Malaria Day at Sura Primary Health Centre, Lagos island View Photos International Women's Day at Onike Girls Junior High SchoolView Photos 2025 Children's Day at Yandutse College KanoView Photos Financial Literacy at Premiere Academy Abuja View Photos 2025 Girls in ICT Day in collaboration with GenzHr TeamView Photos Salary For Love 2025View Photos"
  },
  {
    "url": "https://wemabank.com/resource-center",
    "title": "WEMA Bank Resource Centre - Downloads, FAQs, and Blogs",
    "meta_description": "Access valuable resources, FAQs, press releases, and insightful blogs at WEMA Bank's Resource Centre. Stay informed and empowered in your financial journey.  ",
    "text": "Welcome to our Resource Center – a treasury of knowledge designed to enrich your financial understanding. Explore expert insights, practical tools, and valuable resources, empowering you to make informed decisions and navigate your financial landscape with confidence.\n\nWelcome to the Resource Centre on Wema bank website, where financial empowerment begins. Dive into a wealth of information and resources designed to enhance your financial knowledge and decision-making. From insightful articles on personal finance, investment tips, and the latest banking trends to interactive tools and calculators, our Resource Centre is your go-to destination for navigating the financial landscape. Empower yourself with the expertise you need to make informed choices and achieve your financial goals. Wema Bank is committed to providing more than just banking services – we're here to guide you on your journey to financial success.\n\nDive into our BVN Resource Center for essential information, guides, and tools to ensure a seamless and protected banking experience with  your Bank Verification Number (BVN)\n\nNavigate the path to financial freedom with our Loan Rate\n              Calculator. Explore our Resource Center for valuable insights,\n              tools, and guidance to make informed decisions and find the\n              perfect loan for your goals.\n\nAccess the forms you need to kickstart your banking journey with ease. Dive into our Resource Center for convenient downloads, ensuring a hassle-free experience as you embark on a seamless relationship with us.\n\nDelve into our comprehensive Banking Website Manual. Unlock the\n              full potential of our online platform with detailed insights,\n              step-by-step guides, and expert tips. Navigate effortlessly and\n              make the most of your digital banking journey with us.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/resource-center/bank-verification-number-bvn/",
    "title": "WEMA Bank BVN Enrollment - Secure and Verify Your Identity",
    "meta_description": "Secure and verify your identity with WEMA Bank's BVN enrollment. Enjoy the confidence of banking with a financial institution that prioritizes the security of your personal information.",
    "text": "Dive into our BVN Resource Center for essential information, guides, and tools to ensure a seamless and protected banking experience with your Bank Verification Number (BVN).\n\nThe increasing compromise on conventional security systems like passwords and PINs has led to a demand for more secure access to sensitive information in the Banking System. To address this, the Central Bank of Nigeria, in collaboration with all banks, launched the Bank Verification Number (BVN) on February 14, 2014.\n\nBVN is a centralized biometric identification system utilizing human characteristics such as fingerprints and signatures for enhanced real-time security. All bank customers in and out of Nigeria are required to register for BVN, providing a unique and verifiable identifier across the entire Nigerian Banking Industry, even for those with accounts in different banks. This initiative aims to strengthen overall security and streamline authentication processes.\n\nThe official USSD code you need to dial to retrieve or check your\n            Bank Verification Number (BVN) on WEMA Bank Nigeria is *565*0#.\n\nTo link your BVN details to your WEMA bank account using USSD\n              code, simply dial *945*BVN# on your phone and press the send\n              button. Another option available to you is by using the BVN\n              linking portal. In case you want to manage your BVN, the USSD code\n              to dial is *945*4#.\n\nLoan Rate Calculators –  Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/resource-center/calculators/",
    "title": "WEMA Bank Loan Calculator - Plan Your Finances with Precision",
    "meta_description": "Plan your finances with precision using WEMA Bank's Loan Calculator. Estimate loan repayments, interest rates, and terms to make informed financial decisions in Lagos, Nigeria.",
    "text": "Navigate the path to financial freedom with our Loan Rate Calculator. Explore our Resource Center for valuable insights, tools, and guidance to make informed decisions and find the perfect loan for your goals.\n\nWhether it's a mortgage, car loan, small business loan, or any other type, our calculators provide valuable insights into your loan terms and rates. Gain a clear understanding of the total cost, interest rates, and monthly payments, empowering you to make informed financial decisions.\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nEmpower Your Financial DecisionsLoan Rate Calculator – Empowering Your Financial ChoicesWhether it's a mortgage, car loan, small business loan, or any other type, our calculators provide valuable insights into your loan terms and rates. Gain a clear understanding of the total cost, interest rates, and monthly payments, empowering you to make informed financial decisions.View MoreResource CentreBank Verification Number – Code To Check Your BVNDownloadsManualsShow More"
  },
  {
    "url": "https://wemabank.com/resource-center/downloads/",
    "title": "WEMA Bank Downloads - Access Valuable Resources and Forms",
    "meta_description": "Access valuable resources and forms in WEMA Bank's downloads section. Find important documents, brochures, and materials to enhance your understanding of our products and services in Lagos, Nigeria.",
    "text": "Access the forms you need to kickstart your banking journey with ease. Dive into our Resource Center for convenient downloads, ensuring a hassle-free experience as you embark on a seamless relationship with us.\n\nDormant Account Reactivation Form\n\nALAT for Business Application Form\n\nRoyal Kiddies Account Opening Form\n\nIndividual Account Opening Form\n\nAccount Add On Form  Individual AND Corporate\n\nIndividual Tax Residency Self-Certification Form\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nFormsaccount openingeBankingcustomer servicefunds transferloan formsother formsAccount Conversion FormDownload Dormant Account Reactivation FormDownload Reference Form CorporateDownload ALAT for Business Application FormDownload Royal Kiddies Account Opening FormDownload Individual Account MandateDownload Individual Account Opening FormDownload Account Add On Form  Individual AND CorporateDownload Individual Tax Residency Self-Certification FormDownload Purple Account Opening FormDownload Corporate Account Opening Form Download"
  },
  {
    "url": "https://wemabank.com/resource-center/manuals/",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Delve into our comprehensive Banking Website Manual. Unlock the full potential of our online platform with detailed insights, step-by-step guides, and expert tips. Navigate effortlessly and make the most of your digital banking journey with us.\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/resource-center/videos",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Bank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nVideosWema Bank Celebrates its 78th Anniversary & ALAT's 6th Anniversary May 2nd, 2023Watch VideoWema Bank's SME Business School in Benin CityWatch VideoWatch this to know how to win Mega Millions!Watch VideoExperience the Combination of Physical and Digital Banking with Wema Bank's PHYGITALWatch Video"
  },
  {
    "url": "https://wemabank.com/faq",
    "title": "WEMA Bank FAQs - Answers to Common Questions About Our Services",
    "meta_description": "Find answers to common questions about WEMA Bank's services in our FAQs section. Get information on account management, transactions, and more to enhance your banking experience in Lagos, Nigeria.",
    "text": "Access the forms you need to kickstart your banking journey with ease. Dive into our Resource Center for convenient downloads, ensuring a hassle-free experience as you embark on a seamless relationship with us.\n\nWatch, Learn, Conquer. Our Resource Center brings you a collection of informative How-to Videos, providing step-by-step guidance on optimizing your banking journey.\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nFAQSALATPREPAID CARDSLOANSSCHOOL FEES ADVANCEDEVICE LOANFRAUDWhat is ALAT?Who can use ALAT?How much does it cost to get ALAT?Which mobile platforms are supported by the ALAT Application?Can I create goals on ALAT?\n\nWhat is ALAT?Who can use ALAT?How much does it cost to get ALAT?Which mobile platforms are supported by the ALAT Application?Can I create goals on ALAT?\n\nFormsSeamless Banking at Your FingertipsAccess the forms you need to kickstart your banking journey with ease. Dive into our Resource Center for convenient downloads, ensuring a hassle-free experience as you embark on a seamless relationship with us.View Forms\n\nHow-to VideosMaster Your Banking ExperienceWatch, Learn, Conquer. Our Resource Center brings you a collection of informative How-to Videos, providing step-by-step guidance on optimizing your banking journey.Watch Videos"
  },
  {
    "url": "https://wemabank.com/resource-center/downloads",
    "title": "WEMA Bank Downloads - Access Valuable Resources and Forms",
    "meta_description": "Access valuable resources and forms in WEMA Bank's downloads section. Find important documents, brochures, and materials to enhance your understanding of our products and services in Lagos, Nigeria.",
    "text": "Access the forms you need to kickstart your banking journey with ease. Dive into our Resource Center for convenient downloads, ensuring a hassle-free experience as you embark on a seamless relationship with us.\n\nDormant Account Reactivation Form\n\nALAT for Business Application Form\n\nRoyal Kiddies Account Opening Form\n\nIndividual Account Opening Form\n\nAccount Add On Form  Individual AND Corporate\n\nIndividual Tax Residency Self-Certification Form\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nFormsaccount openingeBankingcustomer servicefunds transferloan formsother formsAccount Conversion FormDownload Dormant Account Reactivation FormDownload Reference Form CorporateDownload ALAT for Business Application FormDownload Royal Kiddies Account Opening FormDownload Individual Account MandateDownload Individual Account Opening FormDownload Account Add On Form  Individual AND CorporateDownload Individual Tax Residency Self-Certification FormDownload Purple Account Opening FormDownload Corporate Account Opening Form Download"
  },
  {
    "url": "https://wemabank.com/resource-center/manuals",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Delve into our comprehensive Banking Website Manual. Unlock the full potential of our online platform with detailed insights, step-by-step guides, and expert tips. Navigate effortlessly and make the most of your digital banking journey with us.\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/business-continuity",
    "title": "WEMA Bank Business Continuity Policy - Ensuring Uninterrupted Services",
    "meta_description": "Explore WEMA Bank's business continuity policy, ensuring uninterrupted banking services. Trust us for reliable and resilient financial solutions in any situation",
    "text": "Wema Bank Plc., a licensed national financial institution within the Federal Republic of Nigeria, undertakes a wide range of business activities in the retail and commercial banking sector and constantly develops new products and services for the market.\n\nWema Bank has established a Business Continuity Management System to ensure the timely resumption of business operations in the event of an incident and the protection of personnel and the organisation. The scope of the Business Continuity Management System is the Wema Bank Plc: Head Office, Data Centers, DR Site, and alternate site.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nCONTROL DOCUMENT Version: 1.2Wema Bank Plc., a licensed national financial institution within the Federal Republic of Nigeria, undertakes a wide range of business activities in the retail and commercial banking sector and constantly develops new products and services for the market.Wema Bank has established a Business Continuity Management System to ensure the timely resumption of business operations in the event of an incident and the protection of personnel and the organisation. The scope of the Business Continuity Management System is the Wema Bank Plc: Head Office, Data Centers, DR Site, and alternate site.This is achieved by:Understanding the bank’s needs and the necessity for establishing business continuity policies and objectives.Ensuring that this business continuity policy is in accordance with the requirements of ISO 22301 international standard, needs and expectations of interested parties, and legal, regulatory, and statutory requirements.Establishing, implementing, and maintaining a business continuity management system (BCMS), including operating and maintaining processes, capabilities, and response structures to ensure the bank will survive disruptions.Designating the Chief Risk Officer (CRO) as the Management Representative for Business Continuity efforts across the Bank. The Head of Operational Risk Management is responsible and accountable for establishing, maintaining, and disseminating the Bank’s business continuity policy to the rest of the organization and other interested parties (stakeholders).Ensuring that interested parties are made aware of the bank’s Business Continuity Policy using the BCMS Communication and Awareness Plans.Ensuring that the Bank’s Business Continuity Policy (or relevant aspects of the document) is made available to interested parties.Establishing business continuity objectives in support of the business continuity policy.Creating a business continuity plan that contains an emergency response plan/crisis management plan, pandemic response plan, disaster recovery plan, recovery procedures, and restoration plans.Auditing the bank’s business continuity management system, including adherence to its business continuity policy.Ensuring all staff of Wema Bank (and interested parties) adhere strictly to the Bank’s Business Continuity Policy.Reviewing the effectiveness of the bank’s business continuity policy at least annually and after a major change, thus promoting a continual improvement of the bank’s business continuity management system based on qualitative and quantitative measures."
  },
  {
    "url": "https://wemabank.com/personal/cards/card-control/",
    "title": "Card Control",
    "meta_description": "Control the use of your Card.",
    "text": "The Card Control feature allows you to manage/control the usage of your cards across web, POS and ATM touchpoints. You can enable or disable your card at will via the ALAT app.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nControl the use of your Card.The Card Control feature allows you to manage/control the usage of your cards across web, POS and ATM touchpoints. You can enable or disable your card at will via the ALAT app."
  },
  {
    "url": "https://wemabank.com/contact-us/information-security",
    "title": "WEMA Bank Information Security Policy - Safeguarding Your Data",
    "meta_description": "Trust WEMA Bank's robust information security policy. Your data is our priority, and we are committed to providing secure and protected online banking services in Lagos, Nigeria.",
    "text": "At the heart of all we do is ensure that our systems and platforms are highly secure for our customers to enjoy doing business with us. At Wema, we have a dedicated team providing support and educating customers on keeping their accounts secure at every chance.\n\nSafe and secure shopping experiences.\n\nIf you see an offer that's too good to be true it could be fraud. It probably is!\n\nWhat you need to know to stay safe online.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nAt the heart of all we do is ensure that our systems and platforms are highly secure for our customers to enjoy doing business with us. At Wema, we have a dedicated team providing support and educating customers on keeping their accounts secure at every chance.SHOP SAFELY ONLINESafe and secure shopping experiences.Learn more about Card ControlLearn more about Secure Your CardLearn more about Our Security StandardsMONEY MAKING SCAMSIf you see an offer that's too good to be true it could be fraud. It probably is!Investment fraudHow to spot fraudCommon scamsBANK SAFELYHow can you spot a scam?Check our scam alert tipsGuard yourself against fraudAvoiding financial and phishing scamsKeep your cards safeLearn moreKEEP YOUR DETAILS SAFEWhat you need to know to stay safe online.Understand how identity theft worksProtect your devicesProtect your passwordsLearn moreDo you need Help?Contact our Customer CareReach out to our Front deskIs your card lost or stolen?Turn on / Turn off your card with Wema Card ControlLink your BVNUSSD Banking Codes"
  },
  {
    "url": "https://wemabank.com/personal/cards/secure-your-card/",
    "title": "Secure Your Card",
    "meta_description": "Secure Your Card",
    "text": "Our priority is to provide you with a safe, secure, and convenient way to shop online with your Wema Bank Visa Card or MasterCard. Verified by Visa or MasterCard, Secure Code are services that help prevent unauthorized use of your card online. The extra layer of security helps prevent fraudulent purchases at the point of checkout before funds can be removed from your account. Now, you can start shopping online with peace of mind.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nSecure Your CardOur priority is to provide you with a safe, secure, and convenient way to shop online with your Wema Bank Visa Card or MasterCard. Verified by Visa or MasterCard, Secure Code are services that help prevent unauthorized use of your card online. The extra layer of security helps prevent fraudulent purchases at the point of checkout before funds can be removed from your account. Now, you can start shopping online with peace of mind."
  },
  {
    "url": "https://wemabank.com/keep-your-details-safe-online",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Your devices let you chat, shop and bank online. So they store a lot of personal data, like texts, pictures and banking details. Fraudsters use scam calls or messages to try and steal details and money.\n\nBut you can take simple steps to keep your devices safe from scams.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nIdentity TheftWhat to look out for:Odd transactions - Check your bank or credit accounts.Unexpected post - Letters may arrive that you didn‘t expect. Even credit cards that you didn’t apply for.Calls about debt - You could get calls from debt collectors or companies about things you didn’t buy.Your details can be found in many places, so you need to keep them safe. What you can do:Go paper free - Get bank and credit statements online.File or destroy - If you're not paper free then it’s best to file them away or to shred them.Be safe on social media - Be careful what you put on social media. Don’t share any banking or payment details, even to friends.Be wary of strange emails or texts - If you’re not sure who a message is from then don’t reply until you’ve double checked. And don’t reply with your personal details.Cancel lost cards or documents - If you lose a card or an important document then you should cancel it right away.How to protect your devicesYour devices let you chat, shop and bank online. So they store a lot of personal data, like texts, pictures and banking details. Fraudsters use scam calls or messages to try and steal details and money.But you can take simple steps to keep your devices safe from scams.Keep up-to-dateUpdate the operating system (OS) and software on your device as often as you can. The OS runs all of the programs and apps. It also helps to keep it safe from viruses.Using your bank appAfter you use bank online or use any other online account, log off. This can help to stop others from getting into your account.Lock your deviceChoose a PIN or password to lock your device when it’s not in use. This will stop other people from using it.Be Wi-Fi wiseYou should change the password that came with your Wi-Fi router or hub. Choose a strong password that only you know. Don’t let anyone use it without your approval.Only use genuine and secure Wi-Fi when you’re away from home.How to protect your passwordsUse strong passwordsThere are many simple ways that you can stay safe online. Using strong passwords are a good way to start.You can create a strong password by following password guidelines (lower case, upper case, alphanumerics & numbers)Protect your accountsYour first line of defence should be your email account. It can hold a lot of your personal details and be used to get into your other online accounts.If you don’t have one already, pick a new strong password for your email account. Then do the same for all your other accounts, like:Bank account.Social media accounts.Save your passwordsIt’s best to use a different, strong password for each account you have. You can use your browser to help you remember them all.Your browser settings should let you save each password. Browser security is very good, so it’s a safe thing to do and makes it easier to log in.Extra securityIf an account asks you to set security questions, try to avoid using personal details."
  },
  {
    "url": "https://wemabank.com/anti-bribery-and-corruption-policy",
    "title": "WEMA Bank Anti-Bribery Policy - Upholding Integrity in Banking",
    "meta_description": "Discover WEMA Bank's stand against bribery and corruption. Trust us for banking services upheld by uncompromising integrity and ethical conduct.",
    "text": "Wema Bank Plc stands as a stalwart beacon of ethical excellence in the banking and financial services industry, earning a solid reputation for its unwavering commitment to upholding incorruptibly high standards and fostering a culture of integrity in its operations. The bank’s dedication to maintaining pristine ethical conduct is comprehensively articulated in its policy and actively promulgated and reinforced throughout the organisation.\n\nOne of the cornerstones of Wema Bank's ethical framework is the cultivation of a corporate culture that serves as fertile ground for honesty, transparency, and responsible banking practices to thrive, completely discouraging all forms of unethical activity and rewarding ethical behaviour. This culture is actively nurtured through exemplary leadership, mentorship programmes, training sessions, workshops, and sensitisation campaigns that permeate every level of the institution and foster an environment where ethical conduct is not just a set of rules but a way of life.\n\nAt the heart of Wema Bank's commitment to ethical practices is the endorsement and implementation of a robust Anti-Bribery and Corruption policy. This policy serves as a comprehensive guide, delineating the principles and rules that must be strictly adhered to by all employees and stakeholders associated with the bank. The policy not only sets the standards for ethical behaviour but also outlines the consequences for any breaches, underscoring the bank's resolve to enforce its ethical code rigorously.\n\nThe Anti-Bribery and Corruption policy provides a clear roadmap for employees, outlining the expectations and responsibilities associated with maintaining the highest standards of integrity. By establishing such a policy, Wema Bank proactively addresses potential ethical challenges and reinforces its dedication to promoting ethical behavior as a fundamental component of its identity.\n\nFurthermore, Wema Bank recognises that ethical conduct is not a static concept but an evolving one that requires constant vigilance and adaptation to emerging challenges. As such, the bank conducts regular reviews and updates of its ethical framework to ensure that it remains robust and relevant in the dynamic landscape of the financial industry.\n\nThrough a multifaceted approach encompassing awareness programmes, a supportive corporate culture, and a stringent Anti-Bribery and Corruption policy, Wema Bank maintains a wholesome environment where good ethical conduct is customary, thereby setting a commendable standard for ethical practices and positioning the bank as a leader in the banking and financial services industry.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWema Bank Plc stands as a stalwart beacon of ethical excellence in the banking and financial services industry, earning a solid reputation for its unwavering commitment to upholding incorruptibly high standards and fostering a culture of integrity in its operations. The bank’s dedication to maintaining pristine ethical conduct is comprehensively articulated in its policy and actively promulgated and reinforced throughout the organisation.One of the cornerstones of Wema Bank's ethical framework is the cultivation of a corporate culture that serves as fertile ground for honesty, transparency, and responsible banking practices to thrive, completely discouraging all forms of unethical activity and rewarding ethical behaviour. This culture is actively nurtured through exemplary leadership, mentorship programmes, training sessions, workshops, and sensitisation campaigns that permeate every level of the institution and foster an environment where ethical conduct is not just a set of rules but a way of life.At the heart of Wema Bank's commitment to ethical practices is the endorsement and implementation of a robust Anti-Bribery and Corruption policy. This policy serves as a comprehensive guide, delineating the principles and rules that must be strictly adhered to by all employees and stakeholders associated with the bank. The policy not only sets the standards for ethical behaviour but also outlines the consequences for any breaches, underscoring the bank's resolve to enforce its ethical code rigorously.The Anti-Bribery and Corruption policy provides a clear roadmap for employees, outlining the expectations and responsibilities associated with maintaining the highest standards of integrity. By establishing such a policy, Wema Bank proactively addresses potential ethical challenges and reinforces its dedication to promoting ethical behavior as a fundamental component of its identity.Furthermore, Wema Bank recognises that ethical conduct is not a static concept but an evolving one that requires constant vigilance and adaptation to emerging challenges. As such, the bank conducts regular reviews and updates of its ethical framework to ensure that it remains robust and relevant in the dynamic landscape of the financial industry.Through a multifaceted approach encompassing awareness programmes, a supportive corporate culture, and a stringent Anti-Bribery and Corruption policy, Wema Bank maintains a wholesome environment where good ethical conduct is customary, thereby setting a commendable standard for ethical practices and positioning the bank as a leader in the banking and financial services industry."
  },
  {
    "url": "https://wemabank.com/aml-cft-cpf-policy",
    "title": "WEMA Bank AML Policy - Combating Financial Crime Effectively",
    "meta_description": " Learn about WEMA Bank's anti-money laundering, combating the financing of terrorism, and sanctions policy. Join us in combating financial crime for a secure financial environment.",
    "text": "Compliance is “adhering to the requirements of law, industry and organizational codes, principles of good governance and ethical standards”.\n\nThe Compliance and Conduct Department is at the forefront of supporting the compliance goals of the bank by implementing programs that identify potential risks, deter misconduct, and potentially reduce penalties.\n\nThe continued changes in legislation aimed at combating Money Laundering, Terrorist Financing, and proliferations of equipment for mass destruction has placed great emphasis on the formal and structured monitoring of compliance with legal, regulatory, and supervisory requirements.\n\nOur Compliance Risk Framework reflects the following core principles and practices:1. Our responsibilities as employees, our culture, systems, and processes.2. Compliance with the letter and spirit of regulatory standards and ensuring that the standards are embedded in our processes. 3. Visibility and accountability of senior management in ensuring a strong compliance culture.4. Engagement with regulatory bodies and industry to ensure the maintenance of high standards across the Bank.\n\nThe Compliance function reports to the Board Risk & Management Committee and Board Audit Committee through the Executive Compliance Officer (ECO) and the Chief Compliance Officer (CCO) respectively.\n\nThe Compliance Risk Framework utilizes a range of methods, including compliance audit, file reviews, customer surveys and operational risk assessments to measure the effectiveness of our compliance program. The Compliance and Conduct Department is supervised by the Chief Compliance Officer (CCO), who ensures the implementation of the Compliance Risk Management Framework. The team facilitates compliance planning and reporting, specialist advice to business and operational units of the bank as trusted Compliance Advisors. The Department operates a Cluster Compliance structure. Each Cluster/ Compliance Officer implements regulatory initiatives and ensures internal policies are adhered to at the Cluster level.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nCompliance is “adhering to the requirements of law, industry and organizational codes, principles of good governance and ethical standards”.The Compliance and Conduct Department is at the forefront of supporting the compliance goals of the bank by implementing programs that identify potential risks, deter misconduct, and potentially reduce penalties.The continued changes in legislation aimed at combating Money Laundering, Terrorist Financing, and proliferations of equipment for mass destruction has placed great emphasis on the formal and structured monitoring of compliance with legal, regulatory, and supervisory requirements.Our Compliance Risk Framework reflects the following core principles and practices:1. Our responsibilities as employees, our culture, systems, and processes.2. Compliance with the letter and spirit of regulatory standards and ensuring that the standards are embedded in our processes. 3. Visibility and accountability of senior management in ensuring a strong compliance culture.4. Engagement with regulatory bodies and industry to ensure the maintenance of high standards across the Bank. The Compliance function reports to the Board Risk & Management Committee and Board Audit Committee through the Executive Compliance Officer (ECO) and the Chief Compliance Officer (CCO) respectively.The Compliance Risk Framework utilizes a range of methods, including compliance audit, file reviews, customer surveys and operational risk assessments to measure the effectiveness of our compliance program. The Compliance and Conduct Department is supervised by the Chief Compliance Officer (CCO), who ensures the implementation of the Compliance Risk Management Framework. The team facilitates compliance planning and reporting, specialist advice to business and operational units of the bank as trusted Compliance Advisors. The Department operates a Cluster Compliance structure. Each Cluster/ Compliance Officer implements regulatory initiatives and ensures internal policies are adhered to at the Cluster level."
