With the FCMB Easy Account, you do not need to visit the bank or have data. Simply open a bank account with your phone number – no document required! This product answers the needs of everyone, particularly the unbanked segment in Nigeria

Features and Benefits

  • Your telephone number, without the first zero, is your account number.
  • The self-service, stress-free and secured FCMB Easy Account is available on all GSM networks in Nigeria
  • Can be operated from any location in Nigeria
  • Allows you to send and receive money to and from friends, families and business partners across all banks in Nigeria
  • Data is not required to operate the account
  • This account is not inferior to other bank accounts.

What do I require to open an Easy Account?

  • A mobile phone number

How to open an FCMB Easy Account

  • Dial *329#
  • Follow the simple instructions

No opening balance is required. No document and BVN is required.

How to pay money into your FCMB Easy account

  • Pay cash into your account at any FCMB branch or Agent Banking location
  • Transfer money from another Bank account
  • Select FCMB Easy Account from the list of Banks
  • Enter your phone number without the first zero, for instance 812345678

How to withdraw money from your account

  • Use your debit card at any ATM or POS
  • Withdraw cash from any FCMB branch
  • Transfer money to any FCMB Agent or agent. Receive the money from the agent.

Frequently Asked Questions

Q: How do I get my debit card?

A: You can pick up your debit card from any FCMB branch

Q: Is this account different from a regular Bank account?

A: No, it is not different. This is the same as your regular account and has same features.

Q: How do I withdraw and deposit money in my Easy account?

A: You can deposit and withdraw money from any branch, FCMB agent or any other agent just like your regular account. Also, withdrawals can be made from any ATM.

Q: Is this account approved by CBN?

A: Yes, it is approved by CBN

Q: Is it fully working as the normal account with debit card?

A: Yes, it is fully functional like a normal account with debit card.

Q: What are the features and benefits?

A: Benefits of this account include:

  • Receive and transfer money to/from any bank account in Nigeria.
  • Check balance.
  • Top up your mobile airtime
  • Buy data
  • Pay bills.

Q: Thinking of opening an account, however what package does your Bank have to offer to a starting SME like me?

A: This account is not for SMEs. It is a personal account.

Q: How do I know it is secure?

A: This account is operated with secured 4-digit pin and transaction password created while opening the account.  The pin which is only known to the account holder is required for every transaction on the account.

Q: Can I open a mobile app with this account?

A: No, it cannot be opened on mobile app, but the account is operated with *329# which has the functionalities of the mobile app.

Q: Is this account applicable to foreign numbers?

A: No, it is not applicable to foreign numbers

Q: How can I view my confirmed account details?

A: You can view your account details by dialing *329#

Q: Can I open a current account with the USSD code?

A: This is not available now. It will be communicated once implemented.

Q: What's the difference between an Easy account and the one opened in the Bank?

A: There is no difference in operation, however, the account number is your phone number

Q: What kind of transaction can be made with this account?

A: You can do the following transactions

  • Transfer
  • Buy airtime and data
  • Bill payment
  • Cash deposit and withdrawal

Q: Is there a transfer limit?

A: You can transfer a maximum of N20,000 per transaction and maximum of N300,000 per day.

Q: How much can I put in the account?

A: You can deposit up to N300,000 daily with single deposit limit of N50,000.

Q: Can I make transfers immediately after opening the account?

A: Yes, you can make transfers immediately after opening the account.

Q: I got an error message when I tried making transfer. What should I do?

A: Please read the error message to understand the issue and try again. If it persists, kindly call customer care on 01-2798800 or 07003290000.

Q: Is my phone number also my account number?

A: Yes, but without the first "0"