How To Use FCMB’s FlashMe Cash Payment System To Pay Bills

FlashMe Cash is First City Monument Bank’s (FCMB) mobile banking platform that provides customers with the much-desired convenience of banking on the go with the aid of mobile phones or internet anytime, anywhere.

With Flashme Cash app, FCMB’s customers can transfer funds to all mobile phone users in Nigeria, buy recharge cards, and pay their bills (e.g. DStv & GOtv) via any phone type.

You can use FlashMe Cash by simply registering and there are three ways to do so.

1. You can register by Visiting any branch of FCMB, fill a Flashme Cash form and submit a passport photograph, and any means of identification.

2. You can also register by visiting the Flashme Cash Website, click on “Create New Account” at the top of the page to fill in your details and subsequently visit a branch to complete the registration.

3. Thirdly, You can register via SMS using the format shown below and afterwards visit a branch to complete the registration.

Example:   Name John Bull
Address 5 Isaac John Street Ikeja Lagos

Send the above message to any of the following phone numbers: 08034552412, 08037799999, and 08036699999.

How To Use FlashMe Cash

flashme cash

After sign on, you can operate your Flashme Cash through any of the following channels:

1. Internet: Log on to with your username and password to carry out your transactions. Transactions available through the web include funds transfer, bills payment, recharge card purchase, balance enquiry, password change, bulk SMS, multiple payment, and e-auction.

2. Flash wallet: Flash wallet is a debit card attached to your Flashme Cash account to enhance your Flashme Cash experience with card payment services. You can use the card on all ATMs in Nigeria to withdraw cash from your mobile account, check your balance and carry out Quick teller transactions to pay for goods & services on POS or the internet. Flash wallet can be obtained instantly from all FCMB branches.

3. Mobile APP: Java-enabled phones can download FlashmeCash app from (Click on “Mobile App Download” at the top of the home page and input the required details) to download the App. Transactions available through the mobile app include funds transfer, bills payment, recharge card purchase, balance enquiry and password change.

flashme cash

Buying Airtime

To recharge your phone using Flashme Cash, just type the network, followed by the denomination, quantity, password and then send to any these phone numbers: 08034552412, 08037799999, and 08036699999.


Network Denomination Quantity Password
MTN 750 1 1234
Airtel 500 1 1234
GLO 500 1 1234
ETISALAT 500 1 1234
STA 500 1 1234

Sending Airtime To A Third Party

Type network<denomination>quantity> Phone number of the person you are sending the airtime to<Password> then send the message to any of the following phone numbers: 08034552412, 08037799999, and 08036699999

Example: MTN 750 1 08000000000 1234

Network Denomination Quantity Phone_No Password
MTN 750 1 08000000000 1234
Airtel 500 1 08000000000 1234
GLO 500 1 08000000000 1234
ETISALAT 500 1 08000000000 1234
STA 500 1 08000000000 1234

Paying For DSTV

Type Credit>DSTV>Decoder_No> <Amount> < Password>

Example: Credit DSTV 34567889765 5000 1234

Credit DSTV Decoder_No Amount Password
Credit DStv 34567889765 5000 1234
Credit GOtv 3456788976 5000 1234

Send the message to any of the following phone numbers: 08034552412, 08037799999, and 08036699999

Subscribing for DSTV, GOTV Bouquet Through Scratch Card

Send Recharge, DSTV/GOTV, Decoder_No, Scratch Card secret pin to the following phone numbers: 08034552412, 08037799999 and 08036699999.

Example: DSTV 34567889765 123456789123 or GOTV 3456788976 123456789123

DSTV Decoder_No Scratch_Card_secret_pin
DStv 34567889765 123456789123
GOtv 3456788976 123456789123

Sending Bulk SMS

1. List the phone numbers you want to send SMS to (in a column) in text or excel file format;

2. Save the file in a known or preferred destination on your computer system;

3. Log on to the Flashme Cash portal with your details;

4. Click on ACCOUNT;

5. Click on BULK SMS;

6. To UPLOAD files, Select “Upload” from the “Upload” radio button, Click on BROWSE or CHOOSE FILE and upload the phone number list already saved in text or excel format or select the “DIRECT INPUT” radio button to enter the phone numbers directly. Input the SENDER ID (Maximum of 11 characters);

7. Input the text message in the ‘Text Message’ field;


9. Click on PROCEED.

Also See: Remitta Payment System – What You Nedd To Know 

Making Bulk Payment

1. Prepare file in Excel format;

2. The file will have four (4) columns namely FULL NAME, PHONE NUMBER, and NARRATION AND AMOUNT. Please note that each phone number should start with the 234 code. E.g. 08030111222 will be 2348030111222;

3. Save the file in a known or preferred destination on your computer system;

4. Log on to the Flashme Cash portal with your details;

5. Click on ACCOUNT;


7. Go to FILE and click BROWSE to select and upload the file already saved on your computer system;


9. On the next screen, you will be required to confirm your transaction (Do you wish to proceed? then Click Ok.

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