If you’re looking for an easier way to manage household or utility payments, or want to keep track of spending when someone helps out with errands, our FCMB utility card could be just what you need.

We know it’s not always easy to open another account just to manage household expenses. That’s why our utility card is designed to make things simpler, whether you’re organising bills or helping a family member like Grandpa handle payments and cash withdrawals without a bank account.

Benefits

• You can request extra Utility Cards for your account, making it easy to give your children or household staff their own cards when needed.
• It’s simple to move money from your FCMB account or any other bank straight to your Utility Card.
• Your Utility Card is secure and straightforward to use.
• You can use your Utility Card at ATMs, in stores, and for online payments.
• If you have a corporate account with more than one signatory, you can also request a Verve Utility Card.
• We can issue your Utility Card in the name you prefer, not just the account name.

If you’re ready to get started, you can pick up an FCMB Utility Card at any of our branches for N1,075. Our team is always here to help if you have any questions.

Frequently Asked Questions

What is the FCMB Utility Card?

The FCMB Utility Card is a simple way to set aside money for your regular expenses, like bills or monthly budgets. It helps you stay in control of your spending and keeps your main account safe from unauthorized access. You can also give a supplementary card to someone you trust, so they can help manage payments for you. The card is available in both Verve and MasterCard options, and works in Naira.

Why do I need the FCMB Utility Card?

If you need to keep an eye on how money is spent by someone running errands for you, or want to set aside funds for household bills as soon as your salary comes in, the FCMB Utility Card can help. It’s also a handy option for managing payments like fleet expenses and more.

What makes the Utility Card different from a regular debit card?

With a Utility Card, you can only spend what you’ve loaded onto it, so you always know where you stand. This is different from a regular debit card, which takes money directly from your main account.

How does the FCMB Utility Card work?

• The Utility Card is available as a supplementary card for our existing customers. You’ll need an FCMB account before you can request one.
• You can use your Utility Card for payments or withdrawals at ATMs, on POS machines, or online.
• Please note, you can’t use the Utility Card for over-the-counter withdrawals.
• You can fund your Utility Card from your FCMB account or from another bank account.
• If you need to transfer funds from your Utility Card, you can do so at the ATM.

What is the cost of the FCMB Utility Card?

The Utility Card is available for N1,075.

What are the daily transaction limits on the FCMB Utility Card?

• You can withdraw up to N40,000 daily at ATMs,
• spend up to N500,000 on POS,
• and make online payments up to N100,000.

If you need a higher limit, just let us know.

How do I activate my FCMB Utility Card?

You can activate your card right away at any FCMB branch. Just visit us and our Customer Service Manager will help you get started.

What happens if the FCMB Utility Card is stolen, damaged, or expired?

Please contact our 24/7 contact centre at 07003290000 or email customerservice@fcmb.com.

Can I fund my FCMB Utility Card from any account?

Yes, you can fund your Utility Card from another FCMB account or from another bank. Please note, you can only transfer funds out to your main FCMB account.

How can I check the available balance on my FCMB Utility Card?

• You can check your Utility Card balance at the ATM,
• on the FCMB New Mobile app,
• on FCMBOnline,
• or by dialing *329#.

Can the FCMB Utility Card be issued to a corporate customer?

Yes, corporate customers can also get the Verve Utility Card.

Can the FCMB Utility Card be issued to a large corporate customer with multiple signatories?

Large corporate customers with multiple signatories can also request the Verve Utility Card, as long as a few conditions are met:

• A Board resolution agreeing that the bank should issue such cards on their account and designating a custodian for the Utility Card.
• The written request for the Utility Card must have the concurrence of all signatories to the account and identify the custodians of the debit cards.
• A statement/letter indemnifying the bank of any loss that may arise from the issuance of the card on their account.
• For multiple card requests, a list of the card beneficiaries and their respective phone numbers for transaction alerts.