Bella, a close friend, said she can’t remember the last time she queued up for a transaction. *329# was all she needed to perform various banking transactions quickly, conveniently, and securely with her mobile phone, without visiting the bank physically.
YOU TOO CAN TESTIFY, if you take your time to read this article centered on discussing how to register, transfer money, buy airtime, and use other services available on the FCMB USSD code.
As hinted above, the FCMB USSD code is *329#. It is a shortcode that helps customers of FCMB to access various banking services through their mobile phones from the comfort of their favorite places.
How to Register for FCMB USSD Code
To start making use of this code, you need to register your mobile number with your FCMB account. The registration process is not as hard, hence it can be completed within minutes. Here are the steps to follow:
- Dial *329# on your mobile phone
- Select “Register” from the menu options
- Enter your account number
- Follow the next prompt on the screen to finish the registration process
- Set up your PIN, which will be used to authorize transactions on the USSD code
READ: How To Fix Opay Login Problems (Full Guide)
Once you have successfully registered, you can start using the shortcode to access various banking services like transferring money, buying airtime, paying bills, checking your balance, and even applying for a loan.
How to Use the FCMB USSD Code
We have put up a step-by-step guide to help you understand how to use this service. Follow the steps below:
- Dial *329# on your mobile phone
- Select the transaction you want to carry out from the menu options (Check balance> Airtime> Transfer> Data> Payments> Loans> Statement> Self-service)
- Enter the required details, such as the recipient’s account number, the amount to be transferred, or the biller’s code
- Enter your PIN to authorize the transaction
- Wait for a confirmation message
It’s as simple as that! The shortcode is simple and convenient to use, letting you carry out banking transactions from the comfort of your home or office.
How to Open an FCMB Account Through USSD Code
Opening an FCMB Account using the shortcode is easy, see the steps below.
- Dial *329# using the contact of your desired network.
- An automated “Welcome SMS” will be sent to the contact, prompting you to provide your “First Name”
- Input and send your First Name.
- Then follow the other prompts closely to finalize the process.
- Your mobile number will be incorporated into your account number without the initial zero.
Benefits of Opening FCMB Account Using USSD Code
- It doesn’t require any form of internet connection
- You can open an account with any mobile network in Nigeria.
- You don’t have to be present in the bank to get it done.
- You can send and receive money from and to anyone, no matter the bank they are using.
- The account type is not junior to any other type of account.
Step to Transferring Money using FCMB USSD code
Transferring money using the FCMB shortcode is quick and easy. Here are the steps to follow:
- Dial *329# on your mobile phone
- Select “Transfer” on the 3rd option from the menu options
- Select the benefactor account you are sending from
- Enter the recipient’s account number
- Enter the amount you want to transfer
- Confirm the transaction with your PIN
READ: How To Fix Urban VPN Connection Error
If everything goes as supposed, Your account will be debited, and the recipient’s account will be credited instantly. A notification confirming the success of the transaction will be forwarded to you via SMS, as well as your email address (if you have any)
How to Get a Loan from FCMB Using USSD Code
Existing customers of FCMB are open to getting funds of about N200,000 in loans using *329*11#. Though this offer is also available for non-existing customers, they’ll need to create an account with the banking firm by dialing *329#
Benefits of Applying for FCMB Loan Using USSD Code
- You don’t need to present any paperwork.
- No need for collateral
- New customers get a 30-day payback tenure
- Returning customer gets up to 90-days payback tenure
- You can get as many loan opportunities, as long as you qualify.
Buying Airtime using FCMB USSD Code
Apart from other services, The shortcode also allows you to credit airtime to your mobile number or that of others. You can find all you need to get it done below:
- Dial *329# on your mobile phone
- Select “Airtime” on the 2nd Option from the menu options
- Select the account you want to debit
- Enter the recipient’s phone number
- Enter the amount you want to purchase
- Confirm the transaction with your PIN
The airtime will be credited to the recipient’s phone number immediately (if there are no network issues) and you will receive a notification confirming that the transaction was successful.
