FCMB Mobile

Banking that fits into your day, wherever you are.

Download the Mobile App

The FCMB Mobile App is built to make everyday banking simpler and more flexible for you.

Benefits
  • Fixed Deposits
  • Self-service limit increase
  • Multiple authentication methods
  • Single/multiple customer onboarding
  • SME and personal account opening
  • Education Investment Plan
  • Chequebook and draft request
  • Target savings
  • Loans
  • Dispute transaction via the App
  • Card management
  • Account officer support
  • Birthday notification
  • Cardless withdrawals
  • Pay bills and utilities.
  • Diversify your investment with FCMB Asset Management.
  • Enrol with FCMB Pensions easily.
  • Get a credit card or manage your existing credit card.
How to get set up

If you’ve downloaded the FCMB Mobile App but haven’t enrolled yet, it only takes a few steps.

Here’s how to get set up:

  • Launch the App
  • Click "Signup"
  • Click "I have an FCMB Account" and type your account number.
  • Validate your account with your card details or an OTP.
  • Create your Login Password and Transaction PIN

And you’re all set. You can start banking right away. If you need to adjust your transaction limit, just use your debit card or give us a call on 0700 329 0000.

Token Authentication For Transactions Above N200,000

In line with Central Bank of Nigeria (CBN) directives, please be informed that transactions of N200,000 and above on the FCMB Mobile App will require token authentication. This means that you will no longer be able to make transactions of N200,000 and above with just your PIN on FCMB Mobile App.

If you don’t have a token yet, you can request one easily.

Upgrade your account from anywhere

You can now upgrade your account from anywhere, no branch visit needed.

Here’s how:

  • Log in to FCMB Mobile
  • Select ‘Upgrade my Account’ at the bottom of the screen.
  • Select the account you would like to upgrade
  • Select preferred Account Tier.
  • Upload the required documents and submit.

Once you’re done, your account will be upgraded.

Log a Failed Transaction Dispute

Sorting out a transaction issue is now even easier on the mobile app. Here’s what to do:

  • Log in to the App
  • Select Log Failed Transaction Dispute from side menu
  • Select the transaction in question.
  • Click "Initiate Dispute"
  • Insert extra information and click "Proceed"

We’ll keep you updated on your claim every step of the way.

Ready to get started? Download the FCMB Mobile App and see how easy banking can be.

Frequently Asked Questions

1. What Is FCMB Mobile?
FCMB Mobile is our new digital banking app, designed to make managing your money simple and flexible. You can check your balance, transfer funds, manage your cards and much more – all in one place.

2. How Can I Get The New FCMB Mobile App?
You can download the app from:

  • Apple Store
  • Google Playstore

3. How Do I Register On The FCMB Mobile App?
If you already use Internet Banking or FCMB Mobile Plus, just log in with your usual username and password.

If you’re new to FCMB Mobile, here’s how to get started:

  • Launch the app (if you have not already downloaded it, please click here to do so)
  • Select “Sign Up”
  • Select “I have an FCMB Account”
  • Enter your account number and confirm the account name
  • Enter your card details (first 5 and last 4 digits of card PAN), then your card PIN
  • Or select “Get OTP” and then enter the OTP sent to your registered mobile number
  • Create your Transaction PIN
  • Enter a Referral Code (optional)

If you don’t have an FCMB account yet, just choose “I don’t have an FCMB account” at step 3 to open one. Once your account is set up, you can follow the steps above to register.

4. Why Is My Device Not Recognised?
This message is displayed whenever you log in to the app on a mobile device for the first time. You need to register your profile on this new device by selecting Register Device. Enter the OTP sent to your registered mobile number to complete the process.

5. What Is My Maximum Daily Transfer Limit?
The default daily transfer limit is 50,000, but you can increase it if you need to.

  • Individual User Profile: One-time limit of 10 million and a daily limit of 25 million.
  • Business User Profile: One-time limit of 50 million and a daily limit of 250 million.

6. What Bill Payments Are Available On The New Mobile App?
You can pay for Cable TV, internet, electricity, tolls, online betting and more – all from the app.

7. What Happens to My New Mobile App If I Lose My Device?
If you lose your device, please call our contact centre or email customerservice@fcmb.com so we can help you deactivate it.

8. What Do I Do If I Forget My Username, Password or PIN?
If you forget your username, password or PIN, just tap “forgot credentials” on the app and follow the prompts. You can also reach out to us by phone, email or at any FCMB branch – we’re here to help.

9. What Happens If I Change My Mobile Phone or Mobile Number?
Your profile stays the same, but you’ll need to update your details. Just give us a call, send an email or visit any FCMB branch and we’ll help you update your profile.

10. What Happens If I Port My Mobile Number?
Your profile stays the same, but you’ll need to update your details. Just give us a call, send an email or visit any FCMB branch and we’ll help you update your profile.

11. How Long Will It Take for My Transfer to Get to The Beneficiary Account?
Transfers happen instantly.

12. What Are The Transaction Charges on FCMB Mobile?

  • Interbank transfer
    • N5,000 and below – N10.75
    • N5,001 to N50,000 – N26.88
    • Above N50,000 - N53.75
  • Intrabank transfer - Nil
  • Bills Payment - N107.5
  • Airtime/Data recharge - Nil

13. Which Type Of Account Can I Use For FCMB Mobile?
You can use the app with Wallet, Individual or Business accounts.

14. Is FCMB Mobile Secure?
Yes, it is secure. It is password-protected, and transactions on your account are verified with an authentication code known only to you. These are in addition to the other security measures already in place.

15. Can I Use The App On A Device That Is Not Mine?
Yes, but the customer needs to remove the device if it was downloaded on a previous device.

16. How Many Devices Can Be Registered Under My Profile?
You can register and log in to your account on only one device at a time.

17. What Are The Benefits Of FCMB Mobile App?

  • Real-time access to your accounts with FCMB
  • Send money and make payments instantly, whether for personal or business needs.
  • Bank anytime, day or night
  • Find the nearest FCMB branch easily.
  • Keep your banking private.
  • Secure means of transacting

18. What Are The Additional Benefits Of The FCMB Mobile App Over Older Apps?
With the FCMB Mobile App, you’re able to:

  • Merge all your login credentials into a single set.
  • Make fixed deposit transactions.
  • Start target savings for a project or a rainy day.
  • Book loans
  • View all your accounts in one place.
  • Purchase movie tickets
  • Generate your transaction receipts and account statements.
  • Log in with password, PIN, fingerprint or facial recognition (iPhone X and above)