The primary FCMB USSD code is *329#, which allows customers to perform banking transactions directly from their mobile phones without internet access. By dialing *329#, you can access FCMB’s USSD menu to transfer money, buy airtime, check account balance, pay bills, and manage your account securely.
For example, dial *329*0# to check your account balance, *329*Amount# to buy airtime for yourself, or follow the on-screen menu after dialing *329# to transfer money to any bank in Nigeria.
FCMB USSD works on all mobile phones and Nigerian networks, making it ideal for offline banking.
Popular FCMB USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| FCMB Main Menu | *329# |
| Check Account Balance | 3290# |
| Transfer Money | *329# → Transfers |
| Buy Airtime for Self | 329Amount# |
| Buy Airtime for Others | 329Amount*PhoneNumber# |
| Pay Bills | *329# → Pay Bills |
| Open FCMB Account | *329# → Open Account |
| Block Account | *329# → Security Options |
These codes allow quick management of your FCMB account without internet. Always dial from your registered phone number and keep your PIN secure.
About FCMB
First City Monument Bank (FCMB) is one of Nigeria’s leading commercial banks, offering retail, SME, and corporate banking services. FCMB provides digital banking solutions such as mobile banking, transfers, bill payments, loans, and savings.
While the FCMB Mobile App offers advanced features, *FCMB USSD (329#) remains a reliable alternative when internet access is unavailable or unstable.
This guide explains all FCMB USSD codes, how to activate USSD banking, charges, common errors, security tips, and everything needed for seamless offline transactions.
What Is FCMB USSD?
FCMB USSD is a mobile banking service that allows customers to perform financial transactions by dialing short codes on their phones without using mobile data.
USSD banking is ideal when you:
- Have slow or no internet connection
- Need urgent transfers
- Want quick airtime recharge
- Cannot access the FCMB app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main FCMB USSD Code in Nigeria (2026)
The official FCMB USSD code is *329#.
After dialing *329#, you can access FCMB’s full USSD menu, including transfers, airtime purchases, bill payments, balance checks, and account services.
Most used FCMB USSD codes:
- *329# — Main USSD menu
- 3290# — Check account balance
- 329Amount# — Buy airtime for yourself
- 329Amount*PhoneNumber# — Buy airtime for others
- *329# → Transfers — Send money
- *329# → Pay Bills — Utility payments
- *329# → Open Account — New FCMB account
How to Activate FCMB USSD Banking
To use FCMB USSD:
- Have an active FCMB account (or open one via *329#)
- Use the phone number linked to your FCMB account
- Ensure good network signal
- Dial *329#
- Create a 4-digit USSD PIN when prompted
Once activated, you can perform transactions anytime without internet.
Full Breakdown of FCMB USSD Codes and Their Uses
1. FCMB Code for Transfers
To transfer money:
- Dial *329#
- Select Transfers
- Choose FCMB or other banks
- Enter amount and recipient details
- Confirm with your PIN
Transfers work with all Nigerian banks including Access, GTBank, Zenith, First Bank, UBA, Ecobank, and others.
2. FCMB Code for Airtime
For Self:
Dial 329Amount#
Example: 329500# to recharge ₦500
For Others:
Dial 329AmountPhoneNumber#
Example: 329100008012345678#
Airtime is credited instantly.
3. FCMB Code for Account Balance
To check your balance:
Dial *329*0#
Enter your PIN if prompted.
4. FCMB Code for Utility and Bill Payments
Dial *329# and select Pay Bills to pay for:
- Electricity (DISCO/PHCN)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Other supported services
Follow the on-screen instructions to complete payment.
5. Code to Block FCMB Account
If your phone is lost or stolen:
- Dial *329#
- Select Security / Block Account
- Follow the prompts
This immediately secures your account and prevents unauthorized access.
Why FCMB USSD Is Popular
FCMB USSD is widely used because it:
- Works without internet
- Is fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Is protected with PIN security
- Is available 24/7
How to Set or Reset Your FCMB USSD PIN
First-time setup:
- Dial *329#
- Choose Create PIN
- Enter a 4-digit PIN
- Confirm
Reset PIN:
- Dial *329#
- Select Forgot PIN
- Verify your details
- Set a new PIN
Always keep your PIN private.
FCMB USSD and Transaction Charges
- Dialing *329# is free
- Network providers may charge ₦6–₦7 per USSD session
- Transfer fees apply based on CBN-approved charges
- Airtime purchases usually attract no extra fees
Common FCMB USSD Errors and How to Fix Them
- USSD not working: Check network or use registered SIM
- Incorrect PIN: Reset PIN via *329#
- Insufficient funds: Fund your account
- Session timeout: Retry in a stronger network area
- Transaction failed: Confirm details and try again
How to Use FCMB USSD Without the App
If the FCMB app is unavailable:
- Dial *329# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Open an account
- Secure your account
USSD serves as a reliable backup to mobile banking apps.
Is FCMB USSD Safe?
Yes. FCMB USSD is secured with:
- 4-digit PIN
- SIM-based authentication
- Account blocking options
Safety tips:
- Never share your PIN
- Do not allow strangers use your phone
- Block your account immediately if phone is lost
- Always use your registered SIM
Benefits of Using FCMB USSD
- Works offline
- Fast transactions
- No app required
- Works on any phone
- Useful in emergencies
- Ideal for rural areas
Limitations of FCMB USSD
- Some advanced services require the app
- Network USSD charges may apply
- Sessions may timeout during peak hours
- Cannot manage complex banking products
Frequently Asked Questions (FAQs)
What is the main FCMB USSD code?
*329#
Why is my FCMB USSD not working?
Network issues, wrong SIM, or service downtime
How do I check my FCMB balance?
Dial 3290#
Can I transfer money without the app?
Yes, dial *329# and select Transfers
How do I block my FCMB account?
Dial *329# and choose security options
Does FCMB USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is FCMB USSD free?
Dialing is free; network charges may apply
Conclusion
FCMB USSD codes make offline banking fast, simple, and secure in Nigeria. With *329#, you can transfer money, buy airtime, check balances, pay bills, and manage your account without internet access.
Whether you’re using a basic phone, dealing with poor network, or your app isn’t working, FCMB USSD remains a reliable banking solution in Nigeria (2026).
