Fidelity Bank USSD Code In Nigeria

Fidelity Bank is a full-fledged commercial bank operating in Nigeria, with over 7.2 million customers who are serviced across its 250 business offices and various other digital banking channels.

Focused on select niche corporate banking sectors as well as Micro Small and Medium Enterprises (MSMEs).

Fidelity Bank is rapidly implementing a digital based retail banking strategy which has resulted in exponential growth in savings deposits over the last 12 years, with over 57 percent customer enrollment on the Bank’s flagship mobile/internet banking products.

Quoted on the Nigerian Stock Exchange (NSE), Fidelity Bank Plc began operations in 1988 as a Merchant Bank. In 1999, it converted to Commercial Banking and then became a Universal Bank in February 2001. The current enlarged Fidelity Bank is a result of the merger with the former FSB International Bank Plc and Manny Bank Plc in 2005.

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How To Access Fidelity Bank USSD Code 

Getting Started with  Fidelity Bank USSD Code *770# Instant Banking.  Fidelity bank transfer code *770# is a value-added service that allows you to perform your banking transactions effortlessly. 

You can complete all transactions in just a few steps, once you have a Fidelity Bank account, you are already a step ahead. Just Dial *770# on your mobile phone and select Instant Banking to choose from the array of services available, and you are ready to go! It’s as simple as can be.

Features Of Fidelity Bank USSD Code

  • The service is available to Airtel,9mobil, GLO and MTN subscribers
  • The money is deducted directly from your FIDELITY account
  • Daily airtime top-up limit is N20,000 for recharge
  • Maximum funds transfer limit is N20,000 per transaction, with a cumulative transfer limit of N100,000 daily
  • Daily bills payment limit is N20,000
  • Dependent on full network signal from your telecom provider
  • Available 24 hours a day and 7 days a week

Benefits Of Fidelity Bank USSD Code:

  • Easy, simple, fast and convenient
  • Service available 24 hours a day and 7 days a week
  • Allows you select the accounts to be used where there are more than one.
  • Transaction process is less than 2

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The followings are the difference USSD Transfer Code and  functions:

How To Recharge Mobile Phone

For Self-Recharge: Dial *770*AMOUNT#

Example: From your phone, dial *770*1000# to recharge ?1,000 on your phone.

How To Recharge 3rd Party Phone Number

To recharge another phone,

 Dial *770*PHONE NUMBER*AMOUNT# Example: From your phone, dial *770*0812345679*1000# to recharge ?1,000 on another phone

How To Transfer Using *770#

To transfer funds, dial *770*ACCOUNT*AMOUNT# Example From your phone, dial *770*5050123456*10000# to transfer ?10,000. Follow the on-screen prompts and complete your transfer with your PIN or password.

*770# Cardless Withdrawal

Get Instant Cash From The ATM Without Your Card We know how frustrating it can be when you get to the ATM only to discover that you forgot your debit card at home. Don’t panic! With Cardless withdrawal, you can withdraw money from the ATM without using your debit card. It’s easy, seamless, and secure. To withdraw cash without using your debit card, dial *770*8*AMOUNT#

For example, dial *770*8*10000# using your phone, then follow the on-screen prompts.

 Create a one-time PIN (OTP) then enter your PIN to get a Paycode directly from your Fidelity account to withdraw cash. At the ATM, enter your Paycode, PIN, and Amount to get your cash, Voila!

*770# Pay Bills

Pay Your Bills At Your Convenience;

DStv, Swift 4G, NairaBet, LCC Toll, and Lots more!

For most of us, the thought of paying bills screams stress; traffic, queues, delays, etc. With *770# Instant Banking, you can forget all that. Paying your bills is now so easy and convenient. You don’t even need to have an internet connection to pay your bills!