  },
  {
    "url": "https://wemabank.com/data-protection-policy",
    "title": "WEMA Bank Data Protection Policy - Safeguarding Your Privacy",
    "meta_description": "Trust WEMA Bank's commitment to data protection under NDPA. Experience banking services that prioritize the security and confidentiality of your personal information.",
    "text": "As a data subject (recruitment candidate, customer, vendor, or employee) be assured that at WEMA BANK PLC. (hereinafter called “Wema Bank”), we are dedicated to protecting your privacy and providing you with the highest level of security at any point of interaction with us. Hence, we want you to engage with us knowing that we value your Personal Data and that we protect it. This Privacy Policy explains what information we collect, how we collect, share, use, and protect, store, and retain your personal information when you visit or use this site and other services offered by Wema Bank. You are also informed of your rights regarding the information we process and how you can contact us. By continuing to visit our websites (www.wemabank.com, www.alat.ng, & outlet.alat.ng), while using any of our digital or mobile platforms/services, our Mobile Banking App, mobile authentication service when communicating with us through any of our social media or other interactive channels or any other engagement with us (“Services”), you accept and consent to the practices described in this policy.\n\nPersonal information refers to data that could identify a specific individual such as names, addresses, e-mail addresses, and telephone numbers. Depending on your medium of interaction with Wema Bank, we collect various types of information from you, as described below.• Personal/Contact details (name, date of birth, passport information or other identification information phone number, email address, postal address, or mobile number), Biometric information (fingerprints, facial recognition, or voice recognition) or Information about your family and social circumstances (such as dependents, marital status, next of kin and contact details) will be collected on the bank mobile banking applications, social media, calls, SMS or interactions with our relationship management officers during account opening or account update.• Transactional details will be requested when payment is made or when payment-related complaints are made. Also, visual images and personal appearance (such as copies of passports or CCTV images) will be requested for when there is a complaint made against the bank’s application or services rendered.• Medical information (results of urine, blood, and X-ray analysis), Education and employment information will be requested from new staff during the onboarding process.• Financial information (bank account number, debit card numbers, financial history) including information you provide to deliver payment initiation services and account information services regarding accounts you hold with other providers.\n\nWema Bank personnel or any third party acting on its behalf shall only process your personal data if at least one of these conditions are met:• Consent: this refers to any freely given, specific, informed, and unambiguous indication through a statement or a clear affirmative action that signifies your agreement to the processing of your Personal Data by Wema Bank. Wema Bank does not intend to seek consent that may engender direct or indirect propagation of atrocities, hate, criminal acts, and anti-social conducts.• Contract: processing is necessary for the performance of a contract or entering into a contract at your request.• Legal obligation: processing is necessary for compliance with a legal obligation to which Wema Bank is subject.• Vital interest: processing is necessary to protect your vital interests or those of another natural person.• Public interest: processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in Wema Bank.\n\nWema Bank personnel or any third party acting on its behalf shall only process your personal data if at least one of these conditions are met: To the extent permissible under applicable` law, we may use your information for the following legitimate actions:• Providing and operating the products and services you have requested. • For other related purposes which may include updating and enhancing Wema Bank records, understanding your financial needs, conducting credit checks, reviewing credit worthiness, and assisting other financial institutions to conduct credit checks.• Identifying and informing you about other products or services that we think may be tailored to suit your interest.• Reviewing credit or loan eligibility• For crime/fraud prevention and debt collection purposes• To plan, conduct and monitor Wema Bank’s business.• For improving the design and marketing of our range of services and related products for customer use.• Compare information for accuracy and verify it with third parties/publicly available information.• Manage our relationship with you.• To monitor, carry out statistical analysis and benchmarking to identify potential markets and trends, evaluate and improve our business.• Monitor activities at our facilities, including compliance with applicable policies.• To comply with and enforce applicable legal and regulatory requirements, relevant industry standards, contractual obligations, and our policies.\n\nWithout your personal information, we may not be able to provide or continue to provide you with the products or services that you need.\n\nPersonal data collected by Wema Bank may be transferred among its various divisions (with personnel who have business need to know). Other than to those individuals and entities listed below, your details will not be revealed by Wema Bank to any external body unless Wema Bank has your permission or is under either a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:• Other Branches or Companies in the Wema Group (i.e., Wema Bank PLC, its subsidiaries, and affiliates). • Any regulatory, supervisory, governmental, or quasi-governmental authority with jurisdiction over Wema Group members. • Any agent, contractor or third-party service provider, professional adviser, or any other person under a duty of confidentiality to the Wema Group. • Credit reference agencies and, in the event of default, debt collection agencies. • Any actual or potential participant or sub-participant in, assignee, novate or transferee of any of the Wema Group’s rights and/or obligations in relation to you. • Any financial institution with which Wema Bank PLC has or proposes to have dealings.\n\nThe above disclosures may require the transfer of your information to parties located in countries that do not offer the same level of data protection as your home country. However, Wema Bank PLC will ensure that the parties to whom your details are transferred treat your information securely and confidentially by implementing appropriate organizational and technical measures have been implemented to keep your Personal Information/Data confidential and secure. This includes the use of encryption, firewalls physical and environmental access controls, adequate authentication and authorization access controls and other forms of security to ensure that your data is protected.\n\nAny transfer of personal data which are undergoing processing or are intended for processing after transfer to a foreign country or to an international organization shall take place subject to the other provisions of this Regulation and the supervision of the Honorable Attorney General of the Federation (HAGF). Accordingly:a transfer of personal data to a foreign country or an international organization may take place where the Agency has decided that the foreign country, territory or one or more specified sectors within that foreign country, or the international organization in question ensures an adequate level of protection.the HAGF shall take into consideration the legal system of the foreign country particularly in the areas of rule of law, respect for human rights and fundamental freedom, relevant legislation, both general and sectoral, including public security, defense, national security and criminal and access of public authorities to personal data. implementation of such legislation, data protection rules, professional rules, and security measures, including rules for the onward transfer of personal data to another foreign country or international organization which are complied with in that country or international organization, case- law, as well as effective and enforceable Data Subject rights and effective administrative and judicial redress for the Data Subjects whose personal data are being transferred.the existence and effective functioning of one or more independent supervisory authorities in the foreign country or to which an international organization is subject, with responsibility for ensuring and enforcing compliance with the data protection rules, including adequate enforcement powers, for assisting and advising the Data Subjects in exercising their rights and for cooperation with the relevant authorities Nigeria; andthe international commitments of the foreign country or international organization concerned has entered, or other obligations arising from legally binding conventions or instruments as well as from its participation in multilateral or regional systems, in relation to the protection of personal data.\n\nIn the absence of any decision by the Agency or HAGF as to the adequacy of safeguards in a foreign country, a transfer, or a set of transfers of personal data to a foreign country or an international organization shall take place only on one of the following conditions:You have explicitly consented to the proposed transfer, after having been informed of the possible risks of such transfers due to the absence of an adequacy decision and appropriate safeguards and that there are no alternatives.The transfer is necessary for the performance of a contract between you and the Controller, or the implementation of pre- contractual measures taken at your request. The transfer is necessary for the conclusion or performance of a contract concluded in your interest between the Controller and another natural or legal person.The transfer is necessary for important reasons of public interest.the transfer is necessary for the establishment, exercise, or defense of legal claims.The transfer is necessary to protect your vital interests or of other persons, where you are physically or legally incapable of giving consent.\n\nProvided, in all circumstances, that you shall be manifestly made to understand through clear warnings of the specific principle(s) of data protection that are likely to be violated in the event of transfer to a third country. This proviso shall not apply to any instance where the Data Subject is answerable in duly established legal action for any civil or criminal claim in a third country.\n\nWe have implemented appropriate organizational and technical measures (including physical access controls and secure software and operating environments) to keep your Personal Data confidential and secure. Please note, however, that these protections do not apply to information you choose to share in public areas such as third-party social networks. Where we have provided you (or where you have chosen) with a password which grants you access to specific areas on our site, you are responsible for keeping this password confidential. We request that you do not share your pin, password, or other authentication details (e.g., token generated codes) with anyone.\n\nWema Bank will inform relevant authorities and if necessary affected individuals of personal data breach within 72 hours of being aware of the breach, where Personal Breach refers to a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data. This includes breaches that are the result of both accidental and deliberate causes. Remedies shall include but not limited to investigating and reporting to appropriate authorities, recovering personal data, correcting it and/or enhancing controls around it.\n\nWema bank Plc. would like to make sure you are fully aware of all your data protection rights. Every customer is entitled to the following:The right to be informed - To emphasize the need for transparency over the usage of personal data for targeted marketing, we ensure fair processing of information typically through this privacy policy.The rights to access - You have the right to request from Wema Bank for copies of your personal data where those requests are reasonable and permitted by law or regulation. We may charge you a fee for this service.The right to rectification - You have the right to request that Wema bank correct any information you believe is inaccurate. You also have the right to request Wema bank Plc. to complete information you believe is incomplete. The right to restrict processing - You have a right to ‘block’ or withdraw or revoke your consent to our processing of your information, which you can do at any time. When processing is restricted, we are permitted to store personal data, but not further process it.The right to erasure - You have the right to request the deletion or removal of personal data where there is no compelling legal or regulatory requirement for its continued processing. Wema Bank will make sure that this right is protected.The right to data portability - You have the right to request that the bank transfer the data that we have collected to another organization, or directly to you, under certain conditions. We will ensure that personal data is moved, copied, or transferred easily from one IT environment to another in a safe and secure way, without hindrance to usability.The right to refusal - You have the right to refuse the processing of your information if there are compelling legitimate grounds to do so and to the extent permitted by law or regulation. To exercise your right(s), please contact the Data Protection Officer of Wema Bank at dpo@wemabank.com.You also have the right to: Receive your Personal Data in a commonly used and machine-readable format and the right to transmit these data to another Data Controller when the processing is based on (explicit) consent or when the processing is necessary for the performance of a contract. Lodge a complaint with the National IT Development Agency (NITDA) where you believe our processing of your data violates the requirements of the Nigeria Data Protection Regulation 2019 (NDPA).\n\nAs a data subject, you have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning or significantly affects you. We are committed to complying with this right under NDPA\n\nIf we use automated decision-making, we will provide you with clear and concise information about the types of decisions that may be made and the potential impact on you. We will also implement appropriate safeguards to protect your rights and freedoms, such as ensuring that decisions are fair and transparent, and that you have the right to challenge the decision or request human intervention.We may use automated decision-making in the following circumstances:when it is necessary for entering into or performing a contract between you and Wema Bank.when it is authorized by law, subject to appropriate safeguards to safeguard your rights and freedoms; orwhen it is based on your explicit consent.\n\nIf you wish to exercise your right to object to automated decision-making, you can contact our data protection officer or privacy representative. We are committed to ensuring that your rights under NDPA are respected and that you have control over how your personal data is processed.\n\nThe Bank’s Data Analytics team have in-house machine learning models further described below:\n\nThis is a predictive classification model that measures the churn rate of the customers by segmenting these customers into different buckets based on some business rules using selected attributes of the customers as features.\n\nThis model takes one product at a time with respect to similarities between a customer and other customers using their common attributes. These attributes are inputs in building the model for recommending products to similar customers using user-based similarities.\n\nThis Is a predictive linear regression model that focus majorly on the average balance of the customers in conjunction with the demographic and behavioral pattern of transactions of these customers in predicting the profitability of these customers.\n\nThis is a rule-based engine that segments the bank’s customers into different categories based on some business rules. This grouping was done based on Customer Segments (HNI, Affluent & Mass Market), demographic characteristics and customer behavior.\n\nWe take the privacy of your personal data seriously, and we will only retain it for as long as is necessary for the purposes for which it was collected. Once the purpose for which the personal data was collected has been fulfilled, we will destroy the personal data, unless retention is required to comply with legal, regulatory, or accounting requirements or to protect Wema Bank's interests.\n\nWe will provide you with clear and concise information about the retention periods for different types of personal data, and the criteria used to determine these periods. We regularly review our retention policies to ensure that personal data is not retained for longer than necessary.\n\nPlease note that regulations may require the Bank to retain your personal data for a specified period even after the end of your banking relationship with us. However, we will ensure that we comply with the applicable legal and regulatory requirements.\n\nIf you wish to exercise your right to request the deletion of your personal data, you can contact our data protection officer. We will consider your request carefully and will provide you with a clear and concise explanation of any circumstances where your request may be denied.\n\nIt's also important to note that it is your responsibility to maintain the secrecy of any user ID and login password you hold. This will help to ensure that your personal data is kept secure and confidential.\n\nCookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology, to improve your experience while on our websites. We would like to let you know a few things about our cookies: Some cookies are essential to access certain areas of this site.We use analytics cookies to help us understand how you use our site to discover what content is most useful to you.  Wema bank Plc. uses cookies in a range of ways to improve your experience on our website, including:Allow us to recognize the PC you are using when you return to our web site so that we can understand your interest in our web site and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally).Identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (Your browser keeps this type of cookie until you log off or close your browser when these types of cookies are normally deleted. No other information is stored in this type of cookie).• Allow you to carry information across pages of our site and avoid having to re-enter that information. Allow you access to stored information if you register for any of our on-line services.Enable us to produce statistical information (anonymously) which helps us to improve the structure and content of our web site.Enable us to evaluate the effectiveness of our advertising and promotions.\n\nPlease note that by continuing to use our website, you consent to our use of cookies as described above. You can manage your consent to cookies through your web browser settings, which allow you to accept or reject cookies, or to be notified when a cookie is set. Please note that blocking all cookies may limit your ability to access certain features of our website.\n\nCookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored.\n\nFor further information, visit allaboutcookies.org.\n\nYou are responsible for making sure the information provided to the Bank is accurate and should inform the Bank on any changes as it occurs, this will enable us to update your information with us.\n\nWema Bank respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children through the internet or other touchpoints. We do not allow children under the age of 18 to open accounts nor provide online banking for children less than 18 years of age without the consent of a guardian. Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable information.\n\nTo maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorized activities, Wema Bank PLC reserves the right to monitor all electronic communications to make sure that they comply with our legal and regulatory responsibilities and internal policies.\n\nWe operate and communicate through our designated channels, pages, and accounts on some social media sites to inform, help and engage with our customers. We monitor and record comments and posts made about us on these channels so that we can improve our services. The public can access and read any information posted on these sites. Please note that any content you post to such social media platforms is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review the information carefully to better understand your rights and obligations regarding such content.\n\nIn providing your telephone, facsimile number, postal and e-mail address, or similar details, you agree that Wema Bank PLC may contact you by these methods to keep you informed about Wema Bank products and services or for any other reason. If you prefer not to be kept informed of Wema Bank products and services, please contact Wema Bank PLC by E-mail (purpleconnect@wemabank.com) or through any of our branches.\n\nOur website, related websites and mobile applications may have links to or from other websites. Although we try to link only to websites that also have high privacy standards, we are not responsible for their security, privacy practices or content. We recommend that you always read the privacy and security statements on these websites.\n\nWema Bank reserves the right to amend its prevailing Data Protection and Privacy Statement at any time and will place any such amendments on our websites (www.wemabank.com, www.alat.ng, & outlet.alat.ng). The latest version of our privacy statement will replace all earlier versions unless it says differently. Please check back frequently to see any updates or changes to our Notice. This policy is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on Wema Bank PLC in respect of any other party or on behalf of any party.\n\nIf you have any questions, concerns, or comments about our privacy policy, you may contact our Data Protection Officer. Kindly address your request to “The Data Protection Officer” at 54, Marina Road, Marina, Lagos State, Nigeria or via email (dpo@wemabank.com)\n\nIf you have any further questions or comments about us or our policies, please do not hesitate to contact us.\n\nEmail us at: purpleconnect@wemabank.com\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/fraud-management-policy",
    "title": "WEMA Bank Fraud Management Policy - Protecting Your Finances",
    "meta_description": "Explore WEMA Bank's robust fraud management policy. Rest easy knowing that your finances are protected with our proactive measures against fraudulent activities.",
    "text": "Wema Bank PLC is committed to the highest possible standards of transparency and accountability in all her business. The Bank is determined to maintain a culture of honesty and opposition to fraud and corruption\n\nThe Bank will not tolerate fraud, theft or dishonesty. AII reported incidents, including internal fraud will be thoroughly investigated with the utmost objectivity and confidentiality. The Bank will take firm and vigorous actions against any individual or group who has committed a fraud. Such action may involve disciplinary action, civil and/or criminal legal proceedings. Disciplinary proceedings may result in the dismissal of an employee. The bank will maintain an effective fraud control environment to ensure fraud prevention and detection.\n\nThe Wema Bank Fraud Management Policy outlined employees’ expected behavior, how to report a suspected fraud, the role of various departments/business units within the Bank‹ and the Bank’s commitment to increasing employees' awareness, training and recording of possible fraud.\n\nThe Fraud Management Policy should be read in conjunction with Anti-bribery and Corruption Policy, Enterprise Risk Management Policy, Operational Risk Management Policy. Human Capital Management Policy and Whistle Blowing Policy of the Bank.\n\nThis policy applies to any fraud, irregularity, or suspected irregularity involving employees as well as shareholders, consultants, vendors, contractors and/or any other parties with a business relationship with Wema Bank PLC including outsider who had committed fraud on Wema Bank PLC\n\nAny investigative activity required will be conducted without regard to The suspected wrong doer‘s length of service, position/title or relationship with the Bank.\n\nThe Chief Audit Executive, Chief Compliance Officer. Chief Information Security Officer and Chief Risk Officer are responsible for the administration, revision, interpretation, and application of rhi3 policy, The Po1icy will be reviewed biennially and revised on need-to-do basis.\n\nWema Bank PLC does not condone fraudulent behavior. This policy covers guidelines and responsibilities regarding appropriate actions that must be followed to increase the awareness of the prevention and the investigation of fraud. The fundamental purpose of this policy is to ensure that each business within Wema Bank PLC has the element in place that are necessary to prevent and detect fraud that can originate internally and externally.\n\nThe underlying threat of fraud is a cost of doing business within the financial services industry Individuals and organized crime groups have historically targeted financial institutions to obtain account information and funds by exploiting vulnerabilities through a variety of fraud schemes.\n\nFraud occurs from two sources, internal and external with occasions of collusion. This policy applies to any fraud, irregularity or suspected Irregularity, involving employees and/or any other parties in a business relation5hlp with Wema Bank PLC. Regardless of the fraud scheme, financial institutions fate a significant problem and challenge in managing the fraud threat as well as applying resources needed to counter the threat.\n\nThe Bank is committed Fa protecting her revenue, expenditure and assets or those of its customers from any attempt by members of the public, contractors, agents, intermediaries or its own employees to gain financial or other benefits by deceit or dishonest conduct.\n\nThe result of not addressing fraud risk at a consistent and effective level is financial loss, lo3s of reputation and trust within the marketplace, as well as potentially violating Specific regulatory controls.\n\nThe policy is designed to protect public money and assets and to protect the integrity, security and reputation of the Bank, her employees and the services it provides to the general public. The future, health and reputation of Wema Bank Plc are dependent. in part, on how well it manages the threat of fraud. The usage of this policy is in conjunction with Information Security Policy, Whistle Blowing Policy and Human Capital Management Policy of the Bank.\n\nThe objective of the policy is to establish a common understanding of:• what fraud is• how to prevent fraud• actions the bank employees and other stakeholders should take if they suspect fraudulent activity.\n\nFraud is dishonestly obtaining a benefit, or causing a loss, by deception or other means. The term ’fraud‘ refers to an intentional act by one or more individuals involving be use of deception to obtain an unjust or illegal advantage. The key element of fraud Is dishonesty.\n\nFraud can be operational or electronic. For the purposes of this Policy, ‘Fraud‘ includes attempted fraud and consists of but is not limited to the following:\n\nAsset misappropriation - Cash• Theft of cash/suppression• Theft of funds through electronic banking\n\nAsset misappropriation - Non-cashUnlawful use of, ar unlawful obtaining of plant, equipment, goods or services• Theft of intellectual property* Disclosing confidential information to outside parties without authority for personal gain\n\nAsset misappropriation - Others• False claim for workers compensation• False claim for accidents or other claims\n\nAsset misappropriation - Fraudulent disbursements• Falsifying expense claims or expense padding• Corporate credit card misuse• False invoicing• Payroll falsification • Forgery or alteration of any document\n\nCorruption• Overcharging for goods and services • Recording Credits for goods and services provided and refunding for personal benefit• Secret commissions (kickback received by employees) and not in line with policy• Acceptance of goods and services as inducement to giving work to any supplier/Vendor• Collusive bidding• Insider trading\n\nFraudulent statements• False accounting • Material and deliberate misstatement of accounting information• intentional statements of incorrect or misleading employment history/education qualifications • Providing fal5e or misleading information or failing to provide information when there is an obligation to do so• Causing a loss, or avoiding and/or creating a liability\n\nElectronic Fraud: This includes Fraud perpetrated via ATM, POS, Web, USSD/SMS and Internet banking platforms.\n\nA system of internal control has been implemented to prevent fraud from occurring. Key fraud prevention controls include:• Upholding the standards of behavior detailed within the HCM PoI1cy Manual- The Manual provides a set of guiding principles to help our people make decisions in their day to day work to ensure that they maintain high ethical standards• Compliance with the law and Wema Bank Plc.’s polices and procedures, Wema Bank PLC has designed systems and processes that comply with the law and provides relevant policies and training to help our people achieve this.• Wema Bank PLC Risk management process. Wema Bank PLC has adopted the Enterprise and Operational Risk management process as part of normal business practices. To prevent fraud from occurring, the Bank identifies and evaluates internal and external fraud threats and implements preventative controls that mitigate or minimize significant fraud risks.• Fraud Vulnerably Assessment. At regular intervals, Wema Bank PLC undertakes an organization-wide risk assessment of its operational and strategic fraud risks which provides clarity and understanding around the full spectrum of fraud risks,• Background check on staff from Central Bank of Nigeria and Law Enforcement Agency before confirmation of their employment• Confirmation of Certificates presented by the new employee to the Bank before confirmation of employment• Managers and Supervisors employ sound fraud risk management practices within all activities for which they are responsible and ensure the effective operations of the following preventive controls:• Adequate separation of duties (more than one employee is Involved in key tasks)• proper authorization procedures transactions must be recommended and• physical security over the bank’s assets and• independent monitoring and checking of data and documentation (checks and balances).• Administrative Controls formalize standards, rules, procedures and control discipline to ensure that the organization’s general and application controls are properly governed, executed and enforced. These are enshrined in frameworks. Wema bank use3 the Control Objectives for Information and Related Technology version 5 (COBIT 5) framework for Information systems control governance• Application Input Controls. These controls check data for accuracy and completeness when they log into the system. There are specific input controls for input authorization, data conversion, data editing and error handling• Application Processing Controls. These controls establish that data are complete and accurate during processing and updating.• Application Output Controls. These controls ensure that the results of computer processing are accurate, complete, and properly distributed.• Network Controls. These are controls such as Firewalls which help prevent unauthorized access to the banks' corporate network.• Data Security Controls ensure critical business data are not subjected to unauthorized access, change Dr destruction while they are in use or In storage.• Ensuring complexity of passwords used by staff to access the Bank’s network and other Applications• Disabling or staff access ro the Bank's network during vacation or leave of absence.• Network segmentation to prevent unauthorized access• Review of system logs to identify anomaly and to guard against such once discovered.\n\n• Adequate separation of duties (more than one employee is Involved in key tasks)\n\n• proper authorization procedures transactions must be recommended and\n\n• physical security over the bank’s assets and\n\n• independent monitoring and checking of data and documentation (checks and balances).\n\nA system of internal control has been implemented to detect fraud as soon as possible after it has occurred. Key fraud detection controls include:• Inappropriate approval and authorization processes. • independent reconciliations• physical checks /stock-taking• Providing fal5e or misleading information or failing to provide information when there is an obligation to do so• whistle blowing• analysis of management accounting reports• Network Intrusion detection solution For detecting unauthorized access to the bank’s corporate network• File Integrity monitoring Solution for detecting Unauthorized changes to critical system configuration files.• Database Activity Monitoring Solution for detecting unauthorized activities at the back-end or database level\n\nSecurity Information and Event Management (SIEM) which performs real-time analysis of security alert5 and audit logs generated by application and servers to detect unauthorized activities\n\nOn a regular basis, Internal Audit Department will perform forensic data analysis, unannounced audit‹ end a rolling program of audits focusing on the effectiveness of fraud prevention and detection controls.\n\nInvestigationAn investigation of fraudulent activity or irregularity will be undertaken by appropriately qualified personnel in the Internal Audit Department depending on the matter and the content of the disclosure.\n\nThe aim of the investigation of the fraudulent activity is to Substantiate or refute the claims, identify the root cause of an event, make recommendations to management on ways to prevent re-occurrence and appropriate sanction of any erring employee.\n\nThere are some times where a customer has complained of fraud on his/her account and there is exigency to refund a complainant before the conclusion of the investigation, Chief Audit Executive will obtain an exceptional approval from Management to refund the ‹complainant pending the conclusion of the investigation. This will usually be done where preliminary review has shown that the affected customer is not involved in the conformed fraud.\n\nUpon the approval, ir the complainant is genuinely due for the refund, the appropriate General Ledger (Fraud & Forgery) account will be debited and affected customer'S account will be credited.\n\nIf a staff benefited from the fraud, the fraudulent staff will be arrested after interrogation for possible recovery and/or prosecution. Chief Audit Executive will file and process the claim from the insurers through the Brokers of the Bank on Fidelity Insurance Policy after submitting the Internal investigation report and documents evidencing the fraud,\n\nInsurance company will appoint a Loss Adjuster who will review the case and conduct an investigation to confirm if the amount claimed Is due for Indemnity or otherwise Where the fraud is due to control lapses, a penal charge is applied and the balance thereof less Policy excess charge is advised Fa the Bank via Discharge Voucher which will be executed by the representative of the Bank.\n\nWhere the fraud is committed by a third party against the bank or her customer, the address of the third party who benefitted from the proceeds of fraud will be obtained from his/her Bank via a Baskets Order through the instrumentality of the Pa\\ice. The Police will thereafter visit the address to apprehend the suspect for interrogation, recovery, and prosecution by NIBSS if he/she is a customer of the bank, otherwise, his/her BVN Shall be Watch Listed by NIBSS through the request of be Chief Audit Executive of his/her Bank.\n\nIn respective of the individual involved in the fraud, Head, Security Desk in Internal Audit Department will follow up with the Police and the Court to ensure judgement is delivered on the case at a Court of competent jurisdiction.\n\nStaff who had been discovered to be involved in the fraud and/or negligent in the course of duty which had allowed the fraud will be summoned to face the panel of Disciplinary Committee of the Bank to explain his/her role on the incident. The Committee is headed by one of the Executive Directors or its Designate with the Chief Human Resources Officer, Chief Audit Executive, Chief Compliance Officer and Plead, Operations as members of the Committee while Heads of Unions and other relevant officers of the Bank are observers. The decision of the Disciplinary Committee will be presented to the Executive Committee for ratification before it becomes binding on the staff.\n\nThe Bank usually dismiss the staff who has been established to be involved in a fraud from her employment, The bank will notify the Secretary, Banking Supervision, Central Bank of Nigeria and Executive Director, Operations. Nigeria Deposit Insurance Corporation of the termination of the staff during the monthly returns in compliance with the Bankers’ Committee decision of J41 ’ December, 1982 and the provisions of sections 39 and 40 of NDIC Decree No. 22 of 1988 to avert recycling of such staff In the financial industry.\n\nWhere the individual involved is a staff, upon judgement, the decision of the Court is circularized to all staff of he Bank to sensitize them of the incident and to serve as a deterrent to other staff who might want to be involved in such an act.\n\nEach business Unit will implement and maintain a fraud management program that meets the minimum requirements as defined in th1s document. These requirements are consistent With Wema Bank‘s Operational Risk policy.\n\nFor the fraud prevention and controls to be effective, the responsibility far ownership of the policy must not be one staff member or a group of staff members, it must include all levels of management and staff.\n\nThe Managing Director, Director and Managers have responsibility to act as a good role model. All employees and contractors are to act ethically and not tolerate or condone unethical practices or fraud.\n\nEmployees are to take reasonable and appropriate action to:• Prevent unethical practice or fraud in the business.• Deal with any concern or information in relation to where fraud arises• Report any reasonable Suspicions that might have occurred an any of the following areas• Official misconduct (Including fraud and corruption)• Maladministration• Negligent management• Danger to public health or safety, or environment• Danger to person with a disability• An offence involving substantial danger to the environment • Reprisal against those who make a report• Maintain appropriate confidentiality in relation to the suspected fraud and report to the appropriate officers• When suspecting fraudulent activity, employees should also be mindful of the procedures for reporting Improper conduct and the principles of natural justice.• Fraudulent activity may be reported in accordance with the Whistle blowers Policy of the Bank,\n\n• Official misconduct (Including fraud and corruption)\n\n• Danger to public health or safety, or environment\n\n• Danger to person with a disability\n\n• An offence involving substantial danger to the environment\n\n• Reprisal against those who make a report\n\nInitially, employees with suspicions, concerns or information about matters thai could be considered fraud are advised to• Observe what is occurring and make written notes, If appropriate• Carefully consider the information that they have and ask themselves if there are reasonable grounds to form an honest belief thar the information tends to show the conduct or danger• If reasonable grounds exist, promptly report the information ro an appropriate officer• Ensure that only chose who need to know are informed• Not a1ert people who may possibly be involved• Ensure that any notes and other evidence is handled carefully and kept secure\n\nA suspected fraud may be reported at any time orally, either by telephone Dr in person, or in writing. People making a report may remain anonymous, however it is better to provide contact details in case of a need for clarification. This gives credibility and will assist investigators to check findings and will assist with a prompt and successful investigation.\n\nEmployees may report a fraud to any of the following:• Managing Director/CEO• Legal Adviser/Company Secretary• Chief Risk Officer• Chief Human Resources Officer• Chief Compliance Officer• Chief Audit Executive• Chief Finance Officer• Chief information Security Officer• Freud Desk Unit via e-mail• Supervisor/Manager\n\nWhen this is not appropriate or you wish to remain anonymous, matters may be reported through the bank's whistle blower platform an the Wema Bank website.\n\nDisclosures can be made in any of the following ways:• By clicking on the \"blow a whistle’ link hosted on the Bank's website Dr sent directly to whistle-blowing@wemabank.com• Telephone calls to any of the following hotlines:• MD/CEO's Hotline +234-1-271-1234• Chief Audit Executive's Hotline +234-1-2179439/0B094214819• Legal Adviser/Company Secretary's Hotline +234-1-2711221/OB088155S12 • Chief Human Resource Officer’s Hotline +234-1-4622634/08025015 05 • Chief Compliance Officer's Hotline +234-1-4622494/O8O22230169• Chief information Security Officer• Chief Information Security Officer’s Hotline +234-1-2778643/07082202063 • Head, Investigation's Hotline +234-1-4622364/08033448971• Purple Connects Hotline+234-1-700-2255-2528/ 08039003700\n\nWhere a serious allegation has been made that could result in reprisals against the Discloser, the recipient of the information must treat the disclosure confidentially.\n\nWe rake any failure to comply with this Policy very seriously. In certain circumstances, a breach of this Policy could be referred to an appropriate authority for investigation. Several consequences could flow from a breach, including termination of employment or contract and prosecution\n\nTo help her employees to comply with this Policy, the bank will:• train her employees about this Policy, the Fraud Prevention Procedure and employee's obligations under relevant legislation, codes and guidelines; maintain a Fraud Prevention Procedure to set out the way in which fraud risk will be managed at Wema Bank PLC; and• provide adequate resources to manage and investigate breaches of this Policy.\n\nAudit CommitteeThe committees’ specify responsibilities in relation to fraud are as follow: To help her employees to comply with this Policy, the bank will:• Review whether management has in place a current and comprehensive risk management framework and associated procedures for effective identification and management of business and financial risks, including fraud.• Review whether management has taken steps to embed a culture which is committed to ethical and lawful behavior.• The Audit Committee is to be advised of the outcomes of the investigation into any fraud or suspected fraud by Internal Audit.\n\nThe Enterprise Risk Management (ERM) is responsible for the development, implementation and monitoring of the Bank’s Risk Management Strategy and action plan.\n\nInternal Auditors• The risk of fraud can be through an effective and efficient internal control programs• The Internal Auditor’s role Is to ensure that internal control programs put in place by the Management of the Bank are being adhered to and where there is any variance, she should present their findings and recommendations to the Chairman, Board Audit Committee and the Managing Director. The report of their findings Is equally made available to Chief Compliance Officer who will delegate her staff to ensure all exception raised are closed.\n\nEmployee AwarenessIt is important that employees are aware of the Fraud Risk Management Policy and in particular the expectation to act ethically and not to tolerate or condone unethical practice or fraud. The Fraud Risk Management Policy is available on the intranet of the Bank.• Staff is made aware that the policy has been reviewed.• Staff should be notified by HCM of the revised policy so that they will not claim ignorance of the policy and be appropriately guided:• Human Capital Management will ensure that information supporting a culture of fraud awareness is available to directors, managers, coordinators and staff, including:• Culture of disclosure• Need for clear accountabilities and processes• Adherence to internal Controls, including management and audit review• Taking leave and rotation of responsibilities• New employees are informed of the Fraud Risk Management Policy and the Bank's expectations as part of the induction process\n\n• Need for clear accountabilities and processes\n\n• Adherence to internal Controls, including management and audit review\n\n• Taking leave and rotation of responsibilities\n\n• New employees are informed of the Fraud Risk Management Policy and the Bank's expectations as part of the induction process\n\nThe Executive Directors of the different Business Regions will ensure that employees with an exposure to functions where there exists a particular risk of fraud will regularly receive on-the- job training.