Founded in 1982, First City Monument Bank (FCMB) is a leading financial institution in Nigeria that offers a range of banking services, including seamless money transfer options. Whether you need to transfer funds within FCMB accounts, to other banks locally, FCMB provides convenient and secure transfer solutions to meet your needs.
In this guide, we will explore the different methods available for transferring money through FCMB, from setting up your account for transfers to understanding fees and limits, ensuring you can make transactions efficiently and safely
Pay Attention: How to register for FCMB internet banking and mobile app
Benefits of FCMB Money Transfer
- Transfer money anytime, anywhere, through various channels.
- Enjoy fast and often instant transfers, especially within FCMB.
- Multi-factor authentication, encryption, and other security measures to protect your transactions.
- Choose from various transfer options based on your needs and preferences.
- Transfer money domestically and internationally.
- The mobile app and internet banking platforms have intuitive interfaces for easy navigation.
- Competitive transfer fees, especially for transfers within FCMB.
Features
- Instant and often free transfers between FCMB accounts.
- Transfers to other banks within Nigeria
- Cheque book request
- Access to internet banking
- Zero minimum operating balance
- Confirmation of cheques
- Free monthly electronic statements
- Debit card
- Access to loan facility
What is the ussd Code for FCMB?
The USSD code for FCMB is *329#
You can use this code to access a wide range of banking services directly from your mobile phone without needing an internet connection. Some of the services you can access include:
- Account balance inquiry
- Funds transfer
- Airtime purchase
- Bill payments
- Cardless withdrawals
- And more
To get started, simply dial *329# from your phone and follow the prompts. If you are a new user, you will need to register first using your FCMB account number and debit card details.
Read: How to register and activate First City Monument Bank (FCMB) ussd
How to register for fcmb ussd
To register for FCMB USSD banking (*329#
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Open your phone’s dialer and dial *329*0#.
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Select the option to create or reset your PIN.
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If you have multiple cards, select the one you want to use.
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Enter the PIN associated with your selected ATM card.
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Create a new 4-digit Transaction PIN.
How to transfer money from fcmb
Mobile Banking
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Download and install the FCMB Mobile App from the App Store (for iOS devices) or Google Play Store (for Android devices).
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Register and log in to the app with your account details.
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Select the “Transfers” option.
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Choose the transfer type (e.g., to another FCMB account, to other banks, or to a mobile number).
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Enter the recipient’s account details and amount.
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Confirm the transaction.
USSD Code
- Dial *329*Amount*Account number# to transfer funds
- Follow the prompts to select the transfer option.
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Enter the recipient’s account details and amount.
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Confirm the transaction.
Internet Banking
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Log in to your FCMB Online Banking account.
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Click on the “Transfers” tab.
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Select the transfer type.
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Enter the recipient’s account details and amount.
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Confirm the transaction.
Bank Branch
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Visit any FCMB branch near you.
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Fill out a transfer form with the recipient’s account details and amount.
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Submit the form to the bank staff.
ATM
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Insert your FCMB debit card into an ATM.
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Select the “Transfers” option.
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Choose the transfer type.
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Enter the recipient’s account details and amount.
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Confirm the transaction.
How can I block my FCMB USSD code?
Method 1: USSD Code
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Dial *329*911# on your mobile phone.
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Select the blocking option:
- Select “1” to block your USSD Account (the *329# access itself).
- Select “2” to block your bank account linked to the USSD profile.
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Enter the required details:
- If you chose to block the USSD Account, enter your mobile number linked to the USSD profile.
- If you chose to block your Bank Account, enter your 10-digit account number.
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Confirm and enter PIN:
- Confirm that you want to block the selected account/profile.
- Enter your 4-digit USSD PIN to complete the process.
Method 2: Mobile Banking App
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Log in to your FCMB Mobile Banking App.
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Tap on the menu icon (three horizontal lines).
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Select “Settings” or “More”.
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Choose “USSD Settings” or “Security”.
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Toggle off the USSD service or select “Deactivate USSD”.
Method 3: Contact FCMB Customer Support
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Call FCMB customer support on 012718700 or 08032203500.
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Inform them that you want to block your USSD code.
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Provide your account details for verification.
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Follow their instructions to complete the blocking process.
How to buy airtime from fcmb
FCMB offers a couple of convenient ways to buy airtime:
*1. Using the USSD Code (329#):
This method is the quickest and easiest, especially if you don’t have internet access.
- For self-recharge: Dial *329*Amount# (e.g., *329*500#)
- To recharge another number: Dial *329*Amount*Phone Number# (e.g., *329*500*08012345678#)
2. FCMB Mobile App
- Open the FCMB Mobile app and log in with your credentials
- Look for the “Airtime” or “Buy Airtime” section, usually on the home screen or under “Payments” or “Services.”
