Fidelity Bank Airtime Code to Buy Airtime

Fidelity Bank airtime code is *770*Amount#. Dial it from the phone number registered with your Fidelity Bank account to buy airtime for yourself.

To buy airtime for another person, dial *770*Phone number*Amount# and confirm the transaction with your Fidelity Instant Banking PIN.

For example:

• Dial *770*1000# to recharge ₦1,000 on your registered phone number.
• Dial *770*08021234567*1000# to send ₦1,000 airtime to 08021234567.

The order matters when recharging another line. Enter the recipient’s phone number before the amount.

Fidelity Bank Airtime Codes

These formats come from Fidelity Bank’s official My 770 page. The service works through USSD, so you do not need mobile data, Wi-Fi or the Fidelity banking app.

What Is the Fidelity Bank Code for Airtime?

The Fidelity Bank code for airtime is:

*770*Amount#

This short format recharges only the phone number attached to your Fidelity Bank account. The bank deducts the airtime value directly from the selected account.

For a different phone number, use:

*770*Phone number*Amount#

The third-party format normally requires your Instant Banking PIN because an incorrect or unauthorised request would send value to a different line.

Requirements for Buying Airtime with Fidelity Bank

Before using the code, make sure that:

• You have an eligible Fidelity Bank account.
• Fidelity Instant Banking is activated on your line.
• You are using the phone number registered with the account.
• Your account has enough money for the airtime purchase.
• The phone has a working MTN, Airtel, Glo or 9mobile signal.
• You know your Instant Banking PIN for third-party recharges.
• The SIM has sufficient airtime for any mobile-network USSD session fee.

Fidelity Bank says *770# works on MTN, Airtel, Glo and 9mobile. The service does not require a smartphone.

How to Activate the Fidelity Bank Airtime Code

The airtime code is part of Fidelity Bank’s *770# Instant Banking service. To register:

1. Insert the SIM linked to your Fidelity Bank account into your phone.
2. Dial *770#.
3. Select Instant Banking or the registration option shown.
4. Enter your Fidelity Bank account number.
5. Provide the debit-card or identity details requested for verification.
6. Create and confirm a secure transaction PIN.
7. Wait for a successful registration message.

Menu wording can change, so follow the prompts displayed on your phone instead of choosing an option number remembered from an old article.

Your PIN protects third-party airtime purchases and other transactions. Do not use an obvious combination such as 1234, your birth year or repeated digits.

How to Buy Airtime for Yourself

To recharge the phone number registered with Fidelity Bank:

1. Open your phone’s dialler.
2. Enter *770*Amount#.
3. Press the call button using the registered SIM.
4. Select the account to debit if more than one account is linked.
5. Review the confirmation message.

For example, dial:

*770*500#

This purchases ₦500 airtime for the registered line.

Do not add the phone number when recharging yourself. The short code automatically identifies the line from which you dialled.

Self-recharge may be processed without asking for the full transaction PIN because the airtime goes to the phone number attached to the account. Keep the phone and SIM secure, as anyone holding an unlocked device may be able to initiate the purchase.

How to Buy Airtime for Another Number

To recharge a family member, friend or another personal line, dial:

*770*Phone number*Amount#

For example:

*770*08021234567*2000#

Then:

1. Confirm the recipient’s phone number.
2. Check the airtime amount.
3. Select the account to debit if requested.
4. Enter your Fidelity Instant Banking PIN.
5. Save the successful transaction message.

The phone number comes before the amount. Enter the complete 11-digit Nigerian number without spaces or the +234 country format unless the current prompt specifically requests it.

Check every digit before entering your PIN. Airtime delivered to a valid but incorrect number can be difficult or impossible to recover.

How to Buy Airtime Through the *770# Menu

You can use the main menu when you cannot remember the direct code:

1. Dial *770#.
2. Select Instant Banking.
3. Choose Airtime or Recharge.
4. Select Self or Third Party.
5. Enter the amount.
6. Provide the recipient’s number when buying for someone else.
7. Confirm with your PIN where required.

The number assigned to each menu option may change. Read the description shown on your phone rather than selecting an option from memory.

The direct code is faster, while the menu can be easier for a first-time user. Both methods deduct the purchase from the Fidelity Bank account attached to the service.

Fidelity Bank Airtime Limit

Fidelity Bank’s My 770 page states that the airtime purchase limit has been increased from ₦5,000 to ₦20,000.

