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Frequently Asked Questions

What is Flexx App?

Flexx is an online application designed to fit mobile devices (smartphones) which enables you access your Flexx account online in real time and with convenience.

What can I do with the Flexx App?

You can open a Flexx Account, check your account balance and transfer funds to your other accounts and third party accounts within and outside FCMB. In addition, the App gives you access to pay bills in Nigeria for services from the comfort of your phone on the go. Such billers are – Electricity Distribution Companies, GSM Mobile operators, Internet Service Providers, DSTV, GOTV etc. The app also allows you to recharge your phone from any of the mobile network operators in Nigeria

How can I get the new FLEXX App?

The App can be downloaded from the following App stores: Apple store Google Play Windows Marketplace Blackberry Appworld *Please note however that you must be connected to your mobile data or a WIFI connection to enable you download the App.

This is my first time, how do I Register?

- Click on Sign up - Click on Register for Flexx Mobile and Click “I Agree” to accept Terms and Condition. - On the next page enter your Account Number, Mobile Number and Email. - Click the ‘confirm’ button to proceed to the next page. An Activation code will be sent to your registered phone number. - On the next page, enter the Activation code, your Account number, Preferred User name, Password, Confirm Password and Transaction Password, then click on Register to complete registration.

What happens if I don’t get an Authentication code?

Once you register, your account number will be sent to you within 24 hours

What do I need to register on the FLEXX App?

Account Number, Full Name, create a UserName, Mobile Number, Email and Authentication code which is sent to your registered phone number after the first authentication stage.

What do I require to open a Flexx Account?

You would require the following, which would also be needed for registration Signature Passport photograph (You can also take and upload a face selfie on the app) ID Card BVN (Optional at account opening stage)

As an FCMB customer, can I register to use the FLEXX App?

No, Only FCMB Flexx Account holders can register on the App.

What happens to my FLEXX App if I lose my device?

Please call our Contact Centre on 01-2798800; 070FCMBMYBANK or send an email to customerservice@fcmb.com to deactivate your profile.

What happens if I forget the Log in ID, Password or Transaction

Forgot Password? Please call our Contact Centre on 01-2798800; 070FCMBMYBANK or send an email to customerservice@fcmb.com

What happens if I change my mobile phone or mobile number?

Please call our Contact Centre on 01-2798800; 070FCMBMYBANK or send an email to customerservice@fcmb.com

What happens if I port my phone number?

Please call our Contact Centre on 01-2798800; 070FCMBMYBANK or send an email to customerservice@fcmb.com

What is the maximum single transfer that can be done at a time?

Currently, this is N50,000

What is the maximum cumulative balance I can have at a time?

Currently, this N400,000

What is the maximum transaction that can be done in a single day?

Currently, this is N100,000

What is the charge on the FLEXX App?

Interbank transfer N105 Intrabank transfer Nil Bills payment N105 Airtime recharges. The Flexx account is a savings account

What is Transaction Password?

This is used to complete transfer or payment instruction on your online app. Once obtained, this should be changed immediately and ensure you keep it secret.

Do I need to have an account with FCMB to enjoy the FLEXX App?

Yes, you need to have a FCMB Flexx account

Is FLEXX App secure?

Yes it is secure. First it is password protected, secondly transaction on your account is validated by Transaction Password which is known to only you. All these are in addition to other security which we have put in place back end.

Must I use the registered phone number on my device before I can use the FLEXX App?

No. you can download this app on any smartphone mobile device. Customers with multiple devices can download the app on any smartphone or mobile device. However note that your authentication code will be sent to the phone number you registered with the bank.

What are the benefits of FLEXX App?

Real time access to accounts Instant funds transfer to loved ones 24/7 transactions Easy location of the nearest FCMB branch

What other benefits does the FLEXX App have over the existing FCMBMobile Banking?

Ability to locate FCMB branches View all your accounts at a go Transfer money to any mobile phone number in Nigeria

Can I transfer funds from my FX Account?

This is not possible at present as Flexx account is Naira denominated only.

Will I receive SMS alert on transaction done on FLEXX App?

Yes, as long as you have subscribed to the bank SMS alert.

What happens when the youth becomes older than 25yrs?

Your Flexx account will be active till you are 30 years old. It will be migrated to a Classic savings account afterwards.

What happens when the third party cheque exceeds the tone of 20k?

This would go into the account, but account would be placed on PND (Post No Debit) pending the provision of a suitable reference, as customer would be advised.

Can I transfer funds from my FX Account?

This is not possible at present as Flexx account is Naira denominated only.

Will I receive SMS alert on transaction done on FLEXX App?

Yes, as long as you have subscribed to the bank SMS alert.

What happens when the youth becomes older than 25yrs?

Your Flexx account will be active till you are 30 years old. It will be migrated to a Classic savings account afterwards.

What happens when the third party cheque exceeds the tone of 20k?

This would go into the account, but account would be placed on PND (Post No Debit) pending the provision of a suitable reference, as customer would be advised.

Can the Flexx ATM card be used on every ATM machine?

Yes, it is a MasterCard which is internationally accepted on any ATM worldwide

Is the Flexx app currently available?

Yes it is

What residential address should be used in a situation when the students live in the hostel?

Customer can fill in Nigerian home address

Would there be issues if the fund in the account exceeds 400k?

No, account would only be automatically placed on PNC (Post No Credit), pending when it goes beyond 400k

Does Flexx account accommodate other youths who are not students?

Yes, it does

Does the lodgment of dividend warrant take immediate effect in the account or has to be up to 6 months before it can accept dividend warrant?

This take effect after the account opened (we now live in the age of e-dividends)

Is there a Debit card for Flexx account?

Yes, there is instant ATM CARD (MasterCard)

What is the interest rate earned on the account?

Current it is 3.3%, which is the prevailing interest rate

Are foreign students allowed to open the accounts?

Yes, but transactions and domiciliation would be in NAIRA

Can the Debit card be used for online transactions?

Yes, it can be used for online transactions

How can a 16 year old get BVN number?

There is no age restriction on this; Kindly visit the nearest FCMB branch to enroll for BVN

Can the account be opened for secondary schools students who are within the age bracket of 16 years and 25 years or are it only limited to Higher Institutions?

This can be opened for Secondary Schools student once they are 16 years and above

Is there any limit to the cash deposit lodgments per day?

They can deposit up to N50, 000 at a time and up to N400, 000 limit. No limit to daily deposit lodgement.