FCMB USSD Code 2023 [Balance, Airtime, Transfer & Activation]

Are you searching for the FCMB USSD code for transfer, checking balance, buying airtime and data, etc? Undoubtedly, it is a must to know some essential USSD codes when it comes to banking with the FCMB whether as a new or old customer.

Usually, many new customers and even old ones that are not use to the FCMB mobile banking often ask questions like; What is FCMB USSD code for transfer, what code can I use to buy airtime from FCMB, what is the FCMB USSD code for checking balance, and so on.

If you’re among those seeking answers to any of those questions or other related FCMB bank USSD banking queries, then keep reading for I will not only show the FCMB USSD code, but you’ll also discover how to register it, how to activate it and how to use the USSD code for FCMB to carry out any transactions on your account.

Without further ado, let’s get started!


About FCMB USSD Code

The FCMB USSD code is a short code and/or set of short codes uniquely designed by The FCMB bank to make banking easy and accessible for its customers.

With the USSD code for FCMB, almost all financial transactions on your account can be carried out right from your mobile phone without the need to visit a physical FCMB branch.

While the FCMB bank USSD code is unique for its customers, other banks too have their own USSD code. Why this? It is simply because it doesn’t only favours customers, but also the bank as customers from remote locations too can bank with various banks using the USSD code.

The reason why customers love the FCMB mobile banking and USSD codes is that you can perform almost any and every banking transaction with the FCMB USSD code. That leads us to the features of FCMB mobile banking.

Check Out The Gtb USSD Code

Features of FCMB USSD Code

The following are what the FCMB USSD code can help you with.

  • Account opening
  • Money transfer to other FCMB accounts and other banks
  • Airtime and data purchase
  • Checking account balance
  • Requesting account statement
  • Bill payments
  • Blocking ATM cards
  • Betting account funding, and lots more (keep reading to discover them and their codes).

Related: How to Activate Access Bank USSD Code

FCMB USSD Code Requirements

While using the FCMB bank USSD code is great, there are some requirements you need to meet in order to enjoy the FCMB mobile banking.

  • You must be an FCMB account holder
  • A mobile device on which the code will be entered is required.

Once all those requirements are met, you can now use the USSD code for FCMB.

Read Also: How to Activate Union Bank USSD Code

Benefits of FCMB USSD Code

The FCMB USSD code and mobile banking won’t be created in the first place if it has no benefits. Here is why the FCMB USSD code is the best banking solution for customers.

  • Fast and easy transactions
  • It features almost all kinds of financial transactions.
  • It Saves customers from the stress of going to banks for simple transactions such as transfers, and bill payment.
  • Works on all types of mobile phones.
  • You don’t need an internet connection to carry out transactions.

Although that’s not all, let’s see the USSD code for FCMB, and how to activate and use it.

Related: List of All Zenith Bank USSD Codes


*329# is the FCMB USSD code.

This code can be used to carry out various banking transactions including transfers, withdrawals, airtime, data purchase, checking account balance, opening an account, blocking of ATM card, and so on, on your FCMB bank account right from your phone.

Once the code is dialed, a pop up containing all the listed features and others will appear on your mobile device’s screen which you can then follow the prompts to use any of them.

To save time and make transactions even easier using the FCMB mobile banking feature, the bank has made available, some simple short codes for specific transactions.

The following is a table that contains all the FCMB short codes for all transactions.

Check Out The First Bank USSD Code

List of FCMB USSD Code

TransactionsUSSD Codes
Check Balance*329*00#
Transfer to FCMB/Other Banks*329*Amount*Account number#
Airtime Top Up for Self*329*Amount#
Airtime Top Up for Others*329*Amount*Phone number#
Data Purchase*329*1*Phone Number#
Open Account*329#
Pay Cable Bill329*2*Amount*Smartcard Number#
Pay Electricity Bill329*3*Amount*AccountID#
Retrieve BVN*565*0#
Account Statement*329# > Statement
Hotlist ATM Card*329# > Self Service
Deactivate USSD Code*329*911#

How to Activate FCMB USSD Code

While all the codes above are for specific FCMB transactions, in order to use them, you’ll need to activate the *329# general FCMB USSD code first.

Here is a step-by-step guide on how to activate the USSD code for FCMB.

  • Simply dial *329# using the phone number/sim linked to your bank account
  • Follow the screen instructions
  • Enter your Debit or ATM card’s last digits
  • Create 4 digits secret Pin

That’s it, you’ve successfully registered for the *329# FCMB mobile banking.

Although that’s not all, if you would love to use the *329# to perform bigger transactions like transferring up to ₦500,0000 at once, you’ll need a transaction code which can be created following the steps below.

