Managing finances is easier with mobile banking solutions in Nigeria, and Fidelity Bank is one of those that offers ease to their users with its USSD banking service. The Fidelity bank code (*770#) allows customers to perform transactions such as transfers, airtime recharge, bill payments, and balance inquiries directly from their mobile phones without internet access. This makes banking convenient, fast, and accessible to everyone, whether using a smartphone or a basic phone.
In this article, we will explore everything you need to know about the Fidelity bank code, including how to activate it, how to transfer money, check your balance, buy airtime, pay bills, and other essential services. We will also highlight transaction charges, limits, benefits, and potential drawbacks.
What is the Fidelity Bank Code?
The Fidelity bank code is *770#. It is a USSD (Unstructured Supplementary Service Data) short code that enables customers to carry out financial transactions without needing an internet connection or mobile app.
By dialing *770# on a registered phone number linked to a Fidelity Bank account, customers can access instant banking services 24/7. This makes it particularly useful in areas with poor internet coverage or for people who prefer simple and quick banking methods.
Also read: Latest On Airtel Night Plan Code and How to Subscribe
With the Fidelity bank code, customers can:
- Transfer money to Fidelity and other bank accounts.
- Check account balance.
- Buy airtime for self and others.
- Pay bills such as DSTV, PHCN, and more.
- Withdraw money from ATMs without a debit card.
- Open a new Fidelity account.
- Block debit cards instantly.
How to Activate Fidelity Bank Code
Before using the Fidelity bank code, customers must activate the service on their mobile phones. Activation is a one-time process that links your phone to the USSD platform.
Here’s how to activate the code:
- Dial *770*# on the phone number linked to your Fidelity account.
- Enter the last four digits of your debit (ATM) card.
- Create a unique 4-digit PIN for authorizing transactions.
- Confirm the PIN.
- You will receive a message confirming successful activation.
Note: Your mobile network will charge a one-time fee of ₦6.98 for activating the Fidelity bank code.
Once activated, you can use *770# and related short codes to carry out transactions anytime.
Also read: How to Track Your iPhone When Stolen in 2025
Fidelity Bank Code for Transfers
One of the most important features of the Fidelity bank code is money transfers. Whether sending funds to another Fidelity account or to other Nigerian banks, the process is straightforward.
To transfer to a Fidelity Bank account:
Dial *770*Account Number*Amount#
For example, to send ₦15,000 to account number 1234567890, dial:*770*1234567890*15000#
If the above one-line code does not work, dial the root code *770# and follow the on-screen prompts.
To transfer to other banks:
Use the same format (*770*Account Number*Amount#), then select the recipient’s bank from the list, confirm their name, and authorize the transfer with your PIN.
- Maximum per transaction: ₦20,000
- Daily cumulative limit: ₦100,000
Transfers attract a fee of about ₦70 depending on the transaction type and amount.
If the above one-line code does not work, dial the root code *770# and follow the on-screen prompts.
Also read: 5 Ways to Protect Your WhatsApp from Hackers
Fidelity Bank Code for Checking Account Balance
To keep track of your funds, the Fidelity bank code for balance inquiry is very handy.
How to check your balance:
Dial *770*0#
You will be prompted to enter your 4-digit PIN. Once confirmed, your account balance will be displayed immediately.
This service costs ₦20 per inquiry.
Fidelity Bank Code for Airtime Recharge
Running out of airtime during important calls can be stressful. With the Fidelity bank code, airtime top-ups are fast and secure.
- To recharge your own line: Dial *770*Amount#
- Example:
*770*500#to recharge ₦500.
- Example:
- To recharge another number: Dial *770*Phone Number*Amount#
- Example:
*770*08100123456*1000#to send ₦1,000 to another phone.
- Example:
The daily recharge limit is ₦20,000.
Also read: Top 5 Security Products for the Home | 2025 Update
Fidelity Bank Code for Bill Payments
The Fidelity bank code also allows you to settle bills conveniently. From cable TV subscriptions to electricity payments, you can handle them without visiting a bank branch.
Example for DSTV Payment:
Dial *770*1099*SmartCardNumber*Amount#
So, to pay ₦5,500 for DSTV, you would dial:*770*1099*41234567890*5500#
The daily bill payment limit is ₦20,000.
Fidelity Bank Code for ATM Cardless Withdrawal
Forgot your ATM card at home? Fidelity’s USSD service makes cardless withdrawals possible.
