Fidelity Bank Code: Complete *770# Code List

To transfer money, dial *770*Account number*Amount#. For example, dial *770*5050123456*10000# to send ₦10,000 to account number 5050123456, then follow the prompts and confirm with your Fidelity Instant Banking PIN.

The Fidelity Bank USSD code works on MTN, Airtel, Glo and 9mobile. You must dial it from the phone number registered with your Fidelity Bank account for regular banking transactions.

Fidelity Bank Code List

These codes come from Fidelity Bank’s current official *770# page. Read every prompt before entering your PIN because menu options, limits and charges can change.

What Is the USSD Code for Fidelity Bank?

The USSD code for Fidelity Bank is *770#. Fidelity calls the service My 770 or Instant Banking.

USSD means Unstructured Supplementary Service Data. It sends short commands through a mobile network, so it does not need a smartphone, mobile app, Wi-Fi or data bundle. A working cellular signal is still required.

Dialling the main code opens a menu of available services. Direct commands such as *770*0# take you straight to a particular function, which saves time when you already know the correct format.

What You Need to Use the Fidelity Bank USSD Code

Before registering, make sure that:

• You have an eligible individual Fidelity Bank account.
• The SIM in your phone is the number registered with the bank.
• The line can make USSD requests.
• You can provide the account or debit-card details requested for verification.
• You can create a secure transaction PIN.
• You have enough airtime for any USSD access fee applied by your mobile network.

Fidelity Bank says the service is automatically connected to all eligible accounts attached to the registered phone number. If you have more than one account, you can select the account to debit while completing a transaction.

How to Register the Fidelity Bank Code

To activate Fidelity Instant Banking:

1. Dial *770# from the phone number linked to your Fidelity Bank account.
2. Select Instant Banking or the registration option displayed.
3. Enter your Fidelity Bank account number when requested.
4. Provide the debit-card or other verification details requested by the service.
5. Create a transaction PIN.
6. Confirm the PIN and wait for a successful registration message.

The exact wording and numbering of menu options can change. Follow the instructions shown on your phone instead of relying on an old screenshot.

Do not choose a predictable PIN such as 1234, your birth year, repeated digits or part of your phone number. The PIN authorises transactions and should not be disclosed to a caller, agent, friend or family member.

How to Transfer Money with the Fidelity Bank Code

The Fidelity Bank transfer code is:

*770*Account number*Amount#

Follow these steps:

1. Open your phone’s dialler.
2. Enter the beneficiary’s account number followed by the amount.
3. Press the call button.
4. Select the beneficiary’s bank if the service asks for it.
5. Check the account name displayed on the screen.
6. Confirm the amount and applicable charge.
7. Enter your Instant Banking PIN.
8. Save the successful transaction message or reference.

For example, to transfer ₦10,000 to account 5050123456, dial:

*770*5050123456*10000#

The account number comes before the amount. This is different from the format used by several other Nigerian banks, so copying another bank’s transfer-code arrangement can cause an error.

Do not include commas or the naira symbol. Enter 10000, not ₦10,000.

Fidelity Bank Transfer Code to Other Banks

The same direct format can initiate transfers to Fidelity Bank and other Nigerian banks:

*770*Account number*Amount#

When the beneficiary is at another bank, select the correct bank from the displayed list. Wait for Fidelity Bank to resolve the beneficiary’s name before entering your PIN.

Cancel the transaction if the name is incorrect, incomplete or does not appear. A valid account number belonging to the wrong person can still receive the money, and recovery is not guaranteed.

You can also dial *770#, choose Transfer and follow the menu. The menu method is useful when you do not remember the direct format.

Fidelity Bank Transfer Limits

Fidelity Bank’s official My 770 page currently lists:

• Maximum of ₦20,000 in a single transfer.
• Cumulative transfer limit of ₦100,000 per day.

This means you may make several transfers in one day, but each transaction must remain within the single-transfer limit and the combined amount must remain within the daily limit.

Limits may differ for another banking channel or change after the article is published. If you need to send a larger amount, use the Fidelity Online Banking app, online banking or another channel approved for your account.

Avoid dividing a large payment into many transfers without considering additional fees, beneficiary verification and fraud controls.

Fidelity Bank USSD Charges

Fidelity Bank’s official page currently displays these transaction charges:

Your mobile network may apply a separate USSD access fee. Charges can change, so review the transaction summary displayed before entering your PIN.

The amount deducted may therefore include the money sent, Fidelity Bank’s fee, applicable VAT and any network session charge billed separately.

Fidelity Bank Account Balance Code

To check your Fidelity Bank account balance, dial:

*770*0#

Follow the prompts and provide your PIN when requested. If several accounts are linked, select the account whose balance you want to view.

Fidelity Bank currently lists a ₦20 balance-enquiry charge. A mobile-network USSD fee may also apply.

