How to Enroll/Register for FCMB USSD code, Mobile app, Online/Internet banking: Transfer money, Pay bills,check E-statement of account and link BVN

First city monument bank which also known as FCMB is one of the biggest bank in Nigeria has introduce USSD (Unstructured Supplementary Service Data) which allow customer’s carry out financial transaction on- they- Go from their comfort zone without stress.

The bank also unveiled their mobile app and online/ internet banking . Account holders can easily transfer money from your FCMB account to another bank in Nigeria. Buy airtime, pay bills, and perform other transactions using either FCMB USSD code for mobile banking, Mobile app or online/internet banking.

Also read: How To Buy Airtime Recharge Code From FCMB Bank Account

The service is accessible by all phone types (featured and non-featured phones) and users of USSD Banking must ensure their phones are always secured. It is seamless, fast and secure.

This article will address questions partaking the following queries – FCMB Transfer Code ,fcmb transfer code to other bank, how to activate fcmb transfer code, how to register/enroll fcmb transfer code, fcmb ussd code for recharge, fcmb ussd code to check balance, fcmb transfer pin.

The post will also provide solutions to how to register for mobile app and online/internet banking Pay bills and open bank account.




FCMB customers can make of this banking service for the following purpose:

. Balance Enquiry

· Airtime & data purchase

· Funds Transfer

· Bills Payment

· Merchant Payment

· Loan services

· Account Statement

· Card/Account Blocking

· Pin change and reset

· Transaction Code change and reset

· Link BVN

· Limit Increase

You can also read: FCMB Bank USSD code:How to check Account Balance, e-Statement of Account online


How To Activate FCMB Mobile Banking ( FCMB Transfer Code Activation )

To activate /enroll for FCMB ussd code customers need to Dial*329* You will receive a welcome message from FCMB with a menu option.

2. select register/enroll for ussd
3.You could either Activate with card, Activate with Account or Activate with Mwallet
4. Follow the on screen message once you choose your best options
5. Create your one time PIN code for transaction authorization which normally 4 digit number.

How To Transfer Money From FCMB To Other Banks

To transfer money from FCMB,customers need to Dial *329*Amount*Account number# to transfer funds.

Make sure you enter the correct beneficiary details like account number, bank name and your transfer pin that you created above. And it must be done from your mobile phone that is link to fmcb bank account.

How To Check Your FCMB Account Balance

To check FCMB account balance customers need to Dial *329*00# to check balance.
Please note: you must carry out this transaction service for your mobile link to your account.


How To Buy Airtime Using FCMB USSD Banking

To buy recharge card or Airtime for self and family customers need to Dial*329*Amount# to top-up your mobile phone.

Customers should also Dial *329*Amount*Mobile number# to top-up family and friends mobile phones.

How to pay for DSTv or GOTv subscription using FCMB USSD Banking


To pay for DSTv or GOTv subscription, customers need to Dial *329*2*Amount*Smartcard Number# to pay for DSTv or GOTv subscription.

ALSO READ: FCMB Transfer Code : How to transfer from FCMB to other banks account


How to Link  BVN  using FCMB ussd code

To link your BVN to FCMB account simply dial *329#, select self-service, select link BVN to link BVN

How to check for FCMB STATEMENT OF aCCOUNT duration (up to 6 months).

To check FCMB statement of account for up to six months account holders should dial *329#, select statement, select full statement, then select duration (up to 6 months). Your statement will be sent to your registered email address instantly.


How to Pay for Electricity Bills using fcmb ussd code


Dial *329*3*Amount*Meter No# or *329*3*Amount*AccountID# to make your electricity bill payments using FCMB ussd code

How to Block FCMB Card/Account using ussd code

To Block USSD Profile or Block Bank Account- *329*911# (Dial from either Registered or Unregistered number)
Dial *329*911#
Select 1 for USSD Account
Select 2 for Bank Account
Enter Mobile Number or Bank Account Number
Confirm blocking of displayed Mobile Number/Bank Account and enter USSD 4 digit PIN

ALSO READ: How To Buy Airtime Recharge Code From FCMB Bank Account

How to Increase FCMB transfer Limits up to N500,000.00 daily

If you have not created your transaction code, simply follow these simple steps:

1. Dial *329*0#
2. Select Create/Reset code
3. Select your ATM Card (for customers with multiple cards)
4. Enter your ATM Card PIN
5. Create a 4-digit Transaction Code e.g. 1234
6. Enter your USSD PIN
7. Transaction code created successfully.



With FCMBMobile, you can carry out transactions whenever you want, wherever you are. Just Download on respective app stores, register and Bank on the go.This will enable you do more at so much convenience such as:

1. Fixed Deposits
2. Self-service limit increase
3. Multiple authentication methods
4. Single/multiple customer onboarding
5. SME and personal account opening
6. Education investment plan
7. Chequebook and draft request

8. Target savings
9. Loans
10. Dispute transaction via the App
11. Card management
12. Account officer support
13. Birthday notification
14. Cardless withdrawals
15. Pay bills and utilities
16. Diversify your investment with FCMB Asset Management
17. Enroll with FCMB Pensions easily
18. Get a credit card or manage your existing credit card

You may like to read: FCMB  Nigeria Customer Care: Phone Number,Social Media and Email

How to Enroll for FCMB mobile app banking


It can be downloaded from the below app stores:

Apple Store
Google Playstore

To register for fmcb mobile banking,Simply follow the quick steps below:

A. Existing Users: If you already have Internet Banking or an FCMB Mobile Plus profile, simply login with your existing username and password.

