How to Open FCMB Bank Account Without BVN in 2025

How to Open FCMB Bank Account Without BVN: Ever wondered if it’s possible to open an FCMB bank account without a BVN (Bank Verification Number)?

In this blog post, we’ll answer this common question – “How can you open an FCMB bank account without a BVN?” FCMB understands the unique needs of its customers and has adapted its processes to make banking more accessible. 

Whether you’re new to banking or considering switching to FCMB, read on to find out how you can begin your banking journey without the requirement for a BVN. We’ll provide you with step-by-step instructions to make the process hassle-free.

Check this: How to Unblock Your FCMB Bank Account and ATM Card

Importance of BVN (Bank Verification Number)

The BVN is a unique identification number linked to an individual’s biometric data, such as fingerprints and facial features. It serves as a security measure to verify the identity of bank customers and prevent fraud. While the BVN is a mandatory requirement for most banking transactions in Nigeria, there are exceptions and alternatives for those without BVNs.

Requirements for Opening FCMB Bank account Without BVN

To open FCMB Bank account without a BVN, you’ll need to meet specific requirements and follow a set of procedures. Here’s what you’ll typically need:

• You’ll need valid proof of identification, such as a National Identity Card, International Passport, or Driver’s License. These documents help establish your identity in the absence of a BVN.
• Proof of Address: Provide a utility bill, tenancy agreement, or any official document that confirms your residential address. This is a standard requirement for account opening.
• Recent Passport Photograph

Okay, now let’s move on to how you can open FCMB Bank account without BVN. 

How to Open FCMB Bank Account Without BVN

Once you’ve gathered the necessary documents and completed the account opening form, follow these steps to open FCMB Bank account without a BVN:

The code to open FCMB Bank Account without BVN is *329#.

• Dial *329#
• Follow the simple instructions. You will see the place where you can choose whether to use BVN or not.

Limitations of an Account Without BVN

It’s important to note that an account opened without a BVN may have certain limitations:

• Transaction Limits: Accounts without BVNs may have lower transaction limits compared to BVN-linked accounts. This means you might face restrictions on the amount you can withdraw or transfer.
• Limited Services: Some banking services and features may not be accessible to accounts without BVNs. For example, you may not be able to access online banking or use mobile banking apps.
• BVN Requirement in the Future: Banks in Nigeria are increasingly enforcing BVN requirements for various transactions. While you can open an account without a BVN, you may encounter limitations when it comes to more advanced banking services or transactions.

Obtaining a BVN Later

If you initially open FCMB Bank account without a BVN and later decide to obtain one, you can visit a designated BVN enrollment center to complete the registration process (e.g. Bank). Once you have a BVN, you can link it to your existing FCMB Bank account to access additional services and remove some limitations.

See this: How to check your FCMB account balance

Frequently Asked Questions

Does FCMB require BVN?

What do I require to open an Easy Account? No opening balance is required. No document and BVN is required. Transfer money to any FCMB Agent or agent.

How can I get my BVN number without going to bank?

If you are unable to visit a bank branch, another option is to use the BVN lookup tool provided by the Central Bank of Nigeria (CBN). This tool allows you to search for your BVN using your personal information, such as your first name, last name, and date of birth.

Is BVN required for account opening?

All account holders with Nigerian banks must have a BVN, foreigners inclusive. Thus, a foreigner is advised to visit any bank in Nigeria to obtain a BVN.

How to do mobile banking with FCMB?

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

Dynablog’s Conclusions

Opening an FCMB (First City Monument Bank) account without a BVN (Bank Verification Number) is still possible, but it requires specific steps and documentation. To explore this option, visit your nearest FCMB branch to learn about the requirements and procedures for setting up an account without a BVN, granting you access to the bank’s services without this verification.