\n\nThese include but are not limited to staff with management responsibilities, staff with purchasing responsibilities, staff with exposure to cash handling and those in risk asset creation roles\n\nThe Fraud management Policy should be integrated with the existing fraud management structures Compliance & Conduct, Internal Audit and ERM available in the Bank.\n\nWema Bank PLC Fraud Management Policy Is effective immediately it is approved. Each Business Unit will have to review the policy and submit a request for approval of temporary exceptions where additional time is required for transiting the business into Compliance. These requests are to be Submitted to the Chief Audit Executive, Chief Compliance Officer, Chief Information Security Officer and the Chief Risk Officer and must include an action plan and timetable for compliance.\n\nThe Policy — any deviation from the standards set forth In this policy requires the approval of the Chairman, Statutory Audit Committee, Managing Director/CEO, Chief Audit Executive, Chief Compliance Officer, Chief Information Security Officer and the Chief Risk Officer.\n\nBusiness Specific Policy - Deviations to business specific fraud policies requires the approval of the Executives, Chief Risk Officer, Chief Compliance Officer, Chief Information Security Officer and Chief Audit Executive.\n\nFrauds involving staff; be it outsourced or full-time employee, are being insured with our insurance companies through our Brokers: Glanvill Enthoven Insurance Brokers & Pensions Consultants Ltd and Pro Risk Insurance Broken. A minimum of 80% of the unrecovered amount from the staff and others is recoverable from the insurance companies.\n\nOn the discovery of the fraud and approval of the investigation report by Management, the fraud amount i5 debited into the Fraud & Forgery account of the domiciled branch of the customer and the affected customer is appropriately refunded.\n\nWhere it is a fraud amount that is not recoverable and it is caused by an external party, we debit the Fraud & Forgery expense of the domiciled branch after the approval pl the report by Management and credit the affected Customer. We will then report the third party to the Law Enforcement Agency for possible recovery and prosecution of 1e third party.\n\nHowever, be it fraud committed by staff or external parties, the fraud balances are being treated according to the CBN Prudential guidelines on provision and Credit subsequent recoveries to\n\nEach Business Unit is required to implement a fraud Management Program. at a minimum, the program must contain the following elements:\n\nA critical element of a successful fraud risk management program is the establishment of an appropriate organization. The Chief compliance Officer will appoint a Compliance Officer who will be in a branch/SBU to ensure that all controls put in place are effective and efficient The CAE will also detail Auditors who will visit branches/SBUs periodically to verify that all controls put in place are being adhered to.\n\nIn addition ta an appropriate organization, a second critical element is the creation of an appropriate business-specific fraud policy tailored to the type of fraud risks faced by the business. The CAE and other Head, of Control functions are responsible for the establishment and maintenance of business-specific fraud policy. Additionally, the CAE is responsible for ensuring compliance with both business-level fraud policies and the Wema Bank Fraud Policy. Lastly, the EAE will ensure that procedures are developed to meet the objectives of the business and corporate policies,\n\nThe Risk and Control-Self Assessment (RCSA) standards included in the Wema Bank Operational Risk Policy are intended to cover all risks in all business units. Businesses that comply with the Wema Bank Operational Risk Policy and have a Risk and Control self-assessment process in place can use that process. to satisfy the requirements herein, provided they have specifically covered Fraud Risk In their reviews.The CAE and other Head of Control Functions will ensure a review of each product Is performed, including new products. They must ensure routine assessment and record keeping of fraud vulnerabilities, fraud controls, and audit trails. They should work with the Business Unit to address identified fraud vulnerabilities and ensure appropriate controls are included in their product policy.A list of “Key Risk\" inflators are to be developed for each product. Key Risk indicator5 are to be used In the development or enhancement of fraud prevention/detection toots associated with each product. These indicators/fraud management controls Can be documented within the technical requirements of a new product or process or within the detail of a test brief.There must be a review and appropriate approval of the functional specifications of all new automated systems that will be u5ed to deliver the Business Units products and services. This review should ensure that adequate audit traits and fraud detection features are included in the design of the system.There must be periodic tests (as appropriate) of all existing automated Systems that are used to deliver the Business Unit products and services. Assessment will con3isŁ of running test scenarios, based upon known fraud schemes and methods against the controls of the 5y3tem to determine the strength of preventive and detective controls. Test results will be documented and used to recommend improvements to identified deficiencies. For example, analysis of Losses and the resulting inadequacies of controls could serve as appropriate tests.The CAE, CCO, CISO and CRO will conduct a quarterly self-assessment (or on a frequency that is appropriate for the specific business) of the Fraud Policy and program implementation through Internal Auditors and compliance officers. Documented findings are to be reported to the Chair Man Board Audit CommitteeThere should be a program of appropriate pre-employment screening in place for permanent, temporary staff, consultants, Outsourcing staff, etc., Where legally permissible, the Human Capital Management should review law enforcement records, conduct fin8er print verification, address verification (KYC), drug testing and credit agency verification, review Central Bank closed-account lists, review prior employment and personal data verification of the new employees.In addition, the CAE, CFO, CISO and CRO must ensure that the Bu5ines5 Unit is in compliance which the Wema Bank Human Capital Management Policy.\n\nThe Chief Audit Executive (CAE) is responsible far ensuring a business-specific fraud awareness training program are offered to appropriate employee5 on a scheduled basis (for example, twice a year). The training schedule can also be part of operational risk management training curriculum or any specialized training at the bank's training school,\n\nSuggested topics include, depending upon employee responsibilities:• General Financial fraud topics• Examples of significant fraud cases• Root Causes and red flags• Fraud types by product• Understanding and analyzing fraud in MIS reports• Fraud prevention control (systems and technology)• Specific securely procedures for high-risk operational positions\n\nEmployee AwarenessIt is important that employees are aware of the Fraud Risk Management Policy and in particular the expectation to act ethically and not to tolerate or condone unethical practice or fraud. The Fraud Risk Management Policy is available on the intranet of the Bank.• Staff is made aware that the policy has been reviewed.• Staff should be notified by HCM of the revised policy so that they will not claim ignorance of the policy and be appropriately guided:• Human Capital Management will ensure that information supporting a culture of fraud awareness is available to directors, managers, coordinators and staff, including:• Culture of disclosure• Need for clear accountabilities and processes• Adherence to internal Controls, including management and audit review• Taking leave and rotation of responsibilities• New employees are informed of the Fraud Risk Management Policy and the Bank's expectations as part of the induction process\n\n• Need for clear accountabilities and processes\n\n• Adherence to internal Controls, including management and audit review\n\n• Taking leave and rotation of responsibilities\n\n• New employees are informed of the Fraud Risk Management Policy and the Bank's expectations as part of the induction process\n\nThe Executive Directors of the different Business Regions will ensure that employees with an exposure to functions where there exists a particular risk of fraud will regularly receive on-the- job training.\n\nThese include but are not limited to staff with management responsibilities, staff with purchasing responsibilities, staff with exposure to cash handling and those in risk asset creation roles\n\nThe Chief Compliance Officer, Chief Audit Executive, Chief Information Security Officer and Chief Risk Officer are responsible for the administration, revision, interpretation and application of this policy The Policy will be reviewed biennially and revised an need-to-do basis.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/privacy-policy/",
    "title": "Privacy Policy",
    "meta_description": "Your Personal Information",
    "text": "As a data subject (recruitment candidate, customer, vendor, or employee) be assured that at WEMA BANK PLC. (hereinafter called “Wema Bank”), we are dedicated to protecting your privacy and providing you with the highest level of security at any point of interaction with us. Hence, we want you to engage with us knowing that we value your Personal Data and that we protect it. This Privacy Policy explains what information we collect, how we collect, share, use, and protect, store, and retain your personal information when you visit or use this site and other services offered by Wema Bank. You are also informed of your rights regarding the information we process and how you can contact us. By continuing to visit our websites (www.wemabank.com, www.alat.ng, & outlet.alat.ng), while using any of our digital or mobile platforms/services, our Mobile Banking App, mobile authentication service when communicating with us through any of our social media or other interactive channels or any other engagement with us (“Services”), you accept and consent to the practices described in this policy.\n\n2.    PERSONAL INFORMATION COLLECTED AND COLLECTION METHODS\n\nPersonal information refers to data that could identify a specific individual such as names, addresses, e-mail addresses, and telephone numbers.\n\nDepending on your medium of interaction with Wema Bank, we collect various types of information from you, as described below.\n\n•      Personal/Contact details (name, date of birth, passport information or other identification information phone number, email address, postal address, or mobile number), Biometric information (fingerprints, facial recognition, or voice recognition) or Information about your family and social circumstances (such as dependents, marital status, next of kin and contact details) will be collected on the bank mobile banking applications, social media, calls, SMS or interactions with our relationship management officers during account opening or account update.\n\n•      Transactional details will be requested when payment is made or when payment-related complaints are made. Also, visual images and personal appearance (such as copies of passports or CCTV images) will be requested when there is a complaint made against the bank’s application or services rendered.\n\n•      Medical information (results of urine, blood, and X-ray analysis), Education and employment information will be requested from new staff during the onboarding process.\n\n•      Financial information (bank account number, debit card numbers, financial history) including information you provide to deliver payment initiation services and account information services regarding accounts you hold with other providers.\n\n3.    CONDITION FOR PROCESSING PERSONAL DATA\n\nWema Bank personnel or any third party acting on its behalf shall only process your personal data if at least one of these conditions are met:\n\n•      Consent: this refers to any freely given, specific, informed, and unambiguous indication through a statement or a clear affirmative action that signifies your agreement to the processing of your Personal Data by Wema Bank. Wema Bank does not intend to seek consent that may endanger the direct or indirect propagation of atrocities, hate, criminal acts, and anti-social conduct.\n\n•      Contract: processing is necessary for the performance of a contract or entering into a contract at your request.\n\n•      Legal obligation: processing is necessary for compliance with a legal obligation to which Wema Bank is subject.\n\n•      Vital interest: processing is necessary to protect your vital interests or those of another natural person.\n\n•      Public interest: Processing is necessary for the performance of a task carried out in the public interest or the exercise of official authority vested in Wema Bank.\n\n4.    HOW WE USE YOUR PERSONAL DATA\n\nTo the extent permissible under applicable law, we may use your information for the following legitimate actions:\n\n•      Providing and operating the products and services you have requested.\n\n•      For other related purposes, which may include updating and enhancing Wema Bank records, understanding your financial needs, conducting credit checks, reviewing credit worthiness, and assisting other financial institutions in conducting credit checks.\n\n•      Identifying and informing you about other products or services that we think may be tailored to suit your interest.\n\n•      Reviewing credit or loan eligibility\n\n•      For crime/fraud prevention and debt collection purposes\n\n•      To plan, conduct, and monitor Wema Bank’s business.\n\n•      For improving the design and marketing of our range of services and related products for customer use.\n\n•      Compare information for accuracy and verify it with third parties/publicly available information.\n\n•      Manage our relationship with you.\n\n•      To monitor, carry out statistical analysis and benchmarking to identify potential markets and trends, evaluate and improve our business.\n\n•      Monitor activities at our facilities, including compliance with applicable policies.\n\n•      To comply with and enforce applicable legal and regulatory requirements, relevant industry standards, contractual obligations, and our policies.\n\nWithout your personal information, we may not be able to provide or continue to provide you with the products or services that you need.\n\n5.    TRANSFER OF PERSONAL DATA\n\nPersonal data collected by Wema Bank may be transferred among its various divisions (with personnel who have business need to know). Other than those individuals and entities listed below, your details will not be revealed by Wema Bank to any external body unless Wema Bank has your permission or is under either a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:\n\nThe above disclosures may require the transfer of your information to parties located in countries that do not offer the same level of data protection as your home country. However, Wema Bank PLC will ensure that the parties to whom your details are transferred treat your information securely and confidentially by implementing appropriate organizational and technical measures have been implemented to keep your Personal Information/Data confidential and secure. This includes the use of encryption, firewalls physical and environmental access controls, adequate authentication and authorization access controls, and other forms of security to ensure that your data is protected.\n\n6.    TRANSFER TO A FOREIGN COUNTRY\n\nAny transfer of personal data which are undergoing processing or intended for processing after transfer to a foreign country or an international organization shall take place subject to the other provisions of this Regulation and the supervision of the Honorable Attorney General of the Federation (HAGF). Accordingly:\n\n1.    A transfer of personal data to a foreign country or an international organization may take place where the Agency has decided that the foreign country, territory, or one or more specified sectors within that foreign country, or the international organization in question ensures an adequate level of protection.\n\n2.    The HAGF shall take into consideration the legal system of the foreign country particularly in the areas of rule of law, respect for human rights and fundamental freedom, relevant legislation, both general and sectoral, including public security, defense, national security, and criminal and access of public authorities to personal data.\n\n3.    implementation of such legislation, data protection rules, professional rules, and security measures, including rules for the onward transfer of personal data to another foreign country or international organization which are complied with in that country or international organization, case- law, as well as effective and enforceable Data Subject rights and effective administrative and judicial redress for the Data Subjects whose personal data are being transferred.\n\n4.    the existence and effective functioning of one or more independent supervisory authorities in the foreign country or to which an international organization is subject, with responsibility for ensuring and enforcing compliance with the data protection rules, including adequate enforcement powers, for assisting and advising the Data Subjects in exercising their rights and for cooperation with the relevant authorities Nigeria; and\n\n5.    the international commitments of the foreign country or international organization concerned has entered, or other obligations arising from legally binding conventions or instruments as well as from its participation in multilateral or regional systems, in relation to the protection of personal data.\n\n6.1 EXCEPTIONS IN RESPECT OF TRANSFER TO A FOREIGN COUNTRY\n\nIn the absence of any decision by the Agency or HAGF as to the adequacy of safeguards in a foreign country, transfer, or a set of transfers of personal data to a foreign country or an international organization, shall take place only on one of the following conditions:\n\n1.    You have explicitly consented to the proposed transfer, after having been informed of the possible risks of such transfers due to the absence of an adequacy decision and appropriate safeguards and that there are no alternatives.\n\n2.    The transfer is necessary for the performance of a contract between you and the Controller, or the implementation of pre-contractual measures taken at your request.\n\n3.    The transfer is necessary for the conclusion or performance of a contract concluded in your interest between the Controller and another natural or legal person.\n\n4.    The transfer is necessary for important reasons of public interest.\n\n5.    The transfer is necessary for the establishment, exercise, or defense of legal claims.\n\n6.    Transportation is necessary to protect your vital interests or of other people, to where you are physically or legally incapable of giving consent.\n\nProvided, in all circumstances, that you shall be manifestly made to understand through clear warnings of the specific principle(s) of data protection that are likely to be violated in the event of transfer to a third country. This proviso shall not apply to any instance where the Data Subject is answerable in duly established legal action for any civil or criminal claim in a third country.\n\n7.    HOW WE ENSURE PROTECTION OF YOUR PERSONAL DATA\n\nWe have implemented appropriate organizational and technical measures (including physical access controls and secure software and operating environments) to keep your Personal Data confidential and secure. Please note, however, that these protections do not apply to information you choose to share in public areas such as third-party social networks. Where we have provided you (or where you have chosen) with a password that grants you access to specific areas on our site, you are responsible for keeping this password confidential. We request that you do not share your PIN, password, or other authentication details (e.g., token-generated codes) with anyone.\n\n8.    PERSONAL DATA BREACH NOTIFICATION\n\nWema Bank will inform relevant authorities and if necessary affected individuals of personal data breach within 72 hours of being aware of the breach, where Personal Breach refers to a breach of security leading to accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data. This includes breaches that are the result of both accidental and deliberate causes. Remedies shall include but not be limited to investigating and reporting to appropriate authorities, recovering personal data, correcting it, and/or enhancing controls around it.\n\nWema Bank Plc. would like to make sure you are fully aware of all your data protection rights. Every customer is entitled to the following:\n\n·      The right to be informed - To emphasize the need for transparency over the usage of personal data for targeted marketing, we ensure fair processing of information typically through this privacy policy.\n\n·      The rights to access - You have the right to request from Wema Bank copies of your personal data where those requests are reasonable and permitted by law or regulation. We may charge you a fee for this service.\n\n·      The right to rectification - You have the right to request that Wema Bank correct any information you believe is inaccurate. You also have the right to request Wema Bank Plc. to complete information you believe is incomplete.\n\n·      The right to restrict processing - You have a right to ‘block’ or withdraw or revoke your consent to our processing of your information, which you can do at any time. When processing is restricted, we are permitted to store personal data, but not further process it.\n\n·      The right to erasure - You have the right to request the deletion or removal of personal data where there is no compelling legal or regulatory requirement for its continued processing. Wema Bank will make sure that this right is protected.\n\n·      The right to data portability - You have the right to request that the bank transfer the data that we have collected to another organization, or directly to you, under certain conditions. We will ensure that personal data is moved, copied, or transferred easily from one IT environment to another safely and securely, without hindrance to usability.\n\n·      The right to refusal - You have the right to refuse the processing of your information if there are compelling legitimate grounds to do so and to the extent permitted by law or regulation.\n\nTo exercise your right(s), please contact the Data Protection Officer of Wema Bank at dpo@wemabank.com.\n\n•      Receive your Personal Data in a commonly used and machine-readable format and the right to transmit these data to another Data Controller when the processing is based on (explicit) consent or when the processing is necessary for the performance of a contract.\n\n•      Lodge a complaint with the National IT Development Agency (NITDA) where you believe our processing of your data violates the requirements of the Nigeria Data Protection Regulation 2023 (NDPA).\n\n10. AUTOMATED PROCESSING INCLUDING PROFILING\n\nAs a data subject, you have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning or significantly affects you. We are committed to complying with this right under NDPA.\n\nIf we use automated decision-making, we will provide you with clear and concise information about the types of decisions that may be made and the potential impact on you. We will also implement appropriate safeguards to protect your rights and freedoms, such as ensuring that decisions are fair and transparent, and that you have the right to challenge the decision or request human intervention.\n\nWe may use automated decision-making in the following circumstances:\n\na) when it is necessary for entering into or performing a contract between you and Wema Bank.\n\nb) when it is authorized by law, subject to appropriate safeguards to safeguard your rights and freedoms; or\n\nc) when it is based on your explicit consent.\n\nIf you wish to exercise your right to object to automated decision-making, you can contact our data protection officer or privacy representative. We are committed to ensuring that your rights under NDPA are respected and that you have control over how your personal data is processed.\n\n11. PERSONAL DATA RETENTION PERIOD\n\nWe take the privacy of your personal data seriously, and we will only retain it for as long as is necessary for the purposes for which it was collected. Once the purpose for which the personal data was collected has been fulfilled, we will destroy the personal data, unless retention is required to comply with legal, regulatory, or accounting requirements or to protect Wema Bank's interests.\n\nWe will provide you with clear and concise information about the retention periods for different types of personal data, and the criteria used to determine these periods. We regularly review our retention policies to ensure that personal data is not retained for longer than necessary.\n\nPlease note that regulations may require the Bank to retain your personal data for a specified period even after the end of your banking relationship with us. However, we will ensure that we comply with the applicable legal and regulatory requirements.\n\nIf you wish to exercise your right to request the deletion of your personal data, you can contact our data protection officer. We will consider your request carefully and will provide you with a clear and concise explanation of any circumstances where your request may be denied.\n\nIt's also important to note that it is your responsibility to maintain the secrecy of any user ID and login password you hold. This will help to ensure that your personal data is kept secure and confidential.\n\nCookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology, to improve your experience while on our websites. We would like to let you know a few things about our cookies:\n\nWema Bank Plc. uses cookies in a range of ways to improve your experience on our website, including:\n\n·      Allow us to recognize the PC you are using when you return to our website so that we can understand your interest in our website and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally).\n\n·      Identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (Your browser keeps this type of cookie until you log off or close your browser when these types of cookies are normally deleted. No other information is stored in this type of cookie).\n\n·      Allow you to carry information across pages of our site and avoid having to re-enter that information.\n\n·      Allow you access to stored information if you register for any of our online services.\n\n·      Enable us to produce statistical information (anonymously) which helps us to improve the structure and content of our web site.\n\n·      Enable us to evaluate the effectiveness of our advertising and promotions.\n\nPlease note that by continuing to use our website, you consent to our use of cookies as described above. You can manage your consent to cookies through your web browser settings, which allow you to accept or reject cookies, or to be notified when a cookie is set. Please note that blocking all cookies may limit your ability to access certain features of our website.\n\nCookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored.\n\nFor further information, visit allaboutcookies.org.\n\n13. MAINTAINING ACCURATE INFORMATION\n\nYou are responsible for making sure the information provided to the Bank is accurate and should inform the Bank of any changes as it occurs, this will enable us to update your information with us.\n\nWema Bank respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children through the Internet or other touchpoints. We do not allow children under the age of 18 to open accounts nor provide online banking for children less than 18 years of age without the consent of a guardian. Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable information.\n\nTo maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, prevent and detect crime or unauthorized activities, Wema Bank PLC reserves the right to monitor all electronic communications to make sure that they comply with our legal and regulatory responsibilities and internal policies.\n\nWe operate and communicate through our designated channels, pages, and accounts on some social media sites to inform, help, and engage with our customers. We monitor and record comments and posts made about us on these channels so that we can improve our services. The public can access and read any information posted on these sites. Please note that any content you post to such social media platforms is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review the information carefully to better understand your rights and obligations regarding such content.\n\nIn providing your telephone, facsimile number, postal and e-mail address, or similar details, you agree that Wema Bank PLC may contact you by these methods to keep you informed about Wema Bank products and services or for any other reason. If you prefer not to be kept informed of Wema Bank products and services, please contact Wema Bank PLC by E-mail (purpleconnect@wemabank.com) or through any of our branches.\n\nOur website, related websites, and mobile applications may have links to or from other websites. Although we try to link only to websites that also have high privacy standards, we are not responsible for their security, privacy practices, or content. We recommend that you always read the privacy and security statements on these websites."
  },
  {
    "url": "https://wemabank.com/risk-management-policy",
    "title": "WEMA Bank Risk Management Policy - Ensuring Financial Security",
    "meta_description": "Explore WEMA Bank's comprehensive risk management policy,  safeguarding the security and stability of your financial transactions. Entrust us with the guardianship of your financial well-being.",
    "text": "The Bank’s Risk Management Framework is set up on a distinct organizational structure and established policies to guide in the process of identifying, analyzing, managing, and monitoring the various risks inherent in the business as well as setting appropriate risk limits and controls to align the risks with the strategic objectives.\n\nThe Bank’s activities and processes involve the identification, measurement, evaluation, acceptance and management of risk or combinations of risks. The Board, advised by the various Board and Management Risk Committees, requires and encourages a strong risk governance culture which shapes the Bank’s attitude to risk.\n\nThe governance structure supporting our risk cycle is designed to deliver the right information, at the right time, to the right people. The Bank adopts a holistic view of in the assessment and management all major risks. Wema remains vigilant regarding both known and emerging risks and ensure that we are strong enough to withstand any exogenous shocks. Our board risk committees play a critical role in providing oversight of risk management and ensuring that our risk appetite, risk culture and risk profile are consistent with and support our strategy to deliver long-term and sustainable growth.\n\nThe Board, either directly or acting through its committees sets the risk appetite of the Bank. The Board sets this risk appetite taking into cognizance our strategic objectives and the risks that the organization is willing to assume in pursuing these objectives. At all points, the Board is acutely aware of the fact that while risk appetites and tolerance levels are set individually for various risks, there is a strong correlation among several risks and often these risks reinforce each other. Our policies and processes are aligned with our risk management strategy and established risk appetite.\n\nOur employees are encouraged to monitor, assess, report, and actively manage risks within their operational spheres. Comprehensive risk registers are maintained, and an annual review is undertaken of all business units and processes through the Risk and Control Self-Assessment exercise (RCSA). A culture of personal accountability and integrity is encouraged throughout the organization and employees are encouraged to report observed wrongdoings anonymously through dedicated whistleblowing channels. Regular training in all aspects of our risk culture helps to reinforce expected behavior.\n\nRisks are identified and documented through the Bank’s risk map process which sets out the Bank’s risk profile concerning key risk categories in its component business units. Identified risks are regularly assessed through the bank’s risk appetite framework, stress testing process, and in terms of emerging risks. Using the Basel II Pillar 1 framework, our Credit, Operational, and Market risks are regularly measured and monitored. Other Pillar 2 risks are measured and provided for through our Internal Capital Adequacy Assessment Process (ICAAP).\n\nThe management of risk is evolving and necessitates a regular review of the effectiveness of each enterprise risk management component. It is in light of this that the Bank’s ERM Framework is subject to continuous review to ensure effective and cutting-edge risk management. The review is done in the following ways:\n\nThrough continuous self-evaluation and monitoring by the risk management and compliance functions in conjunction with internal audit; And independent evaluation by external auditors, examiners, and consultants.\n\nWema Bank runs an automated approach to managing, communicating, and implementing enterprise risk management policies and procedures across the Bank. This provides an integrated and dynamic platform for documenting and analyzing risks, developing mitigation plans, defining controls, and managing continuous risk assessments. It provides clear visibility on key risk indicators, assessment results, and compliance initiatives. We believe that understanding and managing our risks and continuously improving our controls are central to the delivery of our strategic objectives.\n\nWe use robust and appropriate scenario stress testing to assess the potential impact on the Group’s capital adequacy and strategic plans. Our stress testing and scenario analysis programme is central to the monitoring of strategic and potential risks. It highlights the vulnerabilities.\n\nThe Bank has exposure to the following risks from financial instruments:• Credit risk• Liquidity risk• Market risk• Operational risk\n\nThe Bank’s corporate vision, mission and objectives remain the fulcrum around which the risk management strategies revolve, these include:• Definition of strategic objectives.• Proactive portfolio planning.• Proactive control over money and capital market activities.• Proactive account planning.• Conduct a consistent portfolio review.• Regular conduct of macro-economic review.• Institution of robust IT – driven operational process; and• Definition of risk and return preferences.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/sanction-policy-statement",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Wema Bank is obliged to comply with Sanctions Laws (\"Sanctions\"). Any breach of Sanctions may have a serious impact on our reputation, franchise, regulatory relationships and could impair the Bank’s ability to provide timely services to our customers.\n\nThe Bank relies on the conduct of our customers to comply with Sanctions and hereby requires that customers confirm and will ensure that;(i) they and their businesses (including subsidiaries and sister companies) are not targets or subject of Sanctions.(ii) no product, service or transaction involving Wema Bank will be utilized for the benefit of any person or business that is a target or subject of Sanctions or in any manner that would result the customer of their businesses or the Bank to be in breach of any applicable Sanctions or becoming a target or subject of Sanctions.(iii) We reserve the right to not provide any product or service or process any transaction where such may be or cause us to breach the Wema Bank’s Sanctions policy.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWema Bank is obliged to comply with Sanctions Laws (\"Sanctions\"). Any breach of Sanctions may have a serious impact on our reputation, franchise, regulatory relationships and could impair the Bank’s ability to provide timely services to our customers.The Bank relies on the conduct of our customers to comply with Sanctions and hereby requires that customers confirm and will ensure that;(i) they and their businesses (including subsidiaries and sister companies) are not targets or subject of Sanctions.(ii) no product, service or transaction involving Wema Bank will be utilized for the benefit of any person or business that is a target or subject of Sanctions or in any manner that would result the customer of their businesses or the Bank to be in breach of any applicable Sanctions or becoming a target or subject of Sanctions.(iii) We reserve the right to not provide any product or service or process any transaction where such may be or cause us to breach the Wema Bank’s Sanctions policy."
  },
  {
    "url": "https://wemabank.com/privacy-policy/service-management-policy",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Wema Bank Plc is a commercial and retail banking organization within the Federal Republic of Nigeria. Wema Bank has put in place an IT Service Management System to ensure adequate delivery of managed services, measure service levels, and assess the service performance of various partners (internal and external) of the organization. The scope of the IT Service Management System includes Wema Bank’s internal personnel operating and managing the ISO 20000:2018 Management System Standard as well as other key stakeholders who have a role in the SMS, including employees of Wema Bank IT Department, and external parties who have a role in the SMS.\n\n“Wema Bank IT Department is committed to ensuring the delivery of quality services to its customers (internal & external) across all platforms and touch points with respect to the Service Level Agreement. This responsibility will be operated and maintained by continual improvement of our people, process, and technology.”\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWema Bank Plc is a commercial and retail banking organization within the Federal Republic of Nigeria. Wema Bank has put in place an IT Service Management System to ensure adequate delivery of managed services, measure service levels, and assess the service performance of various partners (internal and external) of the organization. The scope of the IT Service Management System includes Wema Bank’s internal personnel operating and managing the ISO 20000:2018 Management System Standard as well as other key stakeholders who have a role in the SMS, including employees of Wema Bank IT Department, and external parties who have a role in the SMS.“Wema Bank IT Department is committed to ensuring the delivery of quality services to its customers (internal & external) across all platforms and touch points with respect to the Service Level Agreement. This responsibility will be operated and maintained by continual improvement of our people, process, and technology.”This is achieved by:Understanding the bank’s needs and the necessity for establishing Service Management policies and objectives.Ensuring that this Service Management policy is in accordance with the requirements of ISO 20000 international standard, needs, and expectations of interested parties, and legal, regulatory, and statutory requirements.Establishing, implementing, and maintaining service management objectives including operating and maintaining processes, capabilities, and structures for evaluating performance and continual improvement of the system.Designating the Chief Information Officer (CIO) as the Management Representative for Service Management efforts across the Bank. The Head, Enterprise Service Management, is responsible and accountable for establishing, maintaining, and disseminating the Bank’s Service Management policy to the rest of the organization and other interested parties (stakeholders).Ensuring that interested parties are made aware of the bank’s Service Management Policy using the ITSM Communication and Awareness Plans.Ensuring that the Bank’s Service Management Policy (or relevant aspects of the document) is made available to interested parties.Establishing Service Management objectives in support of the Service Management policy.Creating a service management plan that contains Service Management objectives, plan to achieve objectives, control of parties involved in the service lifecycle, and Service Level Agreements.Auditing the bank’s service management system including adherence to its service management policy.Ensuring all staff of Wema Bank (and interested parties) adhere strictly to the Bank’s Service Management Policy.Reviewing the effectiveness of the bank’s Service Management policy at least annually and after a major change, thus promoting a continual improvement of the bank’s service management system based on qualitative and quantitative measures."
  },
  {
    "url": "https://wemabank.com/accessibility",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Our website can be viewed on a variety of browsers running on Windows platform:\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nOn the InternetIn an effort to support the Web Accessibility Initiative (WAI), our website has been designed to comply with the WAI standards.Browser CompatibilityOur website can be viewed on a variety of browsers running on Windows platform:Microsoft Internet Explorer Version 9.0 and aboveFirefox 3.0 and aboveGoogle ChromeApple Safari 5.0"
  },
  {
    "url": "https://wemabank.com/locate-us/atms",
    "title": "WEMA Bank ATMs - Secure Cash Access, Anytime, Anywhere",
    "meta_description": "Experience convenience with WEMA Bank ATMs. Access cash anytime, anywhere at our secure and easily accessible ATMs across Lagos, Nigeria. Your financial freedom is just a withdrawal away.",
    "text": "Bank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nBranchATMsLocate ATMsUse Current LocationOrLocationSearch RadiusSelect10 KM20 KM50 KM100 KM200 KM500 KMLocate"
  },
  {
    "url": "https://wemabank.com/locate-us/branches",
    "title": "WEMA Bank Branches - Convenient Locations for Personalized Service",
    "meta_description": "Locate the nearest WEMA Bank branches for personalized and efficient service. Our conveniently located branches are ready to assist you with all your banking needs in Lagos, Nigeria",
    "text": "There are 0 Branch(es) near you\n\nBank Verification Number – Code To Check Your BVN\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nBranchATMsLocate a BranchUse Current LocationOrLocationSearch RadiusSelect10 KM20 KM50 KM100 KM200 KM500 KMLocateThere are 0 Branch(es) near you"
  },
  {
    "url": "https://wemabank.com/summary-of-the-policy-concerning-insider-trading-and-related-party-transcations",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Authorized Investment/Treasury Officers and employees in policy-making positions shall refrain from personal business activities that could conflict or give the appearance of a conflict with the proper execution of the investment or dealing program or could impair their ability to make impartial investment decisions.\n\nSuch individuals shall disclose to the treasurer, any material personal interests or relationships that could conflict or be seen to conflict with their roles as regards the investment or dealership proposal.\n\nApproval for investment or dealing proposals originating from an employee or their related third parties shall be by the next higher level of authority. In giving the appearance to such proposals consideration shall be given to the character, maturity, and track record of the employee, in addition to the purpose and viability of the deal or investment.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nAuthorized Investment/Treasury Officers and employees in policy-making positions shall refrain from personal business activities that could conflict or give the appearance of a conflict with the proper execution of the investment or dealing program or could impair their ability to make impartial investment decisions.Such individuals shall disclose to the treasurer, any material personal interests or relationships that could conflict or be seen to conflict with their roles as regards the investment or dealership proposal.Approval for investment or dealing proposals originating from an employee or their related third parties shall be by the next higher level of authority. In giving the appearance to such proposals consideration shall be given to the character, maturity, and track record of the employee, in addition to the purpose and viability of the deal or investment."
