Individual Banking
Wednesday, May 23, 2018  


Welcome to FCMB Internet Banking
FCMB Online (Personal Version)

  • Telephone Banking
    • Telephone banking is a service provided by FCMB which allows its customers to perform some basic banking transactions over the telephone.

      Find Out More >>

  • How to Register
    • If you are not already registered for FCMB online, please click here and follow the instructions on the registration page.

  • Ways to Bank
  • Contact Us
    • First City Monument Bank Plc
      Primrose Towers,
      17A Tinubu Street,
      P.O. Box 9117,
      Lagos State, Nigeria
      Tel: +234 (0) 1 279 3030

  • Help and Support


    Your life has just got easier. Apply for online banking and start managing your accounts online from the comfort of your home, office or wherever you have access to internet connection.


    More and more people are discovering the benefits of online banking with more customers signing on daily.


    With Internet Banking, you can, enjoy the convenience of managing your finances quickly and easily at a time that suits you. You can bank safely and securely – at work, home or abroad.

    • Access to account from anywhere in the world.
    • Online real-time account monitoring facility.
    • Convenience of conducting banking transactions from comfort of home/office.
    • Easy Access to bank information and products.
    • Effective, cheaper and easier way for our customers to communicate with banks.
    • Allows 24/7 access to account.
    • Check your balance, monitor transactions and print your account statement.
    • Pay utility bills, transfer funds between your accounts and to other beneficiaries.
    • Request, confirm and stop cheques.
    • Change password and update your personal details.
    • Single view of ALL your FCMB accounts showing available balances including credit cards, loans and deposits accounts.
    • Transfer funds between your own and 3rd party accounts (within FCMB)
    • Interbank transfers – move money from one bank to another
    • Bills Payment – you can pay your DSTV bills and more
    • Request for Cheque book, drafts and ATM debit cards.


    Yes you can. You will be able to carry out a range of transactions online but you will still have to visit a branch for some transactions such as depositing cash and cheques.


    Transaction limit is pegged at a N500,000 per transaction while daily transfer limit is pegged at N1,000,000.


    • Account to self - No charge
    • Third party (intra-bank) - No charge
    • To beneficiary - No charge
    • Inter-bank - N100
    • DSTV - N100


    Steps to Register for FCMBOnline

    • Visit
    • Click on internet banking: individual
    • Click Register
    • Read and accept the terms and condition
    • Enter your Account details
    • Account Name
    • Mobile Number (as registered with the bank)
    • Email Address (as registered with the bank)
    • Select a New Login Name (your preferred name for logging in to FCMBOnline)
    • Select ATM card preference (Click Yes, if you have one, No if you don't)
    • If yes, enter your card PAN (19 digits number), if no, continue.
    • Click submit to register your form


    You will receive your login credentials immediately:– Your User ID to your phone, password to your registered email address. Use it to login, change your password and start carrying out your online transactions.


    FCMB Online banking is very secure and uses the latest encryption technique and fraud detections systems. The security of our service and of your accounts is absolutely our number one priority. The security features have been enhanced to ensure security while you enjoy the benefits of our online banking services. The safety and confidentiality of customers' personal information is our top priority. The security system makes use of the latest in technologies, standards, and business practices to guarantee customer security including:

    • 128 bit data encryption between your computer and internet banking system.
    • Keypad for PIN entry to guard against password cloning.
    • The use transaction code to complete a transaction.
    • Secret questions and answers.
    • User ID and Passcode.


    There are also additional steps that you can personally take to help ensure your accounts remain safe and secure:

    • Never share your sign-in details with anybody
    • Never respond to emails that ask you to supply your sign-in details. These are known as phishing emails and we would never email you asking you to supply your sign in details


    All your accounts are automatically added to your profile once customers are set up on the platform (including loan accounts Kindly contact the customer service unit of the bank if any of your account isn’t profiled on the platform.


    Yes you can. All accounts of each customer will be displayed. An example is where a customer has 2 current accounts and a savings account. Customers will be able to view all three accounts. The bank is currently reviewing online banking for business account holders. Customers will be advised in due course of latest developments.


    You can click on the transfer funds menu. “Click on account to self transfers” link. Select the account number to be debited and account to be credited and click the submit button.


    For further enquiries, please call our Contact Centre Consultants on 07003290000 or 01-2798800 between 8am-7pm on Mondays – Fridays. Email: This email address is being protected from spambots. You need JavaScript enabled to view it. .


    If you are already logged in (user can remember password) Customers can click on “get secret answer link”. A mail will be sent with one of user’s secret answers. User can then log in. Once user is logged on to the platform, he clicks on the home option menu and click on security questions. This will display all your security questions and users have the option of requesting for their secret answers or changing their secret questions. If you are not already logged in (user cannot remember log in password): kindly contact FCMB customer solutions for a reset of your account. Contact centre staff can be reached on 07003290000 or 01-2798800 between 8am-7pm on Mondays – Fridays.


    There are 2 scenarios to this:

    • Where wrong account details don’t exist: The transaction won’t go through as the system would not recognise the account number. The transaction would automatically be reversed.
    • Where wrong account details (belonging to another person) exist: This will be credited to the wrong recipient. Customers should report this immediately to the bank hoping the funds haven’t been withdrawn at the recipients’ bank. This would typically take longer to resolve as it involve a 3rd party bank and investigations would need to be carried out. Thus, customers are required to take great care when entering account details for inter-bank transfers.


    The virtual keyboard is like your regular keyboard. Once username is inputted and the tab button is tapped, the virtual keyboard displays. Users can click on characters on the keyboard to form. To access other special characters, users should click on the shift button.


    For users to make 3rd party payments and interbank transfers, they would require a transaction password. Users can retrieve their transaction passwords by clicking on the home option menu. Click on transaction password, answer the secret question and fill in your current transaction password. Fill in and confirm new transaction password. Click on change password.


    Customers should check their email box (spam and junk mail inclusive). Log-in details have been sent to the e-mail boxes of users who previously used the legacy application. Where customers still don’t find their log in detail, they should contact the bank. Once users are logged on, they are required to choose and answer their security questions before proceeding to use the platform.


    Under the manage request menu, click on the “block my ATM card” link. Please note that you would have to visit a nearby branch to be issued a new card. Card request can also be made via our internet banking platform or call the contact Centre on 012798800 to request for a card; alternatively, you can send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.


    Profiled customers should check their email (including spam/junk and bulk mails) for their log in details. Where customers still can’t locate their details, they should contact the bank.


    We've refreshed the design of our website – improving the appearance and making it easier and more interactive to use. Of course, you can still do all of the things you’ve done in the past and much more.


    • Improved navigation

      We've changed the way you navigate around the site to make it easier for you to find what you need. We have links on the left hand of pages - everything you need to do on the platform can be done from the menus on the left panes.

    • Cleaner, clearer page layouts

      Pages are less cluttered, with the text larger and clearer.

    • styling

      We've also updated the styling of all pages to make them bolder, clearer and more straightforward.

    • Security

      Your username (chosen by the user) is sent via sms while the password is sent via email. Also a transaction password is required to make 3rd party payments, interbank payments and utility payments. Also, you can block your ATM cards on the platform once stolen or misplaced, and hence, secure your money

    • Branch and ATM location

      Users can locate the branches and ATMs closest to them via the online banking platform.

    • Utilities

      Users can pay for DSTV via the online platform (other utilities to follow).

This site ensures that all information sent to us via the World Wide Web are encrypted. You can confirm the information provided by our certificate issuer by clicking on the padlock icon on your address bar.
2018 © First City Monument Bank Limited. A Member of FCMB Group Plc.