The Fidelity Bank transfer code is *770*Account number*Amount#. Dial it from the phone number registered with your Fidelity Bank account, confirm the beneficiary’s name and complete the transfer with your Instant Banking PIN.
For example, to send ₦10,000 to account number 5050123456, dial:
*770*5050123456*10000#
The account number comes before the amount. This detail is important because several Nigerian banks use a different arrangement for their transfer commands.
The transfer code for Fidelity Bank works for transfers within Fidelity Bank and to other Nigerian banks. You can also dial *770#, select the transfer option and follow the on-screen prompts if you do not want to enter the direct string.
Fidelity Bank Transfer Code Summary
| Transaction | Fidelity Bank code |
|---|---|
| Open the transfer menu | Dial *770# and select Transfer |
| Transfer to a Fidelity Bank account | *770*Account number*Amount# |
| Transfer to another Nigerian bank | *770*Account number*Amount# |
| Check your balance before transferring | *770*0# |
| Change your transfer PIN | *770*00# |
| Block a missing debit card | *770*911# |
| Disable USSD after losing your phone | *770*911*Registered phone number# |
Fidelity Bank uses the same direct transfer format for Fidelity and other-bank beneficiaries. When the recipient uses another bank, select the correct institution from the list displayed on your phone.
What Is the Code for Fidelity Bank Transfer?
The code for Fidelity Bank transfer is:
*770*Account number*Amount#
Fidelity Bank calls the service Instant Banking or My 770. It works through USSD, meaning you do not need mobile data, Wi-Fi or the Fidelity banking app.
You still need a working mobile-network signal, an active Fidelity Bank account, the registered SIM and a transaction PIN. Your mobile network may also require sufficient airtime for the USSD session fee.
How to Activate the Fidelity Bank Transfer Code
You must register for *770# Instant Banking before making a transfer. To activate it:
- Insert the SIM linked to your Fidelity Bank account into your phone.
- Dial
*770#. - Select Instant Banking or the registration option shown.
- Enter your Fidelity Bank account number.
- Provide the debit-card or identity details requested for verification.
- Create and confirm your transaction PIN.
- Wait for Fidelity Bank to confirm that registration was successful.
The menu may be updated, so follow the instructions displayed on your phone instead of selecting option numbers remembered from an old screenshot.
The PIN you create will authorise transfers. Do not use an obvious number such as 1234, your birth year or the final digits of your phone number. Fidelity Bank staff should not ask you to disclose it.
How to Use the Transfer Code for Fidelity Bank
Follow these steps to make a transfer:
- Open the dialler on the phone containing your registered SIM.
- Enter
*770*Account number*Amount#. - Press the call button.
- Select the beneficiary’s bank when requested.
- Wait for the beneficiary’s account name to appear.
- Confirm the name, account number and amount.
- Review the transaction charge.
- Enter your Instant Banking PIN.
- Save the success message or transaction reference.
Do not enter commas, spaces or a naira symbol in the USSD command. To send ₦25,000, for instance, you would enter 25000, not ₦25,000. However, Fidelity Bank’s currently published single USSD transfer limit is ₦20,000, so a ₦25,000 request would be above that limit.
Always read the resolved beneficiary name. Cancel the transaction if the name is wrong or does not appear, even when the account number differs by only one digit.
How to Transfer from Fidelity Bank to Fidelity Bank
For a transfer to another Fidelity Bank account, dial:
*770*Account number*Amount#
For example:
*770*5050123456*5000#
Confirm that Fidelity Bank displays the correct beneficiary name, then enter your PIN. An internal transfer normally reaches the recipient quickly, but an SMS alert may arrive later than the actual credit.
If you have several accounts linked to your phone number, the service may ask you to choose the account to debit. Check the selected account and its available balance before authorising the payment.
Fidelity Bank Transfer Code to Other Banks
Fidelity Bank uses the same direct code for interbank transfers:
*770*Account number*Amount#
After dialling it:
- Choose the receiving bank.
- Check the beneficiary’s resolved name.
- Confirm the amount and fee.
- Enter your PIN.
For example, to send ₦15,000 to account 0123456789 at another Nigerian bank, dial:
*770*0123456789*15000#
Do not add a separate bank code to the direct string unless Fidelity Bank’s current prompt specifically asks for one. The receiving bank is normally selected through the menu.
Transfers involving another bank can be affected by the receiving institution or interbank payment network. Save the reference until the beneficiary confirms the credit.
How to Transfer Through the Main *770# Menu
The main menu is useful when you cannot remember the direct transfer format:
- Dial
*770#. - Select Instant Banking.
- Choose Transfer.
- Select the account to debit if necessary.
