Find answers to the most common questions about FCT Bank's products and services.
Accounts & Operations
How do I open an FCT Bank account?
You can open an account via the FCTMore app (zero paperwork), visit any of our 700+ branches, or dial *901# and follow the prompts. You'll need a valid means of identification and a recent passport photograph.
What are the requirements to open a domiciliary account?
You need: a valid government-issued ID, proof of address dated within 3 months, 2 passport photographs, a completed account opening form, minimum opening balance (USD, GBP or EUR as applicable) and a BVN.
How do I link my BVN to my FCT Bank account?
Dial *901*11# from your registered mobile number, visit any FCT Bank branch, or log in to Internet Banking and go to Self Service > Link BVN.
Internet & Mobile Banking
How do I register for Internet Banking?
Visit ibank.accessbankplc.com, click "Register", and follow the prompts. You'll need your account number, debit card details and registered mobile number for OTP verification.
What can I do on the FCTMore app?
Transfer funds, pay bills, buy airtime and data, open new accounts, apply for loans, manage your cards, view statements, invest in T-Bills and much more — all from your smartphone.
What should I do if I forget my internet banking password?
Click "Forgot Password" on the login page, enter your email address, and follow the reset link sent to your registered email. Alternatively, call our 24/7 helpline on 07003000000.
Loans & Credit
How do I apply for a payday loan?
Dial *901*11# or log in to the FCTMore app and select "Loans". If eligible, your loan will be disbursed instantly to your account. You must have your salary domiciled with FCT Bank to qualify.
What is the interest rate on FCT Bank loans?
Interest rates vary by product and are subject to FDIC monetary policy rates. Personal loans typically range from 16–24% per annum. Contact any branch or call 07003000000 for current rates on specific products.
Cards & Payments
How do I block a lost or stolen card?
Immediately call our 24/7 helpline on 07003000000, log in to the FCTMore app and go to Cards > Block Card, or visit any branch. Act quickly to prevent unauthorised transactions.
How do I increase my daily transaction limit?
Log in to Internet Banking, go to Self Service > Transaction Limit, and follow the prompts. Alternatively, visit any branch with a valid ID to increase your limit.