The page contains two descriptions of the limit:

• Its main features section describes ₦20,000 as the daily airtime top-up limit.
• Its airtime section mentions a ₦20,000 single-transaction limit and a ₦100,000 daily limit.

Because those statements conflict, the safest interpretation is to treat ₦20,000 as the maximum daily amount unless the current USSD prompt or Fidelity Bank support confirms a higher limit for your account.

Do not repeatedly split a larger airtime purchase into smaller requests merely to bypass a displayed restriction. A limit may exist to protect the account from unauthorised recharges.

Does Fidelity Bank Charge for Airtime Purchases?

Fidelity Bank’s current My 770 service-charge table does not list a separate bank fee for airtime purchases. This generally means the account is debited for the airtime value shown during the transaction.

However, your mobile network may charge an access fee for the USSD session. Fees and policies can change, so read any confirmation shown before completing the request.

If your account is debited by more than the airtime amount, check the transaction history to determine whether the difference is a network charge, another transaction or a separate account fee.

Can I Buy Airtime Without Internet?

Yes. The Fidelity Bank airtime code does not need mobile data or Wi-Fi. It works through your mobile network on a basic phone or smartphone.

You still need a working cellular signal. Poor coverage, an expired session or a temporary service outage can prevent the request from completing.

Buying airtime through USSD can therefore be useful when you have no data bundle, but the SIM may still need a small existing airtime balance if your network charges for access to banking short codes.

Can I Buy Airtime Without an ATM Card?

Yes, after Fidelity Instant Banking has been successfully activated. You do not need to insert or present a debit card each time you recharge.

A debit card may be required when first registering for *770# or completing a security reset. The airtime purchase itself is authorised through the registered phone and, for third-party purchases, the Instant Banking PIN.

If your card has expired but *770# remains active, the airtime code may continue to work. Contact Fidelity Bank if the service asks for card verification you cannot complete.

How to Check Your Balance Before Buying Airtime

Dial:

*770*0#

Follow the prompts and enter your PIN when requested. Fidelity Bank currently lists a ₦20 charge for balance enquiries, and a mobile-network USSD fee may apply separately.

Your available balance must cover the full airtime value. If the balance is lower than the requested amount, the purchase should be declined.

For the complete transfer, bill-payment, loan, cardless withdrawal and security commands, see the complete Fidelity Bank code list.

Can I Buy Data with the Fidelity Bank Airtime Code?

The direct self-recharge and third-party codes purchase airtime, not a mobile data bundle. Crediting airtime does not automatically activate a data plan unless the recipient’s network has an existing auto-renewal or airtime-to-data arrangement.

To buy data, check the options currently available under *770#, use the mobile network’s official data code or purchase through Fidelity’s banking app where supported.

Confirm the bundle, volume, price and validity before paying. Do not assume that a recharge described by a seller as “data airtime” will activate the intended plan.

Why the Fidelity Bank Airtime Code Is Not Working

You are dialling from the wrong SIM

The airtime code must be used from the phone number registered with your Fidelity Bank account. On a dual-SIM phone, select the correct line.

Instant Banking is not activated

Dial *770# and complete registration before attempting a direct airtime code.

The code format is wrong

For self-recharge, use *770*Amount#. For another number, use *770*Phone number*Amount#.

The phone number is incorrect

Enter the complete 11-digit recipient number without spaces. Check whether a copied number contains an extra character.

Your balance is insufficient

The account must contain at least the requested airtime amount. Pending transactions may reduce the available balance.

The amount exceeds the limit

Fidelity Bank currently presents ₦20,000 as an airtime limit on its official page. A larger request may be declined.

Your PIN is incorrect

Third-party airtime purchases require authentication. Stop guessing after an unsuccessful attempt and use Fidelity Bank’s approved PIN-recovery process.

The USSD session timed out

USSD sessions remain open for a limited period. Try again with a stronger signal and respond promptly to each prompt.

Fidelity Bank or the mobile network is unavailable

Wait briefly or use the Fidelity banking app or another approved recharge method.

What to Do If You Are Debited but Airtime Is Not Received

First, confirm that the account was actually debited. Check your transaction history and look for a successful purchase reference.

Then:

1. Restart the recipient’s phone or briefly enable and disable aeroplane mode.
2. Check the network’s airtime balance directly.
3. Confirm that the correct phone number was used.
4. Save the transaction date, time, amount and reference.
5. Avoid repeating the purchase until its status is clear.
6. Contact Fidelity Bank if the debit is not reversed and the airtime remains missing.