  • Simply dial *329*0# 
  • Select Create/Reset code 
  • Select your ATM Card (for customers with multiple cards) 
  • Enter your ATM Card PIN 
  • Create a 4-digit Transaction Code
  • Enter your USSD PIN

Once you’ve registered and activated the FCMB code, you can now perform any transactions using the general code, as well as the short codes.

Related: How to Activate UBA USSD Code

FCMB USSD Transfer Code

The FCMB USSD code to transfer money from FCMB to FCMB and from FCMB to other banks is*329*Amount*Account number#.

e.g if you want to send N10,000 to 1234567890 simply dial *329*10000*1234567890#, select the bank, then enter your 4-digits PIN.


FCMB USSD Code for Checking Balance

You can check your FCMB account balance by simply dialing *329*00#, then entering your PIN, and a pop up containing the money you have left in your account will show up on your screen.

FCMB USSD Code for Buying Airtime

The FCMB USSD code to buy airtime for yourself (SIM linked with your FCMB account) is *329*Amount#. To buy airtime for other numbers/sims, dial *329*Amount*Phone Number#.

E.g if you want to recharge 100 Naira for yourself, simply dial *329*100#, and your line will be credited with a ₦100 recharge card. If you want to recharge another line 09100000000 (your other lines or for friends and/or family) with ₦200, just dial, *329*200*09100000000#, then enter your PIN to authorize the transaction.

FCMB USSD Code for Buying Data

The FCMB USSD code to buy data for any number (for self or others) is *329*1*Mobile Number#, then follow the prompts and enter your pin to get the data bundle. E.g *329*1*09100000000#

FCMB code

FCMB USSD Code for Opening an Account

The USSD code for FCMB account opening is *329#, accept the mobile banking terms and continue to follow the prompts to create an account with FCMB.

FCMB USSD Code for Bill Payments

The FCMB code to pay bills is *329*2*Amount*Smartcard Number# to pay for DSTv or GOTv subscription, and dial *329*3*Amount*Meter No# or *329*3*Amount*AccountID# to make your electricity bill payments.

FCMB USSD Code to Get Account Statement

The FCMB USSD code to get a statement of account is *329#, select statement, select full statement, then select duration (up to 6 months). Your statement will be sent to your registered email address instantly.


To retrieve your FCMB code using the USSD code on FCMB, simply dial *565*0#.

FCMB USSD Code Not Working? Here’s How to Fix it

If you’re an FCMB account holder and have been dialing the *329# FCMB bank USSD code, but not working, the following may be the cause. Also how to fix the issue.

  • Bad Network Connection: when there is no or bad network coverage either from your end (mobile network providers) or from the bank’s network, you may get an error message after dialing the FCMB USSD to perform any transactions. To fix this, you’ll need to wait for some time and try again.
  • You’re Not Yet Registered or Haven’t Activated the USSD Code: If you haven’t registered and activated the FCMB USSD code with the phone number you registered your account with, the FCMB code may not work. To fix this, make sure you activate the FCMB USSD code on your line.
  • You’re Dialing the USSD code on an unlinked/wrong phone number: If the SIM you registered your account number with is not used to dial the code, it may not work. To fix this, make sure you’re using the correct line.

How to Deactivate FCMB USSD Code

In cases where you misplaced your phone that has the SIM and number linked with your FCMB Bank account and USSD code, you would want to describe your USSD code in order to avoid money theft by the person who found or stole the phone.

Sometimes, you may not be interested in using the FCMB USSD code for some reason. Either way below is how to deactivate your FCMB USSD code.

  • Look for any other phone and dial *329*911# to deactivate and disconnect your mobile number from your FCMB USSD mobile banking.
FCMB USSD code for blocking

This code can be dialed on any other phone and it will work as long as you know your phone number off hand as well as your mobile banking PIN.

NOTE: In case you found the phone after deactivating the USSD bank or you got another line, you’ll need to visit an FCMB branch to reactivate the FCMB USSD magic banking feature.

USSD Code for FCMB – FAQs

How can I get USSD code for FCMB?

The USSD code for FCMB mobile banking is *329#.

How do I set up FCMB mobile banking?

You can at up your FCMB USSD mobile banking by simply dialing *329# or *329*0# using the phone number/sim registered with your FCMB account, select your preferred debit card, and follow the prompts.

How can I activate FCMB mobile banking without an ATM?

FCMB doesn’t allow customers to activate *329# mobile banking without an ATM card.


Thanks to the FCMB 329 service, customers from all parts of the country can now access easy mobile banking without having to visit a First City Monument Bank (FCMB) branch.

With this comprehensive post about the USSD code for FCMB, I believe you’ve known how to activate the FCMB USSD code, and how to use it for various transactions.

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