How To Pay Bills Using *770#

To pay a bill, dial


Example: From your phone, dial *770*1099*41234567890*5500# to pay for a ?5500 DStv plan

Codes to dial in order to pay your bills are as follow:

21098DStv Box Office
51033Swift 4G Subscription (Swift 4G)
61022Enugu Electricity Distribution Company Postpaid (EEDC Postpaid)
71021Enugu Electricity Distribution Company Postpaid (EEDC Prepaid)
81044Ibadan Electricity Distribution Company (IBEDC Bills)
91013Kano Electricity Distribution Company Prepaid (KEDCO Prepaid)
101014Kano Electricity Distribution Company(KEDCO Postpaid)
111017Port Harcourt Electricity Distribution Company (PHED)
121015Benin Electricity Distribution Company (BEDC Postpaid Payments)
131011EKEDP Prepaid Payments (EKEDP Prepaid)
141012EKEDP Prepaid Payments (EKEDP Postpaid)
151066LCC toll payments
171068Lagos Toll Company (LTC)
181112 Pay Airtel bills

*770# SMS and Email Alerts

Choose SMS and Email Alerts You Want To Receive

You can now determine the different categories of emails and SMS you want to receive. You can either opt-in or opt-out from receiving emails or SMS.

How To Choose Alerts you want to receive:

You can now determine the different categories of emails and SMS you want to receive. You can either opt-in or opt-out from receiving emails or SMS.

To choose the type of alerts you want to get, dial *770*2#

How To Secure Your Account Using *770#

To block your accounts, dial *770*08012345678#

How To Block Card Using *770#

How To Block Your Card: To block your card, dial *770*911#

How To Update Your BVN *770#

To update your BVN, dial *770*02#

How To Check Your Balance Using *770#

Keep Track And Stay Up To Date With Every Activity On Your Account

Keeping track of your transactions is now easy. You can check your account balance on your mobile phone using the *770# Instant Banking platform.

Checking the balance on any of your accounts is now a breeze!

To know how much you have left in your account, just dial *770*0# and follow the on-screen prompts.

How To Change Your Pin Using *770#

Is your PIN compromised? Do you feel the need to change it? Or, do you, for security reasons, just want to reset it? Set your mind at ease! You can secure your Instant Banking Channel again, just follow these simple steps:

To change your PIN, dial *770*00#

Frequent Asked Questions (FAQs)

What is Online Banking?

Fidelity Online is our Internet Banking Service which allows 24/7 access to your account from the convenience of your home, office or anywhere in the world. All Bank account holders, individual and Corporate are eligible. To use this service, all you need is an internet-enabled device.

It is also available in mobile app stores for iOS and Android.

What type of transactions can I do on it?

Most of the transactions performed in the Banking hall can be easily carried out via Fidelity Online, offering a full suite of services to meet your personal and commercial banking needs.

These include:

•      Account balance Enquiry

•      Statement generation

•      Transfer between own accounts

•      Funds transfer to other accounts in Fidelity Bank (Intra Transfer)

•      Transfer to other bank accounts within Nigeria (Inter Transfer)

•      Buy airtime

•      Bills payments

•      Bulk payments e.g. salary and vendor payments

•      Credit card repayments

•      Self-limit modification

•      Save transfer/airtime/billers details for future

•      Foreign currency transfer.

•      Workflow management.

…and a lot more

How safe is Fidelity Online Banking?

Boasting of different levels of authorization that ensure your banking transactions and information remains private, the new Fidelity Online guarantees a secure online experience. 

The service utilizes your Username and password to provide secure access to your account supported by a second (and higher) level of authentication. Token response for transactions that require an extra level of security such as interbank funds transfers, Bill payments, etc.

There are also additional steps that you can personally take to help ensure your accounts remain safe and secure:

Never share your sign-in details with anybody

Never respond to emails that ask you to provide your sign-in details. These are known as phishing emails and we will never ask you to send your sign in details via email.

Can I add accounts to my Online Banking profile?

All your accounts are automatically added to your profile once customers are set up on the platform (including loan accounts). Kindly contact the customer service unit of the Bank if any of your account is not profiled on the platform.

What do I require to authorize my transactions?

Transaction PIN: This is a 4-Digit PIN for completing daily transaction up to N200,000 (applies to only Retail Customers).