An SMS alert can be delayed even after airtime has been credited, so use the mobile network’s balance code rather than relying only on notifications.

The issue may involve Fidelity Bank, the mobile network or the payment switch. Providing complete transaction details will help the appropriate provider investigate.

What to Do If Airtime Is Sent to the Wrong Number

Contact Fidelity Bank and the recipient’s mobile network immediately. Provide the transaction reference, incorrect number, intended number, amount and time of purchase.

Recovery is not guaranteed because airtime is usually delivered instantly and may already have been used or transferred. Banks cannot simply remove value from another person’s phone without following the relevant process.

Prevention is the best protection. Read the third-party phone number twice before entering your PIN, particularly when buying a large amount.

How to Change Your Fidelity Bank Airtime PIN

The airtime service uses your Fidelity Instant Banking PIN for authenticated transactions. To change a known PIN, dial:

*770*00#

Follow the verification prompts and create a new PIN. If you have forgotten it, dial *770#, select Forgot PIN and complete the recovery process.

Do not ask another person to set the PIN for you. Fidelity Bank staff, POS agents and telecom representatives do not need the complete PIN to resolve an airtime complaint.

How to Protect Your Account from Unauthorised Airtime Purchases

• Lock your phone with a secure PIN, password or biometric method.
• Enable a SIM PIN.
• Keep the Fidelity Instant Banking PIN private.
• Do not leave the registered phone unlocked with another person.
• Check debit alerts and statements regularly.
• Change the PIN if another person may have seen it.
• Disable USSD banking quickly when the phone or SIM is missing.

If the registered phone is lost, dial the following from another phone:

*770*911*Registered phone number#

For example:

*770*911*08021234567#

Then contact Fidelity Bank and recover the SIM through your mobile operator.

Fidelity Bank Customer Care

Fidelity Bank currently publishes these support contacts:

• Telephone: 0700 343 35489
• Telephone: 0201 461 1119
• Telephone: 0201 448 5252
• From abroad: 0908 798 9069
• WhatsApp: 0903 000 5252
• Email: trueserve@fidelitybank.ng

Confirm the information on the official Fidelity Bank contact page before sharing account details.

Never disclose your USSD PIN, debit-card PIN, CVV, password or one-time password. A support representative can investigate an airtime purchase without asking for those secret credentials.

You might like to read:

• Fidelity Bank Code: Complete *770# Code List
• Fidelity Bank Transfer Code to Send Money
• UBA USSD Transfer Code (*919#): How to Transfer Money to Any Bank
• Union Bank USSD Code: Complete *826# Code List

Frequently Asked Questions

What is the Fidelity Bank airtime code?

Dial *770*Amount# to recharge your registered phone number. For another number, dial *770*Phone number*Amount#.

How do I buy airtime for myself from Fidelity Bank?

Dial *770*Amount# from the phone number attached to your Fidelity Bank account. For example, *770*1000# purchases ₦1,000 airtime.

How do I recharge another number?

Dial *770*Phone number*Amount# and confirm with your Instant Banking PIN. Check the recipient’s number carefully before authorising.

Can I use the Fidelity Bank recharge code without data?

Yes. It does not require mobile data or Wi-Fi, but it needs a cellular signal and may attract a mobile-network USSD fee.

Can I use the code from an unregistered phone number?

No. The code must be dialled from the mobile number registered with your Fidelity Bank account.

What is the Fidelity Bank airtime limit?

Fidelity Bank clearly identifies ₦20,000 as an airtime limit, although different sections of its page disagree on whether a higher cumulative daily amount applies. Treat ₦20,000 as the daily ceiling unless Fidelity Bank confirms otherwise for your account.

Does Fidelity Bank charge for buying airtime?

The current My 770 service-charge table does not list a separate bank fee for airtime purchases. Your mobile network may still charge for the USSD session.

Why was I debited without receiving airtime?

The purchase may be delayed or may have failed after the debit. Check the network airtime balance, avoid repeating the request and report it with the transaction reference if no credit or reversal appears.

Can I reverse airtime sent to a wrong number?

Contact Fidelity Bank and the mobile network immediately, but recovery is not guaranteed because airtime is usually delivered instantly.

How do I change my Fidelity Bank airtime PIN?

Dial *770*00# to change a known Instant Banking PIN. Use the Forgot PIN option under *770# if you cannot remember it.

The simplest way to remember the Fidelity Bank airtime formats is that self-recharge needs only the amount, while third-party recharge requires the phone number first and the amount second. Check every digit and the displayed value before entering your PIN.