First City Monument Bank (FCMB) has introduced a set of new features on its mobile app, led by what it calls the Reward Points system that turns everyday transactions into tangible benefits for customers.

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

At the centre of the upgrade is the Reward Points feature, which allows customers to earn and redeem points on transactions made in the app.

The more customers use the platform, the more value they unlock, creating a direct link between daily banking activity and real-life rewards.

Beyond the rewards, the enhanced app introduces Regal Premium Lifestyle Subscription that offers users access to curated lifestyle benefits across travel, dining and entertainment, plus a three-month free transfer for new-to-bank customers.

Customers can now access mutual fund investments directly within the app, helping them to grow wealth without multiple platforms.

The feature reinforces FCMB’s commitment to empowering customers with accessible financial tools.

To improve customer experience, the app now includes ‘Chat with Temi’, an intelligent in-app support feature that delivers instant assistance and quicker issue resolution.

Speaking on the update, Divisional Head, Payments and Solutions, Oladipo Alabede, 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.”

The Divisional Head, Personal Banking, Adetunji Lamidi, emphasised the bank’s digital transformation journey, saying: “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.”