What is FCMB Transfer Code
The FCMB transfer code, *329#, provides a robust and convenient banking solution directly from your mobile phone in Nigeria. This USSD code caters to all FCMB customers, especially those seeking quick, secure, and easy access to banking services without needing internet connectivity. Over time, the service has expanded to include a wide range of functionalities, meeting the diverse financial needs of its users.
Advantages of Using FCMB Transfer Code
Activating and using the FCMB transfer code offers several benefits:
- Instant Money Transfers: Easily send money to anyone across Nigerian banks from your phone.
- Account Balance Checks: Quickly check your FCMB account balances anytime, without the need to visit a bank.
- Bill Payments: Conveniently pay utility bills, subscription services, and more without delay.
- Airtime Purchase: Recharge your own phone and others’ quickly and effortlessl
Activation Requirements: Getting Started
To embark on your journey of convenient USSD banking with FCMB in Nigeria, you need to ensure that you have:
- An Active FCMB Account: Your journey begins with an active account at FCMB. Whether it’s a savings, current, or any other type of account, having one sets the foundation for your USSD banking experience.
- A Registered Mobile Number: It’s crucial this number is up-to-date and registered with the bank to ensure seamless communication and security.
- A USSD-Compatible Mobile Device: Virtually any mobile phone can handle USSD requests, so you don’t need the latest smartphone to use this service.
Registration Process: A Step-by-Step Guide
To register for the FCMB transfer code, follow these detailed steps:
Step 1: Initiate Registration with *329#
Dial *329#: Use your mobile phone linked to your FCMB account and dial *329# to start.
Step 2: Navigate the Menu Options
Select Registration: After dialing, a menu appears. Choose the registration option to proceed with activating your USSD banking.
Step 3: Complete the Prompts
Enter Account Details: Follow the prompts to input your specific account details, ensuring a personalised and secure setup.
Create a Secure PIN: Set up a secure transaction PIN during this process. This PIN will authenticate your future transactions and enhance security.
Step 4: Confirmation of Successful Registration
Receive Confirmation Message: After completing the registration steps, FCMB will send a confirmation message. This confirms your readiness to use the full suite of USSD banking services.
Tips for a Smooth Registration Experience
- Ensure Mobile Number is Linked: It’s important to use the mobile number that’s already registered with your FCMB account. This is essential as the USSD service can only be activated using the number linked to your account.
- Keep Account Details Handy: Having your account details readily available will speed up the process and make it more efficient. This helps in smoothly completing the registration without needing to look up information midway through the process.
- Choose a Memorable PIN: When creating your transaction PIN, select one that is both secure and easy to remember. This ensures safety while keeping the banking process convenient for you
Advanced Services: Blocking, Loans, and Without ATM
Blocking and Unblocking
Dial 329911#: Directly block or unblock your FCMB USSD service with this code, accessible from any phone, registered or not. For unblocking, you may need to visit a branch or contact customer service.
Loan Services
FastCash Loans: Access up to NGN 200,000 via the USSD code 32911# with FCMB’s FastCash. This loan requires no collateral or extensive paperwork, ideal for urgent financial needs.
USSD Registration Without an ATM Card
ATM Card Requirement: Registering for FCMB’s USSD service typically requires an ATM card PIN to set up or reset your USSD PIN, ensuring secure access for account holders only.
Security Measures
4-Digit PIN: FCMB’s USSD services use a 4-digit PIN for transaction authorisation, providing robust security. Keep this PIN confidential to prevent unauthorised access.
All FCMB USSD Codes
| Function | USSD Code |
|---|---|
| Account Opening | *329# |
| Balance Enquiry | 32900# |
| Fund Transfer to FCMB | 329Amount*Account Number# |
| Fund Transfer to Other Banks | 329Amount*Account Number# |
| Airtime Purchase for Self | 329Amount# |
| Airtime Purchase for Others | 329Amount*Phone Number# |
| Data Purchase | 3291*Mobile Number# |
| Bill Payments (Generic) | 329Amount*Billers Code# |
| Cardless Withdrawal | 329Amount*Code# (Specific steps may vary) |
| Block ATM Card | *329#, select self-service, choose block card |
| Loan Services | Via Menu *329# |
| Account Upgrade | Via Menu *329# |
| Email Update | Via Menu *329# |
| PIN Change | 3290# |
| Cheque Book Request | Via Menu *329# |
| Statement Generation (Full) | *329#, select statement, then full statement |
| BVN Linking | *329#, select self-service, select link BVN |
| Mini Statement | *329#, select statement then mini statement |
| Merchant Payment | 32922Merchant CodeAmount# |
| Foreign Currency Transfer | 3295*Amount# |
| Block USSD Profile | 329911# |
Quick FAQ
What are the charges for transferring money to other banks with FCMB?
The fees for transferring money depend on the transaction amount: up to N5,000 incurs a fee of N10.75, between N5,001 and N50,000 is charged at N26.88, and transactions above N50,000 cost N53.75.
Can I purchase airtime or data with FCMB on MTN and Airtel?
Yes, you can buy airtime by dialing 329Amount# for self-recharge or 329AmountPhone Number# for others. For data purchases, dial 3291Mobile Number#.
What should I do if I forget my FCMB USSD PIN or need to reset it?
If you need to change or reset your FCMB USSD PIN, dial 3290#, select the PIN change/reset option, and follow the on-screen instructions.
Is there a daily transaction limit for using the FCMB USSD service?
Yes, the default daily transaction limit is N200,000, which can be increased upon request through customer service or by visiting a branch.
What happens if I need a loan quickly?
FCMB offers a Quick Loan service where business owners can access up to N50 million without collateral, with a flexible repayment schedule up to 180 days. Customers can apply through FCMB internet banking, mobile banking, or by visiting an FCMB branch.
Conclusion
FCMB’s *329# service simplifies banking with a secure, mobile-based system that’s easy to activate and use. It requires only a linked mobile number and an FCMB account, and does not depend on having an ATM card. This service supports secure transactions with a PIN, offers loan options, and extends banking access, making it a versatile tool for FCMB customers nationwide.
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**Disclaimer**
This article is for informational purposes only and not intended as financial advice. The content is not sponsored by or affiliated with any entities mentioned. Readers should seek independent financial advice before making investment decisions.
