FCMB USSD Code: Transfer, Balance & Airtime (*329#)
FCMB's USSD code is *329#. Dial it to transfer money, check your balance, buy airtime, and pay bills without internet. To transfer: dial *329# and select Transfer in the menu, or use the shortcut *329*amount*account#.
FCMB USSD codes — reference
| Operation | Method (always correct) | Direct shortcut |
|---|---|---|
| Base code (USSD) | Dial *329# | *329# |
| Transfer | Dial *329#, then select Transfer from the menu | *329*amount*account# |
| Balance | Dial *329#, then select Balance from the menu | — menu only |
| Airtime | Dial *329#, then select Airtime purchase from the menu | *329*amount# |
How do I transfer money with the FCMB USSD code?
- Dial *329# from the phone number linked to your FCMB account.
- Select "Transfer" from the USSD menu.
- Enter the recipient's 10-digit NUBAN account number.
- Enter the destination bank code (or pick from the displayed list).
- Enter the amount to transfer.
- Verify the displayed recipient name, then enter your FCMB USSD PIN to confirm.
Direct shortcut (advanced): *329*amount*account#. The menu is still more reliable for unusual destinations.
Why is the FCMB USSD code not working?
- Wrong phone number : bank USSD only works from the phone number linked to your FCMB account. If you've changed your number, update your bank profile first.
- USSD service not activated : new accounts — activate FCMB USSD via a branch or the mobile app before first use.
- Insufficient telco airtime : the USSD session fee is ~₦6.98, charged by your telco. Without airtime, the code fails silently.
- Weak network : USSD needs a stable cellular signal; retry with better coverage.
- Code changed : dial the base code *329# and use the menu — the menu always reflects current operations, unlike an old direct shortcut. Contact FCMB to confirm.
Fees and security
USSD fees : ~N6.98 USSD session fee + bank fees. The USSD session fee is charged by your telco operator (NCC regulation), not by the bank. Compare against MoMo fees in our Nigeria calculator.
Security : NEVER share your FCMB USSD PIN with anyone — including someone claiming to be a bank agent. FCMB will never ask for your PIN via call, SMS, email or WhatsApp. Lock your SIM card (SIM PIN) so a phone thief cannot access USSD. If your phone is lost or stolen, call FCMB immediately to block USSD.
Note : Balance via menu — direct shortcut not consistently published.