FCMB Customer Care Service Number: Expert, Up‑to‑Date Guide

First City Monument Bank (FCMB) operates a 24/7 Contact Centre for retail, SME, and corporate customers across Nigeria and abroad. If you need to report a lost card, dispute a transaction, reset channel access, or get help with accounts and loans, the official service numbers and channels below are your fastest routes to help.

The details here focus on the verified, mainstream ways customers reach FCMB and what to expect when you do. For security, never disclose your full card PIN or One‑Time Password (OTP) to anyone on a call or chat—FCMB will never ask for them.

The official FCMB customer care numbers and channels

FCMB runs multiple access points so you can reach support from within Nigeria and from overseas. Keep your account number and the last transaction amount/date handy to help the officer verify your identity quickly.

All calls to the main lines are routed to FCMB’s Contact Centre. Lines are generally available 24 hours a day, including weekends and public holidays. Network charges apply based on your telecom provider’s tariff.

• Primary customer care number (within Nigeria): 0700 329 0000
• Alternative landline (Lagos area): 01 279 8800
• From outside Nigeria: +234 700 329 0000 or +234 1 279 8800 (replace leading 0 with +234)
• USSD self‑service short code (all networks in Nigeria): *329#
• Official website: https://www.fcmb.com (Contact Us link in the footer for web chat, forms, and branch details)
• Official social handle for updates and DM support: @MyFCMB on Twitter/X, Facebook, and Instagram

When to call vs. when to use self‑service

Call the customer care number immediately to report a lost or stolen card, suspected fraud, unauthorized debits, or if you are locked out of digital channels. Phone support can place urgent restrictions on your account, trigger card hotlisting, and open case references while you’re on the line.

Use the USSD code *329# or the FCMB mobile/internet banking apps for everyday tasks that don’t require an agent: balance inquiry, transfers, airtime/data purchases, mini‑statements, basic card controls, and some PIN resets. Self‑service is usually faster for routine transactions and available even when you have limited data coverage.

Availability, response times, and call costs

FCMB’s Contact Centre is typically 24/7. Peak periods that may lead to longer wait times include weekdays from 8:00 to 10:30 a.m., 12:30 to 2:00 p.m., and 4:30 to 7:00 p.m., as well as salary payment cycles and month‑end. If your matter is not urgent, off‑peak calls (late evening or early morning) often connect faster.

Local call charges are set by your mobile network provider (prepaid/postpaid voice tariffs vary). International calls to +234 lines will be billed by your originating carrier at international rates. If you have reliable internet, consider initiating contact via the website’s Contact Us page to request a callback, which can help you control costs.

What to have ready before you call

To accelerate verification and resolution, prepare your 10‑digit FCMB account number, last successful transaction amount/date, and the last four digits of your BVN. For card issues, have the first six and last four digits of the card PAN. Do not share your full card number, full PIN, or any OTP.

If reporting a disputed transaction, note the exact amount, merchant name (as shown on your alert/statement), channel (POS, ATM, web), and the date/time. For digital banking lockouts, capture the exact error message and the app version if possible—this helps the agent triage the issue quickly.

Typical resolutions and timelines

Failed but debited ATM or POS transactions within Nigeria are commonly auto‑reversed within 24–72 hours, depending on the switch and merchant acquirer. If an auto‑reversal does not occur, the Contact Centre will raise a dispute; resolution for domestic transactions typically completes within 3–7 business days. International card disputes can take longer (often 30–45 working days) due to card‑scheme processes.

Card hotlisting is immediate once requested. New card issuance at your preferred branch usually takes 24–72 hours, depending on location and stock. Internet or mobile banking unlocks and password resets are often completed during the call after verification, while complex profile reviews may require up to 24 hours.

Security rules when speaking to FCMB

FCMB will verify you, but legitimate agents will never ask for sensitive credentials that grant account access. If any caller requests these, hang up and dial the official numbers listed above yourself. When in doubt, initiate contact only through the channels on fcmb.com.

• Never share: full card PAN, full card PIN, full OTP, full CVV, or mobile app password. FCMB will not ask for them.
• Confirm caller identity: if you receive an unsolicited call, end it and redial the official numbers (0700 329 0000 or +234 1 279 8800).
• Use device hygiene: update your FCMB app, avoid public Wi‑Fi for banking, and enable SIM‑swap alerts with your telecom provider.
• For urgent card block when you cannot call, use USSD *329# or the mobile app’s card controls if available.

Escalation and complaint handling

Always request and keep your case/ticket ID during a call or web submission. This ID helps you track progress and shortens follow‑up conversations. If a promised callback or resolution window lapses, reference the ticket ID when you call again or message @MyFCMB.

For unresolved issues beyond the initial timeframe communicated by the Contact Centre, ask for escalation to a supervisor or the Complaints Management Team. Provide supporting documents (e.g., charge slip, screenshots, or bank alerts). Complex disputes—especially cross‑border card transactions—may strictly follow card‑scheme timelines.

Helpful links and practical notes

Official website: https://www.fcmb.com. Use the Contact Us link to access the latest phone numbers, request forms, live chat (when available), and branch/ATM locators. If you are traveling, verify roaming access to call +234 numbers with your carrier beforehand.

USSD short code: *329# works on major Nigerian networks without mobile data. Social updates and support are available via @MyFCMB on Twitter/X, Facebook, and Instagram. Because rates, processes, and even phone routes can change, confirm any critical information on the official website if you have not contacted FCMB recently.