Checking your balance is useful before a transfer and after an interrupted transaction. Do not retry a failed-looking transfer until you confirm whether your account was debited.

Fidelity Bank Airtime Code

Buy airtime for yourself

Dial:

*770*Amount#

For example, dial *770*1000# to buy ₦1,000 airtime for the registered phone number.

Buy airtime for another phone

Dial:

*770*Phone number*Amount#

For example:

*770*08123456789*1000#

The phone number comes before the amount. Confirm the number carefully because airtime sent to a valid but incorrect line may be difficult to recover.

Fidelity Bank’s page states a maximum airtime purchase of ₦20,000. Another section of the same page describes a ₦20,000 single transaction and ₦100,000 daily limit for the airtime service, while its FAQ states a ₦20,000 daily airtime limit. Because those statements conflict, treat ₦20,000 as the safest daily ceiling unless your current USSD prompt states otherwise.

How to Open a Fidelity Bank Account with USSD

Dial:

*770*01#

The service asks whether you have a BVN and then collects details such as your names, gender and date of birth. Follow the prompts and verify every entry before submitting.

Opening the account through USSD may produce an account with transaction restrictions until all required identity and KYC documents have been provided. The bank may ask you to complete verification online or at a branch.

If you already have a Fidelity Bank account, do not open another one merely because *770# cannot find the existing account. Contact Fidelity Bank to check whether your phone number is correctly attached to it.

How to Pay Bills with *770#

The general bill-payment format is:

*770*Biller code*Customer reference*Amount#

The customer reference may be a smartcard, decoder, meter or subscription number, depending on the biller.

Examples of biller codes currently shown by Fidelity Bank include:

For example, Fidelity Bank illustrates a DStv payment with:

*770*1099*Smartcard number*Amount#

Using the main *770# menu can be safer when you are uncertain about a biller’s current code. Confirm the customer reference and amount before authorising the payment.

How to Make a Cardless Withdrawal

To generate a cardless withdrawal from a Fidelity Bank account, dial:

*770*8*Amount#

For example:

*770*8*10000#

Follow the prompts to create a one-time PIN and receive an 11-digit Paycode. At a supported ATM, select the cardless withdrawal option and enter the Paycode, PIN and amount.

Fidelity Bank says the Paycode is valid for 24 hours. The current single cardless-withdrawal limit is listed as ₦20,000.

Treat the Paycode and PIN like cash. Anyone who has the required withdrawal details may be able to collect the money. Do not send them to an unintended recipient or post them in a message group.

How to Request a Fidelity Bank Loan

Dial:

*770*08#

This code provides access to Fidelity Bank’s eligible digital loan products, including Payday Loan and Fidelity Loan on Account Turnover where available.

Loan access is not guaranteed. Eligibility can depend on salary history, account activity, existing loans, credit history and the product’s requirements. Read the interest, upfront fees, insurance, repayment date and total amount payable before accepting any offer.

A short code makes the application convenient, but it does not make the loan free or suitable for every customer.

How to Change or Reset Your Fidelity Bank USSD PIN

To change an existing PIN, dial:

*770*00#

Follow the verification prompts and create a new PIN. Change it immediately if another person may have seen or learned it.

If you have forgotten the PIN, Fidelity Bank advises customers to dial *770#, select Forgot PIN and follow the on-screen instructions. Do not repeatedly guess, as several incorrect attempts may restrict access.

How to Update BVN or Email with *770#

Dial:

*770*02#

Follow the instructions to update or link the requested information. Enter sensitive identity details only within an official Fidelity Bank channel.

Updating a BVN does not replace every KYC requirement. A mismatch in names, date of birth or other records may still require additional verification or a branch visit.

How to Block a Fidelity Bank Card

If your Fidelity debit card is missing or its PIN or details may have been compromised, dial:

*770*911#

Follow the prompts to block the card. Contact Fidelity Bank afterward to report the incident and learn how to request a replacement.

Blocking a card is different from disabling Instant Banking on a stolen phone. Use the emergency option that matches the risk.

How to Block Fidelity Instant Banking from Another Phone

If the phone or SIM registered with your Fidelity Bank account is lost, dial this from any available phone:

*770*911*Registered phone number#

For example, if the missing registered number is 08012345678, dial:

*770*911*08012345678#

Fidelity Bank says this immediately disables Instant Banking on accounts attached to that phone number.

The bank’s page also displays *770*Registered phone number# under Fidelity Secure. Because its FAQ provides the more specific *770*911*Phone number# format for a lost phone, use the 911 format first and contact Fidelity Bank immediately if it does not work.

Recover the SIM through your mobile network and complete Fidelity Bank’s approved reactivation process before resuming USSD transactions.

