Salary top-up loan is a credit scheme available to salary account holders.Through this scheme, qualified FCMB customers can access short or medium term funding, before payment of salary. Prequalification is done based on criteria such as up-to-date salary,no missed repayments on loans within the last 6 months and categorized employer.

You can apply for this loan in 4 easy ways:

Loan top-up via ATM

Salary Plus Loan Top-Up Via FCMB ATM
To top-up your Salary Plus loan at any FCMB ATM, simply follow the steps below:

  • Visit any FCMB ATM
  • Insert your debit card and perform any transaction (e.g. balance enquiry).
  • Once you complete the transaction, the ATM will prompt “Do you want to perform another transaction?” Choose “NO” then select the option “Top up your Salary Plus Loan”
  • Eligible loan amount and other pricing features will be displayed on the screen
  • To apply for the maximum amount you are eligible for, simply select “Maximum loan amount”
  • You can also select a lower amount if you prefer this (please note you cannot apply for an amount lower than N100,000). Click “Accept” to agree to the terms and conditions.
  • Loan will be disbursed within the next 24 hours.

Frequently Asked Questions on Salary Plus Top up on ATM

Loan top-up via FCMBOnline or Mobile App

To top-up your Salary Plus loan at any FCMB ATM, simply follow the steps below:

  • Log on to RIB/Mobile platform
  • Click on Salary Plus Loan Top-Up
  • Select Loan Repayment Account (Operative Account)
  • Request Interface with kastle, which then displays customer eligible amount
  • Input the eligible amount or reduce amount. Please note that customer cannot apply for any amount lower than N100,000.
  • Click to re-compute eligibility
  • Submit request and loan is disbursed within 24 hours.

Frequently Asked Questions on Top up on RIB

Loan top-up via *329#

To top-up your Salary Plus loan on your mobile using *329#, simply follow the steps below:

  • Dial *329#
  • Select 5 “Loan Top Up Requests”
  • Select Loan Repayment Account (Operative Account)
  • Request Interface with kastle and the customer eligible amount is displayed.
  • Press 1 to re-compute eligibility, 2 to submit request. If a customer presses 1, customer would need to input new eligible amount. NB: this cannot be higher than the display Eligible Amount and submit.
  • Customer submit request

Loan top-up at an FCMB Branch

To top-up your Salary Plus loan at any FCMB Branch, simply follow the steps below:

  • CSO inputs customer account number on Slipfree.
  • Eligible amount is displayed.
  • Customer confirms go ahead with the loan amount and conditions.
  • CSO submits request.
  • OTP is generated upon completion and sent to the customers’ account for security reasons.
  • Customer reads out the OTP and CSO consummates the request.
  • Loan is disbursed within 24 hours.

Frequently Asked Questions on Branch Top up