eep reading to discover how you can easily open an FCMB account — on your phone or computer — either by visiting the official website of the bank or dialing the account opening USSD code.

First City Monument Bank, popularly known as FCMB, is one of the CBN-licensed commercial banks in Nigeria. The bank boasts millions of customers spread across all the 36 states of Nigeria.

Several individuals and companies are always looking to open an account with FCMB. As the case may be, the bank provides several account options, to meet a wide range of customer needs.

Basically, the account types are divided into business and personal. It is pretty much self-explanatory. In the sense that, if you wish to open an account in your name (for personal use) then you have to go for personal. On the other hand, if you wish to open an account for your business/brand/company, then you have to open a business account type.

There should be no limitations, whatsoever, with opening an account with FCMB, provided you have the right documents and follow our instructions.

FCMB account types

All the account types for FCMB are grouped under Business and Personal. Both Business and Personal account types have several other account types that are further grouped into Savings and current accounts.

This article focusses on just the personal account types, since opening a business account is a little bit more intricate.

1. Savings account

The savings account types for FCMB are:

  • FCMB Easy Account
  • Kids (0-15 Yrs)
  • Flexx (16-30 Yrs)
  • Classic Savings Account
  • Premium Savings Account
  • FCMB Salary Savings Account
  • Domiciliary Savings Account

2. Current accounts

The current account types for FCMB are:

  • Classic Current Account
  • Premium Current Account
  • Personal Business Account
  • Domiciliary Current Account

How to Open FCMB Account using USSD (No internet connection needed)

To open an FCMB Easy Account using your mobile phone, follow the steps below.

Step 1. Dial *329# using the phone number you wish to open the account with.

Thereafter, you’ll get a message saying ‘Welcome to FCMB. To open FCMB Easy Account, enter your First name.

Step 2. Enter your First name and click on Send.

After that, follow the instructions you see to complete your account opening.

Points to note with FCMB Easy Account:

  • Your phone number (without the initial zero) becomes your bank account number.
  • You don’t need any documents to open the account, just your phone number.
  • It is available on all GSM numbers in Nigeria.
  • According to the official website, you can perform transfers, withdrawal using the account. Plus, you get to receive a debit card that you can use to perform a wide range of transactions.

How to open FCMB account online:

Step 1. Visit FCMB account opening portal using

You can do that using either your mobile phone or your computer.

Step 2. Select the account type you wish to open.

FCMB account opening portal (screenshot) | Credit FCMB. 

You have two options to choose from: Personal and Business Account.

For now, I’ll go with Personal.

Step 3. Click on ‘Get Started’

Meanwhile, get ready to provide the following documents:

  • Scanned copy of your passport photograph
  • Scanned copy of your signature

Step 4. Complete the ‘Online Account Opening Request Form’

After completing the form, you’ll need to agree to terms and then click on ‘Continue’.

Step 5. Complete the next form and upload every necessary document.

After you’re done filling all the forms, make sure you submit your application for a new account with FCMB.

Thereafter, your application will be reviewed by an FCMB staff and you’ll receive an update within a few days (maybe hours).


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