Why My ALAT Virtual Naira Card Not Working

ALAT by Wema Bank is a digital-only banking platform that offers customers the convenience of banking activities. One of its popular features is the virtual Naira card that enables users to make online payments, both local and international.

As the name implies, this card is entirely virtual and can be accessed from the ALAT mobile app.

However, like any other digital product, sometimes things can go wrong, and users may experience issues with their virtual Naira card not working.

In this article, we will explore some of the common reasons why this can occur and what users can do to fix the problem.

Firstly, one of the most common reasons why your virtual Naira card may not be working is due to insufficient funds in your account.

Even though the virtual Naira card is not a physical card, it works in the same way as a regular debit card.

Your account must have enough funds to cover the cost of the transaction. If you try to make a payment, and your account balance is insufficient, the transaction will not go through, and you will receive an error message indicating that your card has been declined.

In this case, you will need to ensure that you have enough funds in your account to cover the payment.

Another reason why your virtual Naira card may not be working is due to technical issues.

Like any other digital platform, ALAT can experience technical difficulties that may impact the performance of its services. If this is the case, you may find that your virtual Naira card is not working, and you are unable to make payments.

In such situations, it is advisable to contact ALAT’s customer support team to report the issue and seek assistance. The customer support team is available 24/7 and can be reached via live chat or phone call.

Another possible cause of your virtual Naira card not working could be due to security concerns.

If ALAT detects any suspicious activity on your account, they may temporarily freeze your virtual Naira card as a precautionary measure.

This is done to protect your account from fraudulent activities such as unauthorized transactions or identity theft. In such cases, you will receive a notification informing you of the issue, and you will be required to verify your identity before your card can be unblocked.

Sometimes users may forget to activate their virtual Naira card, which can prevent it from functioning correctly. Unlike physical debit cards that need to be activated by inserting them into an ATM or making a purchase, virtual Naira cards require users to manually activate them via the ALAT mobile app.

To activate your virtual Naira card, navigate to the ‘Cards’ section of the ALAT app and select the virtual Naira card option.

Then click on the ‘Activate’ button and follow the on-screen instructions to complete the process. Once activated, you can start using your virtual Naira card to make online payments.