How To Use FCMB USSD Code 2025/2026 -

The First City Monument Bank (FCMB) has made banking easier and faster for everyone in Nigeria through its USSD code service. With this service, you can transfer money, buy airtime, check your account balance, and even apply for loans — all from your mobile phone without needing an internet connection.

Whether you’re in a busy market, on a long trip, or in a place without data, the FCMB USSD code gives you full control of your bank account anytime, anywhere.

In this article, we’ll walk you through everything you need to know about the FCMB USSD code — how to activate it, how to use it for transfers, airtime, checking balance, loans, and more.

Also Read: How To Activate First Bank USSD Code [ Full Guide 2025/2026]

What Is The New USSD Code For FCMB

The new USSD code for FCMB is *329#.This short code works on all mobile networks in Nigeria — MTN, Glo, Airtel, and 9mobile.

Once you dial *329# on your phone, you can access all the FCMB mobile banking services instantly. Here’s what you can do with *329#:

Transfer money to FCMB or other banks
Buy airtime for yourself or others
Check your account balance
Pay bills (electricity, cable TV, etc.)Open an account instantly
Request a loan

Note: You must dial *329# from the phone number linked to your FCMB account for it to work.

How Can I Activate FCMB Mobile Transfer

To use FCMB’s USSD code for transfers, you must first activate it. Activation only takes a few minutes and requires your FCMB account number and ATM card details. Here’s how to activate your FCMB mobile transfer:

*Dial 329# on your registered phone number.
Select “Transfer” or “Activate” from the menu.
Follow the prompts to enter your account number.
Create a 4-digit PIN (this PIN will be used for all future transactions).
Confirm your PIN.
Once activation is successful, you can start using *329# to send money, buy airtime, and perform other transactions directly from your phone.

Note: Always keep your 4-digit PIN private to protect your account from unauthorized access.

Also Read: ATM Moniepoint: A Complete Guide For Everyday Banking

How To Set Up Access To FCMB USSD Code

Setting up access to the FCMB USSD code is easy and requires no internet or smartphone. Here’s how to set it up:

Step-by-Step Setup:

Insert your SIM card (linked to your FCMB account) into your phone.
Dial *329#.
Select the option to activate or register.
Provide your account number when prompted.
Set up a 4-digit transaction PIN for security.
You’ll receive a confirmation message once activation is complete.
That’s all! You can now start banking from anywhere using your FCMB USSD code.

What Is FCMB Quick Code

The FCMB Quick Code is simply another name for the FCMB USSD code *329#. It is called “Quick Code” because it provides fast access to all your banking needs within seconds. You can think of it as a shortcut to mobile banking — no app, no data, no stress.

Main Services You Can Access with the FCMB Quick Code:

Transaction Type FCMB Quick Code
Check Balance 32900#
Transfer to FCMB Account 329Amount*Account Number#
Transfer to Other Banks 329Amount*Account Number#
Airtime for Self 329 Amount#
Airtime for Others 329Amount*Recipient’s Number#
Data Purchase 3291*Mobile Number#
Account Opening 3290#
Loan Request 32911#
Pay Bills 3292*Biller Code#
The FCMB quick code works on all types of mobile phones, including small button phones.

How To Reset FCMB USSD Code PIN

If you forgot your FCMB USSD PIN or suspect someone knows it, you can reset it easily.Follow these simple steps:

Dial *329# on your registered phone number.
Select “Security” or “Reset PIN” from the menu.
Follow the on-screen prompts to enter your ATM card details or verify your account.
Create a new 4-digit PIN.
Confirm your new PIN.After resetting, you can immediately continue using *329# for your banking transactions.

Note: Avoid using common PINs like “1234” or “0000.” Use something unique but easy for you to remember.

FCMB Code To Check Account Balance

If you ever want to know how much is in your account, FCMB makes it super easy.

To check your FCMB account balance, simply dial: *329*00#You’ll instantly receive an SMS showing your account balance.
Example: If your phone number is linked to multiple FCMB accounts, you’ll be asked to select which account’s balance you want to check.

Note: Always ensure you have enough airtime (usually ₦2–₦5) to receive your balance alert.

FCMB USSD Code For Airtime Recharge

Running out of airtime while chatting or browsing? No problem — you can buy airtime directly from your FCMB account. Here’s how:

For Self Recharge: Dial *329*Amount#
Example: To recharge ₦500 on your number, dial *329*500#
For Others: Dial *329AmountPhone Number#
Example: To recharge ₦500 for a friend’s number (e.g., 08031234567), dial *32950008031234567#
You’ll get a confirmation message once the recharge is successful.

Note: The maximum airtime purchase per day may vary depending on your account type.

FCMB USSD For Loan

Need a quick loan? FCMB makes it possible to apply and receive instant cash using your USSD code — no paperwork required. Here’s how to get started:

Dial *329*11#2.
Select “Loan Services”
Follow the instructions to view available loan offers.4. Accept the loan terms.
Receive funds directly into your FCMB account.
Loans are usually available to customers who have maintained a steady account balance or salary history with FCMB.

Important: Always repay your loan on time to maintain a good credit record and be eligible for future loans.

Conclusion

The FCMB USSD code *329# is one of the simplest and most convenient ways to manage your money without an internet connection. From checking balances to sending money, buying airtime, paying bills, and even requesting loans — all it takes is a few clicks on your phone.With this guide, you now know:

The official FCMB USSD code
How to activate and use it
How to reset your PIN
The codes for airtime, balance, and transfers

Start using *329# today and enjoy seamless banking wherever you are — fast, secure, and reliable.

Frequent Asked Questions – FAQs

What Code Can I Use To Check My FCMB Account?

To check your FCMB account balance, dial *329*00# from the phone number linked to your FCMB account.

Why Is My Phone USSD Code Not Working

Your FCMB USSD code may not work due to:

Wrong or unregistered phone number
Poor network connection
Account not linked to your mobile number
Temporary system downtime
To fix this, make sure your phone number is registered with FCMB and try again later if the issue persists.

What Is The New FCMB Transfer Code?

The new FCMB transfer code is *329AmountAccount Number#.You can use it to transfer money to FCMB or other Nigerian banks.

Can I Use FCMB USSD Without An ATM Card?

Yes, you can activate FCMB USSD without an ATM card if your phone number is already linked to your account. However, having a card may make the setup faster.

How Can I Buy Airtime With FCMB USSD?

To buy airtime for yourself, dial *329*Amount#.To buy for others, dial *329AmountPhone Number#.

How Can I Reset My FCMB USSD PIN

To reset your FCMB PIN, dial *329#, choose “Security”, then select “Reset PIN”, and follow the instructions.

Does FCMB USSD Work On All Networks

Yes, the FCMB USSD code works perfectly on MTN, Glo, Airtel, and 9mobile.

Is FCMB USSD Service Free?

FCMB USSD is free to activate, but each transaction may attract a small service charge (usually ₦6.98 per transaction).

Can I Open An FCMB Account With USSD

Yes! Dial *329*0# and follow the steps to open an account instantly using your phone — no form or internet required.

For more information on FCMB USSD code visit this blog post, https://www.fcmb.com/ussd

How To Use FCMB USSD Code 2025/2026