First City Monument Bank (FCMB) Customer Care Number — Complete, Practical Guide

Official FCMB Customer Care Numbers and Availability

FCMB operates a 24/7 Contact Centre for account support, card queries, transaction disputes, and digital banking assistance. The main customer care line is a Lagos landline that can be dialed domestically or from abroad. An alternative nationwide line is also provided for callers within Nigeria.

Call costs are charged by your network provider at standard rates. Have your account details ready before you call (see the next section for what to prepare). For the latest confirmation of contact details, you can also visit the official page at https://www.fcmb.com/contact-us.

• Nigeria (main line): 01 279 8800
• International format: +234 1 279 8800
• Alternative line (Nigeria): 0700 329 0000
• USSD self-service (Nigeria): *329# (works on any mobile network for registered numbers)
• Website (contact & live chat): https://www.fcmb.com/contact-us

What to Prepare Before You Call

To protect your account, FCMB contact centre agents will verify your identity. Be ready to provide your full name as it appears on the account, your 10-digit NUBAN account number, the phone number linked to your account, and answers to standard security questions (for example, date of birth or the last known transaction amount/date). Keep your debit card handy if the query is card-related, but do not share your full card PAN, CVV, or OTP with anyone.

If you’re calling about a specific transaction, note the date/time, amount, channel (POS, web, ATM, transfer), and any reference/merchant ID shown on your receipt or app. For failed transfers, have the beneficiary bank name and account number. Providing exact details significantly speeds up resolution and reduces back-and-forth.

Self‑Service and Digital Support Options

For many everyday tasks, you don’t need to wait on the phone. FCMB’s USSD service at *329# works on feature phones and smartphones without data. After dialing, follow the on‑screen menu to check balances, transfer funds, buy airtime/data, pay bills, and open basic accounts. To use USSD, ensure your mobile number is linked to your FCMB account; registration prompts appear automatically if you haven’t used it before.

If you have the FCMB Mobile App or use FCMBOnline (Internet Banking), you can perform card controls (such as temporarily turning a card on/off), check statements, raise a dispute, and chat with support. For non-urgent inquiries or document uploads, use the contact form or live chat at https://www.fcmb.com/contact-us. Digital channels are typically fastest outside peak call times (8:00–11:00 and 16:00–20:00 WAT).

• Quick tasks via *329#: balance inquiry, mini-statement, intra/inter-bank transfers, airtime/data purchase, bill payments, and PIN resets.
• FCMB Mobile App/Online: card freeze/unfreeze, card limit changes, statement downloads (PDF), dispute initiation, and secure in‑app chat.

Emergencies: Lost Card, Fraud, and Failed Transfers

If your card is lost, stolen, or you notice unauthorized transactions, act immediately. The fastest first step is to freeze or deactivate the card from the FCMB Mobile App. If you cannot access the app, call the customer care line at 01 279 8800 or +234 1 279 8800 (from abroad) to request an instant block. Never share OTPs or full card details over the phone; FCMB staff will not ask for them.

For failed or reversed electronic transfers (NIP), many cases auto‑resolve within minutes to 24 hours. If funds are not reversed within 24 hours, contact FCMB with the exact transaction reference. Typical resolution timelines are: local NIP disputes up to 1–5 business days depending on counterparty bank; local card/POS disputes 5–15 business days; international card disputes can take up to 45 business days due to scheme investigation cycles. Always capture screenshots/receipts to support your claim.

For web purchases where the merchant has not delivered, first contact the merchant with your order/transaction reference. If unresolved, raise a dispute through the app or with an agent by phone. Time limits apply to chargebacks; report card disputes as soon as possible, ideally within a few days of the transaction posting.

Physical Address and In‑Branch Support

You can visit any FCMB branch nationwide for KYC updates, card pickup, complex account maintenance, and notarized requests. Standard banking hall hours in Nigeria are typically Monday to Friday, 8:00 to 16:00 WAT (some locations may open earlier or close later for specific services). Bring a valid ID and proof of address for profile updates.

Head Office (for correspondence and escalations, not general walk‑in banking): First City Monument Bank, First City Plaza, 44 Marina, Lagos Island, Lagos, Nigeria. For directions, service updates, and the nearest branch/ATM locator, use https://www.fcmb.com.

Practical Tips to Reach a Live Agent Faster

Call during off‑peak hours (before 8:00 or after 20:00 WAT on weekdays, or weekends) to reduce wait times. When the IVR starts, have your account number ready and choose the menu closest to your issue (cards, transfers, online banking) to route you directly to a specialized team. If the queue is long, try the alternate line (0700 329 0000) or switch to live chat on the website for quicker text-based assistance.

Keep a pen and paper (or notes app) handy to record your case/ticket number, the agent’s name, and promised turnaround time. If you need to follow up, provide that ticket number—this shortens verification and ensures continuity across agents and channels.

What is FCMB customer care WhatsApp number?

For more information, call our Contact Centre Numbers: 02012798800 & 07003290000. WhatsApp Number: +234 909 999 9814 & +234 909 999 9815.

How do I connect to FCMB?

Have you downloaded the FCMB Mobile and haven’t enrolled?

1. Launch the App.
2. Click “Signup”
3. Click “I have an FCMB Account” and type your account number.
4. Validate your account with your card details or an OTP.
5. Create your Login Password and Transaction PIN.

What is another name for First City Monument Bank?

First City Merchant Bank
In 2001, the name of the bank was changed from First City Merchant Bank to First City Monument Bank Limited following the bank’s transformation to a universal bank.

How to check balance on FCMB bank account?

Dial *329*Amount*Mobile number# to top-up other mobile phones. Dial *329*Amount*Account number# to transfer funds. Dial *329*00# to check balance. Dial *329*0# to reset PIN or reset/create transaction code.