HomeTechFCMB USSD Code


Are you an account holder of FCMB? Or you’re looking to open an account with them. If that’s the case, you must have heard of the FCMB Bank USSD code. But if you are one of the people that are strangers to this, then you’re missing out on stress-free banking.

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Well, if you have no idea what the FCMB Bank USSD code is or you are probably just trying to reconnect back to it. Don’t stress yourself. We will be giving you information on what you need to know about the FCMB USSD code for banking transactions.

Before we go right into it, let us first take a look at what the FCMB USSD code means and what it does.

SEE: How To Check Account Balance for First Bank Users


The FCMB USSD code is *329#. This is the official banking code for FCMB Bank. You can use this code to perform a number of transactions and tasks without having to go through the stress of being physically present in the bank. However, you must have registered first before you can start using the FCMB USSD code.

FCMB Bank has stuck to its commitment to making life easier for its customers and empowering them.  The USSD code *329# is a fast Banking service created as part of their financial inclusion drive.

The service was created to give power to customers anywhere and at any time, to be able to perform their own transactions. It is fast, handy, and easy to operate, and you can create a beneficiary account immediately once your alert notification comes in.

The FCMB USSD code *329# makes banking transactions available on all mobile networks and on any mobile phone or device. Be it iPhone, Android, or even the relatively small ones that we all know, they’re called “torchlight phones”.

The FCMB USSD code does not need an internet connection for you to be able to use it, and you can use it anywhere in the country as long as you have a working mobile network. This USSD banking service can only be registered with the number linked to your FCMB account.

SEE: Polaris Bank Transfer Code

Requirements for the FCMB USDD Code

Below are the things you need to have for you to activate the FCMB USSD code;

  • Have an FCMB Bank account: You need to have an account with FCMB Bank.
  • Debit card (ATM card): you must have an active debit card linked to your account. It must be for the account in particular.
  • Phone number: You must also have an active phone number linked to your account.
  • Mobile phone (internet access or not).

READ: Access Bank Customer Care: Contact, Number, and Email,

How to Activate FCMB Bank Transfer Code in 2023

To be able to use the FCMB USSD code, the first thing you need to do is to activate it. To register for the FCMB USSD code, go through the steps laid out below:

  • Dial *329*0#
  • Choose Create/Reset code.
  • Choose your ATM Card (for customers with multiple cards)
  • Input your ATM Card PIN.
  • Create a 4-digit Transaction Code, e.g. 6432.
  • Enter your USSD PIN.
  • Transaction code created successfully.

List of FCMB Bank USSD Codes

  • FCMB USSD code to check balance – *329*00#
  • FCMB USSD code to check account number:*329#
  • FCMB USSD code to transfer funds to FCMB Bank– *329*Amount*Account number#
  • FCMB USSD code to transfer funds to other banks – *329*Amount*Account number#
  • FCMB USSD code to purchase airtime for self – *329*Amount#
  • FCMB USSD code to purchase airtime for others – *329*Amount*Phone Number#
  • FCMB USSD code to request a loan – *329#
  • FCMB USSD code for checking BVN – *565*0#
  • Account Opening –*329#
  • Purchase Data –  *329*1*Mobile Number#
  • Pay bills (DSTv/GOTv) – *329*2*Amount*Smartcard Number#
  • Pay Electricity Bill – *329*3*Amount*Meter No# or *329*3*Amount*Account ID#

How to Block FCMB Bank USSD Code

To block your FCMB USSD Code, dial *329*911# from any number, then input the phone number (linked with your bank account) you want to deactivate, and that’s it. To unblock the FCMB USSD code, you will need to visit any FCMB Bank branch near you.

A little About the FCMB Bank

First City Monument Bank (FCMB), a member of FCMB Group Plc, is a financial service holding company with its headquarters in Lagos. FCMB Group Plc has nine holdings divided into three business groups:

Commercial and retail banking, investment banking, and asset and wealth management. As of December 2020, the complete assets of the Group were valued at $5 billion (NGN 2 trillion).

In 2014, FCMB (UK) Limited, a First City Monument Bank Limited branch, was approved to function in the United Kingdom. The Financial Conduct Authority and the Prudential Regulation Authority regulate it.

In November 2017, FCMB Group got FCMB Pensions Limited (previously Legacy Pension Managers Limited). In July 2021, FCMB Pensions Limited got a 60% stake in AIICO Pension Managers Limited.

The unit that the bank was created from, City Securities Limited (CSL), was founded in 1977 by Oloye Subomi Balogun, the Otunba Tunwashe of Ijebu, a Yoruba traditional aristocrat.

First City Merchant Bank was founded in 1982 with seed capital from CSL. It was merged as a private limited liability company on the 20th of April 1982 and given a banking license on 11 August 1983.

It was the first bank to be founded in Nigeria without the support of the government or foreign entities. In 2001, the bank changed its name from First City Merchant Bank to First City Monument Bank Limited due to the altercation of the bank to a universal bank.

A new holding, FCMB Capital Markets Limited, was created to assist its corporate finance activities. On 15 July 2004, FCMB switched its position from a private limited liability company to a public limited liability company. It was listed on the Nigerian Stock Exchange (NSE) by introduction on 21 December 2004.

SEE: Zenith Bank USSD Codes

Why You Should Activate the FCMB transaction code

There are so many benefits to using the USSD Code. For one, it is a very handy way to have access to your bank. You can do everything from checking your account balance to sending money, all without having to leave your house or where you are. In addition, the USSD code is a very safe and secure way to access the bank.

Furthermore, all of your transactions are shielded with a PIN, so you can rest your mind that your money is secure. The FCMB code is a good way to save time. Your days of waiting in line at the bank or dealing with customer service people are over. With the FCMB USSD Code, you can do everything you need to do from the comfort of your own home.

READ: How to Check Glo Account Balance

What is Mobile Banking?

Mobile banking or USSD banking is just a way of getting all your bank transactions done from the comfort of your house using your mobile phone. Mobile banking has been able to ease the burden on customers in Nigeria. With open arms, Nigerian banks have taken it very well. It is quick, adept, and smart.

Mobile banking has been made very simple for customers, bringing all your bank need to one place. Where you can perform transfers, check account balance, and carry out other transactions.

The FCMB Bank transfer code is *329#, and it can be used to perform a number of transactions on your account without you having to experience the stress of going to the bank.

You can recharge your line and recharge for anybody you know, including families. You can send funds from your account to another account by just inputting the command on your phone. You can check your account balance, and so on.

READ: How to Load 9Mobile Recharge Card

FAQs for FCMB Code

How do I check my FCMB balance?

Dial *329*00# to check the balance. Just Dial *329*0# to reset your PIN or reset/create a transaction code. Dial *329*1*Mobile Number# to buy data on any phone.

What is a USSD PIN?

The meaning of USSD PIN is the access PIN set by you during the USSD channel registration process.

How can I unlock the Fcmb USSD code?

If you have not performed any transaction on it for a long time, then you can get it unblocked by dialling the FCMB USSD code *329# and performing a transaction like buying airtime, and your account will be unblocked.

Can I create my own USSD code?

You can’t create a USSD code by yourself. This is because USSD transactions run on infrastructure powered by MNOs

Can I activate mobile banking without an ATM?

You can activate your net banking account by entering your debit card details without visiting a bank branch. But users who don’t have debit cards or ATM card details have to visit their bank branch to complete registration for internet banking.