- Enter the beneficiary’s account number.
- Select the receiving bank.
- Enter the amount.
- Confirm the beneficiary’s name and transaction details.
- Enter your PIN.
The menu and direct code lead to the same basic service. Neither method removes the need to verify the beneficiary.
USSD sessions remain active for a limited time. Have the account number ready, but do not rush through the name and amount confirmation simply to avoid a timeout.
Can I Use the Fidelity Bank Transfer Code Without an ATM Card?
Once Instant Banking is active, you can normally transfer money without using a debit card for each transaction. The transfer is authorised with your USSD PIN.
A debit card may be needed during initial registration or a security reset. If your card is expired or unavailable, dial *770# to see the verification methods offered to your account or contact Fidelity Bank.
Do not share a debit-card PIN, CVV or one-time password with anyone offering to register the transfer code on your behalf.
Can I Transfer Without Internet?
Yes. The Fidelity Bank USSD transfer code works without mobile data or Wi-Fi. It can be used on a basic phone or smartphone.
The service requires a cellular signal and depends on both Fidelity Bank’s system and your mobile network. It may fail during a network outage even when your account and PIN are correct.
Your telecom provider may charge for the USSD session. Keep a small airtime balance on the registered line even though no data bundle is required.
Fidelity Bank Transfer Limits
Fidelity Bank’s official My 770 page currently lists:
- ₦20,000 maximum per USSD transfer.
- ₦100,000 cumulative daily transfer limit.
The daily limit does not mean that you can send ₦100,000 in one transaction. Each payment must remain at or below ₦20,000, while all successful USSD transfers completed that day must remain within ₦100,000 altogether.
For example, five successful transfers of ₦20,000 would reach the daily maximum. Any additional transfer may be declined until the limit resets.
Limits can change and other Fidelity Bank channels may offer different amounts. Use the Fidelity banking app, online banking or a branch when your payment is above the USSD limit.
Fidelity Bank Transfer Charges
Fidelity Bank currently lists the following Instant Banking transfer fees:
| Transfer type | Amount | Listed charge |
|---|---|---|
| Fidelity-to-Fidelity | Up to ₦5,000 | ₦10 |
| Fidelity-to-Fidelity | Above ₦5,000 | ₦25 |
| Fidelity to another bank | Up to ₦5,000 | ₦10 plus VAT |
| Fidelity to another bank | Above ₦5,000 | ₦25 plus VAT |
A mobile-network USSD access charge may apply separately. Review the confirmation screen before entering your PIN because fees and taxes can change.
Do not rely on older articles claiming that every Fidelity Bank transfer costs a flat ₦50. The bank’s current page displays tiered charges based on the amount and destination.
How to Check Your Balance Before Transferring
Dial:
*770*0#
Follow the prompts and enter your PIN. If several accounts are linked, select the account you intend to use.
Fidelity Bank currently lists a ₦20 balance-enquiry charge. Your mobile network may apply an additional session fee.
The available balance must cover the transfer amount, Fidelity Bank’s fee and applicable VAT. A previous SMS alert may not reflect a pending debit or recently completed transaction.
For the complete balance, airtime, bill-payment, loan and cardless-withdrawal commands, see the complete Fidelity Bank code list.
How to Change the Fidelity Bank Transfer PIN
To change your current Instant Banking PIN, dial:
*770*00#
Complete the requested verification, enter a new PIN and confirm it. Change the PIN immediately if another person may have seen or learned it.
If you have forgotten the PIN, dial *770#, select Forgot PIN and follow the recovery instructions. Stop guessing after an unsuccessful attempt because repeated wrong entries may restrict USSD access.
Never allow another person to select a PIN for you. A bank employee, POS agent or customer-care representative does not need your complete transfer PIN.
Why the Fidelity Bank Transfer Code Is Not Working
You are using an unregistered SIM
Regular transfers work from the phone number linked to your Fidelity Bank account. On a dual-SIM phone, check which line is selected before sending the USSD request.
Instant Banking is not activated
Dial *770# and complete registration before trying the direct transfer code.
The code is arranged incorrectly
The correct format places the account number before the amount:
*770*Account number*Amount#
The beneficiary’s details are invalid
Check the account number and selected bank. Do not proceed if Fidelity Bank cannot display the correct beneficiary name.
The transfer exceeds a limit
A transaction above ₦20,000 or combined daily transfers above ₦100,000 can be declined under the limits Fidelity Bank currently publishes.
Your balance is insufficient
Your account must cover the payment, transfer fee and applicable tax. Check the available balance rather than relying only on an earlier alert.
Your PIN is incorrect
Use *770*00# to change a known PIN or select Forgot PIN from the main menu when you cannot remember it.