  },
  {
    "url": "https://wemabank.com/privacy-policy",
    "title": "Wema Bank | Admin Control Panel",
    "meta_description": "Explore",
    "text": "Wema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/personal/accounts-services/savings-account/royal-kiddies-account/",
    "title": "WEMA Bank Royal Kiddies Account - Teach Your Kids Financial Wisdom",
    "meta_description": "Teach your kids financial wisdom with WEMA Bank's Royal Kiddies Account. Introduce them to banking in a fun and educational way, setting them on the path to financial literacy.",
    "text": "Royal kiddies account is a special account that enables children get an early start to financial freedom at WEMA Bank and it is designed for children between ages 0 to 12 years.\n\nIf you’re a parent, financial literacy is one of the most important skills you can teach your kids at an early age. Opening a children account for your youngster can give them a head start on aspects of personal finance and make concepts such as savings, budget and financial goals become more real, practical and exciting to them.\n\nPrior to taking the leap of choosing a children account, it is important to decide on what your goals and plans for your children’s savings account will be. Putting in mind these priorities will help you choose the right account option. Here are a few things to know before opening a savings account for your children.\n\nEducate and empower your children on different financial channels, the importance of saving, and the discipline required to achieve savings goals, etc., with a Royal Kiddies Account.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nRoyal kiddies account is a special account that enables children get an early start to financial freedom at WEMA Bank and it is designed for children between ages 0 to 12 years.If you’re a parent, financial literacy is one of the most important skills you can teach your kids at an early age. Opening a children account for your youngster can give them a head start on aspects of personal finance and make concepts such as savings, budget and financial goals become more real, practical and exciting to them.Choosing An Account for Your KidPrior to taking the leap of choosing a children account, it is important to decide on what your goals and plans for your children’s savings account will be. Putting in mind these priorities will help you choose the right account option. Here are a few things to know before opening a savings account for your children.Key Considerations when opening a children’s accountWhat do you want to achieve with a child’s savings account?Trust fund or Kiddies AccountInterest rates for Children accountWhat are the extra perksAre You Ready To Open A Royal Kiddies Account?Educate and empower your children on different financial channels, the importance of saving, and the discipline required to achieve savings goals, etc., with a Royal Kiddies Account.Open A Royal Kiddies AccountFeatures of Royal Kiddies AccountAccount is operated by the parent/guardian who may or may not have an account with Wema BankMinimum opening balance of N2,000Competitive interest rate of 5.65%Limited withdrawals – Maximum of 1 withdrawal/month to qualify for interest paymentLodgment of dividend warrants & cheques in child’s name is allowedNo debit card would be issued on this accountA Royal Kiddies e-purse will be made available on request.Benefits of Children AccountHelps parents to save for their child’s future.Helps to teach a child the importance of saving from a young age and introduces the child to use financial channels through the Royal Kiddies e-purse.Ensures continuity of child’s education in case of death of parent or guardian.Allows standing order for regular savings from parent’s/guardian’s accounts for payment of school feesHigher interest rate than a standard savings account.Eligibility for the annual Wema Educational AwardTransaction alerts through SMS and/or E-mailAccess to school fees advance, scholarships and life assurance to fund their education.Account Opening Required Documents Duly completed account opening form including signature mandate cardCopy of National ID card, Driver’s License, Voters ID or International Passport of the account administrator (parents/guardian)1 passport photograph each for parent/guardian and child/ward and alternate administrator.BVN of administrator & Alternate administrator (Where applicable)Birth certificate or School ID of childCopy of utility bill (Water, electricity, Waste or telephone) issued within the last three months\n\nChoosing An Account for Your KidPrior to taking the leap of choosing a children account, it is important to decide on what your goals and plans for your children’s savings account will be. Putting in mind these priorities will help you choose the right account option. Here are a few things to know before opening a savings account for your children.\n\nKey Considerations when opening a children’s accountWhat do you want to achieve with a child’s savings account?Trust fund or Kiddies AccountInterest rates for Children accountWhat are the extra perks\n\nAre You Ready To Open A Royal Kiddies Account?Educate and empower your children on different financial channels, the importance of saving, and the discipline required to achieve savings goals, etc., with a Royal Kiddies Account.Open A Royal Kiddies Account\n\nFeatures of Royal Kiddies AccountAccount is operated by the parent/guardian who may or may not have an account with Wema BankMinimum opening balance of N2,000Competitive interest rate of 5.65%Limited withdrawals – Maximum of 1 withdrawal/month to qualify for interest paymentLodgment of dividend warrants & cheques in child’s name is allowedNo debit card would be issued on this accountA Royal Kiddies e-purse will be made available on request.\n\nBenefits of Children AccountHelps parents to save for their child’s future.Helps to teach a child the importance of saving from a young age and introduces the child to use financial channels through the Royal Kiddies e-purse.Ensures continuity of child’s education in case of death of parent or guardian.Allows standing order for regular savings from parent’s/guardian’s accounts for payment of school feesHigher interest rate than a standard savings account.Eligibility for the annual Wema Educational AwardTransaction alerts through SMS and/or E-mailAccess to school fees advance, scholarships and life assurance to fund their education.\n\nAccount Opening Required Documents Duly completed account opening form including signature mandate cardCopy of National ID card, Driver’s License, Voters ID or International Passport of the account administrator (parents/guardian)1 passport photograph each for parent/guardian and child/ward and alternate administrator.BVN of administrator & Alternate administrator (Where applicable)Birth certificate or School ID of childCopy of utility bill (Water, electricity, Waste or telephone) issued within the last three months"
  },
  {
    "url": "https://wemabank.com/blog/wema-bank-launches-alatpay-a-payment-gateway-platform-for-msmes-provides-instant-settlement-for-businesses-across-nigeria",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "wema-bank-launches-alatpay-a-payment-gateway-platform-for-msmes-provides-instant-settlement-for-businesses-across-nigeria\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/personal/cards",
    "title": "WEMA Bank Cards - Convenient and Secure Payment Solutions",
    "meta_description": "Experience convenience and security with WEMA Bank's range of cards. From debit and credit cards to prepaid options, discover seamless payment solutions for your everyday needs in Lagos, Nigeria.",
    "text": "Explore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.\n\nExplore a world of possibilities with our versatile range of cards. Whether it’s for a specific season or any purpose, our cards serve as passports to the life you dream of. Experience the freedom to pay at various locations, withdraw cash globally, and embark on adventures with confidence. Take control with Wema Bank’s Cards. Utilize the Card Control feature on the ALAT app to determine where your card works. Whether it’s online payments, ATM withdrawals, or POS transactions, you decide. Enjoy the simplicity of turning your card on or off, locking or unlocking it, and even setting it for international use while traveling.\n\nChoose from Wema MasterCard, Visa, or Verve cards, and register them with Wema SecureCard for added protection against unauthorized online payments. Embrace the brilliance of simplicity and security as you navigate the world of endless possibilities with Wema Bank’s Cards.\n\nWhether Cash-backed or Clean; these Wema Bank Credit Cards are made specially for you.  All Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold and Platinum; either denominated in Naira or USD\n\nOur range of Debit cards give you the opportunity to make everyday purchases easily. The Wema Debit Card offers convenience, control and security.\n\nYou need a card for others to make domestic transactions on your behalf, for groceries or for your young adults or teenagers. Proceed to apply and you can always load and reload for online-real-time value.\n\nWema bank foreign denominated cards gives you limitless possibilities when spending /shopping abroad or online, which means there are no spending restriction and customers can define their spend limits.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPrepaid, Credit and Debit ATM cardsWith Wema Bank’s Cards, You Are Always In Control. Our Debit, Credit and Prepaid Cards Have A Worldwide AcceptanceExplore a world of possibilities with our versatile range of cards. Whether it’s for a specific season or any purpose, our cards serve as passports to the life you dream of. Experience the freedom to pay at various locations, withdraw cash globally, and embark on adventures with confidence. Take control with Wema Bank’s Cards. Utilize the Card Control feature on the ALAT app to determine where your card works. Whether it’s online payments, ATM withdrawals, or POS transactions, you decide. Enjoy the simplicity of turning your card on or off, locking or unlocking it, and even setting it for international use while traveling.Choose from Wema MasterCard, Visa, or Verve cards, and register them with Wema SecureCard for added protection against unauthorized online payments. Embrace the brilliance of simplicity and security as you navigate the world of endless possibilities with Wema Bank’s Cards.\n\nCredit CardsTailored Options for Every NeedWhether Cash-backed or Clean; these Wema Bank Credit Cards are made specially for you.  All Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold and Platinum; either denominated in Naira or USDFind Out More\n\nDebit CardsSeamless  Purchases with Convenience and SecurityOur range of Debit cards give you the opportunity to make everyday purchases easily. The Wema Debit Card offers convenience, control and security.Find Out More\n\nPrepaid CardsSecure Domestic Transactions You need a card for others to make domestic transactions on your behalf, for groceries or for your young adults or teenagers. Proceed to apply and you can always load and reload for online-real-time value.Find Out More\n\nForeign Denominated CardsWema Bank Foreign Denominated CardsWema bank foreign denominated cards gives you limitless possibilities when spending /shopping abroad or online, which means there are no spending restriction and customers can define their spend limits.Find Out More"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Explore a range of tailored solutions designed to turn your aspirations into reality. From flexible terms to competitive rates, embark on a journey of financial empowerment with our consumer loans. Your goals are within reach – discover the possibilities today.\n\nAre you a salary earner or self-employed? Do you know you can get up to four million naira instantly and pay it back over 24 months?\n\nDo you need a short-term loan to pay the school fees of your children? Speak to us about an advance of up to 5 million Naira for school fees.\n\nAre you a Youth Corps member? Do you know you can get up to two hundred thousand naira instantly and pay it back over 10 months?\n\nThe ALAT Salary Loan is for salaried individuals whose companies are enlisted with the bank. It is a fast, convenient, and reliable way of accessing funds anywhere, using a mobile device or a computer.\n\nThis is a 30-day loan tailored for salary earners. It is a fast, convenient, and reliable way of accessing funds anywhere using a mobile device or a computer.\n\nThis is a 30-day loan for both cash flow customers and salary earners to provide short-term facilities to individuals with regular cash inflow.\n\nThis is a reliable way of accessing funds without breaking your savings. It is available for all customers with goal savings on the ALAT app.\n\nVehicle Finance provides asset finance availability to individuals who wish to acquire and enjoy new vehicles, Tokunbo vehicles, and pre-owned vehicles of their choice.\n\nThis product enables customers to acquire furniture, generators, home theatres, TVs, refrigerators, other portable or mobile electronics, and household devices of their choice.\n\nThis product enables customers to finance the acquisition of renewable energy solutions (like solar energy systems, inverters, batteries, solar panels, and accessories) of their choice.\n\nDevice finance facilities are available to individuals who wish to acquire and enjoy brand smartphones, tablets, and laptops.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPersonal LoanAre you a salary earner or self-employed? Do you know you can get up to four million naira instantly and pay it back over 24 months?Find Out More\n\nSchool Fees AdvanceDo you need a short-term loan to pay the school fees of your children? Speak to us about an advance of up to 5 million Naira for school fees.Find Out More\n\nNYSC LoanAre you a Youth Corps member? Do you know you can get up to two hundred thousand naira instantly and pay it back over 10 months?Find Out More\n\nALAT Salary-Based LoanThe ALAT Salary Loan is for salaried individuals whose companies are enlisted with the bank. It is a fast, convenient, and reliable way of accessing funds anywhere, using a mobile device or a computer.Find Out More\n\nPayday LoanThis is a 30-day loan tailored for salary earners. It is a fast, convenient, and reliable way of accessing funds anywhere using a mobile device or a computer.Find Out More\n\nQuick LoanThis is a 30-day loan for both cash flow customers and salary earners to provide short-term facilities to individuals with regular cash inflow.Find Out More\n\nGoal-Based LoanThis is a reliable way of accessing funds without breaking your savings. It is available for all customers with goal savings on the ALAT app.Find Out More\n\nBuy Now Pay LaterVehicle LoanVehicle Finance provides asset finance availability to individuals who wish to acquire and enjoy new vehicles, Tokunbo vehicles, and pre-owned vehicles of their choice. Learn MoreAsset FinanceThis product enables customers to acquire furniture, generators, home theatres, TVs, refrigerators, other portable or mobile electronics, and household devices of their choice.Learn MoreGreen Energy FinanceThis product enables customers to finance the acquisition of renewable energy solutions (like solar energy systems, inverters, batteries, solar panels, and accessories) of their choice.Learn MoreDevice LoanDevice finance facilities are available to individuals who wish to acquire and enjoy brand smartphones, tablets, and laptops.Learn More"
  },
  {
    "url": "https://wemabank.com/personal/e-banking/",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Do you want to experience banking from the comfort of your home, at work, or abroad? A secure way to access your accounts, manage payments, check your statements, and much more, 24 hours a day.\n\nUnleashing the Power of Online Banking with Wema.\n\nEasy access to your account(s) from anywhere in the world.\n\nOnline real-time account monitoring facility.\n\nThe convenience of conducting banking transactions from the comfort of home/office.\n\nGuaranteed security for all your online transactions.\n\nEasy Access to bank information and products.\n\nAn effective, cheaper, and easier way for our customers to communicate with banks.\n\nWema Bank offers a wide range of Digital Solution products designed to cater to different needs, from personal finance management (ALAT) to business payment collections (Paydirect) and even industry-specific solutions like hospital and school management.\n\nStreamline your school operations and empower informed decision-making with Wema Bank's comprehensive School Management solution.\n\nStreamline your business operations and boost sales with Wema Bank's innovative Wema POS terminals, your one-stop shop for secure and convenient payments.\n\nWemaCollect is our cutting-edge solution that can be customised to meet your specific revenue collection needs. The solution is a robust real-time and highly secure electronic collection solution.\n\nBoost your sales and simplify collections with AlatPay, Wema Bank's secure and flexible online payment gateway.\n\nWemaRemitYour secure and efficient e-courier service for delivering funds and schedules to bank accounts and relevant bodies.\n\nCustomers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.\n\nWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.\n\nMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nBanking at your convenienceDo you want to experience banking from the comfort of your home, at work, or abroad?A secure way to access your accounts, manage payments, check your statements, and much more, 24 hours a day.The Wema Bank Internet Banking launches you into a world without limits. It is a robust channel designed with state-of-the-art technology that gives you unlimited access to your accounts and allows you conveniently perform over 90% of your bank transactions online in real-time.With ALAT Internet Banking, you can, enjoy the convenience of managing your finances quickly and easily at a time that suits you. You can bank safely and securely – at work, home, or abroad.\n\nAnywhereEasy access to your account(s) from anywhere in the world.AnytimeOnline real-time account monitoring facility.ComfortThe convenience of conducting banking transactions from the comfort of home/office.SecureGuaranteed security for all your online transactions.UpdatesEasy Access to bank information and products.CommunicationAn effective, cheaper, and easier way for our customers to communicate with banks.\n\nDigital SolutionDigital SolutionWema Bank offers a wide range of Digital Solution products designed to cater to different needs, from personal finance management (ALAT) to business payment collections (Paydirect) and even industry-specific solutions like hospital and school management.Find Out More\n\nSchool ManagementSchool ManagementStreamline your school operations and empower informed decision-making with Wema Bank's comprehensive School Management solution.Find Out More\n\nWEMA POSWema POSStreamline your business operations and boost sales with Wema Bank's innovative Wema POS terminals, your one-stop shop for secure and convenient payments.Find Out More\n\nWema CollectWema CollectWemaCollect is our cutting-edge solution that can be customised to meet your specific revenue collection needs. The solution is a robust real-time and highly secure electronic collection solution.Find Out More\n\nAlat PayAlat PayBoost your sales and simplify collections with AlatPay, Wema Bank's secure and flexible online payment gateway.Find Out More\n\nWema RemitWema RemitWemaRemitYour secure and efficient e-courier service for delivering funds and schedules to bank accounts and relevant bodies.Find Out More\n\nOther Products*945#Customers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.Read MoreWestern UnionWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.Read MoreMoneyGramMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.Read More"
  },
  {
    "url": "https://wemabank.com/business/corporate-banking/",
    "title": "WEMA Bank Corporate Banking - Tailored Solutions for Businesses",
    "meta_description": "Access tailored banking solutions for your business with WEMA Bank's corporate banking services. From SME accounts to corporate loans, find the support you need in Lagos, Nigeria.",
    "text": "Step into our Corporate Banking Hub, where excellence meets enterprise. Unleash the full potential of your business with our suite of corporate banking solutions.\n\nNeed to grow your money in a short time between 30 -180 days or more? Then, you should try our fixed deposits account. It enables you to Invest a lump sum with us safely for a specific period of up to 180 days and earn a pre-agreed interest rate. While we’re growing your investment, you’ll be able to use all our electronic banking channels free of charge. Investments can be cashed out with interest or reinvested.\n\nWhen you consider the advantages that come with a WEMA Bank Corporate Account and the many benefits to your business, coupled with the support and guidance you receive from your ever-attentive relationship manager, you would be right to consider it a valuable business asset.\n\nOur corporate banking serves as a financial powerhouse for businesses, offering a myriad of advantages that transcend traditional banking services. From tailored financial solutions to strategic partnerships, explore the key benefits that empower businesses to thrive in the dynamic corporate landscape.\n\nGrowing your farm requires more than just sunshine and water. It takes financial resources, and Wema Bank's Agric Finance product is here to help you sow the seeds for success.\n\nEnjoy the convenience of accessing your corporate banking accounts from anywhere in the world\n\nOnline real-timeaStay informed with real-time updates on account activities.\n\nConduct secure and efficient transactions online, streamlining payments, fund transfers.\n\nBenefit from round-the-clock availability, allowing businesses to perform critical banking functions at any time,\n\nLeverage advanced security features such as multi-factor authentication and encryption protocols,\n\nExperience specialized customer support tailored to your unique needs.\n\nFinance essential assets for your business through flexible lease options with Wema Bank.\n\nExpand your reach, simplify your trade: Wema Bank's Global Trade & Correspondent Banking is your gateway to seamless international business.\n\nWema Bank's Import Finance Facility is a financial product designed to help businesses of all sizes import goods and equipment from overseas.\n\nThis is a credit facility which allows the borrower to draw, within a specified tenor usually not exceeding 12 months, agreed amounts in excess of the credit balance in the current account with the bank.\n\nDesigned to finance asset acquisition, general capacity expansion and long-term financing needs, and may also be used for specific expansionary purposes or clearly identifiable cash outlay of specific amounts.\n\nCustomers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.\n\nWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.\n\nMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWEMA Bank Corporate Banking SolutionNeed to grow your money in a short time between 30 -180 days or more? Then, you should try our fixed deposits account. It enables you to Invest a lump sum with us safely for a specific period of up to 180 days and earn a pre-agreed interest rate. While we’re growing your investment, you’ll be able to use all our electronic banking channels free of charge. Investments can be cashed out with interest or reinvested.When you consider the advantages that come with a WEMA Bank Corporate Account and the many benefits to your business, coupled with the support and guidance you receive from your ever-attentive relationship manager, you would be right to consider it a valuable business asset.Open a corporate account here\n\nBenefitsMaximizing Financial Potential through Corporate Banking ExcellenceOur corporate banking serves as a financial powerhouse for businesses, offering a myriad of advantages that transcend traditional banking services. From tailored financial solutions to strategic partnerships, explore the key benefits that empower businesses to thrive in the dynamic corporate landscape.\n\nAgric FinanceAgric FinanceGrowing your farm requires more than just sunshine and water. It takes financial resources, and Wema Bank's Agric Finance product is here to help you sow the seeds for success.Find Out More\n\nAnywhereEnjoy the convenience of accessing your corporate banking accounts from anywhere in the worldReal-time Account MonitoringOnline real-timeaStay informed with real-time updates on account activities.Effortless TransactionsConduct secure and efficient transactions online, streamlining payments, fund transfers.24/7 AvailabilityBenefit from round-the-clock availability, allowing businesses to perform critical banking functions at any time,Enhanced Security MeasuresLeverage advanced security features such as multi-factor authentication and encryption protocols,Dedicated Corporate SupportExperience specialized customer support tailored to your unique needs.\n\nGlobal Trade and Correspondent BankingGlobal Trade and Correspondent BankingExpand your reach, simplify your trade: Wema Bank's Global Trade & Correspondent Banking is your gateway to seamless international business.Find Out More\n\nImport Finance FacilityImport Finance FacilityWema Bank's Import Finance Facility is a financial product designed to help businesses of all sizes import goods and equipment from overseas.Find Out More\n\nOverdraftOverdraftThis is a credit facility which allows the borrower to draw, within a specified tenor usually not exceeding 12 months, agreed amounts in excess of the credit balance in the current account with the bank.Find Out More\n\nTerm LoanTerm LoanDesigned to finance asset acquisition, general capacity expansion and long-term financing needs, and may also be used for specific expansionary purposes or clearly identifiable cash outlay of specific amounts.Find Out More\n\nOther Products*945#Customers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.Read MoreWestern UnionWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.Read MoreMoneyGramMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.Read More"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Explore a range of tailored solutions designed to turn your aspirations into reality. From flexible terms to competitive rates, embark on a journey of financial empowerment with our consumer loans. Your goals are within reach – discover the possibilities today.\n\nAre you a salary earner or self-employed? Do you know you can get up to four million naira instantly and pay it back over 24 months?\n\nDo you need a short-term loan to pay the school fees of your children? Speak to us about an advance of up to 5 million Naira for school fees.\n\nAre you a Youth Corps member? Do you know you can get up to two hundred thousand naira instantly and pay it back over 10 months?\n\nThe ALAT Salary Loan is for salaried individuals whose companies are enlisted with the bank. It is a fast, convenient, and reliable way of accessing funds anywhere, using a mobile device or a computer.\n\nThis is a 30-day loan tailored for salary earners. It is a fast, convenient, and reliable way of accessing funds anywhere using a mobile device or a computer.\n\nThis is a 30-day loan for both cash flow customers and salary earners to provide short-term facilities to individuals with regular cash inflow.\n\nThis is a reliable way of accessing funds without breaking your savings. It is available for all customers with goal savings on the ALAT app.\n\nVehicle Finance provides asset finance availability to individuals who wish to acquire and enjoy new vehicles, Tokunbo vehicles, and pre-owned vehicles of their choice.\n\nThis product enables customers to acquire furniture, generators, home theatres, TVs, refrigerators, other portable or mobile electronics, and household devices of their choice.\n\nThis product enables customers to finance the acquisition of renewable energy solutions (like solar energy systems, inverters, batteries, solar panels, and accessories) of their choice.\n\nDevice finance facilities are available to individuals who wish to acquire and enjoy brand smartphones, tablets, and laptops.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPersonal LoanAre you a salary earner or self-employed? Do you know you can get up to four million naira instantly and pay it back over 24 months?Find Out More\n\nSchool Fees AdvanceDo you need a short-term loan to pay the school fees of your children? Speak to us about an advance of up to 5 million Naira for school fees.Find Out More\n\nNYSC LoanAre you a Youth Corps member? Do you know you can get up to two hundred thousand naira instantly and pay it back over 10 months?Find Out More\n\nALAT Salary-Based LoanThe ALAT Salary Loan is for salaried individuals whose companies are enlisted with the bank. It is a fast, convenient, and reliable way of accessing funds anywhere, using a mobile device or a computer.Find Out More\n\nPayday LoanThis is a 30-day loan tailored for salary earners. It is a fast, convenient, and reliable way of accessing funds anywhere using a mobile device or a computer.Find Out More\n\nQuick LoanThis is a 30-day loan for both cash flow customers and salary earners to provide short-term facilities to individuals with regular cash inflow.Find Out More\n\nGoal-Based LoanThis is a reliable way of accessing funds without breaking your savings. It is available for all customers with goal savings on the ALAT app.Find Out More\n\nBuy Now Pay LaterVehicle LoanVehicle Finance provides asset finance availability to individuals who wish to acquire and enjoy new vehicles, Tokunbo vehicles, and pre-owned vehicles of their choice. Learn MoreAsset FinanceThis product enables customers to acquire furniture, generators, home theatres, TVs, refrigerators, other portable or mobile electronics, and household devices of their choice.Learn MoreGreen Energy FinanceThis product enables customers to finance the acquisition of renewable energy solutions (like solar energy systems, inverters, batteries, solar panels, and accessories) of their choice.Learn MoreDevice LoanDevice finance facilities are available to individuals who wish to acquire and enjoy brand smartphones, tablets, and laptops.Learn More"
  },
  {
    "url": "https://wemabank.com/business/electronic-banking/wema-pos/",
    "title": "WEMA Bank POS Services - Convenient Point of Sale Solutions",
    "meta_description": "Experience convenience with WEMA Bank's POS services. Accept card payments with ease, providing your customers with a seamless and secure transaction experience in Lagos, Nigeria.",
    "text": "Our Point-of-Sale terminals are designed to serve as alternative means for payment for goods and services, transactions can either be local or international.\n\nOther solutions on our POS terminals include:\n\nCustomized solutions for Hospitals, Schools, Churches, Airline, and IGR collections.\n\nBank Verification Number – Code To Check Your BVN\n\nPoint Of Sale Merchant Agreement\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nOur Point-of-Sale terminals are designed to serve as alternative means for payment for goods and services, transactions can either be local or international.Other solutions on our POS terminals include:Customized solutions for Hospitals, Schools, Churches, Airline, and IGR collections.USSD on POSPay with phone numberQR (Quick Response) CodeContactless mode of PaymentsFeaturesPayment for goods and services subject to limits set on the cards.Standard MSC (Merchant Service Charge) is 0.5% per transaction capped at N1,000.Benefits to CustomersIncreased sales due to impulse buying by customersReduction in pilfering as cash-handling is reducedAvailability of multiple network technologies to ensure uptimeJoint merchandising opportunitiesContact us"
  },
  {
    "url": "https://wemabank.com/personal/e-banking/945-2/",
    "title": "Activate WEMA Bank Transfer Code - Simple Steps with #945 USSD",
    "meta_description": "Activate WEMA Bank transfer code with simple steps using #945 USSD. Explore the convenience of mobile banking and learn how to easily access a range of banking services on your mobile phone in Lagos, Nigeria.",
    "text": "*945# USSD Codes always saves the day. It is a USSD codes for sending money, buying airtime and data, paying bills, and even making payments on POS terminals without a Wema/ALAT card. Best of all, it works on any kind of mobile phone. Banking made easy with *945#\n\nAccount Management CodesAirtime, Data, and Transfers CodesQuick Loan CodeCable TV CodesInternet Service CodesElectricity Bill CodesSchools and Exams CodesState CollectionsCardless Transactions\n\nRead *945# loan Terms and Condition here\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWema Bank USSD Codes - *945# *945# USSD Codes always saves the day. It is a USSD codes for sending money, buying airtime and data, paying bills, and even making payments on POS terminals without a Wema/ALAT card. Best of all, it works on any kind of mobile phone. Banking made easy with *945#Account Management CodesAirtime, Data, and Transfers CodesQuick Loan CodeCable TV CodesInternet Service CodesElectricity Bill CodesSchools and Exams CodesState CollectionsCardless TransactionsAccount Management  Account Balance*945*0#Change PIN*945*00#Change Account*945*2*OldAcctno*NewAcctno#Registration/Profiling On 945*945*01#BVN Management*945*4#Account Restriction*945*911#Account Activation*945*5#Account Opening*945*1#Electricity Bill CodesElectricity bill*945*24#Eko*945*25*meterno*amount#Ikeja*945*26*meterno*amount#Ibadan*945*27*meterno*amount#Abuja*945*28*meterno*amount#Enugu*945*29*meterno*amount#Jos*945*30*meterno*amount#Kaduna*945*31*meterno*amount#Kano*945*32*meterno*amount#Portharcourt*945*33*meterno*amount#Airtime, Data, and Transfers CodesAirtime (self)*945*amount#Airtime (others)*945*phoneNo*amount#Airtime/Data -*945*9#Transfers (Wema account and other banks)*945*accountNo*amount#Cable TV CodesCable TV menu*945*10#DSTV*945*11# and *945*11*smartcardNO #GOTV*945*12# and *945*12*smartcardNO#Startimes*945*13# and *945*13*smartcardNO#Cardless Transactions  Mcash*945*57# and *945*57*merchantcode*amount#Coralpay*945*58# and *945*000*REFno#Internet Service CodesInternet service menu*945*15#Smile*945*16#Spectranet*945*18#945 LoansQuick Loan*945*65#Salary-Base Loan*945*65#Schools and Exams CodesWAEC (result checking)*945*70#JAMB (result checking)*945*71#State Collections  Lagos state collection*945*40#Read *945# loan Terms and Condition here"
  },
  {
    "url": "https://wemabank.com/smes/sme-loans",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "We have a range of suitable small business loans or financing options to help your business grow\n\nRunning a small or medium scale business has its challenges.\n\nAt Wema Bank, we understand your desire to expand your business, buy new tools and meet your crucial business needs.\n\nThat’s why we have a variety of SME finance just for you.\n\nPursuant to the Stamp Duty Act Cap 58, Laws of the Federation of Nigeria 2004 (as amended), the Finance Act 2019 (as amended) and the Press release of the Federal Inland Revenue Service (FIRS), on payment and collection of Stamp Duty taxes, the bank shall deduct and remit, as required, all Stamp Duty taxes on the principal amount of the facility and related dutiable instruments. Click Here To View Other Loans Available to SMEs\n\nUnburden Your Cash Flow with Wema's Smart Financing Solution. Don't let cash flow constraints hold your business back. Wema Bank's Business Support Facility is designed to bridge the gap, providing you with the working capital you need to keep your business running smoothly. With flexible terms and competitive interest rates, this facility is the perfect fit for businesses of all sizes. Breathe easy and focus on what you do best, knowing Wema is handling your financial needs. Learn More\n\nFuel your business ambitions with Wema Bank CBN SME Loans. Wema Bank's CBN SME Loan program provides access to affordable financing, empowering small and medium businesses like yours to reach new heights. Invest in equipment, expand your operations, and unlock your growth potential with flexible loan terms and expert guidance. Learn More\n\nYour Partner in Progress: Whether you're navigating challenges or chasing dreams, Wema Bank's supportive loan portfolio partners with you every step of the way. Learn More\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWe have a range of suitable small business loans or financing options to help your business growRunning a small or medium scale business has its challenges.At Wema Bank, we understand your desire to expand your business, buy new tools and meet your crucial business needs.That’s why we have a variety of SME finance just for you.Pursuant to the Stamp Duty Act Cap 58, Laws of the Federation of Nigeria 2004 (as amended), the Finance Act 2019 (as amended) and the Press release of the Federal Inland Revenue Service (FIRS), on payment and collection of Stamp Duty taxes, the bank shall deduct and remit, as required, all Stamp Duty taxes on the principal amount of the facility and related dutiable instruments. Click Here To View Other Loans Available to SMEsBusiness Support FacilityUnburden Your Cash Flow with Wema's Smart Financing Solution. Don't let cash flow constraints hold your business back. Wema Bank's Business Support Facility is designed to bridge the gap, providing you with the working capital you need to keep your business running smoothly. With flexible terms and competitive interest rates, this facility is the perfect fit for businesses of all sizes. Breathe easy and focus on what you do best, knowing Wema is handling your financial needs. Learn MoreCBN SME LoanFuel your business ambitions with Wema Bank CBN SME Loans. Wema Bank's CBN SME Loan program provides access to affordable financing, empowering small and medium businesses like yours to reach new heights. Invest in equipment, expand your operations, and unlock your growth potential with flexible loan terms and expert guidance. Learn MoreOther LoansYour Partner in Progress: Whether you're navigating challenges or chasing dreams, Wema Bank's supportive loan portfolio partners with you every step of the way. Learn More"
  },
  {
    "url": "https://wemabank.com/personal/cards/",
    "title": "WEMA Bank Cards - Convenient and Secure Payment Solutions",
    "meta_description": "Experience convenience and security with WEMA Bank's range of cards. From debit and credit cards to prepaid options, discover seamless payment solutions for your everyday needs in Lagos, Nigeria.",
    "text": "Explore a world of versatile payment solutions, rewards, and seamless transactions. From credit to debit, discover the perfect card for your lifestyle.\n\nExplore a world of possibilities with our versatile range of cards. Whether it’s for a specific season or any purpose, our cards serve as passports to the life you dream of. Experience the freedom to pay at various locations, withdraw cash globally, and embark on adventures with confidence. Take control with Wema Bank’s Cards. Utilize the Card Control feature on the ALAT app to determine where your card works. Whether it’s online payments, ATM withdrawals, or POS transactions, you decide. Enjoy the simplicity of turning your card on or off, locking or unlocking it, and even setting it for international use while traveling.\n\nChoose from Wema MasterCard, Visa, or Verve cards, and register them with Wema SecureCard for added protection against unauthorized online payments. Embrace the brilliance of simplicity and security as you navigate the world of endless possibilities with Wema Bank’s Cards.\n\nWhether Cash-backed or Clean; these Wema Bank Credit Cards are made specially for you.  All Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold and Platinum; either denominated in Naira or USD\n\nOur range of Debit cards give you the opportunity to make everyday purchases easily. The Wema Debit Card offers convenience, control and security.\n\nYou need a card for others to make domestic transactions on your behalf, for groceries or for your young adults or teenagers. Proceed to apply and you can always load and reload for online-real-time value.\n\nWema bank foreign denominated cards gives you limitless possibilities when spending /shopping abroad or online, which means there are no spending restriction and customers can define their spend limits.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPrepaid, Credit and Debit ATM cardsWith Wema Bank’s Cards, You Are Always In Control. Our Debit, Credit and Prepaid Cards Have A Worldwide AcceptanceExplore a world of possibilities with our versatile range of cards. Whether it’s for a specific season or any purpose, our cards serve as passports to the life you dream of. Experience the freedom to pay at various locations, withdraw cash globally, and embark on adventures with confidence. Take control with Wema Bank’s Cards. Utilize the Card Control feature on the ALAT app to determine where your card works. Whether it’s online payments, ATM withdrawals, or POS transactions, you decide. Enjoy the simplicity of turning your card on or off, locking or unlocking it, and even setting it for international use while traveling.Choose from Wema MasterCard, Visa, or Verve cards, and register them with Wema SecureCard for added protection against unauthorized online payments. Embrace the brilliance of simplicity and security as you navigate the world of endless possibilities with Wema Bank’s Cards.\n\nCredit CardsTailored Options for Every NeedWhether Cash-backed or Clean; these Wema Bank Credit Cards are made specially for you.  All Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold and Platinum; either denominated in Naira or USDFind Out More\n\nDebit CardsSeamless  Purchases with Convenience and SecurityOur range of Debit cards give you the opportunity to make everyday purchases easily. The Wema Debit Card offers convenience, control and security.Find Out More\n\nPrepaid CardsSecure Domestic Transactions You need a card for others to make domestic transactions on your behalf, for groceries or for your young adults or teenagers. Proceed to apply and you can always load and reload for online-real-time value.Find Out More\n\nForeign Denominated CardsWema Bank Foreign Denominated CardsWema bank foreign denominated cards gives you limitless possibilities when spending /shopping abroad or online, which means there are no spending restriction and customers can define their spend limits.Find Out More"
