Fidelity Bank Nigeria USSD Codes for Transfers, Airtime, Data & Bills

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Last verified: September 30, 2025
Disclaimer: nigeriaussdcodes.com is an independent help site. We are not Fidelity Bank. Codes and services may change; we verify details against official sources where possible.

Why Fidelity Bank USSD Codes Matter

Fidelity Bank has grown from a small commercial bank into one of Nigeria’s most reliable and technology-driven institutions. Known for its strong customer service and affordable banking, Fidelity now serves millions of Nigerians through branches, apps, and digital tools.

One of the most powerful tools Fidelity provides is its USSD service — *770# (Instant Banking).

With this simple code, customers can:

  • Check balances instantly.

  • Transfer money to any bank in Nigeria.

  • Buy airtime and data.

  • Pay electricity, TV, and education bills.

  • Open new accounts without visiting a branch.

  • Access loans and block accounts when necessary.

What makes Fidelity’s USSD banking so special is its reliability even on low network strength, which means traders in rural towns and professionals in cities can both use it anytime, anywhere — no internet required.

Key takeaways
  • Main USSD code: *770# (Fidelity Instant Banking).
  • Check Balance: *770*0#.
  • Transfer to Fidelity: *770*AccountNumber*Amount#.
  • Transfer to Other Banks: *770*AccountNumber*Amount#.
  • Airtime (Self): *770*Amount#.
  • Airtime (Others): *770*PhoneNumber*Amount#.
  • Buy Data: *770# → Select Data.
  • Bills: *770# → Select Bills.
  • Open Account: *770*01#.
  • Block Account: *770*911#.

 

 

Fidelity Bank Nigeria USSD Codes (2025)
Service USSD Code Details
Register/Activate *770# First-time setup with card or account details.
Check Balance *770*0# Displays balance instantly via SMS or screen pop-up.
Transfer Money *770*AccountNumber*Amount# Transfer to Fidelity or other banks; confirm name before PIN.
Airtime (Self) *770*Amount# Recharge your line instantly.
Airtime (Others) *770*PhoneNumber*Amount# Recharge other people’s lines securely.
Buy Data *770# → Data Select network and bundle, confirm with PIN.
Bill Payments *770# → Bills TV, electricity, school fees, and more.
Open Account *770*01# Instant account creation with basic details.
Block Account *770*911# Quickly secure your funds during emergencies.

How to Register & Activate Fidelity USSD Banking

  1. Dial *770#.

  2. Select “Register.”

  3. Enter your Fidelity Bank account number.

  4. Provide your ATM card details or date of birth for verification.

  5. Create a secure 4-digit PIN.

  6. Confirm your PIN.

Once activated, you can perform all transactions without needing the mobile app.

Tip: Always register with the SIM linked to your bank account to avoid “Invalid User” errors.

How to Check Account Balance

  • Dial *770*0#.

  • Enter your 4-digit PIN.

  • Your current balance displays immediately and is also sent via SMS.

Use cases:

  • Students confirming school allowance deposits.

  • Traders checking profit after daily sales.

  • Employees verifying salary credit alerts.

Troubleshooting:

  • If no response, ensure your SIM has network signal.

  • If session ends abruptly, redial in off-peak hours.

How to Transfer Money

To Fidelity Accounts

  • Dial *770*AccountNumber*Amount#.

  • Example: *770*1234567890*5000#.

  • Confirm recipient name → Enter PIN → Done.

To Other Banks

  • Dial *770*AccountNumber*Amount#.

  • Select destination bank from list.

  • Confirm name → Enter PIN → Transaction complete.

Transfer limits: ₦100,000 per transaction, ₦500,000 daily cumulative (may increase with higher KYC).

Examples:

  • A Lagos barber sends payment to his distributor.

  • A mother in Kaduna transfers allowance to her daughter at university.

Airtime & Data Purchases

Airtime for Self

  • Dial *770*Amount#.

  • Example: *770*500# → ₦500 credited instantly.

Airtime for Others

  • Dial *770*PhoneNumber*Amount#.

  • Example: *770*08031234567*1000#.

Data

  • Dial *770# → Select “Data.”

  • Choose your preferred network and bundle.

  • Confirm with PIN.

Paying Bills with Fidelity Instant Banking

Supported billers include:

  • TV: DSTV, GOtv, Startimes.

  • Electricity: PHED, IKEDC, EEDC, etc.

  • Internet: Spectranet, Smile, Swift.

  • Education: WAEC, JAMB, school payments.

Steps:

  1. Dial *770#.

  2. Select “Bills.”

  3. Choose bill category.

  4. Enter customer ID or meter number.

  5. Confirm details and amount.

  6. Enter PIN to finalize.

Opening a New Account via USSD

Fidelity allows new customers to open accounts directly from their phones:

  1. Dial *770*01#.

  2. Follow the prompts to enter name, DOB, and address.

  3. A new 10-digit Fidelity Bank account number is created.

  4. Visit a branch later to update KYC if needed.

This system supports financial inclusion for Nigerians in remote areas.

Blocking Account in Emergencies

If you suspect fraud or your phone is stolen:

  • Dial *770*911#.

  • Select the account to block.

  • Confirm with your PIN.

  • You’ll receive an SMS confirmation instantly.

Troubleshooting Common Fidelity USSD Errors

Problem Cause Quick Fix
Invalid MMI Code SIM not linked Use the registered SIM
Session Timeout Network delay Retry in off-peak hours
Failed Transfer Server congestion Wait a few minutes, retry
Airtime Deducted but Not Received Network delay Check SMS or wait for reversal
PIN Blocked Too many wrong attempts Reset via *770# or visit branch
Unsuccessful Bill Payment Wrong ID/meter Verify number before retrying

FAQs

Q1: What is Fidelity Bank’s USSD code?
*770#.

Q2: Can I use it without internet?
Yes, it’s 100% offline.

Q3: How do I transfer money to other banks?
Use *770*AccountNumber*Amount#.

Q4: What’s the daily transfer limit?
₦500,000 (can vary by account type).

Q5: Can I recharge another line?
Yes, with *770*PhoneNumber*Amount#.

Q6: Can I buy data using USSD?
Yes, across MTN, Airtel, Glo, and 9mobile.

Q7: What happens if I forget my PIN?
Reset it by dialing *770# and selecting “Change/Reset PIN.”

Q8: Is it safe to use USSD banking?
Yes, as long as you keep your PIN private.

Q9: Can I block my account?
Yes, with *770*911#.

Q10: Can I pay electricity or TV bills?
Yes, via *770# → Bills.

Q11: Can I open a new account via phone?
Yes, dial *770*01#.

Q12: Are there fees for USSD usage?
Yes, ₦6.98 per session + transaction charges.

Q13: What if I use dual SIM phones?
Ensure you select your Fidelity-linked SIM when dialing.

Q14: Can USSD work abroad?
Yes, if roaming is active, but charges apply.

Q15: Does Fidelity offer USSD loans?
Yes, some instant loans can be accessed via the menu.

Conclusion

Fidelity Bank’s *770# USSD service is one of the most complete and dependable mobile banking tools in Nigeria. It empowers customers to bank on the go—checking balances, making transfers, paying bills, and opening accounts—all without needing data or visiting a branch.

Its simplicity, security, and 24/7 availability make it an essential financial lifeline for Nigerians everywhere.

For assistance, customers can contact:

  • Fidelity Bank Customer Care: 070034335489

  • Website: fidelitybank.ng

  • Help Line: *300# (general NCC help desk).

Bookmark this guide so you can always access the latest Fidelity USSD codes at your fingertips.

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