Steps:
- Dial *770*8*Amount# (example: *770*8*10000#).
- Follow the prompts to generate a one-time PIN (OTP) and Paycode.
- At the ATM, enter the Paycode, OTP, and the amount.
- Collect your cash.
- Maximum per transaction: ₦20,000
- Daily limit: ₦100,000
- Fee: ₦100
Also read: 5 Emergency Numbers for Security in Nigeria
Fidelity Bank Code for Opening an Account
With the Fidelity bank code, new accounts can be opened in minutes.
- Dial *770*01#
- Accept the service charge.
- Choose whether you have a BVN or not.
- Enter personal details such as name, date of birth, and gender.
- Confirm the details.
A new account number will be sent to you via SMS instantly.
Other Important Fidelity Bank Codes
Apart from transfers and balance checks, the Fidelity bank code supports several other useful services:
- Block your debit card: Dial *770*911#
- Update BVN or Email: Dial *770*02#
Charges for Fidelity Bank USSD Transactions
While using the Fidelity bank code, certain transactions attract service charges:
| Service | Charge (₦) |
|---|---|
| Balance Inquiry | 20 |
| Intra-bank Transfer | 10–25 |
| Inter-bank Transfer | 10–25 + VAT |
| Bill Payments | 105 |
| Cardless Withdrawal | 100 |
These low service charges make the USSD service cost-effective.
Pros of Using Fidelity Bank Code
- Convenience: Access transactions anytime, anywhere.
- Speed: Most transactions complete in seconds.
- No Internet Needed: Works without data.
- Cost-effective: Cheaper than visiting a branch.
- Available on all networks: MTN, Airtel, Glo, and 9mobile.
Cons of Using Fidelity Bank Code
- Linked Number Restriction: Works only with registered phone numbers.
- Transaction Limits: ₦20,000 per transaction, ₦100,000 daily.
- Network Dependency: May experience delays due to poor mobile signals.
Fidelity Bank Code vs. Mobile App
While the Fidelity bank code works without internet and is accessible to all phones, the Fidelity Mobile App requires a smartphone and data connection. However, both platforms provide similar services such as transfers, airtime recharge, and bill payments.
The USSD service is ideal for users without smartphones, while the mobile app offers additional features such as account statements, card management, and loan applications.
Fidelity Bank WhatsApp Banking
Beyond the Fidelity bank code, customers can also use Fidelity’s WhatsApp banking service.
- WhatsApp Number: +234-903-000-5252
- Services include checking balances, transfers, airtime purchases, and bill payments.
This provides another convenient alternative for digital banking.
Security Tips for Using Fidelity Bank Code
- Keep your 4-digit PIN private and never share it.
- Always confirm recipient details before authorizing transfers.
- Block your card immediately if stolen using *770*911#.
- Contact Fidelity customer care for any suspicious activity.
Conclusion
The Fidelity bank code (*770#) is a powerful tool that brings banking services to your fingertips. With it, customers can transfer money, check balances, recharge airtime, pay bills, open accounts, and even withdraw cash without a debit card.
While there are transaction limits and occasional network issues, the benefits of convenience, speed, and accessibility far outweigh the drawbacks. For customers who want to bank without the internet or long queues at branches, the Fidelity bank code remains one of the simplest and most reliable solutions.
Stay connected to this blog for more useful updates. Follow us on X (formerly Twitter) @Logic_sss for quicker access to the updates.
Recommendations
- Top 5 Security Tips for Tourists in Nigeria
- Top 5 Security Tips for New Car Drivers
- 5 Emergency Numbers for Security in Nigeria
- Top 5 Security Products for the Office
- Top 8 Affordable Security Products for the Office
References
- wakaabuja.com – List of All Fidelity Bank USSD and Transfer Code 2025
- www.fidelitybank.ng – My 770
- unleash.com.ng – How to Transfer Money from Fidelity Bank Account: USSD Code & Limit
- genguide.com.ng – How To Use Fidelity Bank USSD Code
- www.okay.ng – Fidelity Bank USSD Code: Transfer Money, Check Balance, Pay Bills, and More
- unleash.com.ng – Activate Fidelity Bank USSD Code for Mobile Transactions (2025)
- etimes.com.ng – Fidelity Bank USSD: How to Register/Create, transfer Money and Buy Airtime