  },
  {
    "url": "https://wemabank.com/wemaat80/articles",
    "title": "WEMA Bank at 80 Articles",
    "meta_description": "Here are some frequently asked questions about Wema Bank at 80.",
    "text": "In the heart of Nigeria’s active history, there’s a story that speaks of visionaries who dared to dream when the odds were stacked against them. This is the tale of Wema Bank, Nigeria’s oldest indigenous bank, whose journey spans over 80 years and is rooted in an audacious dream. From humble beginnings in a bungalow in Lagos, Nigeria in the 1940s to becoming Africa’s digital banking pioneer, Wema Bank’s legacy is built on one core principle - RESILIENCE. This article takes us through the story of how Wema Bank’s transformational journey began in 1945.THE FOUNDERS’ DREAM: THE DREAM THAT DEFIED THE IMPOSSIBLEIn the 1940s, when Nigeria was under colonial rule, few could imagine a Nigerian-owned bank would exist. The idea seemed far-fetched, an impossible dream. But In a bungalow located in Ebute metta, Lagos, Nigeria began the story of Nigeria’s oldest indigenous bank and most resilient, Wema Bank, where an ambitious young man from the Okupe family of the Agbonmagbe Ruling House, the Late Chief Matthew Adekoya Okupe, had a vision—to establish an indigenous Bank that was built to last and fortified to serve the people for years to come.At the time, it seemed impractical and unattainable, but Chief Matthew Adekoya Okupe, a man who started his career earning a modest 20 shillings as salary, saw a future where Nigerians controlled their own financial destiny. He wasn’t alone in this vision. Alongside him were his wife, Mrs. Reginald Adekoya Okupe (R.A.O.), and Reverend Alabi, three dreamers who believed that an indigenous Nigerian bank was not just possible—it was necessary. Together, these three exceeded all expectations and did the impossible, establishing the only indigenous bank to have stood the test of time for eight decades, surviving pre-Independence Nigeria, the digital evolution and all eras which significantly restructured the banking industry, to standing strong in the 21st century as an industry leader and a pioneer of digital banking and innovation. This Bank is Wema Bank, Plc. and its birth name was Agbonmagbe Bank limited. THE ROAD TO AGBONMAGBE BANK LIMITEDIn 1939, Chief Matthew Adekoya Okupe built Agbonmagbe Lodge, a building that still stands prominently today at the foot of the ramp leading into Yaba, Lagos, Nigeria from the third mainland bridge. In this timeless white bungalow (a place where dreams were turned into action), Chief Okupe birthed the vision of Nigeria’s oldest indigenous bank, joining forces with his partner in love and partners in business, R.A.O. and Reverend Alabi, to bring the vision into reality.Out of context, one would wonder what was so special about that dream. After all, majority of the Nigerian Banking industry of today is populated with indigenous banks. A correct observation—one which unironically highlights the beauty of that dream. The intricacies of the colonial era are no news to any adult in today’s world. Before Nigeria gained independence in 1960, the country had lived under the British colonial rule for decades, using the British currencies, adopting the services they provided and existing under their governance. In such an era, the idea of an indigenous bank may have seemed unrealistic; “It won’t last”, “How will you do it?”, “Forget it”, “It is not even possible”; but it was. All that was needed was a group of determined and resourceful individuals ready to break through and do the impossible. Against skepticism, the founders pressed on, knowing that the foundation they were laying would become a cornerstone for future generations. And today, it is now known as Nigeria’s oldest, longest surviving, most resilient and innovative bank, Wema Bank,As the Agbonmagbe Bank Limited received its license to operate on May 2, 1945, a new chapter in Nigeria’s banking history began; marking the beginning of Wema Bank’s story.CHALLENGES AND RESILIENCE: A TEST OF STRENGTHAs one of the thriving banks at the time, Agbonmagbe Bank Limited had earned the patronage of many Nigerians on individual, business and institutional levels. One of such stakeholders was the Western Nigeria Marketing Board, who had a fixed deposit of 200,000 pounds with the bank. However, No success story is without its trials, and for Wema Bank, the challenges came early. Despite flourishing in its early years, Agbonmagbe Bank faced its first major hurdle in 1968 when the government required banks to recapitalize to meet the minimum requirement over a certain period. Unfortunately, this development came at a crucial point in the journey of Agbonmagbe Bank Limited, resulting in the bank being unable to meet up with its plans for raising foreign investments within the stipulated period. In an unexpected twist of fate, The Western Nigeria Marketing Board converted their fixed deposit of 200,000 pounds into shares, making the Board the majority shareholder in the bank and allowing the bank to keep on—only, this time, with the Board owning the bank. This lifechanging turn of events left Chief Matthew Okupe and his partners with a tough decision to make: hand over the reins or risk seeing their dream disappear. They chose to let the legacy continue, even if it meant losing control. This pivotal moment ensured that the bank would survive and continue its mission.THE TOUGH DECISIONS ON THE ROAD TO SUCCESS: FROM AGBONMAGBE TO WEMA BANK PLCFor years after its establishment, Agbonmagbe Bank Limited thrived, providing financial services from two small rooms in Agbonmagbe Lodge, fortified with secure windows that kept documents and funds safe in a 4-foot safe high that stands as a banking industry relic today, still at Agbonmagbe Lodge. Those two rooms in Agbonmagbe Lodge served as the first branch, subsequently expanding to branches in Ebute-metta, Sagamu, Abeokuta and Ijebu-Igbo.In 1969, Agbonmagbe Bank Limited evolved into Wema Bank Limited, a name that would eventually become synonymous with resilience and vision. As Nigeria moved into a new era, so too did the bank. As digital evolution took effect on the economy in the later parts of the 1900s, industries were gradually forced to restructure and adapt over the coming years, and institutions that were unable to act fast and implement the necessary adjustments had no choice but to go into extinction. Hundreds of financial institutions fizzled out, but Wema Bank remained resilient, surviving through the decades and continuing to deliver financial services as a private entity. Sadly, Chief Matthew Okupe passed on in 1984, leaving behind the profound legacy of Nigeria’s oldest indigenous bank, a legacy which has continued to live on into its best decades.By 1987, Wema Bank Limited became Wema Bank plc, becoming a public limited liability company that became listed on the Nigerian Stock Exchange in 1990 under the symbol WEMABANK. By February 2001, the Bank was granted a Universal Banking License by the Central Bank of Nigeria (CBN). By 2005, after the Soludo-led recapitalization exercise, Wema Bank merged with the then National Bank of Nigeria, acquiring National Bank and retaining the name, Wema Bank plc.Economic turbulence in the early 2000s led to dramatic restructuring. This time, the decision was to scale back and focus on regaining strength. By 2009, Wema Bank received its regional banking authorisation and took a step back to refuel, knowing that it had the resilience to come back stronger. BECOMING WEMA BANK PLC - A REBIRTH & THE RISE OF DIGITAL INNOVATIONIn the face of adversity, Wema Bank didn’t just survive—it reinvented itself. After years of restructuring, the bank rebranded itself as Nigeria’s most innovative bank, embracing technology as the future of banking. By 2015, Wema Bank regained its national banking license, ushering in a new chapter of growth and transformation. Slowly but surely, Wema Bank rebuilt itself over six years, restrategising with a new focus on innovation, customer centricity and transformation, thus rebranding from simply being Nigeria’s oldest indigenous bank and most resilient bank to also becoming the Bank we all know today as Nigeria’s most innovative bank. Nigeria’s oldest indigenous bank soon began to spearhead a digital transformation in the banking industry, going beyond the Wema Mobile App, which stood on par with other mobile banking apps in the industry, to pioneering ALAT, the first fully digital bank in Africa. This unexpected yet groundbreaking move shook the financial services industry, introducing a new era of banking where Nigerians could bank end-to-end without ever having to visit a physical branch. In its true nature of breaking new ground since birth, Wema Bank, within the past decade, has launched several industry firsts into the industry, leveraging its wealth of experience in the industry and its drive for innovation, futuristic and customer centric banking to discover new areas of need to provide solutions, meet needs and make remarkable impact.Over the past ten years, the Bank has introduced CoopHub, Nigeria’s first digital solution for cooperative societies; the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers; ALATPay, an unparalleled payment gateway that streamlines the process of conducting transactions by eliminating the need for a middleman and providing instant settlement for business transactions on the gateway.Beyond pioneering innovation, Wema Bank has assumed the role of an enabler of innovation, empowering Nigerians to innovate on both individual and business levels. On the individual level, the Bank launched Hackaholics, its youth-focused hackathon that has empowered thousands of Nigerian youths to bring their innovative tech-driven ideas to life and become startup owners as early as their undergraduate years. The Bank has also launched partnerships with the Federal Government of Nigeria to introduce the FGN-ALAT Digital Skillnovation Programme for Youth and Business Owners, as well as the National Youth Service Corps to introduce the NYSC-ALAT Digital Skillnovation Programme, addressing unemployment and underemployment by equipping youth with digital and business skills, financial and material resources, practical insights on how to become highly sought after in their careers, and job placements to ensure a smooth education to employment transition for them. Currently, Wema Bank is a partner to over 80% of FINTECHs in the industry today, providing them with the infrastructure to operate and execute their operations. Having experienced the evolution of Nigeria’s economic trends and witnessed first-hand its impact on lives and businesses, Wema Bank did the groundwork of reinventing itself to become stronger and now, the Bank is on a quest to empower Nigerians on all levels to earn a sustainable living, become economically active, thrive and contribute to the economy of the country as a whole.Naturally, Wema Bank’s customer base and financial performance have continued to skyrocket since its reinvention and with a foolproof strategy of constantly adapting and innovating to deliver optimum value, meet needs and generate unparalleled impact, Wema Bank is evidently headed for the top of Africa’s financial industry—and it is beyond doubt at this point, that the Bank is well equipped to do so. WEMA BANK AT 80: THE BEST IS YET TO COMEFrom its humble beginnings in a bungalow to over 160 branches in 26 states, to becoming a trailblazer in Africa’s banking sector, Wema Bank has proven that with determination, innovation, and a people-first approach, anything is possible. For 80 years, the Bank has stood resilient, evolving, and empowering Nigerians across all walks of life. The journey of Wema Bank stands deeply symbolic, representing the resilience of a Bank that rose in the depth of Nigeria’s colonial struggles as an indigenous and Nigerian-owned bank, surviving the worst to emerging one of the best. The celebration of Wema Bank’s 80th anniversary is one that calls for national honour. It is the celebration of the transformative Bank that proved that Nigerian-owned businesses have the capacity to last. For 8 decades, Wema Bank has stood the test of time, weathering all storms, navigating all hurdles and defying all odds to stand strong at 80 years, proving that the sky is indeed its starting point. Today, Wema Bank is not just a bank—it’s an institution. An institution in the financial industry that believes in the power of individuals, businesses, and communities to rise, innovate, and make a difference. As it looks to the future, Wema Bank’s story is far from over. In fact, the best is yet to come.\n\nIn the heart of Nigeria’s active history, there’s a story that speaks of visionaries who dared to dream when the odds were stacked against them. This is the tale of Wema Bank, Nigeria’s oldest indigenous bank, whose journey spans over 80 years and is rooted in an audacious dream. From humble beginnings in a bungalow in Lagos, Nigeria in the 1940s to becoming Africa’s digital banking pioneer, Wema Bank’s legacy is built on one core principle - RESILIENCE.\n\nThis article takes us through the story of how Wema Bank’s transformational journey began in 1945.\n\nTHE FOUNDERS’ DREAM: THE DREAM THAT DEFIED THE IMPOSSIBLE\n\nIn the 1940s, when Nigeria was under colonial rule, few could imagine a Nigerian-owned bank would exist. The idea seemed far-fetched, an impossible dream. But In a bungalow located in Ebute metta, Lagos, Nigeria began the story of Nigeria’s oldest indigenous bank and most resilient, Wema Bank, where an ambitious young man from the Okupe family of the Agbonmagbe Ruling House, the Late Chief Matthew Adekoya Okupe, had a vision—to establish an indigenous Bank that was built to last and fortified to serve the people for years to come.\n\nAt the time, it seemed impractical and unattainable, but Chief Matthew Adekoya Okupe, a man who started his career earning a modest 20 shillings as salary, saw a future where Nigerians controlled their own financial destiny. He wasn’t alone in this vision. Alongside him were his wife, Mrs. Reginald Adekoya Okupe (R.A.O.), and Reverend Alabi, three dreamers who believed that an indigenous Nigerian bank was not just possible—it was necessary.\n\nTogether, these three exceeded all expectations and did the impossible, establishing the only indigenous bank to have stood the test of time for eight decades, surviving pre-Independence Nigeria, the digital evolution and all eras which significantly restructured the banking industry, to standing strong in the 21st century as an industry leader and a pioneer of digital banking and innovation. This Bank is Wema Bank, Plc. and its birth name was Agbonmagbe Bank limited.\n\nTHE ROAD TO AGBONMAGBE BANK LIMITED\n\nIn 1939, Chief Matthew Adekoya Okupe built Agbonmagbe Lodge, a building that still stands prominently today at the foot of the ramp leading into Yaba, Lagos, Nigeria from the third mainland bridge. In this timeless white bungalow (a place where dreams were turned into action), Chief Okupe birthed the vision of Nigeria’s oldest indigenous bank, joining forces with his partner in love and partners in business, R.A.O. and Reverend Alabi, to bring the vision into reality.\n\nOut of context, one would wonder what was so special about that dream. After all, majority of the Nigerian Banking industry of today is populated with indigenous banks. A correct observation—one which unironically highlights the beauty of that dream.\n\nThe intricacies of the colonial era are no news to any adult in today’s world. Before Nigeria gained independence in 1960, the country had lived under the British colonial rule for decades, using the British currencies, adopting the services they provided and existing under their governance. In such an era, the idea of an indigenous bank may have seemed unrealistic; “It won’t last”, “How will you do it?”, “Forget it”, “It is not even possible”; but it was. All that was needed was a group of determined and resourceful individuals ready to break through and do the impossible. Against skepticism, the founders pressed on, knowing that the foundation they were laying would become a cornerstone for future generations. And today, it is now known as Nigeria’s oldest, longest surviving, most resilient and innovative bank, Wema Bank,\n\nAs the Agbonmagbe Bank Limited received its license to operate on May 2, 1945, a new chapter in Nigeria’s banking history began; marking the beginning of Wema Bank’s story.\n\nCHALLENGES AND RESILIENCE: A TEST OF STRENGTH\n\nAs one of the thriving banks at the time, Agbonmagbe Bank Limited had earned the patronage of many Nigerians on individual, business and institutional levels. One of such stakeholders was the Western Nigeria Marketing Board, who had a fixed deposit of 200,000 pounds with the bank.\n\nHowever, No success story is without its trials, and for Wema Bank, the challenges came early. Despite flourishing in its early years, Agbonmagbe Bank faced its first major hurdle in 1968 when the government required banks to recapitalize to meet the minimum requirement over a certain period.\n\nUnfortunately, this development came at a crucial point in the journey of Agbonmagbe Bank Limited, resulting in the bank being unable to meet up with its plans for raising foreign investments within the stipulated period. In an unexpected twist of fate, The Western Nigeria Marketing Board converted their fixed deposit of 200,000 pounds into shares, making the Board the majority shareholder in the bank and allowing the bank to keep on—only, this time, with the Board owning the bank. This lifechanging turn of events left Chief Matthew Okupe and his partners with a tough decision to make: hand over the reins or risk seeing their dream disappear. They chose to let the legacy continue, even if it meant losing control. This pivotal moment ensured that the bank would survive and continue its mission.\n\nTHE TOUGH DECISIONS ON THE ROAD TO SUCCESS: FROM AGBONMAGBE TO WEMA BANK PLC\n\nFor years after its establishment, Agbonmagbe Bank Limited thrived, providing financial services from two small rooms in Agbonmagbe Lodge, fortified with secure windows that kept documents and funds safe in a 4-foot safe high that stands as a banking industry relic today, still at Agbonmagbe Lodge. Those two rooms in Agbonmagbe Lodge served as the first branch, subsequently expanding to branches in Ebute-metta, Sagamu, Abeokuta and Ijebu-Igbo.\n\nIn 1969, Agbonmagbe Bank Limited evolved into Wema Bank Limited, a name that would eventually become synonymous with resilience and vision. As Nigeria moved into a new era, so too did the bank.\n\nAs digital evolution took effect on the economy in the later parts of the 1900s, industries were gradually forced to restructure and adapt over the coming years, and institutions that were unable to act fast and implement the necessary adjustments had no choice but to go into extinction. Hundreds of financial institutions fizzled out, but Wema Bank remained resilient, surviving through the decades and continuing to deliver financial services as a private entity. Sadly, Chief Matthew Okupe passed on in 1984, leaving behind the profound legacy of Nigeria’s oldest indigenous bank, a legacy which has continued to live on into its best decades.\n\nBy 1987, Wema Bank Limited became Wema Bank plc, becoming a public limited liability company that became listed on the Nigerian Stock Exchange in 1990 under the symbol WEMABANK. By February 2001, the Bank was granted a Universal Banking License by the Central Bank of Nigeria (CBN). By 2005, after the Soludo-led recapitalization exercise, Wema Bank merged with the then National Bank of Nigeria, acquiring National Bank and retaining the name, Wema Bank plc.\n\nEconomic turbulence in the early 2000s led to dramatic restructuring. This time, the decision was to scale back and focus on regaining strength. By 2009, Wema Bank received its regional banking authorisation and took a step back to refuel, knowing that it had the resilience to come back stronger.\n\nBECOMING WEMA BANK PLC - A REBIRTH & THE RISE OF DIGITAL INNOVATION\n\nIn the face of adversity, Wema Bank didn’t just survive—it reinvented itself. After years of restructuring, the bank rebranded itself as Nigeria’s most innovative bank, embracing technology as the future of banking. By 2015, Wema Bank regained its national banking license, ushering in a new chapter of growth and transformation.\n\nSlowly but surely, Wema Bank rebuilt itself over six years, restrategising with a new focus on innovation, customer centricity and transformation, thus rebranding from simply being Nigeria’s oldest indigenous bank and most resilient bank to also becoming the Bank we all know today as Nigeria’s most innovative bank.\n\nNigeria’s oldest indigenous bank soon began to spearhead a digital transformation in the banking industry, going beyond the Wema Mobile App, which stood on par with other mobile banking apps in the industry, to pioneering ALAT, the first fully digital bank in Africa.\n\nThis unexpected yet groundbreaking move shook the financial services industry, introducing a new era of banking where Nigerians could bank end-to-end without ever having to visit a physical branch. In its true nature of breaking new ground since birth, Wema Bank, within the past decade, has launched several industry firsts into the industry, leveraging its wealth of experience in the industry and its drive for innovation, futuristic and customer centric banking to discover new areas of need to provide solutions, meet needs and make remarkable impact.\n\nOver the past ten years, the Bank has introduced CoopHub, Nigeria’s first digital solution for cooperative societies; the ALAT Xplore App, Nigeria’s first licensed banking app for teenagers; ALATPay, an unparalleled payment gateway that streamlines the process of conducting transactions by eliminating the need for a middleman and providing instant settlement for business transactions on the gateway.\n\nBeyond pioneering innovation, Wema Bank has assumed the role of an enabler of innovation, empowering Nigerians to innovate on both individual and business levels. On the individual level, the Bank launched Hackaholics, its youth-focused hackathon that has empowered thousands of Nigerian youths to bring their innovative tech-driven ideas to life and become startup owners as early as their undergraduate years.\n\nThe Bank has also launched partnerships with the Federal Government of Nigeria to introduce the FGN-ALAT Digital Skillnovation Programme for Youth and Business Owners, as well as the National Youth Service Corps to introduce the NYSC-ALAT Digital Skillnovation Programme, addressing unemployment and underemployment by equipping youth with digital and business skills, financial and material resources, practical insights on how to become highly sought after in their careers, and job placements to ensure a smooth education to employment transition for them.\n\nCurrently, Wema Bank is a partner to over 80% of FINTECHs in the industry today, providing them with the infrastructure to operate and execute their operations.\n\nHaving experienced the evolution of Nigeria’s economic trends and witnessed first-hand its impact on lives and businesses, Wema Bank did the groundwork of reinventing itself to become stronger and now, the Bank is on a quest to empower Nigerians on all levels to earn a sustainable living, become economically active, thrive and contribute to the economy of the country as a whole.\n\nNaturally, Wema Bank’s customer base and financial performance have continued to skyrocket since its reinvention and with a foolproof strategy of constantly adapting and innovating to deliver optimum value, meet needs and generate unparalleled impact, Wema Bank is evidently headed for the top of Africa’s financial industry—and it is beyond doubt at this point, that the Bank is well equipped to do so.\n\nWEMA BANK AT 80: THE BEST IS YET TO COME\n\nFrom its humble beginnings in a bungalow to over 160 branches in 26 states, to becoming a trailblazer in Africa’s banking sector, Wema Bank has proven that with determination, innovation, and a people-first approach, anything is possible. For 80 years, the Bank has stood resilient, evolving, and empowering Nigerians across all walks of life.\n\nThe journey of Wema Bank stands deeply symbolic, representing the resilience of a Bank that rose in the depth of Nigeria’s colonial struggles as an indigenous and Nigerian-owned bank, surviving the worst to emerging one of the best.\n\nThe celebration of Wema Bank’s 80th anniversary is one that calls for national honour. It is the celebration of the transformative Bank that proved that Nigerian-owned businesses have the capacity to last. For 8 decades, Wema Bank has stood the test of time, weathering all storms, navigating all hurdles and defying all odds to stand strong at 80 years, proving that the sky is indeed its starting point.\n\nToday, Wema Bank is not just a bank—it’s an institution. An institution in the financial industry that believes in the power of individuals, businesses, and communities to rise, innovate, and make a difference. As it looks to the future, Wema Bank’s story is far from over. In fact, the best is yet to come.\n\nWema Bank, Nigeria’s foremost innovative financial institution and pioneer of Africa’s first fully digital bank, ALAT, has undergone a remarkable transformation over the past eight decades. Since its inception in 1945, Wema Bank has established itself as Nigeria's longest-surviving indigenous bank, consistently evolving to meet the needs of its customers while maintaining its relevance in the financial sector. From securing a commercial banking license in its founding year to its listing on the Nigerian Stock Exchange in 1990 and the acquisition of a Universal Banking License in 2001, Wema Bank’s trajectory has been marked by resilience, innovation, and strategic growth.The 1940s: Laying the FoundationWema Bank’s story began in 1945 when it was established as Agbonmagbe Bank Limited by Chief Mathew Adekoya Okupe, a prominent businessman and philanthropist. The Bank was founded with the primary objective of providing financial services to the people of Western Nigeria, particularly in the rural areas where access to banking was limited. At the time, Nigeria was still under British colonial rule, and the banking sector was dominated by foreign banks that catered primarily to the expatriate community and urban elites. Commencing operations with branches in Ebute-metta, Sagamu, Abeokuta, and Ijebu-Igbo, the Bank flourished under his leadership, focusing on serving the needs of local traders, farmers, and small businesses. The bank’s focus allowed it to build strong relationships with its customers and gain a deep understanding of the local economy.The 1960s: A New Era of Ownership and ExpansionLate 1960s, Nigeria had gained independence, and the country’s financial sector was undergoing significant changes. Recognizing the need for expansion and sustainability, the Western Nigeria Marketing Board acquired the Agbonmagba Bank in 1969 and renamed it Wema Bank Limited. This transition marked the beginning of a new era, bringing in fresh capital and a renewed focus on modernization and growth.The 1970s: National Ambitions and DiversificationThe 1970s were a time of optimism. During this decade, Wema Bank solidify its position in the Nigerian banking industry. Nigeria’s oil boom brought newfound wealth, and Wema Bank seized the opportunity and opened branches in Lagos, the bustling commercial hub, diversifying its product offerings, investing in new technologies, and gradually expanding into other regions. Here, Wema Bank was no longer just a Western Nigeria bank—it was becoming a national contender.One of the key milestones during this period was the Bank’s decision to expand beyond its regional base in Western Nigeria. In the 1970s, Wema Bank opened branches in other parts of the country, including Lagos, the commercial capital of Nigeria, and the northern and eastern regions. This expansion was driven by the bank’s ambition to become a national player and tap into the growing demand for banking services across the country.In addition to geographic expansion, Wema Bank also diversified its product portfolio to meet the changing needs of its customers. The Bank introduced new products and services, such as savings accounts, loans, and foreign exchange services, which helped it attract a broader customer base. The Bank also invested in new technologies, such as computerized banking systems, which improved its operational efficiency and customer service.The 1980s and 1990s: Transformation and ResilienceThe 1980s and 1990s represented a transformative period for Wema Bank as it began to look beyond its regional stronghold. Wema Bank embraced technological advancements, introduced more innovative banking products, and sought regulatory approvals to extend its services nationwide. In 1987, Wema Bank became a publicly quoted company on the Nigerian Stock Exchange (NSE), a significant step that provided the financial backing needed for its expansion efforts. The 1990s saw further growth, Wema Bank expanded its branch network beyond the Western Region into major cities such as Lagos, Abuja, and Port Harcourt. This decade was the transformative period for the Nigerian banking sector, presenting both challenges and opportunities. Amid economic shifts, regulatory changes, and industry-wide disruptions, Wema Bank demonstrated resilience and adaptability. While the bank encountered financial difficulties influenced by broader economic conditions, it seized the moment to refine its operations and strengthen its foundation.In the late 1990s, Wema Bank embarked on a comprehensive restructuring initiative aimed at enhancing financial stability, improving governance, and reinforcing customer trust. Through strategic recapitalization, the adoption of modern management practices, and the implementation of robust risk management controls, the Bank successfully repositioned itself for long-term growth. These proactive measures laid the groundwork for a stronger, more innovative institution ready to navigate the evolving financial landscape.The 2000s: Universal Banking and Strategic GrowthWema Bank’s commitment to growth and innovation was further reinforced in February 2001 when it received a Universal Banking License from the Central Bank of Nigeria (CBN), officially recognizing it as a bank capable of operating across all regions of Nigeria. This was a culmination of years of strategic planning and execution aimed at scaling up operations and meeting national banking requirements. This license allowed the Wema Bank to offer a broader range of financial services, including investment banking and asset management, solidifying its presence in the financial landscape.The 2008-2009 global financial crisis and Nigeria’s banking sector reforms brought a period of transformation for the industry. Demonstrating strategic foresight, Wema Bank took a decisive step in 2009 by adopting a regional banking license. This approach allowed the bank to streamline its operations, enhance efficiency, and focus on strengthening its core markets. While this shift temporarily concentrated its presence in 12 states, it provided a solid foundation for future growth and innovation, setting the stage for the bank’s eventual return to national prominence.Having put in the work, Wema Bank embarked on an aggressive recapitalization effort. By 2015, the bank successfully raised the required funds to upgrade its license to a national authorization, once again allowing it to operate across Nigeria. This marked the beginning of a transformative decade for Wema Bank, characterized by innovation, strategic partnerships, and digital banking solutions. While some banks struggled to meet the new capital requirements, Wema Bank leveraged its strong financial base and strategic partnerships to thrive.In the first two years of post-upgrade, Wema Bank engaged in strategic re-evaluation and innovation, aiming to deliver more robust solutions that positively impact the lives of our customers and support their diverse goals. This period laid the foundation for a decade characterized by progressive initiatives and unwavering dedication to service excellence. The turn of the millennium marked the beginning of a new era for Wema Bank, as the bank embraced the digital revolution and embarked on a journey of transformation.The rapid advancement of technology and the increasing adoption of digital banking services presented both opportunities and challenges for the bank. Recognizing these advancements in the banking sector and the shift in customer preferences towards digital banking, Wema Bank in 2027 launched ALAT, Africa’s first fully digital bank. ALAT revolutionized banking by offering seamless account opening, savings plans, virtual cards, and automated services, setting the bank apart as a digital banking pioneer. The launch of ALAT was a bold move that positioned Wema Bank as a forward-thinking institution, catering to a new generation of tech-savvy customers.ALAT’s introduction allowed customers to open accounts, transfer money, pay bills, access loans, and conduct transactions entirely online through their mobile devices, making banking more accessible and convenient. The platform quickly gained traction among young professionals and entrepreneurs, reinforcing Wema Bank’s reputation as an innovative and customer-centric institution.This period also saw Wema Bank expanding its service offerings to include financial technology (fintech) collaborations, SME banking solutions, and enhanced retail banking services. These initiatives were aimed at expanding the bank’s reach and making its services more accessible to customers, particularly in underserved areas. The bank also leveraged data analytics to enhance its customer insights and improve its decision-making processes.By the early 2020s, Wema Bank had established itself as a leading player in the Nigerian banking sector, with a strong presence in both the traditional and digital banking spaces. This innovation demonstrated Wema Bank's commitment to leading in the digital banking space while expanding its geographical footprint.One of the key approaches Wema Bank adopted in its quest to become a national bank was expanding its branch network and establishing a presence in key markets across the country. The bank opened new branches in strategic locations, particularly in the northern and eastern regions, where it had previously been underrepresented. This expansion was driven by the bank’s ambition to serve a broader customer base and tap into the growing demand for banking services in these regions.In addition to geographic expansion, Wema Bank also focused on strengthening its product offerings and customer service. The Bank introduced new products and services, such as SME loans, mortgage financing, and wealth management services, which were designed to meet the diverse needs of its customers. Looking Ahead: A Legacy of Resilience and Innovation with PossibilitiesWema Bank’s journey to a nationally recognized financial institution demonstrates the importance of adapting to changing market conditions while staying true to core values. As Bank continues to evolve, its experience shows that successful banking transformation requires a careful balance of traditional strengths with modern innovations.A review of the Bank’s journey reflects the achievements of significant milestones. A remarkable story of resilience, innovation, adaptability and strategic vision. Over the past eight decades, Wema Bank has remained committed to its mission of providing exceptional financial services to its customers and contributing to the development of the Nigerian economy.\n\nWema Bank, Nigeria’s foremost innovative financial institution and pioneer of Africa’s first fully digital bank, ALAT, has undergone a remarkable transformation over the past eight decades. Since its inception in 1945, Wema Bank has established itself as Nigeria's longest-surviving indigenous bank, consistently evolving to meet the needs of its customers while maintaining its relevance in the financial sector. From securing a commercial banking license in its founding year to its listing on the Nigerian Stock Exchange in 1990 and the acquisition of a Universal Banking License in 2001, Wema Bank’s trajectory has been marked by resilience, innovation, and strategic growth.\n\nThe 1940s: Laying the Foundation\n\nWema Bank’s story began in 1945 when it was established as Agbonmagbe Bank Limited by Chief Mathew Adekoya Okupe, a prominent businessman and philanthropist. The Bank was founded with the primary objective of providing financial services to the people of Western Nigeria, particularly in the rural areas where access to banking was limited. At the time, Nigeria was still under British colonial rule, and the banking sector was dominated by foreign banks that catered primarily to the expatriate community and urban elites. Commencing operations with branches in Ebute-metta, Sagamu, Abeokuta, and Ijebu-Igbo, the Bank flourished under his leadership, focusing on serving the needs of local traders, farmers, and small businesses. The bank’s focus allowed it to build strong relationships with its customers and gain a deep understanding of the local economy.\n\nThe 1960s: A New Era of Ownership and Expansion\n\nLate 1960s, Nigeria had gained independence, and the country’s financial sector was undergoing significant changes. Recognizing the need for expansion and sustainability, the Western Nigeria Marketing Board acquired the Agbonmagba Bank in 1969 and renamed it Wema Bank Limited. This transition marked the beginning of a new era, bringing in fresh capital and a renewed focus on modernization and growth.\n\nThe 1970s: National Ambitions and Diversification\n\nThe 1970s were a time of optimism. During this decade, Wema Bank solidify its position in the Nigerian banking industry. Nigeria’s oil boom brought newfound wealth, and Wema Bank seized the opportunity and opened branches in Lagos, the bustling commercial hub, diversifying its product offerings, investing in new technologies, and gradually expanding into other regions. Here, Wema Bank was no longer just a Western Nigeria bank—it was becoming a national contender.\n\nOne of the key milestones during this period was the Bank’s decision to expand beyond its regional base in Western Nigeria. In the 1970s, Wema Bank opened branches in other parts of the country, including Lagos, the commercial capital of Nigeria, and the northern and eastern regions. This expansion was driven by the bank’s ambition to become a national player and tap into the growing demand for banking services across the country.\n\nIn addition to geographic expansion, Wema Bank also diversified its product portfolio to meet the changing needs of its customers. The Bank introduced new products and services, such as savings accounts, loans, and foreign exchange services, which helped it attract a broader customer base. The Bank also invested in new technologies, such as computerized banking systems, which improved its operational efficiency and customer service.\n\nThe 1980s and 1990s: Transformation and Resilience\n\nThe 1980s and 1990s represented a transformative period for Wema Bank as it began to look beyond its regional stronghold. Wema Bank embraced technological advancements, introduced more innovative banking products, and sought regulatory approvals to extend its services nationwide. In 1987, Wema Bank became a publicly quoted company on the Nigerian Stock Exchange (NSE), a significant step that provided the financial backing needed for its expansion efforts.\n\nThe 1990s saw further growth, Wema Bank expanded its branch network beyond the Western Region into major cities such as Lagos, Abuja, and Port Harcourt. This decade was the transformative period for the Nigerian banking sector, presenting both challenges and opportunities. Amid economic shifts, regulatory changes, and industry-wide disruptions, Wema Bank demonstrated resilience and adaptability. While the bank encountered financial difficulties influenced by broader economic conditions, it seized the moment to refine its operations and strengthen its foundation.\n\nIn the late 1990s, Wema Bank embarked on a comprehensive restructuring initiative aimed at enhancing financial stability, improving governance, and reinforcing customer trust. Through strategic recapitalization, the adoption of modern management practices, and the implementation of robust risk management controls, the Bank successfully repositioned itself for long-term growth. These proactive measures laid the groundwork for a stronger, more innovative institution ready to navigate the evolving financial landscape.