B. New Users: Follow the steps below:

· Launch the app (if you have not already downloaded it, please click here to do so)

· Select “Sign Up”

· Select “I have an FCMB Account”

· Enter your account number and confirm account name

· Enter your card details (first 5 and last 4 digits of card PAN), then your card PIN

· Or select “Get OTP” and then enter the OTP sent to your registered mobile number

· Create your Transaction PIN

· Enter a Referral Code (optional)

That’s it! You can start transacting immediately. Adjust your transaction limit with your debit card or call our Contact Center on 0700 329 0000.

Note: You can select “I don’t have an FCMB account” at step 3 above to open an FCMB account. Once done, follow the steps above to register.

What is My Maximum Daily Transfer Limit with FCMB Mobile app banking?


Individual User Profile: N1,000,000 per transfer
Business User Profile: N10,000,000 per transfer

What Do I Do If I Forget My FCMB Mobile app Username, Password or PIN?

You can retrieve your details on the app. Simply login, click on “forgot credentials” and follow the steps. You can also call our Contact Centre on 01-2798800 or 0700 329 0000, send an email to or visit any FCMB branch for assistance.



FCMB Online banking is another option to conveniently carry out transactions online at home or your office. Banking is right where you are.It is an online real-time solution that allows business organizations 24/7 access to their FCMB accounts as well as the opportunity to manage their finances anywhere and anytime with the aid of an internet enabled device.


FCMB Online allows you do the following:


1. Instant Funds Transfer: Within FCMB accounts and other Bank accounts.
2. Multiple Transfers at an instance.
3. Instant Airtime Top Up.
4. Pay bills e.g. DSTV, GOTV, PHCN, BB, IPNX, SWIFT subscription etc.
5. Pay Wakanow Airfare.
5. Forex Transfers.
6. Cardless Transfers
7. Fund Credit Card.
8. Salary Loan Top up
9. Fixed Deposit Investment
10. Set Standing Instruction for periodic payments.
11. Consolidated view of ALL your FCMB accounts.
12. Consolidated view of your credit card account.
13. Check and download account statements in PDF, MS Word or Excel.
14. Request ATM debit card/Cheque book/bank drafts.
15. Request Mobile Token/Reset Hardware Token
16. Block your ATM debit card.
17. Locate nearest ATM to you.
18. Self-service Pin Selection/Card Activation for MasterCard and Verve Debit Cards

How to register for FCMB Online/Internet banking

1. Go to FCMB website on, click on Internet Banking at the top right corner (or top left if using phone or tablet), and then click ‘Personal’ from the drop down list.
2. Click on ‘Register Now’. It’s found just below the line under the space for user name.
Read and accept the terms and conditions
3. Click on “I Agree” button
4. Enter account name and 10 digits account number.
5. Enter mobile number and email address as registered with the bank (these must be exactly the same as provided to the bank. Include 234 only if this is contained in phone number provided to the bank )
6. Select a new login name (preferred name for logging into FCMBonline)
7. Select ATM card Preference (Click Yes, if you have one that is not expired. No if you don’t)
8. If yes, enter card PAN (16 or 19 digits number), if no, continue without card PAN
Click ‘Submit’ to register form

READ: ATM & POS Cardless Withdrawal: GTBank, FCMB and UBA How to withdraw Money from any ATM without a card


FCMB Internet banking login password reset steps.

1. Go to FCMB website on, click on Internet Banking at the top right corner (or top left if using phone or tablet), and then click ‘Personal’ from the drop down list.
2. Click on ‘Forget Your Password?’ link (below the space for password)
3. Provide User ID and one secret answer, Click on ‘Reset Password’ to receive default password
4. Default Password is sent to registered email address
5. Copy Default Password from registered email address and Login
6. Change ‘default password’ to your ‘preferred password’

FCMB Internet banking transaction password reset steps.

1. Go to FCMB website on, click on Internet Banking at the top right corner (or top left for phones and tablets), and then click ‘Personal’ from the drop down list.
2. Login with your ‘Username and Password’
3. Answer Security Question.
4. Click on ‘Home Options’ on the Internet Banking menu.
5. Click on Transaction Password

6. Click on ‘Click here to get new transaction password (Reset)’
7. Answer the security question, enter your login password and click Reset. A transaction password will be sent to your email address.
8. Check your email address, when you find it, copy the transaction password
9. Return to the home options by signing into FCMBOnline – personal version through
10. Click on Transaction Password again
11. Answer the security question, enter or paste the copied password in the space provided
12. Enter a new transaction password
13. Confirm the new transaction password
14. Click on change password, insert and confirm your new password to complete the process.

FCMB Internet banking token reset steps.

1. Go to FCMB website on, click on Internet Banking at the top right corner (or top left if using phone or tablet), and then click ‘Personal’ from the drop down list.
2. Login with your Username and Password.
3. Answer Security Question
4. Click on ‘Utilities Options’ on the Internet Banking menu
5. Click on ‘Hardware Token’ Reset
6. Click on ‘Reset My Token’ Button



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