How to Manage Fidelity Bank Alerts

Dial:

*770*2#

This opens the self-service option for selecting categories of SMS and email notifications. Think carefully before switching off important debit or security alerts, as they can help you notice unauthorised activity quickly.

Why the Fidelity Bank Code Is Not Working

You are using the wrong phone number

Ordinary *770# transactions work from the mobile number registered with the bank. On a dual-SIM phone, make sure the request is sent through the correct SIM.

Instant Banking has not been registered

Dial *770# and complete the activation prompts before using a direct command.

The code format is incorrect

For transfers, enter the account number before the amount. For third-party airtime, enter the phone number before the amount.

Your mobile signal is weak

Fidelity Bank states that the service depends on a full network signal. Move to an area with better coverage and try again.

The session expired

USSD menus remain open for a limited period. Prepare the necessary details before dialling, but still read every confirmation carefully.

The amount exceeds a limit

A transfer above ₦20,000 in one transaction or a cumulative daily transfer above ₦100,000 can be declined under the limits currently published by Fidelity Bank.

Your balance is insufficient

The account must cover the amount, bank charge and applicable taxes. Check the available balance rather than relying only on an earlier SMS alert.

Your PIN is wrong or blocked

Use the official PIN-change or Forgot PIN process. Do not continue guessing.

There is a temporary service outage

Wait briefly or use Fidelity’s app, online banking, ATM or branch where appropriate.

What to Do After a Failed Transaction

If the USSD session closes or reports an error:

1. Do not repeat the transaction immediately.
2. Check your balance and transaction history.
3. Review debit and successful-transfer alerts.
4. Ask the recipient to check the account balance, not only SMS alerts.
5. Save the transaction reference, amount, date and error message.
6. Contact Fidelity Bank if a debit is not followed by a credit or reversal.

Resolution time varies according to the transaction and whether another bank or service provider is involved. Supplying complete information helps the bank investigate faster.

Fidelity Bank Customer Care

Fidelity Bank currently publishes these support channels:

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

Never disclose your USSD PIN, debit-card PIN, CVV, password or one-time password to a support agent. Do not post private banking information under a social-media complaint.

Safety Tips for Using the Fidelity Bank Code

• Keep your USSD PIN secret.
• Confirm the beneficiary’s name before transferring money.
• Check phone numbers carefully before buying airtime for others.
• Do not approve a transaction you did not initiate.
• Avoid entering the PIN where another person can watch your screen.
• Lock your phone and SIM with secure codes.
• Block a missing card or stolen-phone access immediately.
• Use only Fidelity Bank’s official website and verified support channels.
• Save transaction references until payments are confirmed.

You might also like to read:

• Fidelity Bank Transfer Code to Send Money
• Union Bank Transfer Code to Send Money with USSD
• First Bank Transfer Code: Send Money to Any Bank in Nigeria
• Zenith Bank USSD Code (*966#): Transfer Money, Check Balance & More
• Access Bank Transfer Code: How to Send Money Using 901#

Frequently Asked Questions

What is the Fidelity Bank code?

The Fidelity Bank code is *770#. It provides access to transfers, balances, airtime, bills, cardless withdrawals, account services and eligible loans.

What is the Fidelity Bank USSD code for transfer?

Dial *770*Account number*Amount#. Confirm the beneficiary’s name and complete the transfer with your PIN.

Can I use *770# without internet?

Yes. The service does not require mobile data or Wi-Fi, but it needs a working mobile signal and may attract a network access charge.

Can I use the code on any phone number?

Regular banking transactions must be initiated from the number registered with your Fidelity Bank account. The emergency blocking command can be dialled from another phone by including the missing registered number.

What is the Fidelity Bank balance code?

Dial *770*0# and follow the prompts. Fidelity Bank currently lists a ₦20 balance-enquiry charge.

What is the Fidelity Bank airtime code?

Dial *770*Amount# for your registered number. For another person, dial *770*Phone number*Amount#.

How do I change my Fidelity Bank USSD PIN?

Dial *770*00# and complete the verification. If you have forgotten it, open *770# and select Forgot PIN.

What is the daily Fidelity Bank transfer limit?

Fidelity Bank currently lists a ₦20,000 single-transfer limit and a cumulative ₦100,000 daily transfer limit for *770#.

How do I block my Fidelity Bank account if my phone is stolen?

From another phone, dial *770*911*Registered phone number#. Then contact Fidelity Bank to report the incident and obtain recovery instructions.

Can I open a Fidelity Bank account with USSD?

Yes. Dial *770*01# and follow the account-opening prompts. Additional verification may be required before all account features and limits become available.

Fidelity Bank has made *770# a broad banking channel rather than a transfer-only code. The most important formats to remember are *770*Account number*Amount# for transfers, *770*0# for balance enquiries and *770*911*Registered phone number# when a stolen phone puts Instant Banking at risk. Confirm every name, amount and charge before entering your PIN.