The FCMB mobile banking solution is a self service, stress free and secured solution available on all GSM networks and phone types in Nigeria. It enables both new and existing customers to carry out various banking transactions on their mobile device. With the FCMB mobile banking solution, you can buy airtime for yourself or others, transfer funds, pay bills, check mini statements, open account, purchase data, check account balance, request enrollment, request for card or cheque, mobile wallet deposits and withdrawal and lots more through your phone.

In this age of high technological advancement with the internet the global market linking us all, the FCMB mobile banking brings banking to not just your doorsteps but also to your fingertips. FCMB mobile banking could be done through two ways:

– Via USSD.

– Via the app.



To Use The FCMB USSD, you must first register for the service by:

  1. Dial *329# on your mobile using your registered phone number or the phone number you used to open your FCMB account.
  2. Enter your first and last name
  3. Enter the date of birth registered in your account
  4. Enter your gender.
  5. Create your desired pin and confirm the pin


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How to Perform Various Transactions Using The USSD *329#

  1. Airtime top up. – To top up your phone, just dial *329*amount#.Example *329*1000#

– To top up for others, just dial *329*amount*mobile no#. Example *329*1000*08012345678#

  1. To check your balance.- for balance enquiry, just dial *329*00#
  2. To reset your pin. To change your pin,just dial *329*0#, then input the old pin followed by the new pin then send
  3. To transfer funds.- To send money, just dial *329*amount*account no# – Enter your 4- digit transfer pin. – You will either get a success message or failed transaction message.
  4. To open FCMB wallet account. -To operate a FCMB mobile wallet account, dial *329# then enter the phone number you want to use to open the wallet account,your name,date of birth and gender then send. – Follow the onscreen prompts and complete your registration.



  1. No need for internet or data connection.
  2. Quick, fast and easy
  3. Simple to use and available on all phone types and mobile networks.
  4. You can perform various transactions instantly 24/7
  5. Saves you the stress of going to the bank.



FCMB Mobile App

  1. Download the app from your phone’d appstore or visit the website at to download and install the app
  2. Open the app and click on internet banking then click personal banking from the drop down list
  3. Click on “Register now” below the line under the space for username
  4. Read and accept the terms and conditions by clicking the “I agree” button.
  5. Enter your account number and account name,
  6. Enter your email address and phone number you used to register at the bank
  7. Select a new login or username
  8. Select the ATM card preference (MasterCard/Verve/Visa)
  9. Enter the 16 or 19 digit card number
  10. Click submit to register your form.


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