FCMB Customer Care Number: Fast, Reliable Ways to Reach First City Monument Bank

First City Monument Bank (FCMB) operates a 24/7 Contact Centre to support personal, SME, and corporate customers across Nigeria and abroad. Whether you need to block a card, dispute a transaction, reset your mobile banking, or ask about loans and charges, the customer care lines below are the quickest official routes to a live agent.

Founded in 1982 and now serving millions of customers through 200+ branches nationwide, FCMB backs its digital channels with round-the-clock phone support. Keep the primary numbers handy, and always dial the international format when calling from outside Nigeria to avoid network filtering.

The Primary FCMB Customer Care Numbers (Nigeria and International)

FCMB’s main customer care lines are available 24 hours a day, including weekends and public holidays. For the smoothest experience, call from the line registered to your account (if possible) so authentication is faster. If you’re traveling, the international formats below will typically connect better on roaming networks.

• Nigeria (main line): 01-279-8800 (Lagos landline). International format: +234 1 279 8800.
• Nigeria (multi-network): 0700-329-0000. International format: +234 700 329 0000.
• Official website (contact page): https://www.fcmb.com/contact-us
• General site: https://www.fcmb.com

When you dial, you will reach FCMB’s Interactive Voice Response (IVR). Have your account number, card PAN (first/last 6 digits only if requested), and recent transaction details ready. For security, FCMB agents will never ask for your full card PIN, full OTP, or complete card details over the phone—hang up if anyone does.

Service Hours, Call Costs, and IVR Tips

FCMB’s Contact Centre operates 24/7. Peak call congestion usually occurs on weekdays between 08:00–10:00 and 12:00–14:00 WAT. Shorter wait times are common early mornings (07:00–08:00) and evenings after 18:00 WAT. If your query is non-urgent (e.g., statement requests), off-peak calling can save time.

Call charges are billed by your network provider at standard voice rates; FCMB does not levy a separate phone support fee. If you use USSD for self-service (see below), note that Nigerian networks typically charge a session fee of about ₦6.98 per USSD session (as guided by industry practice). Keep an eye on your airtime balance before initiating long calls or multiple USSD sessions.

On the IVR, listen carefully for options to self-serve (card block, PIN reset, balance, hotlisting) before requesting a live agent, as these flows are often faster. If you need to dispute a card transaction, note the exact date, amount, merchant name, and channel (POS/ATM/Online) to speed up resolution and obtain a reference number during the call.

Alternative Contact Channels (When You Can’t Call)

If your line is busy or you’re outside voice coverage, FCMB provides robust alternatives. USSD works on any GSM phone without data, while the mobile app and web are best when you have data and need transaction history or statements. Social channels are helpful for non-sensitive queries, but never share full personal or card details in public messages.

• USSD quick banking: dial *329# on your registered phone line. Common actions include balance checks, transfers, airtime/data purchase, and some card/account controls. Standard USSD session fees (about ₦6.98) apply.
• Mobile app: FCMB Mobile (Android/iOS). In-app support provides secure chat/call-back options tied to your profile; it’s the safest place to discuss account-specific issues online.
• Web contact form: https://www.fcmb.com/contact-us (submit a secure inquiry; expect a ticket/reference number).
• Social media (for general assistance only): X (Twitter) and Instagram: @MyFCMB; Facebook: https://www.facebook.com/MyFCMB. Use DMs for privacy; never disclose full PAN, PIN, or OTP.

For time-critical security issues like suspected fraud, card loss, or unauthorized transfers, calling the customer care number is still the fastest route to immediate action (e.g., blocking a card or placing a temporary hold). USSD via *329# can also help you secure your account quickly if you cannot reach a live agent immediately.

When to Call and What to Prepare

Call the customer care numbers immediately if you notice unfamiliar debits, your card or phone is lost or stolen, or you receive OTPs you did not request. Early reporting dramatically improves the chances of chargeback or containment, especially for card-not-present transactions (online) where reversal windows are tight.

Prepare the following before calling: your full name as on the account, account number, a government-issued ID within reach (you might be asked verification questions), the last 3–5 legitimate transactions, and full details of the issue (amounts, timestamps, merchant/location, device used). During the call, request and record your complaint reference number—it is essential for follow-up and escalation.

Addresses, Escalation Paths, and Compliance

FCMB Head Office (correspondence address): First City Plaza, 44 Marina, Lagos Island, Lagos, Nigeria. If you need to submit documents physically (e.g., indemnities) or by courier, confirm the exact receiving unit with the contact centre first to avoid delays. Many requests can now be concluded digitally via the app or secure email uploads after initiating a ticket through the contact page.

If your complaint is not resolved within the standard timelines communicated by FCMB (often within 3–5 business days for simple issues; up to 45 days for international card disputes under card scheme rules), follow up quoting your reference number. For unresolved matters after official timelines, use the complaint escalation instructions on https://www.fcmb.com/contact-us. If still unresolved, you may escalate to the Central Bank of Nigeria’s Consumer Protection channels via the CBN website consumer complaints section (see https://www.cbn.gov.ng and navigate to “Consumers”). Keep all correspondence, screenshots, and call reference IDs.

Security Checklist (Protect Yourself While Seeking Help)

FCMB agents will never ask for your full card PIN, full OTP, or complete card number (PAN). If anyone requests these, end the call and dial the official numbers listed above. Always type USSD codes yourself; do not click unknown links promising to “fix” your banking issues. When using social media, restrict details to your first name and a brief issue summary and move the conversation to secure, authenticated channels.

For account safety after a suspected compromise, change your mobile app password, remove unknown devices from your app login list, and request a temporary card block. Monitor your SMS/email alerts and request a mini-statement to confirm no lingering unauthorized activity. Then, ask for written confirmation of actions taken on your account.

Quick Timing and Cost Tips

To cut wait times, call outside peak hours (early mornings or evenings). If your network is unstable, use the international-format numbers even within Nigeria; some carriers route these more reliably. For simple tasks—balance, mini-statement, small transfers—USSD at *329# is often faster and cheaper than a long call, though the session fee (about ₦6.98) applies.

Finally, store these details in your phone’s contact list as “FCMB Customer Care” with both local and +234 formats. In urgent moments—like a lost card—seconds count, and having the number at your fingertips can prevent losses.