FCMB Transfer Code | Send Money in Nigeria 2020


Are you searching for how to send money from your account using FCMB transfer code? Here is how to transfer fund to First City Monument Bank Account and from the bank to other commercial bank Accounts in Nigeria.

fcmb transfer code

The bank FCMB has made it easier for its customers to make transaction using their customized USSD mobile banking code. In case you have not heard about it, the USSD mobile banking code is the fastest and easiest medium for fund transfer from FCMB bank to another FCMB bank accounts and to other commercial banks accounts in Nigeria.

Before the invention of the code, FCMB customers only transferred money through their mobile apps or by visiting the nearest FCMB office. It is even more hectic using ATM stands due to the queue at the ATM stand which is not convenient in times of emergency.

But now, with the use of the USSD tool, transactions can be initiated and completed within few seconds with your mobile phone.

Furthermore, you don’t have any restriction, whether your mobile phone device is internet enabled or not. The code works perfectly on all kinds of mobile phone devices.

Before we proceed in explaining the steps required to start using the code, we will guide you on how to activate your mobile phone device to be able to work effectively with the code.


Here are the guidelines needed to register for USSD mobile banking with your bank. Ensure the phone number used is the one connected to your bank account.

  • Pickup your mobile phone device, dial *389*214#
  • There are several options which will be displayed on your screen, choose “activate with account” and continue
  • Provide your correct account number as requested on your mobile phone device screen
  • You will need to call support on 01-2798800 or visit any FCMB nearest to you to generate the PIN you will use to register for the USSD banking. But calling support line be easier for you
  • After collecting the PIN from the bank or through their support line, dial *389*214# again and select security from the options
  • Select change PIN and input the default PIN collected from the bank
  • Now, input your desired new PIN which you will use to authenticate your transaction services

You are now ready for USSD mobile phone banking with FCMB.

FCMB Transfer Code

  • For example, to send #100,000 to the account number of the beneficiary which is 0122334090, dial *329*100000*0122334090#
  • Confirm the account name of the beneficiary and press OK
  • Enter the 4 digit PIN you generated during the USSD banking registration or use the last 4 digit PIN in your debit card
  • Your transaction will be successful immediately you click OK

Transferring Money from FCMB to Other Banks

  • Kindly dial *329*AMOUNT*ACCOUNT NUMBER# to transfer money
  • To send money to another commercial bank, dial the USSD code, the amount, the NUBAN account number on your mobile phone device as given above. Note; NUBAN stands for the account number of the recipient
  • For instance, let’s assume you want to make a transfer of #10,000 to your friend’s account number which is 0038253899, you need to dial *329*10000*0038253899#
  • Select the bank name of the recipient
  • Confirm the account name of the beneficiary with the one which the beneficiary gave you before you send
  • Enter the 4 digit PIN you generated during the USSD banking registration or use the last 4 digit PIN in your master card
  • Your transaction will be successful immediately you click OK

You will get debit SMS notification in your mobile phone device, showing that you have completed the transfer request you initiated.

Why You Should Use it

Here are some of the reasons you should use the service.

  • The code works effectively at any time for 24 hours daily
  • The service works perfectly on any mobile phone device, be it either iOS or Java or Android phones
  • It does not require any internet connection to function
  • It functions with all the network providers available in Nigeria. Example, MTN, GLO, AIRTEL, 9MOBILE
  • It is a faster means of fund transfer
  • The service is exclusively for all the account holders of the bank

There are some other important aspect of the USSD tool you need to learn as you continue reading this content. We want to explain some restrictions associated with the USD code services.

Daily Limit & Charges

When sending money from FCMB to FCMB bank, there is no charge attached to it. But transferring fund from FCMB to other commercial banks, it attracts some little charges which is between 10-50 Naira depending on how much you are sending.

If you want to perform the services with another phone number which is not connected to your account, the transaction will be declined. But if you are using the phone number connected to your account, it will work out smoothly.

The maximum amount of money transferable with the USSD code daily is pegged at #200,000. But if you want your limit to be increased, you can contact customer support and it will be upgraded from #200,000 to #500,000 daily.

Other Uses of FCMB USSD Mobile Banking Code

One thing that is fascinating about the USSD tool is that it can be used to carry out other services apart from fund transfer.

1.) Account Opening: You can create an account with the bank immediately with *329#.

All you need to do is to dial *329# on your mobile phone device, then you will start from providing your first name as requested on your mobile phone screen. Kindly follow the on-screen instructions step by step until you create your account successfully.

2.) Account balance: You can also use the code to check how much money you have in your fcmb account and in few seconds, you will see your account balance without visiting ATM stand or bank office.

To check your account balance with the USSD code, dial *329*00# on your mobile phone device.

3.) Account Number: The code is also one of the ways you can use to check your fcmb bank account number from the comfort of your couch.

Wrapping it Up

Like I said earlier, this article features all you need to know about the FCMB transfer code. Have you been searching for how to make transactions using the code? I hope you find this information useful.


Please enter your comment!
Please enter your name here

13 − twelve =