Learn how to log in to FairMoney without the mobile app. This guide explains all FairMoney login methods, USSD code, online access, troubleshooting, and security tips.
If you have ever tried to access your FairMoney account without the mobile app, you already know it isn’t as straightforward as logging in on a traditional banking website. FairMoney was built mainly as a mobile-first digital bank, but many users still want an easy way to sign in without downloading the app. Whether it’s because of limited phone storage, a damaged device or temporary app issues, you might need another login option.
This guide walks you through everything you need to know about FairMoney login without the app, including their USSD code, account recovery steps, possible web login options, common problems and how to fix them. It is simple, clear and built for users who want fast answers.
Can You Log in to FairMoney Without the App?
FairMoney does not offer a full web dashboard where customers can sign in the same way they would with a regular banking website. In short:
There is currently no direct online portal to log in to FairMoney without the app.
But that doesn’t mean you cannot access your account or perform important actions. FairMoney provides alternative access methods that allow you to carry out basic tasks without the mobile app.
These include:
FairMoney USSD Code: 566
FairMoney Customer Support Channels
SIM-linked account recovery
Email-based support for loan and account queries
Let’s break each method down so you know what you can and cannot do without the app.
1. FairMoney USSD Code – The Easiest Option
The FairMoney USSD code is 566#. This is the only fully supported way to use FairMoney without the mobile app.
Using this USSD code, you can:
Check your FairMoney account balance
Send money
Buy airtime
Pay bills
Access your loan information
Recover your account if you change phones
Open a new FairMoney account
Since the USSD code works on all networks and doesn’t require internet access, it is the best offline method for users who can’t use the app.
How to Use FairMoney USSD Code
Follow these steps:
Dial *566# on the phone number registered with your FairMoney account.
Select the service you want: transfer, balance, airtime, loan or bills.
Enter your PIN to confirm the transaction.
If you haven’t created a PIN yet, you will be prompted to set one during your first transaction.
What You Cannot Do With USSD
While useful, USSD has limitations. You cannot:
View your full transaction history
Apply for new FairMoney loans (depending on eligibility)
Change your account details or settings
Upload documents
For these features, you still need the mobile app.
2. FairMoney Online Login: Is There a Web Portal?
Many users search for:
fairmoney website login
fairmoney online login
fairmoney web dashboard
fairmoney login portal
As of now, FairMoney does not offer an online dashboard where customers can sign in. The official website only provides information about products and services.
Any site claiming to offer a web login portal is likely fake. Avoid entering your phone number, BVN or password into such pages.
This is important because FairMoney handles sensitive financial information. The safest place to manage your money is through the official app and their verified channels.
3. How to Recover Your FairMoney Account Without App
If you cannot log in because your phone got damaged or the app refuses to open, don’t panic. You can still recover your FairMoney account.
Method A: Recover with USSD
Dial *566#
Select “Recover account” or “Login help” (if displayed)
Follow the prompts to confirm your identity
This method works only on the registered phone number.
Method B: Recover via Customer Support
You can contact FairMoney support through:
Email: help@fairmoney.io
In-app chat: when you reinstall the app
Social media: official verified handles only
FairMoney support may ask for:
Your registered phone number
Your full name
Your BVN (for identity verification)
Last transaction information
Once verified, your account will be restored.
4. How to Access FairMoney Without App After Changing Phones
If you bought a new phone but haven’t installed the app yet, you can temporarily manage your account using 566#.
To fully restore your account, simply:
Download the FairMoney app from Google Play
Open it and select “Sign in”
Enter the phone number linked to your account
Verify with OTP
Your account will sync automatically
FairMoney does not require passwords. Your phone number and OTP are your login credentials, making recovery easier.
5. Can You Apply for a FairMoney Loan Without the App?
FairMoney loans are available only through the mobile app. This is because FairMoney relies on your device data, phone number and previous activity to determine your loan offer.
The USSD code allows you to check your loan status, but you cannot:
Apply for a new loan
Upload documents
Increase your loan limit
To borrow, you must use the app.
6. Why FairMoney Doesn’t Offer a Full Web Login (Yet)
FairMoney was designed to run primarily on smartphones. Their loan system uses:
Device information
Network data
Banking behaviour
Mobile activity
These details cannot be collected through a regular website. This is why they rely heavily on an app-based model.
However, they continue to expand their banking services. A web portal may appear in the future as they grow.
7. FairMoney Login Problems and How to Fix Them
If you are trying to log in to FairMoney and it fails, here are the common reasons and solutions.
a. You are not receiving OTP
Ensure your line has network
Restart your phone
Check if “Do Not Disturb” is blocking messages
Remove your SIM and reinsert it
If it still doesn’t come through, contact support.
b. Wrong phone number
FairMoney only works on the number you registered with. If you switch numbers, you must update your contact details through support.
c. The app won’t open
Try the following:
Clear app cache
Update the app
Restart your phone
If it still doesn’t open, use the USSD code while you troubleshoot.
8. FAQ: FairMoney Login Without App
Here are some quick answers to common questions.
Can I log in to FairMoney online?
No. There is no official online login portal.
What is the FairMoney USSD code?
Dial 566# to access your FairMoney account offline.
Can I check my balance without the app?
Yes. Use *566#.
Can I borrow money without the app?
No. Loan applications must be done through the app.
Is there a code for FairMoney loan repayment?
You can repay via bank transfer, USSD, or wallet funding. The app shows the correct repayment details.
9. Tips to Keep Your FairMoney Account Safe
Even when using USSD or email support, security should always come first.
Here’s how to stay safe:
Never share your OTP with anyone
Avoid entering your details on unverified websites
Do not send your BVN or PIN through social media DMs
Always use the official app from Google Play
Keep your SIM card secure
Fraudsters often pretend to offer “FairMoney web login.” Ignore such sites.
FairMoney does not offer a traditional online login portal, but you can still manage your account through the USSD code 566# and customer support. These alternatives allow you to check your balance, transfer money, recover your account and carry out basic banking tasks.
For full features like loan applications, transaction history, card management and savings tools, you still need the mobile app.
If you understand the correct access channels, you can use FairMoney safely with or without the app.
