Imagine needing to send money quickly to a friend or family member with a different bank account in Nigeria, but you’re stuck without internet access. FCMB’s *329# USSD code makes it possible to complete transfers without needing a smartphone or data connection.

In this post, you’ll learn:

• How to use *329# to make bank transfers.
• Requirements for FCMB USSD transactions.
• Solutions to common USSD transfer issues.
• Transfer limits and charges involved.

FCMB Transfer Code (Quick Method)

*329*Amount*Account number# is the FCMB short USSD code to buy airtime for yourself.

Here is how to use it:

• Dial *329*Amount*Account number# on your phone (works with MTN, Glo, Airtel, or 9mobile).
• Select Bank name
• Enter your FCMB 4-digit PIN to confirm the transaction.
• Receive a transaction success message on your screen and SMS

For example, if you want to send ₦10000 for to a bank account in Nigeria, dial *329*10000*0123456789#. Then, select the bank name (Zenith, First Bank, GTB etc) and enter your PIN code. FCMB will automatically transfer the money to the account number.

This method is quick and effective, especially when you’re familiar with the code.

But, if you forget the quick method, dial *329# and follow the steps to complete your transfer funds explained in the next section.

How to Transfer Money from FCMB to Other Bank Accounts Using USSD Code

With FCMB’s *329# USSD code, transferring money to other bank accounts is quick and easy. Here’s a step-by-step guide to completing a successful transfer:

1. *Dial 329# on your mobile phone.
   • Make sure you’re using the phone number linked to your FCMB account.
2. Select “Transfer” from the menu (usually the third option).
   • Choose this option to initiate a bank transfer.
3. Choose “Account to Account” for bank account transfers.
   • Note: There is also an “Account to Wallet” option, which is used for mobile payment transfers.
4. Enter the Amount you wish to transfer.
   • Ensure you input the correct amount before proceeding.
5. Input the Recipient’s Account Number (10-digit NUBAN number).
   • Double-check the account number to avoid errors.
6. Select the Recipient’s Bank Name from the list provided.
   • If the desired bank isn’t on the first page, select “Next” to view more banks.
7. Enter your 4-digit PIN to confirm the transaction.
   • This PIN is your unique security code for FCMB USSD transactions.
8. Receive a Success Message on your screen and via SMS.
   • This message confirms that the transfer was successful.

By following these steps, you can easily transfer money from your FCMB account to other bank accounts within Nigeria using just your mobile phone

Read: FCMB USSD Code to transfer Money to FCMB Account

FCMB Transfer Code Requirements

Before using the FCMB USSD code to transfer money, ensure that you meet the following requirements:

1. Activate FCMB USSD Banking
   • Dial *329# and follow the prompts to activate USSD banking and create your unique 4-digit PIN.
2. Linked Mobile Number Registered with FCMB
   • Only the phone number registered to your FCMB account can initiate transfers.
3. Sufficient Funds in the Account
   • Ensure that your account balance can cover the transfer amount plus any applicable fees.
4. 4-digit PIN
   • This PIN is essential for confirming transactions. It’s a security feature that prevents unauthorized transfers.

Meeting these requirements will help ensure a smooth and secure transfer process

Troubleshooting Common Issues

If you experience issues while trying to transfer money using the FCMB USSD code, here are some common problems and solutions:

1. No Confirmation Message Received
   • Check your account balance to see if the funds were debited. If so, the transfer was likely successful. You can also contact FCMB customer support to confirm the transaction.
2. PIN-Related Issues
   • If you forget your 4-digit PIN, reset it by dialing *329# and following the prompts for PIN reset. Ensure that your phone number is registered with FCMB to avoid issues.
3. Incorrect Bank or Account Number Selected
   • Double-check all inputted details, especially the recipient’s account number and bank name. If an error occurs, cancel the process and start over to ensure the correct information.
4. Network Errors
   • Occasionally, network issues may interrupt the transaction process. Wait a few minutes and try again, or try using the USSD service at a different location.

These steps can help resolve most issues, ensuring your transfers go through smoothly and securely.

FCMB USSD Transfer Charges and Limits

Understanding the charges and transfer limits is important for a smooth USSD banking experience:

1. Transfer Charges
   • Network Fee: A small fee of approximately ₦10 is charged by the mobile network for each USSD transaction.
   • Bank Transfer Fees: FCMB charges a fee based on the transfer amount, starting from ₦10 and increasing with higher amounts. This fee is deducted from your account balance.
2. Daily Transfer Limit
   • The daily transfer limit for FCMB USSD transactions is ₦100,000. If you need a higher limit, dial *329# and navigate to the “Self Service” option to explore ways to increase your transfer cap.

Read: FCMB Code to Increase Transfer Limit

FAQs

Summary

FCMB’s USSD code, *329#, provides a simple, convenient way to transfer money to other bank accounts in Nigeria. This method requires no internet connection and is accessible from any mobile device. Here’s a quick recap of how it works:

• Steps to Transfer Money: Dial *329#, select the “Transfer” option, choose “Account to Account,” enter the transfer amount, account number, and bank name, then confirm with your 4-digit PIN.
• Requirements: An active FCMB account, linked mobile number, sufficient funds, and a 4-digit PIN.
• Charges and Limits: Network fees of ₦10 and variable bank transfer charges, with a daily limit of ₦100,000.

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