\n\nThe 2000s: Universal Banking and Strategic Growth\n\nWema Bank’s commitment to growth and innovation was further reinforced in February 2001 when it received a Universal Banking License from the Central Bank of Nigeria (CBN), officially recognizing it as a bank capable of operating across all regions of Nigeria. This was a culmination of years of strategic planning and execution aimed at scaling up operations and meeting national banking requirements. This license allowed the Wema Bank to offer a broader range of financial services, including investment banking and asset management, solidifying its presence in the financial landscape.\n\nThe 2008-2009 global financial crisis and Nigeria’s banking sector reforms brought a period of transformation for the industry. Demonstrating strategic foresight, Wema Bank took a decisive step in 2009 by adopting a regional banking license. This approach allowed the bank to streamline its operations, enhance efficiency, and focus on strengthening its core markets. While this shift temporarily concentrated its presence in 12 states, it provided a solid foundation for future growth and innovation, setting the stage for the bank’s eventual return to national prominence.\n\nHaving put in the work, Wema Bank embarked on an aggressive recapitalization effort. By 2015, the bank successfully raised the required funds to upgrade its license to a national authorization, once again allowing it to operate across Nigeria. This marked the beginning of a transformative decade for Wema Bank, characterized by innovation, strategic partnerships, and digital banking solutions. While some banks struggled to meet the new capital requirements, Wema Bank leveraged its strong financial base and strategic partnerships to thrive.\n\nIn the first two years of post-upgrade, Wema Bank engaged in strategic re-evaluation and innovation, aiming to deliver more robust solutions that positively impact the lives of our customers and support their diverse goals. This period laid the foundation for a decade characterized by progressive initiatives and unwavering dedication to service excellence. The turn of the millennium marked the beginning of a new era for Wema Bank, as the bank embraced the digital revolution and embarked on a journey of transformation.\n\nThe rapid advancement of technology and the increasing adoption of digital banking services presented both opportunities and challenges for the bank. Recognizing these advancements in the banking sector and the shift in customer preferences towards digital banking, Wema Bank in 2027 launched ALAT, Africa’s first fully digital bank. ALAT revolutionized banking by offering seamless account opening, savings plans, virtual cards, and automated services, setting the bank apart as a digital banking pioneer. The launch of ALAT was a bold move that positioned Wema Bank as a forward-thinking institution, catering to a new generation of tech-savvy customers.\n\nALAT’s introduction allowed customers to open accounts, transfer money, pay bills, access loans, and conduct transactions entirely online through their mobile devices, making banking more accessible and convenient. The platform quickly gained traction among young professionals and entrepreneurs, reinforcing Wema Bank’s reputation as an innovative and customer-centric institution.\n\nThis period also saw Wema Bank expanding its service offerings to include financial technology (fintech) collaborations, SME banking solutions, and enhanced retail banking services. These initiatives were aimed at expanding the bank’s reach and making its services more accessible to customers, particularly in underserved areas. The bank also leveraged data analytics to enhance its customer insights and improve its decision-making processes.\n\nBy the early 2020s, Wema Bank had established itself as a leading player in the Nigerian banking sector, with a strong presence in both the traditional and digital banking spaces. This innovation demonstrated Wema Bank's commitment to leading in the digital banking space while expanding its geographical footprint.\n\nOne of the key approaches Wema Bank adopted in its quest to become a national bank was expanding its branch network and establishing a presence in key markets across the country. The bank opened new branches in strategic locations, particularly in the northern and eastern regions, where it had previously been underrepresented. This expansion was driven by the bank’s ambition to serve a broader customer base and tap into the growing demand for banking services in these regions.\n\nIn addition to geographic expansion, Wema Bank also focused on strengthening its product offerings and customer service. The Bank introduced new products and services, such as SME loans, mortgage financing, and wealth management services, which were designed to meet the diverse needs of its customers.\n\nLooking Ahead: A Legacy of Resilience and Innovation with Possibilities\n\nWema Bank’s journey to a nationally recognized financial institution demonstrates the importance of adapting to changing market conditions while staying true to core values. As Bank continues to evolve, its experience shows that successful banking transformation requires a careful balance of traditional strengths with modern innovations.\n\nA review of the Bank’s journey reflects the achievements of significant milestones. A remarkable story of resilience, innovation, adaptability and strategic vision. Over the past eight decades, Wema Bank has remained committed to its mission of providing exceptional financial services to its customers and contributing to the development of the Nigerian economy.\n\nNigeria’s banking landscape has transformed significantly over the past century. From an era dominated by foreign financial institutions to one where indigenous bank, Wema Bank now set the pace. The journey has been one of resilience, innovation, and adaptation. At the heart of this transformation stands Wema Bank, Nigeria’s oldest indigenous bank, which has not only witnessed but actively shaped the country’s financial evolution for the past 80 years.Founded in 1945 as Agbonmagbe Bank, Wema Bank has grown from a modest financial institution into a key player in the Nigerian banking sector. This journey, spanning eight decades, mirrors Nigeria’s broader economic history—marked by colonial influences, post-independence aspirations, regulatory shifts, and digital transformation. As Wema Bank celebrates its 80th anniversary come May 2nd, 2025, it provides an opportunity to reflect on how far banking has come in Nigeria and the crucial role the institution has played in shaping the financial ecosystem.The early days of banking in Nigeria were defined by the dominance of British-controlled financial institutions such as the Bank of British West Africa (BBWA, now First Bank) and Barclays Bank (now Union Bank). The absence of credit facilities for local businesses created a major gap in the financial system and economic growth among Nigerians.Against this, the emergence of indigenous banks became a necessity rather than a choice. The establishment of Agbonmagbe Bank in 1945 by Chief Mathew Adekoya Agbonmagbe Okupe was a bold response to this financial exclusion. The bank sought to provide accessible financial services to Nigerian traders, farmers, and small business owners who had long been marginalized by the colonians.At the time, many Nigerians relied on informal savings and credit systems such as Esusu and cooperative societies. While these systems played a critical role in sustaining local economies, they lacked the structure, security, and scale required to drive large-scale economic development. Agbonmagbe Bank, and other indigenous banks that followed, filled this gap by offering formal banking services tailored to the needs of Nigerians.Nigeria’s independence in 1960 marked a turning point in the banking sector. The new government recognized the importance of financial institutions in nation-building and actively promoted the establishment and expansion of indigenous banks. This period saw a surge in banking activities, with new policies aimed at ensuring that local businesses and individuals had access to financial services.Wema Bank, then Agbonmagbe Bank, played a critical role in this new financial landscape. The Western Regional Government under Chief Obafemi Awolowo strongly supported the bank, ensuring that government institutions and businesses patronized its services. This strategic partnership allowed the bank to grow rapidly, expanding its branch network and deepening its reach within the southwestern region of Nigeria.In 1969, the bank rebranded as Wema Bank, a move that signified its ambition to operate on a broader scale. This change was part of a larger transformation within Nigeria’s banking sector, as indigenous banks sought to modernize their operations and compete with their foreign counterparts.The 1970s and 1980s were periods of significant economic change in Nigeria. The oil boom of the 1970s brought unprecedented revenue, but the subsequent economic downturn in the 1980s exposed structural weaknesses in the financial system. Many banks struggled with liquidity issues, poor management, and regulatory non-compliance, leading to the collapse of several indigenous financial institutions.Wema Bank, however, demonstrated remarkable resilience during this period. By adopting prudent financial management practices and aligning with regulatory requirements, the bank managed to stay afloat while many of its peers faltered.The introduction of the Structural Adjustment Program (SAP) in 1986 by the military government further reshaped the banking sector. SAP led to the liberalization of the financial industry, encouraging the establishment of more banks and increasing competition. This period saw the proliferation of new-generation banks that introduced modern banking practices, forcing older institutions to innovate or risk becoming obsolete.Wema Bank adapted to these changes by expanding its services, improving customer experience, and leveraging technology to enhance its operations. The bank’s ability to evolve with the times cemented its status as a key player in Nigeria’s banking industry.The early 2000s ushered in yet another wave of transformation in Nigeria’s banking industry. The Central Bank of Nigeria (CBN), under Governor Charles Soludo, introduced a major banking consolidation exercise in 2005, raising the minimum capital requirement for banks from ?2 billion to ?25 billion. This policy led to a series of mergers, acquisitions, and the outright collapse of weaker banks.Wema Bank, in its determination to survive, made a strategic decision to transform into a regional bank, allowing it to operate within a defined geographical area while maintaining financial stability. This move allowed the bank to restructure its operations and focus on delivering quality financial services.However, Wema Bank’s most groundbreaking transformation came in 2017 with the launch of ALAT, Nigeria’s first fully digital bank. At a time when fintech startups were disrupting traditional banking models, Wema Bank took the bold step of embracing digital innovation. ALAT revolutionized banking in Nigeria by offering a seamless, branchless banking experience that catered to tech-savvy customers.This innovation positioned Wema Bank as a leader in digital banking, demonstrating its ability to not just adapt to change but also set new industry standards. The success of ALAT underscored the bank’s commitment to financial inclusion, ensuring that banking services were accessible to a broader segment of the population, including those in underserved communities.Wema Bank at 80: A Journey of Impact and a Future of PossibilitiesAs Wema Bank celebrates its 80th anniversary, its legacy is one of resilience, adaptability, and impact. The bank has not only survived multiple economic crises and regulatory changes but has also remained at the forefront of financial innovation.Today, Wema Bank continues to play a pivotal role in Nigeria’s economy, supporting businesses, empowering individuals, and driving digital transformation. Its journey from a small indigenous bank to a national financial powerhouse reflects the broader evolution of Nigeria’s banking industry.The story of Wema Bank is also a testament to the power of vision and perseverance. From the determination of its founder, Chief Mathew Adekoya Agbonmagbe Okupe, to the bold decisions made by its leadership over the years, the bank has consistently demonstrated its ability to navigate challenges and seize new opportunities.Looking ahead, the future of banking in Nigeria will be shaped by digital innovation, regulatory dynamics, and shifting consumer expectations. As fintech continues to disrupt traditional banking models, institutions like Wema Bank must continue to embrace change, leverage technology, and prioritize customer-centric solutions.Wema Bank’s 80-year journey is not just a story of survival but one of leadership and transformation. As the bank moves into the next phase of its growth, it remains committed to driving financial inclusion, enhancing digital banking experiences, and contributing to Nigeria’s economic prosperity.At 80, Wema Bank stands as a symbol of what is possible when resilience meets innovation. Its legacy is secure, but the journey continues—one that will undoubtedly shape the future of banking in Nigeria for generations to come.\n\nNigeria’s banking landscape has transformed significantly over the past century. From an era dominated by foreign financial institutions to one where indigenous bank, Wema Bank now set the pace. The journey has been one of resilience, innovation, and adaptation. At the heart of this transformation stands Wema Bank, Nigeria’s oldest indigenous bank, which has not only witnessed but actively shaped the country’s financial evolution for the past 80 years.\n\nFounded in 1945 as Agbonmagbe Bank, Wema Bank has grown from a modest financial institution into a key player in the Nigerian banking sector. This journey, spanning eight decades, mirrors Nigeria’s broader economic history—marked by colonial influences, post-independence aspirations, regulatory shifts, and digital transformation. As Wema Bank celebrates its 80th anniversary come May 2nd, 2025, it provides an opportunity to reflect on how far banking has come in Nigeria and the crucial role the institution has played in shaping the financial ecosystem.\n\nThe early days of banking in Nigeria were defined by the dominance of British-controlled financial institutions such as the Bank of British West Africa (BBWA, now First Bank) and Barclays Bank (now Union Bank). The absence of credit facilities for local businesses created a major gap in the financial system and economic growth among Nigerians.\n\nAgainst this, the emergence of indigenous banks became a necessity rather than a choice. The establishment of Agbonmagbe Bank in 1945 by Chief Mathew Adekoya Agbonmagbe Okupe was a bold response to this financial exclusion. The bank sought to provide accessible financial services to Nigerian traders, farmers, and small business owners who had long been marginalized by the colonians.\n\nAt the time, many Nigerians relied on informal savings and credit systems such as Esusu and cooperative societies. While these systems played a critical role in sustaining local economies, they lacked the structure, security, and scale required to drive large-scale economic development. Agbonmagbe Bank, and other indigenous banks that followed, filled this gap by offering formal banking services tailored to the needs of Nigerians.\n\nNigeria’s independence in 1960 marked a turning point in the banking sector. The new government recognized the importance of financial institutions in nation-building and actively promoted the establishment and expansion of indigenous banks. This period saw a surge in banking activities, with new policies aimed at ensuring that local businesses and individuals had access to financial services.\n\nWema Bank, then Agbonmagbe Bank, played a critical role in this new financial landscape. The Western Regional Government under Chief Obafemi Awolowo strongly supported the bank, ensuring that government institutions and businesses patronized its services. This strategic partnership allowed the bank to grow rapidly, expanding its branch network and deepening its reach within the southwestern region of Nigeria.\n\nIn 1969, the bank rebranded as Wema Bank, a move that signified its ambition to operate on a broader scale. This change was part of a larger transformation within Nigeria’s banking sector, as indigenous banks sought to modernize their operations and compete with their foreign counterparts.\n\nThe 1970s and 1980s were periods of significant economic change in Nigeria. The oil boom of the 1970s brought unprecedented revenue, but the subsequent economic downturn in the 1980s exposed structural weaknesses in the financial system. Many banks struggled with liquidity issues, poor management, and regulatory non-compliance, leading to the collapse of several indigenous financial institutions.\n\nWema Bank, however, demonstrated remarkable resilience during this period. By adopting prudent financial management practices and aligning with regulatory requirements, the bank managed to stay afloat while many of its peers faltered.\n\nThe introduction of the Structural Adjustment Program (SAP) in 1986 by the military government further reshaped the banking sector. SAP led to the liberalization of the financial industry, encouraging the establishment of more banks and increasing competition. This period saw the proliferation of new-generation banks that introduced modern banking practices, forcing older institutions to innovate or risk becoming obsolete.\n\nWema Bank adapted to these changes by expanding its services, improving customer experience, and leveraging technology to enhance its operations. The bank’s ability to evolve with the times cemented its status as a key player in Nigeria’s banking industry.\n\nThe early 2000s ushered in yet another wave of transformation in Nigeria’s banking industry. The Central Bank of Nigeria (CBN), under Governor Charles Soludo, introduced a major banking consolidation exercise in 2005, raising the minimum capital requirement for banks from ?2 billion to ?25 billion. This policy led to a series of mergers, acquisitions, and the outright collapse of weaker banks.\n\nWema Bank, in its determination to survive, made a strategic decision to transform into a regional bank, allowing it to operate within a defined geographical area while maintaining financial stability. This move allowed the bank to restructure its operations and focus on delivering quality financial services.\n\nHowever, Wema Bank’s most groundbreaking transformation came in 2017 with the launch of ALAT, Nigeria’s first fully digital bank. At a time when fintech startups were disrupting traditional banking models, Wema Bank took the bold step of embracing digital innovation. ALAT revolutionized banking in Nigeria by offering a seamless, branchless banking experience that catered to tech-savvy customers.\n\nThis innovation positioned Wema Bank as a leader in digital banking, demonstrating its ability to not just adapt to change but also set new industry standards. The success of ALAT underscored the bank’s commitment to financial inclusion, ensuring that banking services were accessible to a broader segment of the population, including those in underserved communities.\n\nWema Bank at 80: A Journey of Impact and a Future of Possibilities\n\nAs Wema Bank celebrates its 80th anniversary, its legacy is one of resilience, adaptability, and impact. The bank has not only survived multiple economic crises and regulatory changes but has also remained at the forefront of financial innovation.\n\nToday, Wema Bank continues to play a pivotal role in Nigeria’s economy, supporting businesses, empowering individuals, and driving digital transformation. Its journey from a small indigenous bank to a national financial powerhouse reflects the broader evolution of Nigeria’s banking industry.\n\nThe story of Wema Bank is also a testament to the power of vision and perseverance. From the determination of its founder, Chief Mathew Adekoya Agbonmagbe Okupe, to the bold decisions made by its leadership over the years, the bank has consistently demonstrated its ability to navigate challenges and seize new opportunities.\n\nLooking ahead, the future of banking in Nigeria will be shaped by digital innovation, regulatory dynamics, and shifting consumer expectations. As fintech continues to disrupt traditional banking models, institutions like Wema Bank must continue to embrace change, leverage technology, and prioritize customer-centric solutions.\n\nWema Bank’s 80-year journey is not just a story of survival but one of leadership and transformation. As the bank moves into the next phase of its growth, it remains committed to driving financial inclusion, enhancing digital banking experiences, and contributing to Nigeria’s economic prosperity.\n\nAt 80, Wema Bank stands as a symbol of what is possible when resilience meets innovation. Its legacy is secure, but the journey continues—one that will undoubtedly shape the future of banking in Nigeria for generations to come.\n\nHow It All BeganWema Bank, founded by the late Chief Matthew Adekoya Okupe, is an indigenous financial institution created by dint of hard work, modesty, resilience and innovation, was formerly known as Agbonmagbe Bank. Prior to its establishment, the financial institution which is now known as Wema Bank, had gained huge patronage of many people and entities. One of these entities was the Western Marketing Board. At one point, the Western Marketing Board (WMB) had deposited close to 200,000 pounds in a fixed deposit account in Agbonmagbe Bank.It happened that at that time, the money was converted into shares and coincidentally, the government raised the capital base of banks at that period. But unfortunately, the time was too short for the bank to raise that money to meet the condition set by the government, the Western Marketing Board decided to convert the money it saved in a fixed account in Agbonmagbe Bank to shares and on converting the money, automatically become the majority shareholder and thereafter took over the bank.According to Alaba Adegboyega Okupe, the eldest surviving son of the late founder of  Wema Bank, Chief Matthew Adekoya Okupe, who witnessed the bank’s transformation stated that the bank thereafter changed its name from Agbonmagbe Bank to Wema Bank and that the bank was duly incorporated on May 2, 1945. Alaba added that the bank commenced operations as a legally licensed bank two days later. He also said that the bank which is today known as Wema Bank started from a very humble and modest beginning has made a name for itself not just as Nigeria’s oldest indigenous and most resilient bank but also a beacon of hope and empowerment for Nigerians. He submitted that Wema Bank has transformed from championing innovative solutions that bridge gaps to delivering of practical and impactful services to banking the unbanked across the length and breadth of Nigeria, thereby setting the pace for other the banking industry to thrive and empower the next generation.Comments By the surviving Eldest Son of the Founder of Wema BankAccording to him, “I believe that Wema Bank is equipped to carry for another century, perhaps even more. I see the work Wema Bank is doing and it is highly commendable to say the least. The bank had previously reached about a decade ago during its 70th anniversary celebration in 2015, extending an invitation to us to attend the event and Wema bank made a courteous gesture by giving us 2,000,000 of ordinary shares of 50 kobo each which is commendable.’“More recently, I got a visit from some of the staff and executive of Wema Bank and we had some very insightful discussions and they also extended a verbal invitation to us to the 80th anniversary celebration ahead of the physical invitation. I look forward to celebrating this great milestone with Wema Bank “Honestly, I am happy and grateful to be alive in my 80s to see the vision that my father foresaw in 1945 also become 80 years strong. What my father’s trailblazing act of service to his indigenous people has not only grown to become the longest standing indigenous bank in Nigeria but also a trailblazer in innovative banking and financial services. It is a beautiful thing to see such resilience, growth and impactful transformation “It is a pleasure to see that Wema Bank is flourishing and growing from strength to strength. It is God who implanted the idea in 1945 and it was from a humble beginning. I wish Wema Bank a happy 80th anniversary. More grease to your elbows, future developments and limitless growth. The sky is your stepping stone.” He concluded.Beyond the above, the bank has achieved some milestones, which includes : the renaming of the of the bank from Agbonmagbe bank to Wema Bank in 1969, securing regional banking in 2009, transition to a national bank in 2015 and pioneered Africa’s first fully digital bank with the introduction of ALAT F Former Chairman, Board of Director’s, Adeyinka Asekun Testament Also speaking on the Wema Bank At 80: A Testament To Growth, Innovation And Legacy, the former Chairman of the Board of Directors, Wema Bank (December 2012 to May 2017), Adeyinka Asekun, stated that he was at Wema Bank during at a time he described as not only a consequential period but also a period that was very pivotal to the making or the breaking of the bank. He added that it was a time of great challenge in Wema Bank and that he believed God helped the institution to overcome the challenge.“I always like to recall that during that period, there were several key things that took place that were important and I give the credit to the management and the board. The management was very professional, very focused, very disciplined, and capable of thinking strategically. The board on its part was very cohesive, very united, and very trusting. The board trusted members trusted one another, which I thought was important. So several key things took place. The first thing I would like to mention is that the bank was able to recapitalise. We had a problem with capital, which was resolved. We were able to get a strategic investor. We were able to recapitalise the bank. That was one. “The second thing is that during that period we returned to profitability. The bank had been making losses but during that period we were able to start making a profit again. During that period the bank was able to upgrade from a regional banking license to a national banking license which also was a very, very significant thing.“During that period also, exactly to be precise, when the bank turned 70 in 2015, we were able to rebrand the bank and breathe fresh life into the brand. So from previously looking like a grandfather bank, we became a more vibrant, dynamic bank,” he said Major MilestonesAdeyinka posited that the final thing which happened before he stepped down as Chairman in 2017 was that on May 2, 2017, when the bank turned 72 years old, it launched Nigeria’s first fully digital bank; ALAT, which according to him was in a sense the crowning glory of that period. He pointed out that it was a very pivotal time during the affairs of the bank, and it changed the trajectory of the bank altogether.“I look back at that period with fondness. I went on to become Nigeria’s High Commissioner to Canada, which I did for another six years. But I look back at this period with great fondness. I am really thrilled with the management; I describe the management in very glowing terms, and it is for a reason. I think the results speak for themselves. “Beyond the profitability, you are looking at viability. You are looking at a bank which has redefined itself. The bank has been transformed.” he said.  Speaking further on the bank’s innovation ALAT, Adeyinka said, “ALAT has won all manner of awards, over 30 awards, for being surely innovative, and successful, and impactful. And Wema Bank ‘s transformation is being studied as a case study in Lagos Business School and the George Business School, University of Cambridge.”Still speaking on innovation, the former Chairman said that Wema Bank was able to survive, make profit and return to viability despite the challenges.“We were once again a viable growing concern. But you need to move beyond just surviving. How do you now thrive? And we were in an industry that had a lot of very heavy hitters. There were some banks with massive balance sheets that were obviously able to do all kinds of big transactions and big business. So we needed to define a niche for ourselves where we could be viable and thrive and technology was a means to an end because by that time one of the challenges the bank faced was that it needed to capture a younger target market. And what did those people require? “They required convenience. They required solutions that were nimble and worked for them. Technology was a means to an end. Technology was our means of being able to reach out to these people and meet their needs because you are looking at a generation that is very tech-savvy. We know that the youths who are at the bulk of our population are very much into technology. But the idea was to get the right technology so it is not just about deploying technology but deploying it properly. And a digital bank made a lot of sense. “There was a lot of research that was done by the bank. It was not just a question of pie in the sky. There was research that was conducted that made it quite clear that the digital bank was something that the market was waiting for. And ALAT was birthed.” Adeyinka said.The future of Wema Bank he insisted, is very, very bright, as the bank has displayed an ability to reinvent itself and an ability to innovate, adding that its ability to innovate is very, very important and that the bank has shown itself able to do that.According to him, “If you look at what the bank has done, you look at ALAT for Business, you look at SARA, ALAT Xplore, Coop Hub, Hackaholics etc. you see an ongoing effort to keep on doing new things, to take on new segments, and meet new needs. And as far as you keep the customer as your focus and the center of what you are doing, the sky is the limit. The bank has also shown itself to be able to respond quickly to situations and circumstances. So, I am very, very optimistic about the future for the bank.” Wema Bank’s Legacy On Wema Bank’s legacy, the ex-Chairman of the Board of Directors posited that several banks have gone under between the year 1988 till the 2017, when he stepped down as the Chairman of Wema Bank, adding that Wema Bank over the years has not only deployed technology to make its operation seamless but that beyond that it has also embraced innovation which, he said has won several awards because of its acceptance.He commended the bank for weathering the regulatory storm and for demonstrating resilience and adaptability to operate for 80 years, adding that the feat is an uncommon one and deserves commendation for the enviable legacy “In looking at an industry, if you look at the number of banks, I worked in the banking industry effectively from November 1988 till I stepped down as chairman of Wema from 2017. The number of banks that I have seen that have failed in Nigeria, and I can think of at least 79 banks that have failed. So, for a bank to be around for 80 years is a legacy. It is something to look back at with a lot of pride and to hope that the future will certainly be bright, and I believe it will be.Congratulating Wema Bank on its 80th anniversary celebration, Adeyinka said, “I say 80 looks good. I say the best is yet to come. I say that we have achieved a lot of things in the past, but the future is much brighter. Keep on innovating. Keep on keeping the customer at the focus and keep on winning. God bless”\n\nWema Bank, founded by the late Chief Matthew Adekoya Okupe, is an indigenous financial institution created by dint of hard work, modesty, resilience and innovation, was formerly known as Agbonmagbe Bank. Prior to its establishment, the financial institution which is now known as Wema Bank, had gained huge patronage of many people and entities.\n\nOne of these entities was the Western Marketing Board. At one point, the Western Marketing Board (WMB) had deposited close to 200,000 pounds in a fixed deposit account in Agbonmagbe Bank.\n\nIt happened that at that time, the money was converted into shares and coincidentally, the government raised the capital base of banks at that period. But unfortunately, the time was too short for the bank to raise that money to meet the condition set by the government, the Western Marketing Board decided to convert the money it saved in a fixed account in Agbonmagbe Bank to shares and on converting the money, automatically become the majority shareholder and thereafter took over the bank.\n\nAccording to Alaba Adegboyega Okupe, the eldest surviving son of the late founder of  Wema Bank, Chief Matthew Adekoya Okupe, who witnessed the bank’s transformation stated that the bank thereafter changed its name from Agbonmagbe Bank to Wema Bank and that the bank was duly incorporated on May 2, 1945. Alaba added that the bank commenced operations as a legally licensed bank two days later.\n\nHe also said that the bank which is today known as Wema Bank started from a very humble and modest beginning has made a name for itself not just as Nigeria’s oldest indigenous and most resilient bank but also a beacon of hope and empowerment for Nigerians.\n\nHe submitted that Wema Bank has transformed from championing innovative solutions that bridge gaps to delivering of practical and impactful services to banking the unbanked across the length and breadth of Nigeria, thereby setting the pace for other the banking industry to thrive and empower the next generation.\n\nComments By the surviving Eldest Son of the Founder of Wema Bank\n\nAccording to him, “I believe that Wema Bank is equipped to carry for another century, perhaps even more. I see the work Wema Bank is doing and it is highly commendable to say the least. The bank had previously reached about a decade ago during its 70th anniversary celebration in 2015, extending an invitation to us to attend the event and Wema bank made a courteous gesture by giving us 2,000,000 of ordinary shares of 50 kobo each which is commendable.’\n\n“More recently, I got a visit from some of the staff and executive of Wema Bank and we had some very insightful discussions and they also extended a verbal invitation to us to the 80th anniversary celebration ahead of the physical invitation. I look forward to celebrating this great milestone with Wema Bank"
  },
  {
    "url": "https://wemabank.com/wemaat80/announcements",
    "title": "WEMA Bank at 80 Announcements",
    "meta_description": "Here are some frequently asked questions about Wema Bank at 80.",
    "text": "Wema Bank has kicked off its 80th-anniversary celebration with the launch of its “80 Years of Spreading Love” Valentine campaign, running from February 1st to 28th, 2024. This campaign is the first in a series of exciting activities leading up to the bank’s grand 80th anniversary on May 2, 2025, and is designed to reward customer loyalty, strengthen connections, and create unforgettable experiences through 80 Acts of Love.With rewards tailored for every customer segment, Wema Bank is rolling out ?11,000,000 in cash prizes, gift cards, movie tickets, spa treatments, fitness access, and Uber vouchers for young professionals and students. Women and families will enjoy free SARA health consultations, business promotions, and networking opportunities, while Diaspora and Prestige customers can access discounted loans, cashback rewards, and priority banking services. SMEs and entrepreneurs aren’t left out, as they’ll benefit from free delivery services, business training sessions, Meta advert credits, and promotional support, alongside up to 15% off CIG Motors products and 5% off Green Asset products with free StarTimes decoders and a six-month subscription.The “80 Years of Spreading Love” campaign is just the beginning of a year-long celebration honoring the customers who have journeyed with Wema Bank over the past eight decades. To take part in the rewards, customers simply need to download ALAT and follow Wema Bank on social media for updates on exclusive benefits throughout the season of love.\n\nWema Bank has kicked off its 80th-anniversary celebration with the launch of its “80 Years of Spreading Love” Valentine campaign, running from February 1st to 28th, 2024. This campaign is the first in a series of exciting activities leading up to the bank’s grand 80th anniversary on May 2, 2025, and is designed to reward customer loyalty, strengthen connections, and create unforgettable experiences through 80 Acts of Love.\n\nWith rewards tailored for every customer segment, Wema Bank is rolling out ?11,000,000 in cash prizes, gift cards, movie tickets, spa treatments, fitness access, and Uber vouchers for young professionals and students. Women and families will enjoy free SARA health consultations, business promotions, and networking opportunities, while Diaspora and Prestige customers can access discounted loans, cashback rewards, and priority banking services. SMEs and entrepreneurs aren’t left out, as they’ll benefit from free delivery services, business training sessions, Meta advert credits, and promotional support, alongside up to 15% off CIG Motors products and 5% off Green Asset products with free StarTimes decoders and a six-month subscription.\n\nThe “80 Years of Spreading Love” campaign is just the beginning of a year-long celebration honoring the customers who have journeyed with Wema Bank over the past eight decades. To take part in the rewards, customers simply need to download ALAT and follow Wema Bank on social media for updates on exclusive benefits throughout the season of love.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/wemaat80/faqs",
    "title": "WEMA Bank at 80 FAQs",
    "meta_description": "Here are some frequently asked questions about Wema Bank at 80.",
    "text": "A: Wema Bank’s 80th anniversary is a celebration of resilience, innovation, and excellence. Since its establishment in 1945 as Agbonmagbe Bank, the bank has transformed into Nigeria’s longest-surviving indigenous bank, pioneering digital banking and financial inclusion while empowering individuals, businesses, and communities.\n\nA: Wema Bank started as Agbonmagbe Bank, rebranded to Wema Bank Limited in 1969, and has since grown from a regional to a national bank, achieving a series of milestones, including the launch of ALAT—Africa’s first fully digital bank. The bank has consistently adapted to industry trends, expanded its services, and championed groundbreaking innovations in finance and technology.\n\nA: Wema Bank is Nigeria’s most innovative bank, leading digital transformation with ALAT, the first fully digital bank in Africa. The bank has also introduced Phygital branches, empowering customers with self-service banking while maintaining human touchpoints. Beyond banking, Wema Bank is deeply committed to entrepreneurship, financial inclusion, and social impact through programs like SARA by Wema, Hackaholics, and the FGN/ALAT Digital Skillnovation Program.\n\nA: Wema Bank has played a pivotal role in advancing digital banking in Nigeria with the launch of ALAT in 2017. ALAT revolutionized the industry by offering a seamless, fully digital banking experience—enabling instant account opening, virtual cards, automated savings, and flexible loans without visiting a physical branch. Wema Bank has continued to innovate, integrating technology to improve financial access and convenience.\n\nA: Wema Bank is committed to empowering individuals, SMEs, and startups through various initiatives, including:\n\nA: Wema Bank is at the forefront of financial inclusion, leveraging ALAT to provide accessible banking services to underserved and unbanked populations across Nigeria. The bank has also introduced branchless banking solutions and digital products to ensure that banking services reach rural communities, SMEs, and non-traditional banking customers. Through ALAT’s ingenuity, Wema Bank has birthed innovative solutions like ALAT for Business, ALAT Pay, ALAT Xplore, and CoopHub, expanding financial access for businesses, young Nigerians, cooperatives, and digital-first customers.\n\nA: Wema Bank aligns with the United Nations’ Sustainable Development Goals (SDGs), driving impactful programs in financial inclusion, education, gender equality, and environmental sustainability. Initiatives like SARA by Wema, ALAT Summer Internship, and Sounds of ALAT promote economic empowerment, youth development, and the creative industry, while the bank’s eco-friendly initiatives advocate for climate action.\n\nA: Wema Bank has achieved several milestones, including:\n\nA: As Wema Bank celebrates 80 years, it remains committed to driving digital transformation, expanding its banking solutions, and creating even greater financial opportunities. With plans to scale ALAT beyond Nigeria, enhance fintech collaborations, and invest in more sustainable banking solutions, Wema Bank is shaping the future of finance for the next generation.\n\nA: Customers, partners, and stakeholders can be part of the Wema Bank at 80 celebrations by engaging in special anniversary events, sharing their experiences with Wema Bank over the years, and exploring exclusive banking offers. Follow Wema Bank on social media (@wemabank, @alat_ng) and visit our website for updates on the 80th-anniversary celebrations.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved."
