FCMB (First City Monument Bank) offers three ways to bank without visiting a branch: the FCMB Mobile app, the FCMB Internet Banking portal, and the *329# USSD short code. This guide shows how to register, log in, transfer funds, buy airtime and reset your PIN on each channel — updated for 2026.
Also See: Access Bank *901# | UBA *919#
FCMB Mobile App — Download & Register
The FCMB Mobile app lets you open an account, transfer funds, pay bills, buy airtime/data, manage cards and apply for loans from your phone.
- Download FCMB Mobile from Google Play (Android) or App Store (iOS).
- Open the app and tap Register.
- Enter your 10-digit FCMB account number and the debit card number, expiry date and PIN linked to it.
- Confirm the OTP sent to your registered phone.
- Set a 6-digit transaction PIN and a login password (or biometric login on supported devices).
No FCMB card? Visit any branch with a valid ID to link a debit card to your profile, then complete app registration.
FCMB Internet Banking — Register & Login
The web portal at ibank.fcmb.com handles personal and corporate transactions on a desktop browser.
- Visit ibank.fcmb.com and click Register.
- Read and accept the terms.
- Enter your account name, 10-digit account number, registered phone number and email.
- Choose a unique username.
- Enter your debit card number and PIN to verify your identity.
- Submit. A confirmation email is sent to your registered address.
- Log back in with the username and the password emailed to you, then change the password on first login.
Reset Your Internet Banking Password
- On the login page, click Forgot Password.
- Enter your User ID and answer your secret question.
- A temporary password is emailed to you.
- Log in with the temporary password and set a new one.
FCMB *329# USSD — Quick Mobile Banking
USSD works on any phone, with or without internet. Use the same SIM you registered with the bank.
Register for *329#
Dial *329# from your registered number, then follow the prompts. You will need your debit card details to set a 4-digit USSD PIN.
Common *329# Codes
- Check balance: *329*00#
- Transfer to FCMB or any bank: *329*Amount*AccountNumber#
- Buy airtime for self: *329*Amount#
- Buy airtime for another number: *329*Amount*RecipientNumber#
- Buy data: *329*7#
- Pay bills (DSTV, electricity, etc.): *329*8#
- Reset USSD PIN: *329*0#
- Block your account (in emergency): *329*911#
Daily limit: ₦200,000 for transfers and ₦5,000 for airtime/data on *329#. For higher limits, use the FCMB Mobile app or Internet banking.
FCMB Mobile Token (for Internet Banking)
A soft token replaces the old hardware token. Most customers no longer need a separate token app — the FCMB Mobile app generates one-time codes for Internet banking transfers.
- Log in to FCMB Internet banking.
- When prompted for a token, open the FCMB Mobile app on your registered phone.
- Tap Soft Token on the dashboard.
- Enter the displayed 6-digit code on the Internet banking page within 30 seconds.
FCMB Customer Service
- Phone: 0700-329-0000, 0201-227-2800 or 0201-279-8800
- Email: customerservice@fcmb.com
- Website: www.fcmb.com
- Hours: 24/7, including weekends and public holidays
Frequently Asked Questions
Is *329# free?
The USSD session itself is free, but each transaction (transfer or airtime purchase) attracts a ₦6.98 telco fee plus the standard FCMB transaction charge.
What if I lose the phone with the FCMB Mobile app?
Dial *329*911# from any phone to block your account, then call 0700-329-0000 to deactivate the lost device.
Why is my *329# saying “transaction not allowed”?
You may have hit the daily limit, your card may be expired, or your account may have a name mismatch with the SIM. Visit any FCMB branch with ID to fix the issue.
Can I use *329# on a SIM not registered with my account?
No. The USSD service only works from the phone number on file with FCMB. Update your number at any branch first.
Does FCMB charge a token fee?
The FCMB Mobile soft token is free. Hardware tokens (issued only to corporate customers on request) attract a one-off fee.
How do I open an FCMB account from the app?
Download FCMB Mobile, tap Open an Account, supply your BVN, NIN and a selfie. The Tier 1 account opens instantly with a virtual debit card; visit a branch to upgrade to Tier 3.
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