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See FCMB Bank Loan Requirements In Nigeria


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Are you, in need of financial help? FCMB Bank is willing to help you out. Keep tuned, to this post to know how to be eligible for an FCMB Bank loan even without collateral.

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Keep reading to know more about FCMB Bank USSD Loan Code, how to apply for FCMB Bank Loan, and the requirement needed for borrowing loans.

Requirement (Documents) Needed For Opening FCMB Bank Account

You will be required to upload some important documents and some personal details before you can open a FCMB Bank account.

  • Name (First Name -Middle Name – Last Name)
  • Date of birth (Day/Month/Year)
  • Citizenship
  • Contact phone number.
  • Occupation.
  • Mother’s maiden name.
  • Home address.
  • Email address.
  • Next of KINS
  • Residence status.
  • Passport.
  • Tax identification number.
  • Source of income (self-employed).

Let’s see, how to download the FCMB Bank app with your mobile phone in this tutorial guide.


To download the FCMB Bank app on your mobile phone, click on your Google Play store or app store; Using BANKING METHOD.

How To Open An FCMB Bank Account

  • On your mobile phone and click on Google Play store/App Store and Install the FCMB Bank Mobile App.
  • Then, click “Open” and log in.
  • Select “Country
  • Select language “English
  • Enter your (First, Middle, Last)Name, Marital status, and Gender (Male/Female).
  • (BVN) Do you have BVN – Yes/No.
  • Accept the “Terms and Conditions“.
  • Provide necessary information such as Date of birth, Email address, Phone Number, and enter ID type.
  • Enter a phone number that is activated.
  • Enter a “new pin” and confirm the new pin.

CONGRATULATION, you now have an active account with FCMB Bank. You can pay in money into the newly opened account.

When you are done with registration, you can now perform all these activities such as checking your account balance, loan, bill payments, buying data, buying airtime for others, buying airtime for yourself to any network (MTN, Airtel, Glo,9Mobile), transferring money to an account, transferring money to other bank accounts and so on.

Requirement (Documents) Needed For FCMB Bank Loan

You will be asked to provide your personal information details such as:

  • First Name
  • Last Name
  • Gender
  • Marital Status
  • Date of Birth (Month/Day/Year)
  • Email Address
  • Mobile Number
  • Residential Address
  • No of Dependents
  • Annual Income
  • You will be asked whether you are already a FCMB Bank Customer? or not
  • Bank Verification Number (BVN)
  • Account Number


  • Occupation/Business
  • Office Address


  • Loan/Credit Facility
  • Loan Amount
  • Payment Tenure
  • Loan Purpose


  • I agree to the Privacy Policy

Here Are The Terms And Conditions For Applying For FCMB Bank Loan

These are the terms and conditions, you must meet up to before you can be given a loan to apply for a loan from FCMB Bank. Follow the below terms and conditions such as:

  • You must have an active account on FCMB Bank for a minimum period of 3 months.
  • You must have a certain amount on your account.
  • Details of collateral offered (if any) and address.
  • You must download the FCMB Bank mobile app on your phone.
  • Valid means of identification (driving license, passport, voter’s card).
  • To pay back the money give you the exact time (Due date).

How to Borrow Money From FCMB Bank

These are steps to follow to get a loan from FCMB Bank: Turn on your internet, such as a PC or smartphone, and visit your Google Play Store to download the FCMB Bank App.

Log in” to your FCMB Bank account.
Scroll down to choose the “Loan” option.

As a new user, complete the loan form by entering your full (FIRST, MIDDLE, AND LAST) name, phone number, and home address.

Then, enter the loan amount you want to borrow.
Check your information to know if it is correct and click on “Submit“.
Accept their “Terms and Conditions” before submitting and you will be notified.

How To Be Eligible For FCMB Bank Loan

  • You must have an account operational in FCMBBank for at least 6 months.
  • You must be linked to a valid BVN.
  • You must have correctly updated phone numbers.
  • You must have a positive credit record with Credit Bureaus.
  • Minimum Loan Amount: N1,000 (One Thousand Naira)



The easy way to perform any FCMB Bank transactions on your phone is by using FCMB Bank USSD code *329# is used for accessing FCMB Bank loans, transferring funds, checking account balances, paying bills, and buying airtime.


In a tabular form, we are going to state the activities you can perform while using the KEYSTONE BANK USSD CODE.

Open Account*329#
Airtime Top Up for Self*329*Amount#
Airtime Top Up for Others*329*Amount*Phone number#
Transfer to FCMB/Other Banks*329*Amount*Account number#
Check Balance*329*00#
Data Purchase*329*1*Phone Number#
Pay Cable Bill*329*2*Amount*Smartcard Number#
Pay Electricity Bill*329*3*Amount*AccountID#
Account Statement*329# > Statement
Hotlist ATM Card*329# > Self Service
Retrieve BVN*565*0#

Here are the three requirements needed to activate the FCMB Bank USSD code, you must have the following:

  • A FCMB Bank account
  • A phone number linked to your FCMB Bank account for receiving an alert
  • A debit card and any mobile phone.

Opening An Account With The Use Of The USSD Code

  • On your phone (keypad dialer), dial *329# and send the code.
  • From the displayed menu Choose “1” open an account.


  • Enter your name and phone number.
  • Choose the type of account.
  • You can either choose to open your account with or without BVN but remember, you will be limited to some things when you do not open your account with BVN.
  • Select your preferred debit card from the list
  • Enter the 4-digit Personal Identification Number (PIN) for the selected debit card
  • Create a new 5-digit PIN that will be used to confirm and authenticate your transactions, and you have successfully opened a FCMB Bank account on your phone.

How To Loan Using FCMB Bank USSD Code

Here are the steps to follow, when you want to use the FCMB Bank USSD code for a loan.

But have this in mind before you can follow these steps, you must have an active account with FCMB Bank and also use a mobile phone that has the registered number SIM.

Note: Using these steps, you don’t need a network connection on your PC or smartphone.

  • On your phone (keypad dialer), dial  *329*11# and send the code.
  • From the displayed menu Click on Consumer Loan.
  • Click on Salary plus top up.
  • Then, fill in other requirements needed and accept the terms and conditions.
  • Select the account number with which you want to apply for the loan
  • Enter the amount you want to loan.
  • Enter a 4-digit pin to confirm your transaction.

Once, it is approved, a notification will be sent to your phone that your account has been credited (successful transaction) has been done.

How To Loan Using MOBILE APP.

  • Log on to FCMBOnline.
  • Click on “Consumer Loan“.
  • Click on Salary plus top up.
  • Select Current “account number“.
  • Then, fill in other requirements needed and accept the terms and conditions.
  • Confirm loan amount.
  • Enter a 4-digit pin to confirm your transaction.

Once, it is approved, a notification will be sent to your phone that your account has been credited (successful transaction) has been done.



FCMB Bank Customer Care

If you in any way have difficulties in how to loan using the FCMB Bank online banking app or FCMB Bank USSD code, you can contact the FCMB Bank customer agent for assistance.

You can first contact on

0700 329 0000 or 01-279 8800

Visit the FCMB Bank email address: [email protected].

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