Token : This is for customers who carry out larger amount of transaction (available in App or device)

What if I forget my Login details?

– You can use the ‘Forgot your password?’ link on the mobile app OR online banking home page Clicking on this link will have a new default password sent to your registered phone number/email address.

– If you forget your login username, please send an email to Trueserve our 24/7 Customer service at or call 0700 3433 5489, From Abroad: 0908 798 9069. You will be required to answer some security questions to ascertain your identity. You can also visit our nearest Bank branch.

How often can I change my Password?

You can change it as often as you want. However, we recommend that you change it periodically to prevent unauthorized access to your account.

If you are using a publicly accessed computer such as an Internet café or public library, your Password must be changed immediately.

For security reasons, you are advised to safeguard your Password.

Cannot access the Online Banking page?

Be sure you launched the correct URL: using a fast and reliable internet connection or from your mobile App. Log in and completing transactions may be very slow due to poor internet connection.

Your username or password is invalid-be sure of the password and username. If in doubt of Password, initiate a password reset by clicking on the Forgot password link.

How do I print my account statement?

– Logon to Online banking

– Click on ‘Account summary’

– Select the Account from the listed accounts.

– Select the search criterion from the Account Statement Criteria Field.

– Then download statement (Excel/PDF)

What do I do when I get these error messages when trying a transaction?

Insufficient funds – Please check the account you are transferring from and ensure that it sufficiently funded for the transaction.

Limit exceeded – You can increase your limit via self-service. Click on “Profile and Settings” then “Transaction Limits” and adjust within the approved CBN limit.

Transaction not allowed – Please contact Trueserve our 24/7 Customer service at or call 0700 3433 5489, From Abroad: 0908 798 9069. You can also visit our nearest Bank branch.

Beneficiary Bank not available – This error originates from the receiving bank, please check your account if debited, wait a few minutes for the transaction to be reversed.

How do I get a token?

For Token App: Download “Fidelity Token” from your mobile stores and activate using your Online Banking credentials (Available in Android and iPhones).

For Hard token device: Visit the nearest Fidelity Bank branch, it is available for immediate pickup.

What if I cannot remember my Token App PIN?

You can simply click the “Forgot PIN”. This will allow you setup the token app afresh using your Online Banking username, Password, secret Question and OTP. Verify your identity using your Debit Card or request for an exemption

What do I do when I lose my hard token?

You will need to apply for another token at the nearest branch.

What do I do when I get the following error messages?

“Invalid Token response”?

Be sure you entered correct token response. If error persist, contact to re-sync your token.

When I reset my password, I do not receive the email even when I am told it has been sent to me

Kindly contact Trueserve or the nearest Fidelity branch to update the email linked to your Online Banking account.

Failed authentication for user, Invalid response to a challenge

The Customer is entering a wrong answer to secret question. If not sure, customer should reset secret question using the “secret question” menu on Online Banking.

“Maximum authentication attempts exceeded, Account Locked”?

A wrong password/token response has been used. Chat IVY on WhatsApp 090 3000 0302 Contact Trueserve at or call 0700 3433 5489, From Abroad: 0908 798 9069. You will be required to answer some security questions to ascertain your identity. You can also visit our nearest Bank branch.

What if I have another question?

Contact our Trueserve on call 0700 3433 5489, From Abroad: 0908 798 9069. You may also send us e-mail at

We look forward to serving you!

In conclusion, fidelity bank USSD code (*770#) is a convenient and secure way to perform transactions on your Fidelity Bank account using your mobile phone. 

With the USSD code, you can perform various banking transactions such as checking your account balance, transferring money, buying airtime, and paying bills, among others. 

The USSD code is available 24/7 and can be used on any mobile phone, making it easy and accessible for Fidelity Bank customers to manage their finances on the go. 

Additionally, the USSD code is free to use, and there are no hidden charges or fees. 

Overall, Fidelity Bank USSD code is an excellent tool for Fidelity Bank customers who want to carry out transactions quickly and conveniently without having to visit a bank branch or use internet banking.

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