First City Monument Bank (FCMB) has contributed greatly to Nigeria’s banking history since its establishment in 1982 by the late Otunba Subomi Balogun. FCMB is a widely recognized full service bank group in Nigeria and other parts of Africa.
Because of its continual digital banking innovations and the increase to the Central Bank of Nigeria’s N500 billion, FCMB has made a name for itself in the news.
Whether you want to open an account or you are trying to learn how to use the digital banking tools, this guide will help you with everything you need to know about banking with FCMB in 2026.
This guide includes the FCMB mobile App, USSD codes, customer care, internet banking, and the innovations the bank has recently made.
Overview of FCMB: A Bank with Legacy
FCMB is a Tier 2 Financial institution in the FCMB Group Plc. and is one of Nigeria’s largest banks. Otunba Subomi Balogun established the bank in 1982.
Key Facts About FCMB:
- Founded: 1982
- Group CEO: Ladi Balogun
- Headquarters: Primrose Towers, 17A Tinubu Street, Marina, Lagos
- Total Assets (as of Sept 2025): N7.23 trillion ($4.97 billion)
- Mobile App Downloads: 5 million – 10 million on Google Play Store
FCMB’s Vision & Mission:
The bank’s vision is “to be a global bank of African origin renowned for EPIC leadership,” and its mission is “to empower customers to confidently realise their dreams”
FCMB Mobile App: Your Bank in Your Pocket
Digital Banking made Banking Fast, Easy, Secure and Convenient. The FCMB Mobile Banking App is for the digital banking solution of the bank. The App is available for the Android and iOS operating systems and is named FCMB Mobile.
Key Features of the FCMB Mobile App
The FCMB Mobile App offers a comprehensive suite of banking services :
| Feature | Description |
| Account Management | View account balances and transaction history in real-time |
| Fund Transfers | Transfer money between FCMB accounts and to other Nigerian banks |
| Bill Payments | Pay electricity bills, DStv, GOtv, and other subscriptions |
| Airtime & Data Purchase | Buy airtime and data for yourself or others |
| Card Management | Block/unblock debit cards instantly from the app |
| Account Opening | Open a new bank account in minutes without paperwork |
| Business Banking | Manage personal and business accounts in one app |
| Notification Alerts | Receive real-time alerts for all account activities |
How to Download the FCMB Mobile App
- For Android Users: Download from the Google Play Store by searching “FCMB Mobile”
- For iOS Users: Download from the Apple App Store by searching “FCMB Mobile”
The app was last updated in May 2026 (version 2.3.2) and requires Android 7.0 or higher .
How to Register for FCMB Mobile App
- Download the FCMB Mobile App from your app store
- Open the app and click “Register” or “Sign Up”
- Enter your account number and other required details
- Verify your identity using your BVN or debit card
- Create a secure login password or biometric authentication
- Complete the registration process
The app supports instant account opening for new customers—no paperwork, no stress .
FCMB USSD Code: Banking Without Internet
For customers who prefer banking without an internet connection, FCMB offers a robust USSD banking platform.
The FCMB USSD code is *329#
What is the FCMB Transfer Code?
The FCMB Transfer Code is a USSD code that allows you to access banking services from any mobile phone, even without internet access. It works on all network providers (MTN, Glo, Airtel, 9mobile) and is compatible with any phone type .
How to Register for FCMB USSD Banking
To start using the FCMB USSD code:
- Dial *329# from the phone number linked to your FCMB account
- Follow the on-screen prompts to select your account
- Create a 4-digit transaction PIN
- Confirm your PIN to complete registration
Once registered, you can perform various banking transactions using simple USSD commands.
Complete List of FCMB USSD Codes
Here is a comprehensive table of FCMB USSD codes for different transactions :
| Transaction | USSD Code |
| Fund Transfer | *329*Amount*AccountNumber# |
| Check Account Balance | *329*00# |
| Buy Airtime for Yourself | *329*Amount# |
| Buy Airtime for Another Phone | *329*Amount*MobileNumber# |
| Buy Data for Another Phone | *329*1*MobileNumber# |
| Pay DStv/GOtv Subscription | *329*2*Amount*SmartcardNumber# |
| Pay Electricity Bills | *329*3*Amount\MeterNumber# or *329*3*Amount*AccountID# |
| Create/Reset PIN | *329*0# |
| Block Debit Card | Dial *329# → Self-Service → Block Card |
| Block Account | Dial *329# → Self-Service → Block Account |
| Link BVN | Dial *329# → Self-Service → Link BVN |
| Mini Statement | Dial *329# → Statement → Mini Statement |
| Full Statement | Dial *329# → Statement → Full Statement |
Example: To transfer ₦10,000 to account number 1234567890, dial *329*10000*1234567890# and follow the prompts .