The USSD session timed out
USSD sessions expire quickly. Prepare the beneficiary’s details and respond promptly while still reading every confirmation carefully.
The mobile network is poor
Fidelity Bank says *770# depends on a strong network signal. Move to an area with better reception and try again.
The banking service is temporarily unavailable
Wait briefly or use Fidelity’s app, online banking, ATM or branch where appropriate.
What to Do When a Fidelity Bank Transfer Fails
If the session closes or displays an error:
- Do not repeat the transfer immediately.
- Check your account balance and transaction history.
- Review any debit or success notification.
- Ask the beneficiary to check the account balance, not only SMS alerts.
- Record the date, time, amount, account number and receiving bank.
- Save any transaction reference or error message.
Retry only after confirming that the first attempt did not debit your account. A delayed recipient alert does not necessarily mean that the transfer failed.
If you were debited but the recipient was not credited, allow time for an automatic reversal and contact Fidelity Bank when the issue remains unresolved. Resolution time depends on whether the transfer was internal or involved another bank.
What to Do If You Transfer to the Wrong Account
Contact Fidelity Bank immediately. Provide the transaction reference, date, amount, recipient’s bank and incorrect account number.
The bank must follow an approved recovery process. A report does not guarantee that the money will be returned, particularly if it has already been withdrawn or moved.
Do not threaten the recipient or attempt to obtain private information unlawfully. Preventing the error is easier than recovering the money, so always read the resolved account name before entering your PIN.
How to Block Fidelity Bank USSD After Losing Your Phone
If the phone or registered SIM is lost, dial the following from another phone:
*770*911*Registered phone number#
For example:
*770*911*08012345678#
The phone number included in the command must be the one attached to the endangered Fidelity Bank account, not the number from which you are dialling.
Fidelity Bank says the command disables Instant Banking on all accounts connected to the missing number. Contact the bank afterward and recover the SIM through your mobile operator.
If only your debit card is missing, dial *770*911# to access the card-blocking service.
Fidelity Bank Transfer Safety Tips
- Keep your transfer PIN private.
- Check the beneficiary’s name, bank and amount before authorising.
- Do not approve a transfer requested by someone claiming to be bank staff.
- Avoid making transactions where another person can watch you enter the PIN.
- Lock your phone and SIM.
- Ignore unverified social-media accounts offering transfer reversals.
- Save transaction references until the beneficiary confirms payment.
- Disable USSD access quickly when the registered phone is stolen.
- Use Fidelity Bank’s official support channels.
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 them 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 representative. Do not post complete banking details publicly under a complaint.
You might be interested to read:
- Fidelity Bank Code: Complete *770# Code List
- How to Transfer Money to Any Bank Using GTBank 737
- List of First Bank USSD Code and how to use the Shortcodes
- First Bank Transfer Code: Send Money to Any Bank in Nigeria
Frequently Asked Questions
What is the Fidelity Bank transfer code?
The Fidelity Bank transfer code is *770*Account number*Amount#. Dial it from the phone number registered with your account and confirm the transaction with your PIN.
What is the transfer code for Fidelity Bank to another bank?
Use *770*Account number*Amount#. Select the receiving bank from the list shown and confirm the beneficiary’s name before entering your PIN.
Can I transfer money without mobile data?
Yes. Fidelity Bank’s *770# transfer service does not require mobile data or Wi-Fi, but it needs a cellular signal and may attract a network USSD fee.
Can I transfer from an unregistered phone number?
No. Ordinary Fidelity Bank USSD transfers must be initiated from the phone number connected to your account.
Can I transfer without an ATM card?
Yes, after Instant Banking has been activated. A debit card may still be required during initial registration or identity verification.
What is the Fidelity Bank transfer limit?
Fidelity Bank currently lists ₦20,000 per transaction and ₦100,000 as the cumulative daily *770# transfer limit.
How do I reset my Fidelity Bank transfer PIN?
Dial *770# and select Forgot PIN. If you know the current PIN and only want to change it, dial *770*00#.
Why was my account debited when the transfer failed?
The transaction may have reached one part of the payment system before the session closed. Check your history, avoid repeating it and contact Fidelity Bank if the debit is not reversed or credited to the beneficiary.
How do I stop transfers if my phone is stolen?
From another phone, dial *770*911*Registered phone number#, then contact Fidelity Bank for further account protection and recovery.
The Fidelity Bank transfer format is easy to remember once its order is clear: enter *770*, the beneficiary’s account number, the amount and #. The code can send money to Fidelity Bank and other Nigerian banks, but the beneficiary’s resolved name, current limit and displayed charge should always be checked before the PIN is entered.
