FCMB Enhances Mobile App to Reward Everyday Banking

First City Monument Bank (FCMB) has rolled out a range of new features on its mobile app, centering on a reward points system that transforms everyday transactions into tangible benefits for users.

With this update, FCMB shifts its focus from routine banking to value creation, giving customers a stronger incentive to engage, transact, and remain within its digital ecosystem.

At the heart of the upgrade is the Reward Points feature, which lets customers earn and redeem points on transactions made through the app. The more customers use the platform, the greater the value they unlock, linking daily banking activity directly to real‑life rewards.

In addition to the rewards, the enhanced app introduces a Regal Premium Lifestyle Subscription that provides access to curated lifestyle perks across travel, dining, and entertainment, along with a three‑month free transfer offer for new‑to‑bank customers.

Customers can now invest in mutual funds directly within the app, allowing them to grow wealth without navigating multiple platforms. This feature underscores FCMB’s commitment to empowering customers with accessible financial tools.

To improve the user experience, the app now includes “Chat with Temi,” an intelligent in‑app support feature that delivers instant assistance and faster issue resolution.

Speaking on the update, Oladipo Alabede, Divisional Head of Payments and Solutions, said: “At FCMB, we are constantly innovating to meet the evolving needs of our customers. These features are designed to provide convenience, reward loyalty, and empower our customers to do more with their finances, right from their mobile devices.”

Aligned with its financial inclusion strategy, FCMB has simplified the process of upgrading accounts from Tier 1 to Tier 2, enabling customers to access enhanced banking services without visiting a branch.

Additionally, the introduction of instant virtual card requests and activation ensures customers can immediately create and use secure digital cards for online transactions.

Adetunji Lamidi, Divisional Head of Personal Banking, highlighted the bank’s digital transformation journey: “These upgrades reflect our technology‑driven strategy to build a smarter, more intuitive banking platform. By integrating intelligent support systems like Temi and enabling instant services such as virtual card activation, we are redefining convenience and accessibility in banking.”

This comprehensive upgrade demonstrates FCMB’s ongoing commitment to innovation, customer focus, and digital excellence, positioning the mobile app as a one‑stop platform for seamless, rewarding, and future‑ready banking.

Customers are encouraged to update or download the FCMB Mobile App today from their app store to take advantage of these new features and gain full control of their financial journey.