For those who don’t know, the FCMB mobile banking solution is a self-service, that is stress free and secured solution available on all GSM networks and phone types in Nigeria. The solution enables both new and existing customers to carry out different banking transactions on their mobile device.

This FCMB mobile banking solution, you can buy airtime for yourself and for others, transfer money, pay your bills, open account, check mini statements, purchase data, request for enrolment, check account your balance, request for card or cheque, make mobile wallet deposits and withdrawal and also do much more via your phone.

With high technological advancement and with the internet the global market linking us all, the FCMB mobile banking has brought banking to not just your doorsteps but also to your fingertips.

The FCMB Mobile Banking Could Be Done In Two Ways

  • Can be done via USSD.
  • Can be done via the app.

If you want to use the FCMB USSD, you must first register for the service by following the steps below:

  • Just dial *329# on your mobile using the registered phone number or the phone number you used to open your FCMB account.
  • Input your first and last name
  • Input your date of birth registered in your account
  • Input your gender.
  • Then create your desired pin and also confirm the pin

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Here Is How To Perform Different Transactions Using The USSD *329#

  • Buying airtime: if you want to top up your phone, just dial *329*amount#.

Example, *329*1000# and to top up for others, simply dial *329*amount*mobile no#. For example, *329*1000*08012345678#

  • Money transfer: if you want to send money, just dial *329*amount*account no# and then Enter your 4- digit transfer pin. After which, you will either get a success message or failed transaction message.
  • Account balance: to make any balance enquiry, just dial *329*00#
  • Pin changing: To change your pin, simply dial *329*0#, and then input the old pin followed by the new pin and then send
  • Wallet account: if you intent to operate a FCMB mobile wallet account, then dial *329# and then enter the phone number you want to use to open the wallet account. Then input your name, date of birth and gender, then send. After which, follow the onscreen instructions and complete your registration.

The Benefits Of Using The USSD

  • You don’t need any internet or data connection.
  • It’s Quick, fast and easy
  • It’s very simple to use and available on all phone types and mobile networks.
  • Ability to perform different transactions instantly 24/7
  • It saves you the stress of going to the bank.

The FCMB Mobile Apps

  • You need to download the app from your phone’s app store or you visit their website at to download and install the app
  • Once downloaded, open the app and click on internet banking and then click personal banking from the drop down list
  • Next, click on “Register now” below the line that is under the space for username
  • Ensure you read and accept the terms and conditions by clicking the I agree button.
  • Then input your account number and account name,
  • Input your email address and valid phone number you used to register at the bank
  • Choose a new login or username
  • Choose the ATM card preference either MasterCard, Verve or Visa
  • Then input the 16 or 19 digit card number
  • Finally click submit to register your form.


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