Did you move your primary bank account to FCMB recently? If yes, you’ll need to unlearn and relearn so much stuff. 

Using transfer codes is nothing new. Most banks offer an option to send money, receive money, pay bills, and purchase airtime using their specified transfer code. FCMB isn’t an exception.

With the introduction of FCMB NEW MOBILE, you can always carry out banking transactions from your cellphone, even without an internet connection.

In this post, you’ll learn how to activate your FCMB TRANSFER CODE for seamless transactions from any mobile phone with a SIM card.


Similar to FirstBank’s Quick Banking and UBA’s Magic Banking, FCMB brings the flexibility of USSd banking to its users through its NEW MOBILE initiative.

With the FCMB TRANSFER CODE, you can carry out most of your banking transactions on any smartphone, even without an internet connection.

Unlike most other banks that offer a USSD banking option, FCMB gifts users many exclusive benefits for transacting with the USSD code.

While most retail accounts support NEW MOBILE, you can’t use the transfer code if you hold a domiciliary account, a FCMB Children’s Account, or any Premium account tiers.

If you don’t hold any of the accounts specified above, you can proceed below to learn how to activate your NEW MOBILE account and start using FCMB’s transfer code.

How to activate the FCMB TRANSFER CODE

FCMB TRANSFER CODE is not automatically activated for all eligible users. If you intend to make transactions using the USSD code, you must manually sign up through the steps outlined below.

Dial *329*0#

FCMB Transfer Code is *329# also known as Fcmb ussd code, With the dialing of *329# FCMB Code Or FCMB TRANSFER CODE, FCMB users gain access to a wide array of financial services right at their fingertips.

One of the primary functions of this USSD code is to facilitate mobile money transactions. Users can check their account balances, transfer funds, and even pay bills with just a few simple keystrokes. This not only saves time but also reduces the need for physical cash, promoting a safer and more secure payment ecosystem.

To initiate the USSD session, dial *329*0# Special FCMB Transfer code or FCMB Ussd Code on your mobile phone. After dialing the code, a menu will appear on your screen. This menu lists various services you can access using FCMB Transfer Code or FCMB USSD Code. Each service will have a corresponding number. Reply with the number associated with the service you want to use.

Dialing the *329# FCMB TRANSFER CODE will evoke a prompt warning that you’ll be shelling out a N6.98 service charge for USSD transactions on the network. If you’ve used transfer codes from other banks, you should know that this is the industry standard.

  • Enter the last digits of your FCMB’s debit card number

If you have an account with FCMB, you should get to a page where you can enter the number on the debit card associated with your FCMB account.

You only need to enter the last six digits, and you can only proceed if it matches the numbers on FCMB’s records.

If you don’t have an account associated with your phone number, you’ll get a prompt with the message, accompanied by an option to create an account with FCMB.

If you get this message despite having an account with FCMB, you may need to contact the bank’s support to rectify the error.

  • Choose a PIN

After entering the numbers on your debit card, the following prompt will ask you to choose a PIN to secure your USSD transactions.

This PIN is different from the debit card PIN that you use to make ATM and debit transactions. Also, we don’t recommend entering your debit card PIN here, as it only makes your account less secure overall.

Remember, NEW MOBILE is only as secure as your PIN. If someone can access your phone and your PIN, they can carry out any transaction without access to any other information relating to your account.

After entering a strong PIN twice, you should receive a confirmation message from FCMB with your account summary.

FCMB TRANSFER CODE is *329#, there are more 14 FCMB USSD CODE LIST If you made it to this stage without any hitches, you’ve successfully created a FCMB NEW MOBILE account. Now, you can use the *329# FCMB TRANSFER CODE to make transactions on your account and other ussd code is listed below.

If you don’t know what transactions you can make through the NEW MOBILE feature on your phone, the next section will explain it in detail.

How to Transact Using FCMB TRANSFER CODE

You’ve set up your FCMB NEW MOBILE account; now what? How do you make regular banking transactions without ever downloading the FCMB app?

This section outlines some use cases of the FCMB transfer code and how you can carry out these transactions.

  • Account Opening

If you don’t have a FCMB account already, dialing the transfer code will only result in a prompt to open an account.

Opening a FCMB account through NEW MOBILE is easy and free, and you can get an account number without doing any paperwork.

If you want a debit card, however, you may have to visit a FCMB branch. Your phone can’t print out a card, you know?

  • Airtime Purchase

If you purchase airtime quite frequently, you should always do it using the FCMB transfer code.

To buy airtime using the code, dial *329*amount*phone number# and enter your PIN to authorize the transaction.

The first 329 FCMB customers to purchase airtime using the FCMB transfer code will get twice the recharge amount if it is N500 or more, but not more than N1,000.

  • Money Transfer

Money transfer is the most popular feature of NEW MOBILE. It allows you to transfer money to anyone with a bank account regardless of the bank.

You can make a transfer by dialing *329*amount*recipient’s account number# on your phone. You may have to enter your PIN to authorize the transaction.

Apart from transferring money and purchasing airtime, you can also update your BVN, make cardless withdrawals, retrieve your card PIN and even block your debit card using the FCMB transfer code.

Full List of All FCMB USSD Codes

Fcmb ussd code

What it’s used for 


Mobile Top-up for self

*329*Amount*Mobile number#

Mobile Top-up for others


Code for fcmb account balance

*329*Amount*Account number#

To transfer funds


To reset/create pin

*329*1*Mobile number#

To buy data

*329#, select bank statement

To get bank statement

*329*2*Amount*Smartcard number#

To pay for Dstv or Gotv subscription

*329#, select self-service

To link BVN

*329#, select self-service

To block debit card

*329#, select self-service

To block account

*329*3*Amount*Meter no# or *329*3*Amount*Account ID#

To pay electricity bill


To block USSD profile or Bank account


To increase daily transaction limit

More Bank Transfer Codes

Keystone Bank Transfer Code

Sterling Bank Transfer Code

GTBank Transfer Code

Ecobank Transfer Code

UBA Transfer Code

Wema Bank Transfer Code

Heritage Bank Transfer Code

Stanbic Ussd Code

Unity Bank Transfer Code

Polaris Bank Transfer Code

First Bank Transfer Code

Union Bank Transfer Code

Fidelity Bank Transfer Code

Zenith Bank Transfer Code

Access bank Ussd Code

Diamond bank Ussd Code

Globus Bank Ussd Code

Accion MfB Ussd Code

lotus bank transfer code

jaiz bank transfer ussd code

opay ussd code

standard chartered bank Ussd Code

palmpay ussd code

suntrust bank ussd code

paylater ussd code

hope bank transfer code

premium Trust Bank ussd code

moniepoint ussd code

alat Ussd code

payattitude ussd code

Optimus Bank Ussd code

Titan trust Ussd code

rubies bank Ussd code

Taj bank Ussd code


FCMB TRANSFER CODE makes transactions easy. Banking activities that require human presence at a bank branch are now possible from a cellphone without an internet connection.

However, you should note some of the charges and limits associated with this service.

For example, you shell out a N6.98 service charge for every transaction, and you can’t purchase airtime of over N3,000 in 24 hours.

Most people will agree that the advantages of the service eclipse these charges and limits, making NEW MOBILE is a welcome initiative.

Leave a Reply

Your email address will not be published. Required fields are marked *