Requirements for USSD Banking
- An active FCMB account linked to your phone number
- A registered phone number that matches your bank records
- An account in good standing
FCMB Customer Care Number: Reaching Support
When you need assistance, FCMB provides multiple channels to reach their customer care team. The bank’s contact centre is available to handle enquiries, complaints, and technical support.
FCMB Customer Care Phone Numbers
| Contact Method | Details |
| Customer Care Line 1 | 01-2798800 |
| Customer Care Line 2 | 07003290000 |
| International Contact | +234 7032657353 |
Other Ways to Reach FCMB Customer Care
- Email: customerservice@fcmb.com
- Website: www.fcmb.com
- Social Media: FCMB is active on Twitter, Facebook, and Instagram
How to Register for Telephone Banking
FCMB offers telephone banking for customers who prefer to bank via phone call. To register:
- Dial the Contact Centre on 07003290000 or 01-2798800
- Follow the voice prompt and press 1 for Telephone Banking
- Press 2 to register (for new users)
FCMB Internet Banking: Online Banking Platform
For customers who prefer desktop banking, FCMB offers a comprehensive internet banking platform accessible via www.fcmb.com.
How to Register for FCMB Internet Banking
Follow these steps to register for FCMB Online Banking :
- Go to www.fcmb.com
- Click on “Internet Banking” at the top right corner
- Select “Personal” from the drop-down list
- Click on “Register Now”
- Read and accept the terms and conditions
- Enter your account name and 10-digit account number
- Enter your mobile number and email address (as registered with the bank)
- Select a login name (preferred name for logging in)
- Enter your ATM card PAN (16 or 19 digits) if available
- Click “Submit” to complete registration
Once registered, you can access your accounts, transfer funds, pay bills, and manage your finances from any computer with internet access.
FCMB Account Opening: How to Get Started
FCMB has made account opening simple and convenient, with options for both physical and digital account opening.
Open an Account via the Mobile App
The FCMB Mobile App allows you to open an account in minutes:
- Download the FCMB Mobile App
- Click on “Open an Account”
- Provide your personal information
- Verify your identity using your BVN
- Complete the process and receive your account number instantly
Open an Account at a Branch
Visit any FCMB branch nationwide with:
- Valid means of identification (National ID, International Passport, Driver’s License, or Voter’s Card)
- Passport photographs
- BVN (Bank Verification Number)
FCMB Debit Card Management
Managing your FCMB debit card is easy through multiple channels.
How to Block a Lost or Stolen Card
- Via USSD: Dial *329# → Self-Service → Block Card
- Via Mobile App: Open the app → Card Management → Block Card
- Via Customer Care: Call 01-2798800 or 07003290000
How to Activate a New Debit Card
- Insert the card at any FCMB ATM
- Follow the on-screen prompts to select your preferred PIN
- Complete the activation process
FCMB Loans and Credit Products
FCMB offers various loan products to meet customer needs.
Types of Loans Available
| Loan Type | Description |
| Salary Advance | Short-term loan for salaried workers |
| Personal Loan | Unsecured loan for personal needs |
| Business Loan | Funding for small and medium enterprises |
| Mortgage | Home financing solutions |
| Asset Finance | Vehicle and equipment financing |
To apply for a loan, visit any FCMB branch or check the mobile app for eligibility.
Frequently Asked Questions (FAQs)
1. What is the FCMB transfer code?
The FCMB transfer code is *329#. Perform transfers, balance inquiries, airtime purchases, and other banking transactions by dialing this code from the mobile number linked to your FCMB account .
2. How do I check my FCMB account balance?
Dial *329*00# from your registered phone number to obtain your FCMB account balance. You can also check via the FCMB Mobile App or internet banking .
3. What is the FCMB customer care number?
You can reach FCMB customer care by calling 01-2798800 or 07003290000. You can also contact us by emailing customerservice@fcmb.com.
4. How do I register for the FCMB mobile app?
The FCMB Mobile App can be downloaded from the Google Play Store or Apple App Store. Open the App and select “Register,” then follow the prompts to link your account or open a new one .
5. Can I use FCMB USSD code without the internet?
Yes, the USSD code *329# provides banking services on any mobile device without the use of the internet .
Conclusion
FCMB has established itself as a resilient and innovative financial institution in Nigeria. From its humble beginnings in 1982 to successfully meeting the N500 billion recapitalisation requirement in 2026, the bank continues to demonstrate strength and adaptability .
For customers, FCMB offers multiple convenient banking channels: the feature-rich mobile app, the easy-to-use USSD code (*329#), robust internet banking, and responsive customer care. Whether you’re a tech-savvy user who prefers digital banking or someone who values the simplicity of USSD codes, FCMB has you covered.
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