How to Upgrade FCMB Bank Account Easily (Online & Offline)

First City Monument Bank (FCMB) is a full-service commercial bank headquartered in Lagos, Nigeria. Established in 1982, it is one of the leading financial institutions in the country and has a strong presence across various segments, including:

  • Personal Banking: Offering a range of products and services for individuals, including savings accounts, current accounts, loans, credit cards, investments, and more.
  • Business Banking: Providing solutions for small and medium-sized enterprises, including working capital loans, trade finance, and cash management services.
  • Corporate Banking: Catering to large corporations and institutions with customized solutions for investment banking, foreign exchange, and other complex financial needs.
  • Investment Banking: Offering advisory and underwriting services for mergers and acquisitions, capital raising, and other strategic transactions.
  • Asset Management: Managing various investment funds and portfolios for individuals and institutions.

FCMB is known for its innovative approach to banking and its commitment to providing customers with a convenient and efficient banking experience. It offers a wide range of digital channels, including mobile banking, online banking, and an ATM network, to allow customers to manage their finances easily and securely.

If you are wondering how to upgrade fcmb bank account easily online, this blog post will delve into all you need to get started.

How to Upgrade FCMB Bank Account Easily Online

Below is how to upgrade fcmb bank account easily online:

How to Upgrade FCMB Bank Account Easily Offline

Here's how to upgrade your FCMB account easily and efficiently online:

  • Log in to FCMB Mobile: Access your FCMB online banking platform using your login credentials.
  • Navigate to Account Upgrade: Locate the "Account Upgrade" section or option within the online interface. This may be found under "Account Management" or "Profile Settings."
  • Choose Your Preferred Account Tier: Compare the features and benefits of each available upgraded account tier to find the one that best suits your needs.
  • Meet the Eligibility Criteria: Review the eligibility requirements for the chosen account tier. These may include minimum balance requirements, income verification documents, or other specific criteria.
  • Upload Required Documents: Follow the prompts to upload any required documents electronically. These may include proof of income, identification documents, or other relevant paperwork.
  • Submit Your Upgrade Request: Once you've reviewed all the information and uploaded the necessary documents, click the "Submit Upgrade Request" button.
  • Wait for Confirmation: FCMB will review your request and verify the information provided. You will receive an email notification confirming the upgrade once approved.
  • Enjoy Your Upgraded Account:Start reaping the benefits of your upgraded account! You can now enjoy the enhanced transaction limits, exclusive services, and other perks associated with your new account tier.

How to Upgrade FCMB Bank Account Easily Offline

For those who prefer a more personalized approach, FCMB also offers the option to upgrade your account through a branch visit. 

Here's how:

  • Visit an FCMB Branch: Locate your nearest FCMB branch and visit during their operating hours.
  • Express Your Upgrade Desire: Inform a customer service representative that you wish to upgrade your account.
  • Discuss Account Options: Discuss the available upgraded account tiers and their features with the representative. They can help you choose the most suitable option based on your individual needs.
  • Provide Required Documents: Bring along any required documents, such as proof of income, identification documents, or other paperwork requested by the bank.
  • Complete the Upgrade Form: The bank representative will assist you in completing the necessary upgrade forms and verifying your information.
  • Submit Your Request: Once the forms are completed and verified, submit them to the bank representative for processing.
  • Receive Confirmation: You will receive an email or SMS notification confirming your account upgrade once approved.
  • Enjoy Your Upgraded Account: Just like the online method, you can now enjoy the enhanced features and benefits of your upgraded FCMB account.

Requirements to Upgrade FCMB Bank Account Easily (Online & Offline)

The requirements to upgrade your FCMB bank account can vary depending on the specific account tier you are aiming for. However, here are some general requirements you can expect:

  • Be an existing FCMB account holder: This means you already have an active account with FCMB.
  • Meet the minimum age requirement: The minimum age to open an account with FCMB is usually 18 years.
  • Have a valid means of identification: This can be a national ID card, international passport, driver's license, or any other government-issued ID.
  • Provide proof of address: This can be a utility bill (electricity, water, etc.), tenancy agreement, or any other document that confirms your residential address.
  • Complete and submit an account upgrade form: This form can be accessed online or obtained from an FCMB branch.
  • Minimum balance requirement: Some upgraded account tiers require you to maintain a minimum balance in your account.
  • Proof of income: This may be required for accounts with higher transaction limits or that offer exclusive services. This can be a payslip, bank statement, or any other document that verifies your income.
  • Tax Identification Number (TIN): This may be required for accounts that offer certain financial products or services.
  • Bank account statement: This may be required to verify your account activity and financial history.
  • Valid email address: You will need a valid email address to receive notifications and updates regarding your upgrade request.
  • Smartphone with internet access: You will need a smartphone with a stable internet connection to access the FCMB mobile app and complete the upgrade process.


How long does it take for my online upgrade request to be processed?

Processing time for online upgrade requests can vary depending on the complexity of your request and the volume of applications. FCMB typically aims to process online upgrade requests within 2-3 business days.

How do I know if my online upgrade request has been approved?

You will receive an email notification from FCMB confirming the approval or denial of your online upgrade request.

Can I upgrade my account at any FCMB branch?

Yes, you can upgrade your account at any FCMB branch. However, it is recommended to call the branch in advance to confirm their availability and operating hours.


Upgrading your FCMB account may be an easy and rewarding process, providing you with access to a multitude of benefits such as increased transaction limits, unique services, and interesting rewards programs. This blog post has covered all you need to know to get started.

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