  },
  {
    "url": "https://wemabank.com/personal/accounts-services",
    "title": "WEMA Bank Accounts and Services - Tailored for Your Financial Success",
    "meta_description": "Discover a range of accounts and services at WEMA Bank, tailored for your financial success. From customer loans to savings accounts, find the perfect solution for your needs in Lagos, Nigeria.",
    "text": "Discover a wealth of information, insights, and tools designed to optimize your banking experience. Explore the features, benefits, and tips to make the most out of your accounts and services, ensuring a tailored and efficient financial journey.\n\nWema Current Account is your gateway to seamless transactions, convenient savings, and exclusive benefits. Manage your money on the go with our user-friendly ALAT app, enjoy zero account opening fees, and access a variety of credit facilities. Switch to Wema today and experience banking the way it should be.\n\nMore than just saving, with our savings accounts we help you move\n              even closer to your goals every day.\n\nUnburden yourself from logistical minutiae with access to a dedicated team to handle everyday affairs and special requests, from travel arrangements to asset management.\n\nCustomers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.\n\nWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.\n\nMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.\n\nAnalytics & Investor Presentation\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nCurrent AccountExperience effortless bankingWema Current Account is your gateway to seamless transactions, convenient savings, and exclusive benefits. Manage your money on the go with our user-friendly ALAT app, enjoy zero account opening fees, and access a variety of credit facilities. Switch to Wema today and experience banking the way it should be.Learn More\n\nSavings AccountSmart saving for every dreamMore than just saving, with our savings accounts we help you move\n              even closer to your goals every day.Learn More\n\nHigh Net-Worth Individual AccountExperience the exquisite differenceUnburden yourself from logistical minutiae with access to a dedicated team to handle everyday affairs and special requests, from travel arrangements to asset management.Learn More"
  },
  {
    "url": "https://wemabank.com/personal/accounts-services/current-account",
    "title": "WEMA Bank Current Account - Seamless Daily Banking Solution",
    "meta_description": "Experience seamless daily banking with WEMA Bank's Current Account. Enjoy the convenience of a feature-rich account for all your transactional needs in Lagos, Nigeria",
    "text": "Do you need a current account to receive your salary and other emoluments from your employer; this account is for you. In addition to having a special account for your salary, the Salary Current Account also grants you access to personal loans & revolving overdraft facilities. Get started\n\nWant a standard, no-frills current account that allows for cheque issuance and lodgements?\n\nPersonal Current Account is an ideal current account for your basic banking needs. It comes with a debit card and allows you to issue and lodge cheques. It can be opened by an individual, as a joint account, or by registered businesses. Open a Personal Current Account Now. Get started\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nSalary Current AccountsDo you need a current account to receive your salary and other emoluments from your employer; this account is for you. In addition to having a special account for your salary, the Salary Current Account also grants you access to personal loans & revolving overdraft facilities. Get startedPersonal Current AccountsWant a standard, no-frills current account that allows for cheque issuance and lodgements?Personal Current Account is an ideal current account for your basic banking needs. It comes with a debit card and allows you to issue and lodge cheques. It can be opened by an individual, as a joint account, or by registered businesses. Open a Personal Current Account Now. Get started"
  },
  {
    "url": "https://wemabank.com/personal/accounts-services/savings-account",
    "title": "WEMA Bank Savings Account - Grow Your Wealth with Us",
    "meta_description": "Grow your wealth with WEMA Bank's Savings Account. Benefit from competitive interest rates and convenient features, making saving easy and rewarding in Lagos, Nigeria.",
    "text": "More than just saving, with our savings accounts we help you move even closer to your goals every day.\n\nEveryone should be able to use a bank to make their lives easier, so we designed the Easy Life Account for anyone who doesn’t have any kind of identification but still wants to enjoy the benefits of owning a bank account. For basic banking, it doesn’t get easier than this.Learn More\n\nYou too can own a bank account; whether your means of identification is generally acceptable or not. No one should be left behind; be it artisans or fishermen. The Tier 2 Account is made just for you. You can open one at any Wema Bank branch or on ALAT.Learn More\n\nFor casual saving, nothing beats the simplicity of the Wema Personal Savings account. Put money away at your convenience and we’ll pay you interest as long as you don’t withdraw more than four times every month.Learn More\n\nOur range of Domiciliary Account products give you the opportunity to choose the right option so you can conveniently carry out foreign currency transactions wherever you may be, and whenever you want.Learn More\n\nRoyal kiddies account is a special account that enables children get an early start to financial freedom at WEMA Bank and it is designed for children between ages 0 to 12 years.Learn More\n\nDesigned to fit the lifestyles of teenagers and young adults, the Wema Purple Account is free of the strings of a minimum balance. It also comes with free bank drafts for paying fees and a debit card.Learn More\n\nOur premium bouquet of products and services will ensure you never get disconnected from carrying out financial transactions back home in Nigeria while you are abroad. The need for you to enjoy convenient, safe, and efficient banking services is at the centre of our proposition to you.Learn More\n\nAchieve your savings goals on time every time with the Wema SmartSave Account. Choose what you’ll like to save for and earn interest on your money every month for up to three years. We’ll even pay you bonus interest if you achieve your monthly savings goal consistently.Learn More\n\nWatch your financial harvest flourish with Wema Salary Savings Account. Your salary finds fertile ground, earning competitive interest while offering convenient access and control. Plant the seeds of your financial future today.Learn More\n\nMaybe a Current Account is not for you but you want to enjoy some flexibility on your Savings Account; Wema Treasure Account (WTA) is what you need. Wema Treasure Account is a hybrid savings account. It operates with some flexibility of a Current Account with minimal restrictions, allowing third party transactions and accruing interest on account balances.Learn More\n\nWema WTA Non-Individual is more than just a savings account. It's a financial tool designed to empower your business. Enjoy attractive interest rates, convenient third-party transactions through personalized cheque books, and minimal restrictions on withdrawals. Streamline your financial operations, improve cash flow management, and take your business to the next level with Wema.Learn More\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nMore than just saving, with our savings accounts we help you move even closer to your goals every day.Tier 1 Savings AccountEveryone should be able to use a bank to make their lives easier, so we designed the Easy Life Account for anyone who doesn’t have any kind of identification but still wants to enjoy the benefits of owning a bank account. For basic banking, it doesn’t get easier than this.Learn MoreTier 2 Savings AccountYou too can own a bank account; whether your means of identification is generally acceptable or not. No one should be left behind; be it artisans or fishermen. The Tier 2 Account is made just for you. You can open one at any Wema Bank branch or on ALAT.Learn MorePersonal Savings AccountFor casual saving, nothing beats the simplicity of the Wema Personal Savings account. Put money away at your convenience and we’ll pay you interest as long as you don’t withdraw more than four times every month.Learn MoreDomicilliary AccountsOur range of Domiciliary Account products give you the opportunity to choose the right option so you can conveniently carry out foreign currency transactions wherever you may be, and whenever you want.Learn MoreRoyal kiddies AccountRoyal kiddies account is a special account that enables children get an early start to financial freedom at WEMA Bank and it is designed for children between ages 0 to 12 years.Learn MorePurple AccountDesigned to fit the lifestyles of teenagers and young adults, the Wema Purple Account is free of the strings of a minimum balance. It also comes with free bank drafts for paying fees and a debit card.Learn MoreDiaspora BankingOur premium bouquet of products and services will ensure you never get disconnected from carrying out financial transactions back home in Nigeria while you are abroad. The need for you to enjoy convenient, safe, and efficient banking services is at the centre of our proposition to you.Learn MoreSmartSave AccountAchieve your savings goals on time every time with the Wema SmartSave Account. Choose what you’ll like to save for and earn interest on your money every month for up to three years. We’ll even pay you bonus interest if you achieve your monthly savings goal consistently.Learn MoreSalary Savings AccountWatch your financial harvest flourish with Wema Salary Savings Account. Your salary finds fertile ground, earning competitive interest while offering convenient access and control. Plant the seeds of your financial future today.Learn MoreWema Treasure Account IndividualMaybe a Current Account is not for you but you want to enjoy some flexibility on your Savings Account; Wema Treasure Account (WTA) is what you need. Wema Treasure Account is a hybrid savings account. It operates with some flexibility of a Current Account with minimal restrictions, allowing third party transactions and accruing interest on account balances.Learn MoreWema Treasure Account Non-IndividualWema WTA Non-Individual is more than just a savings account. It's a financial tool designed to empower your business. Enjoy attractive interest rates, convenient third-party transactions through personalized cheque books, and minimal restrictions on withdrawals. Streamline your financial operations, improve cash flow management, and take your business to the next level with Wema.Learn More"
  },
  {
    "url": "https://wemabank.com/personal/term-deposits",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Explore the stability and growth potential of your finances with our tailored fixed deposit solutions. Learn about competitive rates, flexible terms, and the assurance of a secure investment.\n\nNeed to grow your money in a short time between 30 -180 days or more? Then, you should try our fixed deposits account. It enables you to Invest a lump sum with us safely for a specific period of up to 180 days and earn a pre-agreed interest rate. While we’re growing your investment, you’ll be able to use all our electronic banking channels free of charge. Investments can be cashed out with interest or reinvested.\n\nWith our fixed deposit account, you can grow your money because the account lets you invest a specific amount of money for a fixed period of time, at an agreed interest rate. At the end of the agreed period (tenor), the investment can either be rolled over (re-invested) or liquidated (returned to customer) with the interest amount earned. Example: You can invest N100,000 in your fixed deposits account for 180 days, at an agreed interest rate, and at the end of the tenor, you can choose to roll it over for another 180 days or withdraw your investment or move it into your savings account or any other account with us. It is that simple.\n\nCustomers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.\n\nWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.\n\nMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWhy Open A Fixed Deposit Account?Need to grow your money in a short time between 30 -180 days or more? Then, you should try our fixed deposits account. It enables you to Invest a lump sum with us safely for a specific period of up to 180 days and earn a pre-agreed interest rate. While we’re growing your investment, you’ll be able to use all our electronic banking channels free of charge. Investments can be cashed out with interest or reinvested.\n\nKnow MoreMore about our Fixed Deposit AccountWith our fixed deposit account, you can grow your money because the account lets you invest a specific amount of money for a fixed period of time, at an agreed interest rate. At the end of the agreed period (tenor), the investment can either be rolled over (re-invested) or liquidated (returned to customer) with the interest amount earned. Example: You can invest N100,000 in your fixed deposits account for 180 days, at an agreed interest rate, and at the end of the tenor, you can choose to roll it over for another 180 days or withdraw your investment or move it into your savings account or any other account with us. It is that simple.\n\nOther Products*945#Customers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.Read MoreWestern UnionWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.Read MoreMoneyGramMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.Read More"
  },
  {
    "url": "https://wemabank.com/personal/cards/credit-cards",
    "title": "WEMA Bank Credit Card - Flexible Credit Solutions for You",
    "meta_description": "Explore flexible credit solutions with WEMA Bank's Credit Card. Enjoy convenient access to credit, tailored to your needs, and experience financial freedom in Lagos, Nigeria.",
    "text": "The Wema Bank credit card is a Naira-denominated revolving loan facility that allows payments on POS and Web. It also allows cash withdrawals on the ATM domestically as well as internationally, subject to regulatory limits and charges.\n\nWhether Cash-backed or Clean; these Wema Bank Credit Cards are made especially for you. Learn More\n\nAll Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold, and Platinum; either denominated in Naira or USD. Learn More\n\nTake the world with you with our USD-denominated Visa Card, usable worldwide. Learn More\n\nMaster your money with confidence using your Wema Credit Card. Our comprehensive guide empowers you to use your Wema Credit Card like a pro. Learn about smart spending habits, managing your credit score, and avoiding unnecessary fees. Take control of your finances and unlock the benefits of responsible credit card use. Learn More\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThe Wema Bank credit card is a Naira-denominated revolving loan facility that allows payments on POS and Web. It also allows cash withdrawals on the ATM domestically as well as internationally, subject to regulatory limits and charges. Type Card Fee (Joining Fee) Annual FeeRe-issue Fee PIN Re-issue Fee Amount N1,075.00N200.00N1,075.00FreeWema Classic Credit CardWhether Cash-backed or Clean; these Wema Bank Credit Cards are made especially for you. Learn MoreWema Gold Credit CardAll Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold, and Platinum; either denominated in Naira or USD. Learn MoreWema Platinum Credit CardTake the world with you with our USD-denominated Visa Card, usable worldwide. Learn MoreHow to use Wema credit cardMaster your money with confidence using your Wema Credit Card. Our comprehensive guide empowers you to use your Wema Credit Card like a pro. Learn about smart spending habits, managing your credit score, and avoiding unnecessary fees. Take control of your finances and unlock the benefits of responsible credit card use. Learn More\n\nWema Classic Credit CardWhether Cash-backed or Clean; these Wema Bank Credit Cards are made especially for you. Learn More\n\nWema Gold Credit CardAll Credit cards are issued under the Visa Card brand. You have great options to choose from: Classic, Gold, and Platinum; either denominated in Naira or USD. Learn More\n\nWema Platinum Credit CardTake the world with you with our USD-denominated Visa Card, usable worldwide. Learn More\n\nHow to use Wema credit cardMaster your money with confidence using your Wema Credit Card. Our comprehensive guide empowers you to use your Wema Credit Card like a pro. Learn about smart spending habits, managing your credit score, and avoiding unnecessary fees. Take control of your finances and unlock the benefits of responsible credit card use. Learn More"
  },
  {
    "url": "https://wemabank.com/personal/cards/debit-cards",
    "title": "WEMA Bank Debit Card - Convenient and Secure Daily Transactions",
    "meta_description": "Make everyday transactions convenient and secure with WEMA Bank's Debit Card. Enjoy the flexibility of cashless payments and access your funds with ease in Lagos, Nigeria.",
    "text": "Our range of Debit cards allows you to carry out everyday transactions easily such as payments on POS and Web. It also allows local and international cash withdrawals on the ATM, subject to regulatory limits and charges.\n\nGet access to your money anywhere with the Wema Debit MasterCard. Make purchases at local merchant outlets anywhere in Nigeria. Learn More\n\nAccess your money anywhere in Nigeria with the Wema Debit Verve Card, which includes making purchases for goods and services at local merchant outlets (POS, Web) in Nigeria. You can make withdrawals at any ATM in Nigeria. Learn More\n\nAccess your money anywhere in Nigeria with the Wema Debit Visa Card, which includes making purchases for goods and services at local merchant outlets (POS, Web) in Nigeria. You can make withdrawals at any ATM in Nigeria. Learn More\n\nExclusive to Prestige Current Account Holders with access to premium benefits beyond the standard Naira MasterCard. Learn More\n\nGain access to exceptional spending power with a wide range of exclusive privileges and rewards. Learn More\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nOur range of Debit cards allows you to carry out everyday transactions easily such as payments on POS and Web. It also allows local and international cash withdrawals on the ATM, subject to regulatory limits and charges.Wema Debit MasterCardGet access to your money anywhere with the Wema Debit MasterCard. Make purchases at local merchant outlets anywhere in Nigeria. Learn MoreWema Debit Verve CardAccess your money anywhere in Nigeria with the Wema Debit Verve Card, which includes making purchases for goods and services at local merchant outlets (POS, Web) in Nigeria. You can make withdrawals at any ATM in Nigeria. Learn MoreWema Debit Visa CardAccess your money anywhere in Nigeria with the Wema Debit Visa Card, which includes making purchases for goods and services at local merchant outlets (POS, Web) in Nigeria. You can make withdrawals at any ATM in Nigeria. Learn MoreWema Platinum Debit MasterCardExclusive to Prestige Current Account Holders with access to premium benefits beyond the standard Naira MasterCard. Learn MoreVisa Signature CardGain access to exceptional spending power with a wide range of exclusive privileges and rewards. Learn More\n\nWema Debit MasterCardGet access to your money anywhere with the Wema Debit MasterCard. Make purchases at local merchant outlets anywhere in Nigeria. Learn More\n\nWema Debit Verve CardAccess your money anywhere in Nigeria with the Wema Debit Verve Card, which includes making purchases for goods and services at local merchant outlets (POS, Web) in Nigeria. You can make withdrawals at any ATM in Nigeria. Learn More\n\nWema Debit Visa CardAccess your money anywhere in Nigeria with the Wema Debit Visa Card, which includes making purchases for goods and services at local merchant outlets (POS, Web) in Nigeria. You can make withdrawals at any ATM in Nigeria. Learn More\n\nWema Platinum Debit MasterCardExclusive to Prestige Current Account Holders with access to premium benefits beyond the standard Naira MasterCard. Learn More\n\nVisa Signature CardGain access to exceptional spending power with a wide range of exclusive privileges and rewards. Learn More"
  },
  {
    "url": "https://wemabank.com/personal/cards/prepaid-cards",
    "title": "WEMA Bank Prepaid Card - Control Your Spending with Ease",
    "meta_description": "Take control of your spending with WEMA Bank's Prepaid Card. Experience the convenience of a reloadable card, managing your finances with ease and flexibility in Lagos, Nigeria.",
    "text": "Get a Prepaid Card for better financial control. Top up money, pay bills, and manage your spending the smart way.\n\nA prepaid card allows you to spend whatever amount of money is stored on the card. Once the balance is used up, you can reload the card online, or at any of our branch offices closest to you. Prepaid cards are issued by banks and branded by major payment companies, including Visa, MasterCard, and Verve.\n\nA prepaid card is as good as cash and sometimes even better:\n\nTake your easy transactions, bill payments, etcetera to the next level with a prepaid card. Apply For a Prepaid Card Now\n\nA smart and convenient way to manage your bills and daily expenses is through the use of the Wema Utility Prepaid ATM Card. You can get a card for your teenage child, your nanny, your chef, your driver, or people under your pay list. Besides convenience, when you use the Wema Utility Prepaid Card, you are sure your primary bank account is not exposed to the risk of internet fraud or physical theft.\n\nWema Utility Prepaid Cards are a wallet-based naira-denominated Verve Card. As a prepaid card, you are expected to preload the value you anticipate spending. Wema Utility Prepaid Cards presents the most convenient loading and reloading functionality, as it can be loaded by fund transfer through any e-banking channel. Learn More About Wema Utility Card\n\nA Visa USD Travel Card or Travel Utility Card is a USD-denominated ATM Card that you can take with you anywhere in the world and that helps you manage all your travel expenses. You can pre-load your travel card and take it for your shopping sprees and travel errands, anywhere in the world.\n\nUnlike other cards, the Travel Utility card is prepaid which means that you will have to load money on the card to use it. The card is linked to a virtual prepaid account so that all transactions made with the card are reflected instantly on the prepaid card account. This card works everywhere your debit card would work. Meaning that it is accepted wherever Visa is around the world. Learn More About Travel Utility Card\n\nTake your easy transactions, bill payments, etcetera to the next level with a prepaid card. Apply For a Prepaid Card Now\n\nApply For a Prepaid Card on ALAT Now\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nGet a Prepaid Card for better financial control. Top up money, pay bills, and manage your spending the smart way.What are Prepaid Cards?A prepaid card allows you to spend whatever amount of money is stored on the card. Once the balance is used up, you can reload the card online, or at any of our branch offices closest to you. Prepaid cards are issued by banks and branded by major payment companies, including Visa, MasterCard, and Verve.Benefits of Prepaid CardsA prepaid card is as good as cash and sometimes even better:It is a safe way to carry money around unlike, say, a wad of paper money. Prepaid cards also come with certain consumer protections, while cash does not.A prepaid card can be used for online purchases.It can make a more attractive gift than cash.Ready To Get A Prepaid Card?Take your easy transactions, bill payments, etcetera to the next level with a prepaid card. Apply For a Prepaid Card NowFEATURED PREPAID CARDSWema Utility Card (Verve)A smart and convenient way to manage your bills and daily expenses is through the use of the Wema Utility Prepaid ATM Card. You can get a card for your teenage child, your nanny, your chef, your driver, or people under your pay list. Besides convenience, when you use the Wema Utility Prepaid Card, you are sure your primary bank account is not exposed to the risk of internet fraud or physical theft.Wema Utility Prepaid Cards are a wallet-based naira-denominated Verve Card. As a prepaid card, you are expected to preload the value you anticipate spending. Wema Utility Prepaid Cards presents the most convenient loading and reloading functionality, as it can be loaded by fund transfer through any e-banking channel. Learn More About Wema Utility CardVisa USD Travel CardA Visa USD Travel Card or Travel Utility Card is a USD-denominated ATM Card that you can take with you anywhere in the world and that helps you manage all your travel expenses. You can pre-load your travel card and take it for your shopping sprees and travel errands, anywhere in the world.Unlike other cards, the Travel Utility card is prepaid which means that you will have to load money on the card to use it. The card is linked to a virtual prepaid account so that all transactions made with the card are reflected instantly on the prepaid card account. This card works everywhere your debit card would work. Meaning that it is accepted wherever Visa is around the world. Learn More About Travel Utility CardReady To Get A Prepaid Card?Take your easy transactions, bill payments, etcetera to the next level with a prepaid card. Apply For a Prepaid Card NowUtility Prepaid Card-FAQWHAT IS WEMA UTILITY PREPAID CARDS?WHAT ARE THE FEATURES OF THE PREPAID CARDS?WHAT ARE THE BENEFITS THE PREPAID CARDS?WHAT HAPPENS IN CASE OF LOST OR STOLEN PREPAID CARD?HOW DO I GET A PREPAID CARD?HOW DO I FUND THE CARD?HOW TO ACTIVATE?WHAT IS THE REACH OF THE CARD?WHAT ARE THE USE CASES OF WEMA BANK UTILITY PREPAID CARDS?WHAT ARE THE FUNCTIONS AVAILABLE FOR ME IN-APP?\n\nWhat are Prepaid Cards?A prepaid card allows you to spend whatever amount of money is stored on the card. Once the balance is used up, you can reload the card online, or at any of our branch offices closest to you. Prepaid cards are issued by banks and branded by major payment companies, including Visa, MasterCard, and Verve.\n\nBenefits of Prepaid CardsA prepaid card is as good as cash and sometimes even better:It is a safe way to carry money around unlike, say, a wad of paper money. Prepaid cards also come with certain consumer protections, while cash does not.A prepaid card can be used for online purchases.It can make a more attractive gift than cash.\n\nReady To Get A Prepaid Card?Take your easy transactions, bill payments, etcetera to the next level with a prepaid card. Apply For a Prepaid Card Now\n\nFEATURED PREPAID CARDSWema Utility Card (Verve)A smart and convenient way to manage your bills and daily expenses is through the use of the Wema Utility Prepaid ATM Card. You can get a card for your teenage child, your nanny, your chef, your driver, or people under your pay list. Besides convenience, when you use the Wema Utility Prepaid Card, you are sure your primary bank account is not exposed to the risk of internet fraud or physical theft.Wema Utility Prepaid Cards are a wallet-based naira-denominated Verve Card. As a prepaid card, you are expected to preload the value you anticipate spending. Wema Utility Prepaid Cards presents the most convenient loading and reloading functionality, as it can be loaded by fund transfer through any e-banking channel. Learn More About Wema Utility Card\n\nVisa USD Travel CardA Visa USD Travel Card or Travel Utility Card is a USD-denominated ATM Card that you can take with you anywhere in the world and that helps you manage all your travel expenses. You can pre-load your travel card and take it for your shopping sprees and travel errands, anywhere in the world.Unlike other cards, the Travel Utility card is prepaid which means that you will have to load money on the card to use it. The card is linked to a virtual prepaid account so that all transactions made with the card are reflected instantly on the prepaid card account. This card works everywhere your debit card would work. Meaning that it is accepted wherever Visa is around the world. Learn More About Travel Utility Card\n\nUtility Prepaid Card-FAQWHAT IS WEMA UTILITY PREPAID CARDS?WHAT ARE THE FEATURES OF THE PREPAID CARDS?WHAT ARE THE BENEFITS THE PREPAID CARDS?WHAT HAPPENS IN CASE OF LOST OR STOLEN PREPAID CARD?HOW DO I GET A PREPAID CARD?HOW DO I FUND THE CARD?HOW TO ACTIVATE?WHAT IS THE REACH OF THE CARD?WHAT ARE THE USE CASES OF WEMA BANK UTILITY PREPAID CARDS?WHAT ARE THE FUNCTIONS AVAILABLE FOR ME IN-APP?\n\nWHAT IS WEMA UTILITY PREPAID CARDS?WHAT ARE THE FEATURES OF THE PREPAID CARDS?WHAT ARE THE BENEFITS THE PREPAID CARDS?WHAT HAPPENS IN CASE OF LOST OR STOLEN PREPAID CARD?HOW DO I GET A PREPAID CARD?HOW DO I FUND THE CARD?HOW TO ACTIVATE?WHAT IS THE REACH OF THE CARD?WHAT ARE THE USE CASES OF WEMA BANK UTILITY PREPAID CARDS?WHAT ARE THE FUNCTIONS AVAILABLE FOR ME IN-APP?"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/personal-loan/",
    "title": "WEMA Bank Personal Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Personal Loan. Access funds for personal needs with ease and convenience in Lagos, Nigeria.",
    "text": "Personal Loan is a loan facility currently available to employees who operate a Salary Current or Savings Account with Wema Bank. This product is also available for formally employed staff of companies/employers pre-approved by Wema Bank and groups of salary earners under an association. With this product, you can cover medical bills, purchase a car, make home improvements, give your side hustle a little boost, pay for training to improve yourself, and do so much more!\n\nThe personal loan will be disbursed into a salary account domiciled with the Bank.\n\nIn case you need an instant loan, check out ALAT instant loan\n\nThe WEMA Bank USSD code for loans in Nigeria is *945*65#. Simply dial *945*65# and follow the prompts to get loans in Nigeria from WEMA Bank.\n\nClick Here To Apply For A Personal Loan on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPersonal Loan is a loan facility currently available to employees who operate a Salary Current or Savings Account with Wema Bank. This product is also available for formally employed staff of companies/employers pre-approved by Wema Bank and groups of salary earners under an association. With this product, you can cover medical bills, purchase a car, make home improvements, give your side hustle a little boost, pay for training to improve yourself, and do so much more!The personal loan will be disbursed into a salary account domiciled with the Bank.In case you need an instant loan, check out ALAT instant loanThe WEMA Bank USSD code for loans in Nigeria is *945*65#. Simply dial *945*65# and follow the prompts to get loans in Nigeria from WEMA Bank.Features of Personal LoansAvailable to existing salary account holders, based on salary domiciliation.New customers, will in addition to salary domiciliation, provide evidence of consistent salary payment for the most recent 3 months.The maximum loan amount is 7 multiples of net monthly salary, subject to a maximum of N4 millionMaximum loan tenor of 24 months.Loan Top-up available after 6 months of regular monthly down payments.Available to confirmed employees only.Apply for loans & overdrafts at the convenience of your office.Short turnaround time for loan & overdraft disbursement (48 hours).Access to mobile & Internet Banking services.FAQHow much can I borrow?How long do I have to repay the loan?Do I have to receive my salary through your bank to be eligible for the loan?How much do I need to earn to qualify for the loan?If I have a loan running with another bank, can I transfer it to WEMA Bank?What is the security or collateral for this loan?If I have a loan running, can I Top up if I require additional funds?Can I pay down the loan before maturity?Can I use the loan for any purpose?Click Here To Apply For A Personal Loan on ALAT\n\nHow much can I borrow?How long do I have to repay the loan?Do I have to receive my salary through your bank to be eligible for the loan?How much do I need to earn to qualify for the loan?If I have a loan running with another bank, can I transfer it to WEMA Bank?What is the security or collateral for this loan?If I have a loan running, can I Top up if I require additional funds?Can I pay down the loan before maturity?Can I use the loan for any purpose?"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/school-fees-advance",
    "title": "WEMA Bank School Fees Advance - Convenient Financing for Education",
    "meta_description": "Secure convenient financing for education with WEMA Bank's School Fees Advance. Access funds to cover school fees and related expenses, ensuring a smooth educational journey.",
    "text": "School Fees Advance is a short-term financing package designed to meet the financial needs of parents/guardians when their school fees obligation falls due. Permanently employed individuals whose salary accounts are domiciled  with the bank, Self Employed with proven capacity  and character to repay\n\nSchool Fees Advance is a loan facility is designed to finance the payment of your child’s/ward’s school fees for schools/institutions in Nigeria and the diaspora. This facility is available to permanently employed individuals whose salary accounts are domiciled  with the bank, Self Employed with proven capacity  and character to repay\n\nLife happens, but you can depend on us for a quick loan to take care of the things that are important to you, like the future of your loved ones. Speak to us about an advance of up to 10 million Naira for school fees.\n\nSchool fees advance enables people undergoing different kinds and levels of formal education access to funds necessary for the completion of such study. Expenses ranging from costs of required stationeries, school fees, accommodation, as well as other expenses required by the students in need are covered by these loans. These facilities are majorly not known by many students, and for the selected few who know about them, processing them is unknown of them.\n\nSchool fees advance like other loan facilities come with their terms and conditions of the acquisition. Eligible students, primarily students who have difficulty sourcing funds for their education would need to further meet some requirements before being through the process of loan obtainment.\n\nPursuant to the Stamp Duty Act Cap 58, Laws of the Federation of Nigeria 2004 (as amended), the Finance Act 2019 (as amended) and the Press release of the Federal Inland Revenue Service (FIRS), on payment and collection of Stamp Duty taxes, the bank shall deduct and remit, as required, all Stamp Duty taxes on the principal amount of the facility and related dutiable instruments.\n\nClick Here To Apply For School Fees Advance on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nSchool Fees Advance is a short-term financing package designed to meet the financial needs of parents/guardians when their school fees obligation falls due. Permanently employed individuals whose salary accounts are domiciled  with the bank, Self Employed with proven capacity  and character to repaySchool Fees Advance is a loan facility is designed to finance the payment of your child’s/ward’s school fees for schools/institutions in Nigeria and the diaspora. This facility is available to permanently employed individuals whose salary accounts are domiciled  with the bank, Self Employed with proven capacity  and character to repayLife happens, but you can depend on us for a quick loan to take care of the things that are important to you, like the future of your loved ones. Speak to us about an advance of up to 10 million Naira for school fees.What is school fees advance?School fees advance enables people undergoing different kinds and levels of formal education access to funds necessary for the completion of such study. Expenses ranging from costs of required stationeries, school fees, accommodation, as well as other expenses required by the students in need are covered by these loans. These facilities are majorly not known by many students, and for the selected few who know about them, processing them is unknown of them.School fees advance like other loan facilities come with their terms and conditions of the acquisition. Eligible students, primarily students who have difficulty sourcing funds for their education would need to further meet some requirements before being through the process of loan obtainment.Pursuant to the Stamp Duty Act Cap 58, Laws of the Federation of Nigeria 2004 (as amended), the Finance Act 2019 (as amended) and the Press release of the Federal Inland Revenue Service (FIRS), on payment and collection of Stamp Duty taxes, the bank shall deduct and remit, as required, all Stamp Duty taxes on the principal amount of the facility and related dutiable instruments.Features of School Fees Advance3% per month;36%p.a (PLR) interest rateFor parents with Royal kiddies and Purple account child/wards  there is a Concessionary interest rate of PLR – 3% (36% - 3%) = 33%pa  (subject to maintaining an average balance of N100,000 over recent 3months period )1% insurance premiumMinimum Facility Amount of N50,000Maximum Facility Amount of N5,000,000Maximum tenor of 12 monthsSchool/Tuition fees will be paid directly to the child/ward's schoolRequirements of a School fees advanceCompleted School Fees Advance application form.Letter of introduction: This is to determine the employment status of the parent/guardian.Irrevocable letter of domiciliation from the employer: This is to ensure that the parent/guardian’s salary will remain with Wema Bank until the advance is liquidated.Invoice of School/tuition fees.Proof of identity (Driver’s license, National ID, International Passport or Voters card) Employment ID is not sufficient.Proof of address i.e., utility bill.Last three month’s pay slip.Six months’ salary statement of account (for customers whose salary accounts cannot be or are not domiciled with Wema Bank).Admission letter from the school if the school is in diaspora.\n\nWhat is school fees advance?School fees advance enables people undergoing different kinds and levels of formal education access to funds necessary for the completion of such study. Expenses ranging from costs of required stationeries, school fees, accommodation, as well as other expenses required by the students in need are covered by these loans. These facilities are majorly not known by many students, and for the selected few who know about them, processing them is unknown of them.School fees advance like other loan facilities come with their terms and conditions of the acquisition. Eligible students, primarily students who have difficulty sourcing funds for their education would need to further meet some requirements before being through the process of loan obtainment.Pursuant to the Stamp Duty Act Cap 58, Laws of the Federation of Nigeria 2004 (as amended), the Finance Act 2019 (as amended) and the Press release of the Federal Inland Revenue Service (FIRS), on payment and collection of Stamp Duty taxes, the bank shall deduct and remit, as required, all Stamp Duty taxes on the principal amount of the facility and related dutiable instruments.\n\nFeatures of School Fees Advance3% per month;36%p.a (PLR) interest rateFor parents with Royal kiddies and Purple account child/wards  there is a Concessionary interest rate of PLR – 3% (36% - 3%) = 33%pa  (subject to maintaining an average balance of N100,000 over recent 3months period )1% insurance premiumMinimum Facility Amount of N50,000Maximum Facility Amount of N5,000,000Maximum tenor of 12 monthsSchool/Tuition fees will be paid directly to the child/ward's school\n\nRequirements of a School fees advanceCompleted School Fees Advance application form.Letter of introduction: This is to determine the employment status of the parent/guardian.Irrevocable letter of domiciliation from the employer: This is to ensure that the parent/guardian’s salary will remain with Wema Bank until the advance is liquidated.Invoice of School/tuition fees.Proof of identity (Driver’s license, National ID, International Passport or Voters card) Employment ID is not sufficient.Proof of address i.e., utility bill.Last three month’s pay slip.Six months’ salary statement of account (for customers whose salary accounts cannot be or are not domiciled with Wema Bank).Admission letter from the school if the school is in diaspora."