- Choose the network provider (MTN, Airtel, Glo, 9mobile), enter the phone number, and select the amount.
- Review the details and confirm the purchase.
3. FCMB Online Banking
- Access FCMB’s online banking platform using your login credentials.
- Look for the “Airtime Purchase” or “Buy Airtime” option.
- Choose the network provider, enter the phone number, and select the airtime amount.
- Review the details and authorize the transaction
Can I transfer money from my FCMB account to accounts when i am abroad ?
Yes, you can transfer money from your FCMB account to accounts in other countries even when you’re abroad. FCMB provides a couple of convenient options to facilitate international money transfers:
1. Online Banking/Mobile App:
- Access your FCMB Online Banking account through the website or use the FCMB Mobile App.
- Look for the “Transfers” or “Send Money” section.
- Select the option for international transfers or remittances.
- Enter the recipient’s bank details, including their IBAN or account number, SWIFT code, and bank address.
- Input the transfer amount, currency, and any other required information.
- Review the details carefully, ensure you understand any applicable fees, and confirm the transfer.
2. Third-Party Money Transfer Services:
- TransferTo (Thunes): FCMB partners with TransferTo, allowing you to send money to over 50 countries directly from your FCMB account. You can access this service through the FCMB Mobile App or website.
- WorldRemit: Another partner service that allows you to send money online to FCMB accounts from over 150 countries.
Read: How to check First City Monument Bank (FCMB) account balance
List of all the FCMB USSD codes
FCMB (First City Monument Bank) offers a range of USSD services from the root code *329#. These codes are designed to make banking convenient and accessible from your mobile phone, even without internet access. Here’s a list of commonly used FCMB USSD codes:
General Banking:
- Check Account Balance:
*329*00# - Transfer Funds (FCMB to FCMB):
*329*Amount*Account Number# - Transfer Funds (FCMB to other banks):
*329*Amount*Account Number#(Follow prompts to select the receiving bank) - Reset PIN/Create Transaction Code:
*329*0# - Open Account:
*329#, then select “Open Account” - Link BVN:
*329#, then select “Self Service” > “Link BVN”
Airtime & Data:
- Airtime Top-up (Self):
*329*Amount# - Airtime Top-up (Others):
*329*Amount*Mobile Number# - Buy Data (Any Phone):
*329*1*Mobile Number#
Bill Payments:
- Bill Payments:
*329*Amount*Merchant Code#(Merchant codes can be found on the FCMB website or by dialing *329#)
Card & Account Management:
- Block Debit Card:
*329*911#, then select “Self Service” > “Card Management” > “Block Card” - Block Account:
*329*911#, then select “Self Service” > “Block Account”
Frequestly ask questions
1. What are the different ways to transfer money with FCMB?
FCMB provides several options for convenient money transfers:
- FCMB Mobile App
- FCMB Online Banking
- USSD Codes (*329# )
- ATM Transfers
- In-Branch Transfers
2. Can I transfer money to other banks in Nigeria from FCMB?
Yes, you can transfer money to other banks in Nigeria using the NIP (Nigeria Inter-Bank Settlement System) transfer option available on the FCMB Mobile App, Online Banking, and the *329# USSD code.
4. How long does it take for a transfer to reflect in the recipient’s account?
- Transfers within FCMB are usually instant.
- Transfers to other banks (NIP transfers) typically take a few minutes to a few hours.
5. Are there any fees or charges for FCMB money transfers?
Yes, fees may apply depending on the transfer type, amount, and destination.
- Transfers within FCMB accounts are often free or have minimal charges.
- Transfers to other banks (NIP) and international transfers usually costs N100 only.
6. Can I schedule future or recurring transfers with FCMB?
Yes, you can schedule future-dated or recurring transfers through the FCMB Mobile App and Online Banking.
7. How can I track the status of my transfer?
You can track the status of your transfer through the transaction history on the FCMB Mobile App or Online Banking. You might also receive SMS or email notifications.
8. What should I do if my transfer is delayed or unsuccessful?
Contact FCMB customer care immediately, providing transaction details for assistance.
9. Can I cancel a transfer after it has been initiated?
It depends on the transfer type and its status. Some transfers may not be cancellable once initiated. Contact FCMB customer care for assistance if you need to cancel a transfer.
10. Is it safe to transfer money using FCMB’s digital platforms?
Yes, FCMB employs robust security measures. However, it’s important to practice good security habits, such as using strong passwords and avoiding public Wi-Fi.
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