Other Services Available on FCMB USSD Code
Apart from transferring money and buying airtime, there are various services available on the FCMB USSD code. These services include:
Checking Account Balance: You can check your account balance by dialing *329# and selecting “Check Balance” on the options menu.
Generating One-Time Passwords (OTP): You can generate OTP for your transactions by dialing *329*1*OTP# on your mobile phone.
Paying Bills: You can pay your bills by dialing *329# and then selecting “Payments” from the options.
Requesting for a Mini Statement: You can request a mini statement of your account by dialing *329# and choosing the “Statement” option from the menu.
Blocking Your Account: To block your account, you only have to dial *329# on your mobile phone and choose the “Self-Services” and select “Block Account” from the menu
READ: Envato Cookies Not Working: Causes And Solutions
Updating Your Personal Information: If Your want to update your account, dial *329# and choose “Self-Services”, then “Account Update” from the menu
Is there a Limit to The Amount of Money I Can Transfer using the FCMB USSD Code?
Yes, there is a limit to the amount of money you can transfer using the FCMB USSD code. The limit varies depending on your account type (Current, Savings, and Corporate accounts ) have different transfer limits via Ussd services.
However, you can Dial *329# and choose “Self-Services” then “Limit Increase” to request an upgrade or contact FCMB customer care to help you upgrade your transfer limit.
How do I change my FCMB USSD Code PIN?
Changing your USSD code PIN is not a difficult one, follow the steps below to achieve it.
- Dial *329# on your mobile phone
- Select “Self-Services” from the menu options
- Select “Change PIN/Transaction Code
- Enter your old PIN
- Enter your new PIN
- Confirm your new PIN
- Wait for a confirmation message
Note: Changing your PIN regularly is recommended to ensure the security of your account.
What Happens if I Forget My FCMB USSD Code PIN?
If it happens, that you forgot your FCMB USSD code PIN, you can reset it by following the steps below:
- Dial *329#
- Select “Self-Services” from the menu options
- Select “Reset PIN/Transaction Code”
- Enter your account number
- Follow the next prompt to reset your PIN
On the other hand, you can visit any FCMB branch or contact FCMB customer care to reset your PIN.
Are There Charges for Using the FCMB USSD Code?
Yes, FCMB charges N10 per transaction using the FCMB USSD code. Sometimes, The charges vary depending on the transaction type and the amount involved.
READ: How To Fix RCM Loader Not Connecting To PC Error
However, the charges are not outrageous and you can check the FCMB website or contact FCMB customer care to find out the charges for different transactions.
Is the FCMB USSD Code Secure?
Yes, the FCMB USSD code is secure. You only have to enter your PIN to authorize transactions, be rest assured that the code uses encryption to protect your data, hence you don’t need to entertain any form of fear
However, it is important to keep your PIN private and never share it with anyone.
How do I contact FCMB Customer Care if I Have Any Issues With the USSD Code?
Reaching out to FCMB customer service should be your last resort when no other option works. However, You can contact FCMB customer care by dialing 01-2798800 or sending an issue-based email to customerservice@fcmb.com.
In the worst cases, You can also visit any FCMB branch near you for further assistance. You can also reach them via phone calls on 01 279 8800 and 0700 329 0000. However, ensure that you have enough airtime loaded before you attempt any call as would likely end up in a queue and have to wait a while for your turn.
Final Thoughts
If you’d read through this well-detailed article, you would agree that the FCMB USSD code is a convenient and secure way for FCMB customers to access banking services from their mobile phones.
Having one of the most memorable shortcodes for easy mobile payment, you can carry out a wide range of transactions, including transferring money, buying airtime, paying bills, and updating your personal information.
As highlighted above, It is important to keep your PIN safe and secure. Desist from any attempt to share it with anyone to ensure the optimum security of your account.
Feel free to change your PIN if you perceive any unusual activities on your account and ensure you enjoy all the services possible with FCMB USSD codes.
Obinna Kenneth is a Tech enthusiast who is keen to keep tech lovers informed on various apps, gadgets, and systems. He also writes about other niches professionally, including gaming and the like.
