FCMB Transfer Code in Nigeria — How to Use *329# (2025 Guide)
What’s the Current FCMB Transfer Code?
The FCMB transfer (USSD) code is *329#. You can dial it from any mobile network (MTN, Glo, Airtel, 9mobile) — no internet or smartphone required.
Quick menu at a glance
| Action | USSD Syntax / Option |
|---|---|
| Start / main menu | *329# |
| Transfer to FCMB | *329*Amount*AccountNumber# |
| Transfer to other banks | *329*Amount*AccountNumber# (choose non-FCMB option) |
| Check balance | *329*00# |
| Buy airtime for self | *329*Amount# |
| Buy airtime for others | *329*Amount*PhoneNumber# |
| Pay bills / utilities | Follow on-screen prompts after *329# |
| Reset PIN / request OTP | *329*0# |
| Block USSD access | *329*911# or contact FCMB |
Why use *329#?
- No internet required: Works on feature phones and smartphones alike.
- Fast: Transactions usually complete instantly.
- Secure: You’ll be prompted for a PIN or OTP.
- 24/7 availability: No need to visit a branch or use data.
Step-by-Step: How to Use *329#
- Dial
*329#from the number linked to your FCMB account. - Register (if first time): enter your account number and choose a 4-digit PIN.
- Transfer: Dial
*329*Amount*RecipientAccount#, choose whether the recipient bank is FCMB or another bank, then enter your PIN or OTP when prompted. - Confirm by waiting for the SMS transaction reference and recipient confirmation.
Common Issues & Solutions
| Problem | What to Try |
|---|---|
| Invalid PIN | Double-check your PIN; reset via *329# or contact FCMB support. |
| Network error | Move to an area with better signal and try again. |
| Transaction failed | Check your balance and recipient details, then retry. |
| Money debited but not received | Contact FCMB immediately with the SMS reference and transaction time. |
FCMB App vs. *329# — Which to Use?
| Feature | *329# | FCMB Mobile App |
|---|---|---|
| Internet needed | No | Yes |
| Works on all phones | Yes | No — smartphone only |
| Full features | Limited | Full (statements, investments, settings) |
| Speed | Very fast | Flexible & feature-rich |
Best practice: use *329# for quick transfers and the mobile app when you need advanced features or transaction history.
Security Tips
- Never share your PIN or OTP with anyone — not even if they claim to be bank staff.
- If your phone is lost or stolen, block USSD banking immediately via
*329*911#or call FCMB support. - Avoid obvious PINs (e.g.
1234, birth years) and confirm recipient details before sending. - Always keep your transaction SMS as proof until you confirm the recipient received the funds.
Other FCMB Banking Options (2025)
- FCMB Mobile App & Internet Banking: Best for statements, transfers, and account management when you have data.
- ATM / Branch / POS: Use for large cash withdrawals, deposits or in-person help.
- International Transfers: Use FCMB’s SWIFT services for domiciliary/international transfers (check SWIFT code with the bank).
The fastest way to move money with FCMB when you don’t have internet access. Pair it with the mobile app for a full banking experience, keep your PIN/OTP private, and contact FCMB immediately if anything looks off.
If you want, I can also prepare:
- A shorter version for mobile readers
- Schema-rich FAQ section (for better SERP presence)
- Similar guides for GTBank, Zenith Bank, Access Bank, UBA, etc.