FCMB USSD Code 2023 | Balance, Airtime, Transfer, Activation

Access the FCMB USSD Code to check your account balance, buy airtime, transfer funds, and activate mobile banking. Learn how to use FCMB *329# for convenient banking.

Are you looking for the FCMB USSD code to transfer money, check balance, buy airtime, and do other transactions?

It’s important to know these codes if you’re an FCMB customer. Many customers, new and old, ask questions like “What’s the FCMB USSD for transfers?” or “How do I buy airtime from FCMB?”

I’ll show you the FCMB code, how to register, activate, and use it for transactions. Let’s get started!

Page Contents

The FCMB USSD & Mobile Banking

The FCMB USSD code is a special code provided by FCMB bank to make banking easy and convenient for its customers.

With this code, you can perform various financial transactions using your mobile phone, without needing to go to a physical bank branch.

Not only FCMB, but other banks also have their own USSD codes. This is because USSD codes are not only beneficial for customers but also for the banks, as it allows customers from remote locations to access banking services.

Customers love FCMB mobile banking and USSD codes because they can use it for almost any type of banking transaction. This brings us to the features of FCMB mobile banking.

Use of FCMB USSD Code

The FCMB USSD code can help you with many things, such as opening an account, transferring money to other FCMB accounts or other banks, buying airtime and data, checking your account balance, requesting an account statement, making bill payments, blocking ATM cards, funding betting accounts, and much more.

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Keep reading to discover these features and their respective USSD codes.

What Is Require To Use FCMB USSD?

Before you can enjoy using the FCMB bank USSD code for mobile banking, there are a few requirements you need to meet.

  1. These include being an FCMB account holder
  2. and having a mobile device where you can enter the USSD code.

Once you fulfill these requirements, you can start using the FCMB USSD code for your banking transactions.

Benefits of FCMB Mobile USSD

The FCMB USSD code and mobile banking exist because they offer benefits to customers. Here’s why the FCMB USSD code is the best banking solution:

Fast and easy transactions: You can perform various financial transactions quickly and easily using the USSD code.

Wide range of transaction options: The FCMB USSD code supports almost all kinds of financial transactions, making it versatile.

Saves customers time and effort: You don’t need to go to a physical bank for simple transactions like transfers and bill payments, reducing the stress and hassle.

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Compatible with all types of mobile phones: The FCMB USSD code works on all kinds of mobile phones, making it accessible to a wide range of customers.

No need for Internet connection: You can carry out transactions using the USSD code without needing an Internet connection, making it convenient even in areas with poor network coverage.

These are just some of the benefits of using the FCMB USSD code. Now let’s take a look at how to activate and use it.


  • The FCMB USSD code is *329#.

You can use this code to perform various banking transactions like transfers, withdrawals, airtime and data purchase, checking account balance, opening an account, blocking an ATM card, and more, right from your phone.

When you dial the code, a pop-up with all the listed features and others will appear on your mobile device’s screen. You can follow the prompts to use any of them.

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To make transactions even faster and easier with FCMB mobile banking, the bank has provided simple shortcodes for specific transactions. Here is a table that contains all the FCMB shortcodes for different transactions.

List of FCMB USSD Shortcodes

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

How to Register/Activate FCMB USSD

To register or activate the FCMB USSD code:

  1. Dial *329# using the phone number linked to your FCMB account.
  2. Follow the on-screen instructions.
  3. Enter your card’s last digits and create a 4-digit PIN.

For bigger transactions, dial *329*0# and follow the prompts to create a Transaction Code.

But wait, there’s more! If you want to perform bigger transactions, such as transferring up to ₦500,000 at once, you’ll need a transaction code.

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Here’s how you can create one:

  1. Dial *329*0#.
  2. Select “Create/Reset code”.
  3. Select your ATM Card if you have multiple cards.
  4. Enter your ATM Card PIN.
  5. Create a 4-digit Transaction Code.
  6. Enter your USSD PIN.

Once activated, you can use the FCMB code for various transactions.

Watch this video for a visual guide:

FCMB USSD Transfer Code

  • You can transfer money from your FCMB account to another FCMB account or to accounts in other banks by dialing *329*Amount*Account number# on your mobile phone.

For example, to send N5,000 to account number 0011001122, dial *329*5000*0011001122#, select the bank, and enter your 4-digit PIN.

USSD Code for Checking Balance

To check your FCMB account balance, simply dial *329*00# on your mobile phone, enter your PIN, and a pop-up will show the remaining balance in your account.

FCMB Code for Buying Airtime

To buy airtime for your own FCMB-linked SIM, dial *329*Amount# on your mobile phone. To buy airtime for other numbers/SIMs, dial *329*Amount*Phone Number# and enter your PIN to authorize the transaction.

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For example, to recharge N500 for yourself, dial *329*500#, and for recharging another number 07012345678 with N500, dial *329*500*07012345678#.

USSD Code for Buying Data

To buy data for any number (for yourself or others), dial *329*1*Mobile Number# on your mobile phone, follow the prompts, and enter your PIN to complete the purchase. For example, dial *329*1*07012345678#.

FCMB Code for Opening an Account

To open an FCMB account, dial *329# on your mobile phone, accept the mobile banking terms, and follow the prompts to create an account.

FCMB USSD Code for Bill Payments

To pay bills, such as DSTv or GOTv subscription, dial *329*2*Amount*Smartcard Number# on your mobile phone. To make electricity bill payments, dial *329*3*Amount*Meter No# or *329*3*AmountAccountID# and enter your PIN to authorize the payment.

USSD Code to Get Account Statement

To get a statement of account, dial *329# on your mobile phone, select statement, select full statement, and choose the duration (up to 6 months). Your statement will be sent to your registered email address instantly.

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To retrieve your FCMB BVN (Bank Verification Number), dial *565*0# on your mobile phone.

FCMB USSD Code Not Working? Here’s The Solution

If the FCMB USSD code is not working, it may be due to bad network connection, not being registered or activated, or dialing from an unlinked/wrong phone number.

To fix these issues, wait for some time and try again, make sure you have registered and activated the USSD code with your registered phone number, and ensure you are using the correct phone number.

If you need to deactivate the USSD code, dial *329*911# on any phone and visit an FCMB branch to reactivate it if needed.

Frequently Asked Questions

How do I get the USSD code for FCMB?

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

How do I set up FCMB mobile banking?

To set up FCMB mobile banking, dial *329# or *329*0# using the phone number/sim registered with your FCMB account, select your preferred debit card, and follow the prompts.

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Can I activate FCMB mobile banking without an ATM?

No, FCMB requires an ATM card to activate *329# mobile banking.


FCMB *329# service allows customers all over Nigeria to access easy mobile banking without visiting an FCMB branch.

With this information, you now know how to activate the FCMB USSD code and use it for various transactions.

Last Updated on November 12, 2023 by NetworkPalava Admin

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