The Bank Verification Number (BVN) is an 11-digit number that connects your biometric data, such as your face and fingerprints, to all your bank accounts. The Central Bank of Nigeria (CBN) made it mandatory for all account holders to enhance security and prevent fraud. This system helps banks verify your identity and protect your accounts from unauthorized access.
Thanks to advancements in digital banking, you can easily open an account with First City Monument Bank (FCMB) online, even without a BVN. This flexibility allows you to start banking from anywhere in the world and enjoy several benefits, including:
Zero Minimum Operating Balance: You can open and maintain your account without needing to keep a minimum balance. This feature makes it accessible for everyone, regardless of their financial situation.
Free Mobile and Internet Banking: FCMB offers free and secure access to both mobile and internet banking services. This means you can manage your account, transfer funds, pay bills, and perform other banking activities conveniently from your phone or computer.
Global Usability of Debit Card: The debit card provided by FCMB can be used worldwide. Whether you are traveling or making international purchases online, your FCMB debit card ensures you have access to your funds wherever you are.
Competitive Interest Rates for Loans: If you ever need a loan, FCMB offers attractive and highly competitive interest rates. This makes it easier and more affordable to borrow money when you need it.
Requirements for opening FCMB account online without BVN
Before you start the process of opening an FCMB account online without a BVN, make sure you have the following documents ready:
- Scanned Copy of Your Passport Photograph
- A clear, recent photograph of yourself.
- Scanned Copy of Your Signature
- A clear image of your handwritten signature.
- For Minors (0 – 15 years)
- Scanned Copy of the Child’s Birth Certificate
- A clear image of the birth certificate to verify the child’s identity and age.
- Scanned Copy of the Child’s Passport Photograph
- A recent photograph of the child.
- Scanned Copy of the Child’s Birth Certificate
Once you have these documents prepared, you can proceed with the steps to open an FCMB account online without a BVN.
How to open FCMB account online without BVN
Opening an FCMB account online without a BVN is a straightforward process. Here are the steps to guide you through it:
- Open your browser and go to the FCMB website. From the menu, select “Account Opening.”
- Alternatively, you can directly access the account opening page by visiting this link.
- On the account opening page, you will see two options: “Personal Account” and “Business Account.”
- Click on “Open a Personal Account.” Note that opening a business account requires a BVN, so it is not applicable for this process.
- Click the “Get Started” button on the personal account opening page. This will take you to the online account opening request page.
- Complete the form with your personal information, including your full name, date of birth, gender, and contact information.
- Ensure all details marked with a red asterisk (*) are filled correctly. Incorrect information can cause verification issues later.
- At the bottom of the page, click the checkbox to agree to the terms and conditions.
- Click the “Continue” button. You will be redirected to a page where you need to provide additional details.
- Enter all required contact information accurately. If you entered your BVN on the previous page, some details like your full name, date of birth, and gender will be prefilled from your BVN data.
- Click on “Choose File” to upload your scanned passport photograph and signature. Accepted file formats are JPG, GIF, and PNG.
- Review all the entered details to ensure they are correct.
- Click “Done” to submit your application.
- After submitting your application, FCMB will review it. Once approved, your account number and account details will be sent to you.
If you have completed the application form but have not received your account number, contact the FCMB Contact Centre at 012798800. Alternatively, you can send an email to customerservice@fcmb.com for assistance.
By following these steps, you can easily open an FCMB account online without needing a BVN, enjoying the convenience and benefits offered by the bank.
Conclusion
You can open an FCMB account online and receive your account number instantly without needing a BVN. However, the account will not be fully operational until you provide your BVN. To enjoy all the benefits of banking services, visit the nearest bank branch to register for a BVN if you haven’t done so already. This step ensures your account is fully active and secure, allowing you to take full advantage of the banking services offered by FCMB.