Complete New Guide on First City Monument Bank (FCMB) USSD Code *329# — How to Transfer Money
Step-by-step guide
The complete guide to sending money with FCMB USSD
This guide shows how First City Monument Bank (FCMB) customers send money from any phone with no data. Everything starts at *329#.
Before you start
✓ A phone number linked to your FCMB account
✓ A 4-digit PIN, created when you register
✓ The recipient’s account number and bank
✓ A little airtime for USSD charges, and a network signal
Register once
1. Dial *329# from your FCMB-registered number.
2. Choose the register option and enter your account details.
3. Create a 4-digit PIN.
4. Follow the prompts until the service confirms you are set up.
Send money in 5 steps
1. Dial *329# and choose Transfer Funds, or use the shortcut below.
2. Enter the recipient’s account number.
3. Choose the recipient’s bank from the list.
4. Enter the amount and check the details on screen.
5. Enter your 4-digit PIN to confirm.
Shortcut: *329*Amount*Account Number#, for example *329*5000*1234567890#. Four guides give this format. For other banks, one guide says to pick the bank from the list the menu shows, but it does not say at which step, so use the menu for those transfers.
Limits and fees
Guides say daily limits apply and that a branch can raise yours. They give no limit amounts and no transfer fee figures. Ask FCMB before a large transfer.
5 safety rules
▸ Never share your PIN or an OTP, even with a caller who says they work for the bank.
▸ Check the account number and bank twice before you enter your PIN.
▸ Do not dial a code someone texts you. Start from *329# yourself.
▸ Keep the confirmation message until the recipient has the money.
▸ If your phone is lost, block your USSD banking and your SIM. One guide gives *329*911# for blocking, so confirm it with the bank.
Send N100 to a friend first. When that works, you are ready for the big payment.