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/nysc-loan/",
    "title": "WEMA Bank NYSC Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's NYSC Loan. Access funds with ease and convenience in Nigeria.",
    "text": "NYSC Loan is to finance the entrepreneurial working capital and empower corp members\n\nClick Here To Apply For NYSC Loan on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nNYSC Loan is to finance the entrepreneurial working capital and empower corp membersFeatures of NYSC Loan25% per annum1% management feeMaximum tenor 10 monthsMinimum limit N20,000Maximum limit N100,000Click Here To Apply For NYSC Loan on ALAT"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/salary-based-loan/",
    "title": "WEMA Bank Salary Based Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Salary Based Loan. Access funds to meet your needs with ease and convenience in Nigeria.",
    "text": "ALAT Salary loan is for Salaried individuals whose  companies are enlisted with the  bank. It is a fast, convenient and reliable way  of accessing funds anywhere using  a mobile device or a computer.\n\nSalary earners will be able to receive a minimum of #50,000 and up to #4,000,000 within hours and will repay in 12 months\n\nThe process of getting the salary-based loan is entirely online – on the ALAT app or web page – and begins with downloading the app from Android or IOS app store for new customers and a simple login with a click on the ‘Loan’ icon for ALAT registered customers on the ALAT app or web page.\n\nTo ensure that customers have a hitch-free registration process, the ALAT app has been updated to include a video run-through of the process of registration at the sign-up page. Customers can also get a simple explainer of each step of the registration process by clicking on the ‘I’ icon on each page of the app.\n\nAlso, for customers to have financial confidence and freedom, ALAT has introduced a zero balance. This means that customers can withdraw their money to the last kobo and there will be no charges should any customer maintain a zero balance on their account.\n\nFeatures of ALAT Salary Based Loan\n\nClick Here To Apply For Salary Based Loan on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nALAT Salary loan is for Salaried individuals whose  companies are enlisted with the  bank. It is a fast, convenient and reliable way  of accessing funds anywhere using  a mobile device or a computer.Salary earners will be able to receive a minimum of #50,000 and up to #4,000,000 within hours and will repay in 12 monthsThe process of getting the salary-based loan is entirely online – on the ALAT app or web page – and begins with downloading the app from Android or IOS app store for new customers and a simple login with a click on the ‘Loan’ icon for ALAT registered customers on the ALAT app or web page.To ensure that customers have a hitch-free registration process, the ALAT app has been updated to include a video run-through of the process of registration at the sign-up page. Customers can also get a simple explainer of each step of the registration process by clicking on the ‘I’ icon on each page of the app.Also, for customers to have financial confidence and freedom, ALAT has introduced a zero balance. This means that customers can withdraw their money to the last kobo and there will be no charges should any customer maintain a zero balance on their account.Features of ALAT Salary Based LoanN50,000 minimum loan amountN4million maximum loan amount12 months maximum tenorThe Interest rate for salary accounts domiciled in Wema interest rate is 4% per month, while for salary accounts NOT domiciled, the interest rate is 5% per monthClick Here To Apply For Salary Based Loan on ALAT"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/payday-loan/",
    "title": "WEMA Bank Payday Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Payday Loan. Access funds to meet your needs with ease and convenience in Nigeria.",
    "text": "This is a 30days loan tailored for salary earners. It is a fast, convenient and reliable way  of accessing funds anywhere using  a mobile device of a computer.\n\nClick Here To Apply For Payday Loan on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThis is a 30days loan tailored for salary earners. It is a fast, convenient and reliable way  of accessing funds anywhere using  a mobile device of a computer.Features of Payday Loan5% per month for wema customers, 6% for none wemaMaximum facility limit is  N500,00030 days Maximum Tenor1% Management Fee0.5% insuranceClick Here To Apply For Payday Loan on ALAT"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/quick-loan/",
    "title": "WEMA Bank Quick Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Quick Loan. Access funds to meet your needs with ease and convenience in Nigeria.",
    "text": "This is a 30days loan for both cash flow customers and salary earners, To provide short term facility to  individuals with regular cash inflow.\n\nClick Here To Apply For Quick Loan on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThis is a 30days loan for both cash flow customers and salary earners, To provide short term facility to  individuals with regular cash inflow.Features of Quick Loan7% interest rate per monthManagement Fee - 1% and Insurance of 1%Available to individuals with  regular cash flowMaximum tenor 30days10% of trim mean average monthly turnover.Min ave monthly turnover of N20,000Click Here To Apply For Quick Loan on ALAT"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/goal-based-loan/",
    "title": "WEMA Bank Goal-Based Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Goal-Based Loan. Access funds to meet your needs with ease and convenience in Nigeria.",
    "text": "This is a reliable way of accessing funds without breaking your savings. It is available for all customers with Goal savings on the ALAT App.\n\nClick Here To Apply For Goal-Based Loan on ALAT\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThis is a reliable way of accessing funds without breaking your savings. It is available for all customers with Goal savings on the ALAT App.Features of Goal-Based Loan17.49% p.aMaximum facility limit is N80% of all customers Goal savings12 months Maximum Tenor1% Management Fee0.5% insuranceClick Here To Apply For Goal-Based Loan on ALAT"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/wema-asset-acquisition-scheme-waas/cig-car-loan/",
    "title": "WEMA Bank CIG Car Loan - Drive Away with Your Dream Car",
    "meta_description": "Drive away with your dream car using WEMA Bank's CIG Car Loan. Access tailored financing options for car acquisition with flexible terms and competitive rates.",
    "text": "Vehicle Finance provides asset finance availability to individuals who wish to acquire and enjoy new vehicles, Tokunbo vehicles, and pre-owned vehicles of their choice. This product is available for employed staff of companies, self-employed individuals with a steady income from their business venture, and Groups of Salary earners under an association.\n\nCar Loan enables you to own a car today for as low as N195,000 monthly payment!\n\nWe are excited to announce the \"Easy Buy Finance\" scheme, a vehicle finance scheme in partnership with Choice International Group (CIG) Motors aimed at assisting you to buy GAC vehicles with ease and at affordable prices with a flexible repayment plan.\n\nThis facility is customized for our salary savings or current account customers to buy motor vehicles. Features\n\nWhether it’s your first car or you want to upgrade to a higher model, the WEMA Bank Auto Loans enables you to drive your dream car, while you repay conveniently. If you are on this table, we have your dream car covered!\n\nClick Here To Indicate Interest\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nVehicle Finance provides asset finance availability to individuals who wish to acquire and enjoy new vehicles, Tokunbo vehicles, and pre-owned vehicles of their choice. This product is available for employed staff of companies, self-employed individuals with a steady income from their business venture, and Groups of Salary earners under an association.Car Loan enables you to own a car today for as low as N195,000 monthly payment!We are excited to announce the \"Easy Buy Finance\" scheme, a vehicle finance scheme in partnership with Choice International Group (CIG) Motors aimed at assisting you to buy GAC vehicles with ease and at affordable prices with a flexible repayment plan.This facility is customized for our salary savings or current account customers to buy motor vehicles. FeaturesThe scheme enables individuals who meet the prescribed conditions to pay an equity contribution of 10% with 48 months tenor paymentCovers 3 ranges of Sport Utility Vehicles in the GAC fleet, GS3, GS4 and GS815% discount off the current market cost of the vehiclesSuitable for customers' needs with manageable monthly repayments.Best suited for individuals, organizations, corporate bodies and institutions as an easy and convenient means to own a brand new car.Features of Vehicle Loaninterest rate is 36%p.a1% flat management feeMaximum loan amount is N50mCovers assets like new vehicles, pre-owned vehiclesUp to 36 months (48 months for new vehicle)20% equity where the vehicle is 5 years old and 30% if older than 5 yearsIn Need Of A Car Loan?Whether it’s your first car or you want to upgrade to a higher model, the WEMA Bank Auto Loans enables you to drive your dream car, while you repay conveniently. If you are on this table, we have your dream car covered!Click Here To Indicate Interest"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/asset-finance/",
    "title": "WEMA Bank Asset Finance - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Asset Finance. Access funds with ease and convenience in Nigeria.",
    "text": "This product enables customers to acquire furniture, Generators, Home Theatre, TVs, Refrigerator, and Other portable/moveable electronics. and household devices of their choice. This product is available for Formally employed staff of companies, Self-employed individuals with a steady income from their business ventures, and Groups of Salary earners under an association.\n\nClick Here To Indicate Interest\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThis product enables customers to acquire furniture, Generators, Home Theatre, TVs, Refrigerator, and Other portable/moveable electronics. and household devices of their choice. This product is available for Formally employed staff of companies, Self-employed individuals with a steady income from their business ventures, and Groups of Salary earners under an association.Features of Asset Financeinterest rate is 36%p.a1% flat management feeMaximum loan amount is N50mCovers assets like Generator, TVs, Refrigerator and other householdUp to 12 months20% equity contributionClick Here To Indicate Interest"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/green-energy-finance/",
    "title": "WEMA Bank Green Energy Finance - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Green Energy Finance. Access funds with ease and convenience in Nigeria.",
    "text": "This product enables customers to Finance the Acquisition of Renewable Energy Solutions (Like Solar Energy Systems, Inverters, Batteries, Solar Panels, And Accessories) of their choice. This product is available for employed staff of companies, Self-employed individuals with a steady income from their business ventures, and Groups of Salary earners under an association.\n\nClick Here To Indicate Interest\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThis product enables customers to Finance the Acquisition of Renewable Energy Solutions (Like Solar Energy Systems, Inverters, Batteries, Solar Panels, And Accessories) of their choice. This product is available for employed staff of companies, Self-employed individuals with a steady income from their business ventures, and Groups of Salary earners under an association.Features of Green Energy Finance36%p.a  interest rate1% flat management feeMaximum loan amount is N3mMinimum loan amount is N100,000Covers Green Energy like Solar Energy Systems, Inverters, Batteries, Solar Panels, And AccessoriesUp to 12months20% equity of the requested amountClick Here To Indicate Interest"
  },
  {
    "url": "https://wemabank.com/personal/consumer-loans/device-loan/",
    "title": "WEMA Bank Device Loan - Quick and Flexible Financing Options",
    "meta_description": "Explore quick and flexible financing options with WEMA Bank's Device Loan. Access funds with ease and convenience in Nigeria.",
    "text": "Device finance facility available to individuals who wish to acquire and enjoy brand smartphones, Tablets & Laptops. This product is available for Salary earners, and individuals whose salaries are paid through the payroll system Remita\n\nClick Here To Indicate Interest\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nDevice finance facility available to individuals who wish to acquire and enjoy brand smartphones, Tablets & Laptops. This product is available for Salary earners, and individuals whose salaries are paid through the payroll system RemitaFeatures of device Loan5%p.m  interest rate for non-Wema customers4%p.m  interest rate for Wema customers1% management fee3.65% insurance premiumMaximum loan amount is N1,000,000 (N50,000 min)Up to 6months20% Equity contributionClick Here To Indicate Interest"
  },
  {
    "url": "https://wemabank.com/personal/e-banking",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "Do you want to experience banking from the comfort of your home, at work, or abroad? A secure way to access your accounts, manage payments, check your statements, and much more, 24 hours a day.\n\nUnleashing the Power of Online Banking with Wema.\n\nEasy access to your account(s) from anywhere in the world.\n\nOnline real-time account monitoring facility.\n\nThe convenience of conducting banking transactions from the comfort of home/office.\n\nGuaranteed security for all your online transactions.\n\nEasy Access to bank information and products.\n\nAn effective, cheaper, and easier way for our customers to communicate with banks.\n\nWema Bank offers a wide range of Digital Solution products designed to cater to different needs, from personal finance management (ALAT) to business payment collections (Paydirect) and even industry-specific solutions like hospital and school management.\n\nStreamline your school operations and empower informed decision-making with Wema Bank's comprehensive School Management solution.\n\nStreamline your business operations and boost sales with Wema Bank's innovative Wema POS terminals, your one-stop shop for secure and convenient payments.\n\nWemaCollect is our cutting-edge solution that can be customised to meet your specific revenue collection needs. The solution is a robust real-time and highly secure electronic collection solution.\n\nBoost your sales and simplify collections with AlatPay, Wema Bank's secure and flexible online payment gateway.\n\nWemaRemitYour secure and efficient e-courier service for delivering funds and schedules to bank accounts and relevant bodies.\n\nCustomers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.\n\nWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.\n\nMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nBanking at your convenienceDo you want to experience banking from the comfort of your home, at work, or abroad?A secure way to access your accounts, manage payments, check your statements, and much more, 24 hours a day.The Wema Bank Internet Banking launches you into a world without limits. It is a robust channel designed with state-of-the-art technology that gives you unlimited access to your accounts and allows you conveniently perform over 90% of your bank transactions online in real-time.With ALAT Internet Banking, you can, enjoy the convenience of managing your finances quickly and easily at a time that suits you. You can bank safely and securely – at work, home, or abroad.\n\nAnywhereEasy access to your account(s) from anywhere in the world.AnytimeOnline real-time account monitoring facility.ComfortThe convenience of conducting banking transactions from the comfort of home/office.SecureGuaranteed security for all your online transactions.UpdatesEasy Access to bank information and products.CommunicationAn effective, cheaper, and easier way for our customers to communicate with banks.\n\nDigital SolutionDigital SolutionWema Bank offers a wide range of Digital Solution products designed to cater to different needs, from personal finance management (ALAT) to business payment collections (Paydirect) and even industry-specific solutions like hospital and school management.Find Out More\n\nSchool ManagementSchool ManagementStreamline your school operations and empower informed decision-making with Wema Bank's comprehensive School Management solution.Find Out More\n\nWEMA POSWema POSStreamline your business operations and boost sales with Wema Bank's innovative Wema POS terminals, your one-stop shop for secure and convenient payments.Find Out More\n\nWema CollectWema CollectWemaCollect is our cutting-edge solution that can be customised to meet your specific revenue collection needs. The solution is a robust real-time and highly secure electronic collection solution.Find Out More\n\nAlat PayAlat PayBoost your sales and simplify collections with AlatPay, Wema Bank's secure and flexible online payment gateway.Find Out More\n\nWema RemitWema RemitWemaRemitYour secure and efficient e-courier service for delivering funds and schedules to bank accounts and relevant bodies.Find Out More\n\nOther Products*945#Customers can carry out banking transactions by simply dialing the short code *945# to experience an array of functions which include checking account balances on the Go, Quick funds transfer, Instant self and third party airtime recharge, bills payment and many more via their mobile phones.Read MoreWestern UnionWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. Our services are convenient, fast and secure.Read MoreMoneyGramMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.Read More"
  },
  {
    "url": "https://wemabank.com/personal/e-banking/moneygram",
    "title": "Wema Bank",
    "meta_description": "",
    "text": "MoneyGram money transfer is an electronic funds transfer service that enables individuals send & receive money from over a global network of 200 countries through MoneyGram Agent locations around the World.\n\nWith Wema Bank’s MoneyGram services, you are assured of receiving your money in our branches nation-wide from Monday to Friday. The product is uniquely designed to allow both customers and non-customers of Wema Bank receive and send funds.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nMoneyGram money transfer is an electronic funds transfer service that enables individuals send & receive money from over a global network of 200 countries through MoneyGram Agent locations around the World.With Wema Bank’s MoneyGram services, you are assured of receiving your money in our branches nation-wide from Monday to Friday. The product is uniquely designed to allow both customers and non-customers of Wema Bank receive and send funds.FeaturesTransfer service is safe, secure and convenientReceiver can collect their money from all our branches nationwideBVN as only acceptable means of ID.Receiver collects transfer in Local Currency.Funds can be received as cash or transferred directly into account.No fee is paid by beneficiary.EligibilityThis service is available to both account holders and walk-in-customers who are above 18 years.Requirements to ReceiveTransfer Reference Number.Expected Amount.Verified BVN.Sender’s name and country.Test Question and Answer (optional).Fully completed form.Requirements to SendSender’s name, phone number, address.The receiver’s name and country.Amount in Naira.Verified BVN.Test Question and Answer, where applicable.A maximum send limit of 1,000USD Naira equivalent per customer per quarter, as stipulated by the Central Bank of Nigeria."
  },
  {
    "url": "https://wemabank.com/personal/e-banking/945-2",
    "title": "Activate WEMA Bank Transfer Code - Simple Steps with #945 USSD",
    "meta_description": "Activate WEMA Bank transfer code with simple steps using #945 USSD. Explore the convenience of mobile banking and learn how to easily access a range of banking services on your mobile phone in Lagos, Nigeria.",
    "text": "*945# USSD Codes always saves the day. It is a USSD codes for sending money, buying airtime and data, paying bills, and even making payments on POS terminals without a Wema/ALAT card. Best of all, it works on any kind of mobile phone. Banking made easy with *945#\n\nAccount Management CodesAirtime, Data, and Transfers CodesQuick Loan CodeCable TV CodesInternet Service CodesElectricity Bill CodesSchools and Exams CodesState CollectionsCardless Transactions\n\nRead *945# loan Terms and Condition here\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWema Bank USSD Codes - *945# *945# USSD Codes always saves the day. It is a USSD codes for sending money, buying airtime and data, paying bills, and even making payments on POS terminals without a Wema/ALAT card. Best of all, it works on any kind of mobile phone. Banking made easy with *945#Account Management CodesAirtime, Data, and Transfers CodesQuick Loan CodeCable TV CodesInternet Service CodesElectricity Bill CodesSchools and Exams CodesState CollectionsCardless TransactionsAccount Management  Account Balance*945*0#Change PIN*945*00#Change Account*945*2*OldAcctno*NewAcctno#Registration/Profiling On 945*945*01#BVN Management*945*4#Account Restriction*945*911#Account Activation*945*5#Account Opening*945*1#Electricity Bill CodesElectricity bill*945*24#Eko*945*25*meterno*amount#Ikeja*945*26*meterno*amount#Ibadan*945*27*meterno*amount#Abuja*945*28*meterno*amount#Enugu*945*29*meterno*amount#Jos*945*30*meterno*amount#Kaduna*945*31*meterno*amount#Kano*945*32*meterno*amount#Portharcourt*945*33*meterno*amount#Airtime, Data, and Transfers CodesAirtime (self)*945*amount#Airtime (others)*945*phoneNo*amount#Airtime/Data -*945*9#Transfers (Wema account and other banks)*945*accountNo*amount#Cable TV CodesCable TV menu*945*10#DSTV*945*11# and *945*11*smartcardNO #GOTV*945*12# and *945*12*smartcardNO#Startimes*945*13# and *945*13*smartcardNO#Cardless Transactions  Mcash*945*57# and *945*57*merchantcode*amount#Coralpay*945*58# and *945*000*REFno#Internet Service CodesInternet service menu*945*15#Smile*945*16#Spectranet*945*18#945 LoansQuick Loan*945*65#Salary-Base Loan*945*65#Schools and Exams CodesWAEC (result checking)*945*70#JAMB (result checking)*945*71#State Collections  Lagos state collection*945*40#Read *945# loan Terms and Condition here"
  },
  {
    "url": "https://wemabank.com/personal/e-banking/western-union",
    "title": "WEMA Bank Western Union - Reliable Global Money Transfer Services",
    "meta_description": "Trust WEMA Bank's Western Union Money Transfer services for reliable and secure global transactions. Send and receive money with confidence, connecting with loved ones worldwide.",
    "text": "Do you know you can receive or send money directly from your account abroad with our western union money transfer? Yes, you can! Take advantage now!\n\nUS Dollars Payout either as Cash Pick up or directly into your Bank account – it is entirely your choice\n\nYou can receive Money Transfer in US Dollars directly into your Wema bank Domiciliary account or over the counter at any Wema Bank branch nationwide. Tap into this opportunity.\n\nWe at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. This service enables people to send & receive money from over 250 countries through Agent locations worldwide using its web-based application.\n\nWestern Union and Wema Bank also have an exciting new service called Account Based Money Transfer (ABMT) which allows you receive funds directly into your Wema Bank account via the Bank’s Internet banking platform and digital banking platform, ALAT App.\n\nDuly completed Receive Form with the following detail:\n\nDuly completed Send Form with the following details:\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nDo you know you can receive or send money directly from your account abroad with our western union money transfer? Yes, you can! Take advantage now!US Dollars Payout either as Cash Pick up or directly into your Bank account – it is entirely your choiceYou can receive Money Transfer in US Dollars directly into your Wema bank Domiciliary account or over the counter at any Wema Bank branch nationwide. Tap into this opportunity.We at Wema bank understand the need to connect Nigerians in Diaspora with their loved ones here at home and vice-versa, that is why our customers can enjoy the Send and Receive options via Western Union Money Transfer from all our branches nationwide. This service enables people to send & receive money from over 250 countries through Agent locations worldwide using its web-based application.Western Union and Wema Bank also have an exciting new service called Account Based Money Transfer (ABMT) which allows you receive funds directly into your Wema Bank account via the Bank’s Internet banking platform and digital banking platform, ALAT App.Features Charge-free to the receiver, senders pay all chargesSend and Receive options available at all Wema branchesThe beneficiary can receive immediately Sender processes from send locationMoney transfer can be received directly into the customer’s account in Local CurrencyFunds can be received as cash or transferred directly into account (ABMT)Requirements to ReceiveDuly completed Receive Form with the following detail: The Western Union Money Transfer Control Number (MTCN)Expected Amount in local currency(Naira)Acceptable means of identificationThe receiver’s name, address and phone numberSender’s name and country (city to be included for transfers coming from the US and Mexico)Test Question and Answer where applicable.Acceptable Beneficiary IDs: Nigerian International Passport/Foreign PassportDriver’s LicensePermanent Voters cardNational Identity CardVerified BVNRequirements to SendDuly completed Send Form with the following details: Sender’s name, Phone number, address.The receiver’s name and country.Amount in Naira.Acceptable means of identification.Test Question and Answer where applicable.A maximum sends limit of 1,000USD or Naira equivalent per customer per quarter, as stipulated by the Central Bank of Nigeria."
  },
  {
    "url": "https://wemabank.com/personal/electronic-banking/wemawebmerchant",
    "title": "WEMA Bank Web Merchant Onboarding - Seamless E-commerce Integration",
    "meta_description": "Explore WEMA Bank's web merchant onboarding for seamless e-commerce integration. Join our platform for secure and efficient online transactions, boosting your business in Lagos, Nigeria.",
    "text": "This is a comprehensive online solution that provides a seamless and self-service initiation process that helps customers/merchants receive payments online via their website. It ensures merchants can accept payments conveniently on its website from customers through the provision of a web payment gateway that facilitates collection to suit business needs.\n\nThis solution is only available for Wema customers, non-customers can download ALAT to get started with the process. Click here to download.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nThis is a comprehensive online solution that provides a seamless and self-service initiation process that helps customers/merchants receive payments online via their website. It ensures merchants can accept payments conveniently on its website from customers through the provision of a web payment gateway that facilitates collection to suit business needs.This solution is only available for Wema customers, non-customers can download ALAT to get started with the process. Click here to download.Features- Provides payment gateway to integrate into merchant website.- Facilitates quick collection from customers.-A duly I-match validation for customers’ eligibility- A seamless self-service processBenefits to Customers- Self-service capability.- Quick payment collection worldwide.- Increase in customer satisfaction rate.- Onboard Now.\n\nFeatures- Provides payment gateway to integrate into merchant website.- Facilitates quick collection from customers.-A duly I-match validation for customers’ eligibility- A seamless self-service process\n\nBenefits to Customers- Self-service capability.- Quick payment collection worldwide.- Increase in customer satisfaction rate.- Onboard Now."
  },
  {
    "url": "https://wemabank.com/personal/electronic-banking/wema-webpay",
    "title": "WEMA Bank Webpay - Secure Online Payment Gateway",
    "meta_description": "Secure online transactions with WEMA Bank's Webpay. Explore our reliable payment gateway, ensuring secure and smooth online payments for businesses and individuals in Lagos, Nigeria.",
    "text": "We are glad to introduce to you our aggregated online payment solution that accepts both local and international cards for payment of goods and services called Wema WebPay.\n\nIt is a payment engine integrated into merchants’ websites to receive payments from cardholders (MasterCard, Visa, Verve, etc.) paying with their cards online for goods and services after which the merchant receives value in his account when payment is made.\n\nIt is an online processing platform that enables businesses with or without functional websites to accept card payments from customers globally.\n\nIt ensures that your business can accept payments conveniently on its website from customers all over the world. With Wema WebPay, your website will also have the functionality of monitoring and viewing consolidated reports of transactions irrespective of channels.\n\nBank Verification Number – Code To Check Your BVN\n\nLoan Rate Calculators – Mortgage, Car Loan or Any Loan\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nWe are glad to introduce to you our aggregated online payment solution that accepts both local and international cards for payment of goods and services called Wema WebPay.It is a payment engine integrated into merchants’ websites to receive payments from cardholders (MasterCard, Visa, Verve, etc.) paying with their cards online for goods and services after which the merchant receives value in his account when payment is made.It is an online processing platform that enables businesses with or without functional websites to accept card payments from customers globally.It ensures that your business can accept payments conveniently on its website from customers all over the world. With Wema WebPay, your website will also have the functionality of monitoring and viewing consolidated reports of transactions irrespective of channels.How does this work for a merchant?- Merchant signs payment integration forms for Wema WebPay.- APIs will be exchanged between Wema Bank and the customer’s web developer as part of the integration process .- Following the completion of integration and successful testing of the payment engine on the website, payments by customers can commence.- Merchant is provided with a reporting console to view transactions as they occur online in real time.- Merchant’s account is credited for payments made on her websiteHow does this work for a cardholder?- The customer visits the Merchant’s website and adds desired items to the shopping cart.- The customer selects a card type or Internet Bank to pay with.- The shopping cart links to the payment interface for the selected card type.- The customer securely keys in card information with other required security details.- Once payment is successful, an online receipt is displayed on-screen and can be printed by the Customer.Features- Accepts local and international cards- A single integration connects a website to MasterCard, Visa, Verve, and Internet Banking of Nigerian BanksBenefits to Customer- An easy way of turning a website into a transactional e-commerce platform.- Alternative payment channel with convenience.- Wider customer reach as online presence and payment with cards lead to increased sales.- The economy now demands card payment as a preferred option to cash with large handling charges for individuals and companies who withdraw and pay large volumes of cash.- Reduces risks of theft and other risks associated with cash handling.- Robust reporting tools for online real-time transaction monitoring- Real-time online processing of transactions i.e. instant debit of cardholder’s account immediately after payment is made.- Payment is received by merchants within 24 hours.- Highly secured by 3D secure code and VbV (Verify by Visa).- Flexibility of making payments for goods & services via Internet Banking is very secure due to adequate network and enterprise security built into the system by the Bank.Documentation- Maintenance of an account with Wema Bank.- Completed Application form(Click here to download application form).- Existing website (Wema also has an arrangement in place if non-existing).- Working with your existing website developer.    Apply Now\n\nWe are glad to introduce to you our aggregated online payment solution that accepts both local and international cards for payment of goods and services called Wema WebPay.It is a payment engine integrated into merchants’ websites to receive payments from cardholders (MasterCard, Visa, Verve, etc.) paying with their cards online for goods and services after which the merchant receives value in his account when payment is made.It is an online processing platform that enables businesses with or without functional websites to accept card payments from customers globally.It ensures that your business can accept payments conveniently on its website from customers all over the world. With Wema WebPay, your website will also have the functionality of monitoring and viewing consolidated reports of transactions irrespective of channels.\n\nHow does this work for a merchant?- Merchant signs payment integration forms for Wema WebPay.- APIs will be exchanged between Wema Bank and the customer’s web developer as part of the integration process .- Following the completion of integration and successful testing of the payment engine on the website, payments by customers can commence.- Merchant is provided with a reporting console to view transactions as they occur online in real time.- Merchant’s account is credited for payments made on her website\n\nHow does this work for a cardholder?- The customer visits the Merchant’s website and adds desired items to the shopping cart.- The customer selects a card type or Internet Bank to pay with.- The shopping cart links to the payment interface for the selected card type.- The customer securely keys in card information with other required security details.- Once payment is successful, an online receipt is displayed on-screen and can be printed by the Customer.\n\nFeatures- Accepts local and international cards- A single integration connects a website to MasterCard, Visa, Verve, and Internet Banking of Nigerian Banks\n\nBenefits to Customer- An easy way of turning a website into a transactional e-commerce platform.- Alternative payment channel with convenience.- Wider customer reach as online presence and payment with cards lead to increased sales.- The economy now demands card payment as a preferred option to cash with large handling charges for individuals and companies who withdraw and pay large volumes of cash.- Reduces risks of theft and other risks associated with cash handling.- Robust reporting tools for online real-time transaction monitoring- Real-time online processing of transactions i.e. instant debit of cardholder’s account immediately after payment is made.- Payment is received by merchants within 24 hours.- Highly secured by 3D secure code and VbV (Verify by Visa).- Flexibility of making payments for goods & services via Internet Banking is very secure due to adequate network and enterprise security built into the system by the Bank.\n\nDocumentation- Maintenance of an account with Wema Bank.- Completed Application form(Click here to download application form).- Existing website (Wema also has an arrangement in place if non-existing).- Working with your existing website developer.    Apply Now"
  },
  {
    "url": "https://wemabank.com/personal/prestige-banking",
    "title": "WEMA Bank Prestige Banking - Tailored for Your Financial Success",
    "meta_description": "Bank the first-class way with Wema Prestige Banking and Discover accounts that suits your status; Here is a glimpse of what awaits you!",
    "text": "We are committed to providing a suite of banking products, investment services, and a range of unparalleled services to enhance your lifestyle. Opening the right account is one of the best decisions you can make for now and the future because you are guaranteed the safety of your funds with attractive interest.\n\nTrue luxury is designing a life that allows you to do what you want, when you want.\n\nWe anticipate your needs and provide perfect solutions-you never have to ask!\n\nWith Wema Bank, enjoy ease, live the premium life, get more with less effort.\n\nEnjoy less cost and more profit, get discounted rates on loans and investments.\n\nDiscover the ultimate banking experience – tailor-made wealth management, elite lifestyle perks, and comprehensive financial solutions designed for you.\n\nBe a Prestige Visa Signature client & unlock a world of perks: Lounges, travel insurance, warranties & more!\n\nOur dedicated team partners with you to craft a financial plan – savings, investments, and more!\n\nAccess to our partners benefits, premium services for less, discounts at spa hotels, restaurants, PTA requests, Flight booking, and more!\n\nWith ALAT, you will be able to process bill payments, make fund transfers with ease, and do so much more.\n\nSkip the line! 24/7 support, priority service & savings on products.\n\nWith Bancassurance, we connect you with insurance companies for lifestyle, financial, and personal risk protection solutions.\n\nThrough our exclusive events, seminars, and webinars on financial topics and investment trends, you will be able to connect with HNIs.\n\nGain access to customized credit solutions with advantageous pricing, whether it's for expanding your business or acquiring assets.\n\nExplore a suite of high-yield savings accounts and investment options that maximize returns.\n\nPrestige Current Account (PCA): This is an account targeted at decerning High net worth individuals who require personalized financial service and lifestyle advantage.\n\nThe Domiciliary current account is designed to enable you carry out local and international transactions from the comfort of your home, office or abroad. The account is denominated in Euros, Pounds and Dollars\n\nThe Naira Platinum Debit Card is a unique card tailored to our for Prestige Current Account Holders   with exclusive access to premium benefits beyond the standard Naira MasterCard. This includes a   mix of higher transaction limits, discount offers/rewards etc.\n\nGain access to exceptional spending power with a wide range of exclusive privileges   and rewards.\n\nMoneyGram transfer service is available in all Wema Bank branches. We have a solid partnership with MoneyGram which allows our customers the luxury of collecting their payments from friends and family in approximately 350,000 locations in over 200 countries all over the world.\n\nWema Bank. All Rights Reserved.\n\n54 Marina, Lagos Island Lagos State Nigeria\n\n© Wema Bank. All Rights Reserved.\n\nPrestige LifestyleTrue luxury is designing a life that allows you to do what you want, when you want.We anticipate your needs and provide perfect solutions-you never have to ask!With Wema Bank, enjoy ease, live the premium life, get more with less effort.Enjoy less cost and more profit, get discounted rates on loans and investments.\n\nBenefitsExclusive Privileges Await with Wema Prestige BankingDiscover the ultimate banking experience – tailor-made wealth management, elite lifestyle perks, and comprehensive financial solutions designed for you.Visa Signature CardsBe a Prestige Visa Signature client & unlock a world of perks: Lounges, travel insurance, warranties & more!Get started Personalized Wealth ManagementOur dedicated team partners with you to craft a financial plan – savings, investments, and more! Get started Complementary Lifestyle BenefitsAccess to our partners benefits, premium services for less, discounts at spa hotels, restaurants, PTA requests, Flight booking, and more!Get started Personalized Digital banking platformWith ALAT, you will be able to process bill payments, make fund transfers with ease, and do so much more.Get started Exceptional ServicesSkip the line! 24/7 support, priority service & savings on products.Get started Comprehensive Insurance SolutionsWith Bancassurance, we connect you with insurance companies for lifestyle, financial, and personal risk protection solutions.Get started Networking OpportunitiesThrough our exclusive events, seminars, and webinars on financial topics and investment trends, you will be able to connect with HNIs.Get started Tailored Credit FacilitiesGain access to customized credit solutions with advantageous pricing, whether it's for expanding your business or acquiring assets.Get started Savings and Investment SolutionsExplore a suite of high-yield savings accounts and investment options that maximize returns. Get started Prestige AccountPrestige Current Account (PCA): This is an account targeted at decerning High net worth individuals who require personalized financial service and lifestyle advantage.Opening & Minimum Operating Balance of N100,000 for individualsZero account maintenance if the minimum operating balance is maintained.Zero commission on purchase of Personal Travel AllowancePersonalized cheque book (1st Booklet issued free of charge)Platinum MasterCard, debit card with specialized benefits availableInterest of 1% per annum is paid on the account balance. Domiciliary PlusThe Domiciliary current account is designed to enable you carry out local and international transactions from the comfort of your home, office or abroad. The account is denominated in Euros, Pounds and DollarsAccess to USD Mastercard, Debit Card for online and web transactions and withdrawal abroadCompetitive interest rareZero commission on purchase of Personal Travel AllowanceEnables you to save in foreign currency with secure and easy access to fundsEarn up to 4.5% on investment in foreign currency through a fixed deposit or USD Goals on the ALAT by Wema appForeign currency cash withdrawals and transfers at any of our branchesReceive international transfers and remittance directly to your accountFree SWIFT transfer inward charges\n\nBenefitsExclusive Privileges Await with Wema Prestige BankingDiscover the ultimate banking experience – tailor-made wealth management, elite lifestyle perks, and comprehensive financial solutions designed for you.Visa Signature CardsBe a Prestige Visa Signature client & unlock a world of perks: Lounges, travel insurance, warranties & more!Get started Personalized Wealth ManagementOur dedicated team partners with you to craft a financial plan – savings, investments, and more! Get started Complementary Lifestyle BenefitsAccess to our partners benefits, premium services for less, discounts at spa hotels, restaurants, PTA requests, Flight booking, and more!Get started Personalized Digital banking platformWith ALAT, you will be able to process bill payments, make fund transfers with ease, and do so much more.Get started Exceptional ServicesSkip the line! 24/7 support, priority service & savings on products.Get started Comprehensive Insurance SolutionsWith Bancassurance, we connect you with insurance companies for lifestyle, financial, and personal risk protection solutions.Get started Networking OpportunitiesThrough our exclusive events, seminars, and webinars on financial topics and investment trends, you will be able to connect with HNIs.Get started Tailored Credit FacilitiesGain access to customized credit solutions with advantageous pricing, whether it's for expanding your business or acquiring assets.Get started Savings and Investment SolutionsExplore a suite of high-yield savings accounts and investment options that maximize returns. Get started\n\nPrestige AccountPrestige Current Account (PCA): This is an account targeted at decerning High net worth individuals who require personalized financial service and lifestyle advantage.Opening & Minimum Operating Balance of N100,000 for individualsZero account maintenance if the minimum operating balance is maintained.Zero commission on purchase of Personal Travel AllowancePersonalized cheque book (1st Booklet issued free of charge)Platinum MasterCard, debit card with specialized benefits availableInterest of 1% per annum is paid on the account balance.\n\nDomiciliary PlusThe Domiciliary current account is designed to enable you carry out local and international transactions from the comfort of your home, office or abroad. The account is denominated in Euros, Pounds and DollarsAccess to USD Mastercard, Debit Card for online and web transactions and withdrawal abroadCompetitive interest rareZero commission on purchase of Personal Travel AllowanceEnables you to save in foreign currency with secure and easy access to fundsEarn up to 4.5% on investment in foreign currency through a fixed deposit or USD Goals on the ALAT by Wema appForeign currency cash withdrawals and transfers at any of our branchesReceive international transfers and remittance directly to your accountFree SWIFT transfer inward charges\n\nFAQWhat is Prestige Banking?Who qualifies for prestige Banking?What benefits does Prestige Banking offer?What type of card does Prestige banking offer?What types of accounts are available under Prestige Banking?How do I become a Prestige Banking client?Is my information kept confidential with Prestige Banking?Can I access Prestige Banking services online or through mobile banking?How can I contact the Prestige Banking team for assistance?How can I learn more about Prestige Banking offerings and benefits?\n\nWhat is Prestige Banking?Who qualifies for prestige Banking?What benefits does Prestige Banking offer?What type of card does Prestige banking offer?What types of accounts are available under Prestige Banking?How do I become a Prestige Banking client?Is my information kept confidential with Prestige Banking?Can I access Prestige Banking services online or through mobile banking?How can I contact the Prestige Banking team for assistance?How can I learn more about Prestige Banking offerings and benefits?"
  }
]