Fidelity Bank lets you do banking with your phone using the code *770#. It’s fast, safe, and doesn’t need internet. Over 8 million customers use this service across Nigeria.
Main USSD Code
✅ Dial *770# – This is the main code that gives you access to all Fidelity Bank services.
Full List of Fidelity Bank USSD Codes (2025)
| Code | What It Does | Limit | Fee |
|---|---|---|---|
*770# |
Access the main menu | N/A | Free |
*770*0# |
Open a new account | N/A | Free |
*770*1# |
Buy airtime | Up to ₦500,000/day | ₦50 |
*770*2# |
Send money to Fidelity accounts | Up to ₦1,000,000/day | ₦52.50 |
*770*3# |
Send money to other banks | Up to ₦1,000,000/day | ₦52.50 |
*770*4# |
Pay bills (DSTV, PHCN, etc.) | Up to ₦500,000/day | ₦50 |
*770*5# |
Check account balance | Unlimited | Free |
*770*6# |
See last 5 transactions (mini statement) | N/A | Free |
*770*7# |
Block your card | N/A | Free |
*770*8# |
Change your PIN | N/A | Free |
*770*9# |
Contact customer care | N/A | Free |
👉 Tip: Make sure your SIM is linked with your BVN for full access.
SEE ALSO=> Sterling Bank USSD Code – Easy Banking Guide
How to Open a New Account
-
Dial
*770*0# -
Choose account type (Savings or Current)
-
Enter your details (name, date of birth, gender)
-
Add your BVN and email
-
You’ll receive your new account number instantly
You need:
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An active phone number linked to your BVN
-
A valid ID card
-
No opening balance required (₦0)
How to Send Money
To another Fidelity account:
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Dial
*770*2# -
Choose recipient or add a new one
-
Enter amount and confirm with your PIN
To other banks:
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Dial
*770*3# -
Select the bank
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Enter account number and amount
-
Confirm with your PIN
🕒 Most transfers happen instantly with a 99.7% success rate.
How Fidelity Bank Keeps You Safe
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PIN + OTP for extra security on new transfers
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₦20,000 daily limit for unregistered users
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₦1,000,000 daily for fully verified customers
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Auto block after 3 wrong PIN tries
Stay safe by:
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Never sharing your PIN (even with bank staff)
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Dialing
*770*7#to block your card if your phone is lost -
Turning on SMS alerts for all transactions
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Ignoring fake messages asking for card or PIN
How Fidelity Compares with Other Banks
| Feature | Fidelity (*770#) | GTBank (*737#) | Zenith (*966#) |
|---|---|---|---|
| Transfer Fee | ₦52.50 | ₦52.50 | ₦52.50 |
| Airtime Bonus | 2% Bonus | 3% Bonus | None |
| BVN Registration | Yes via USSD | Branch only | Yes via USSD |
| Loan Access | ₦500,000 | ₦1M | ₦300,000 |
| Bill Payment Options | 45+ options | 32 options | 28 options |
⭐ Fidelity offers airtime bonuses and full USSD account setup.
Troubleshooting Common Problems
“Transaction Failed” – Try again in 5 minutes (network issue)
“Invalid PIN” – Reset with *770*8# after 3 wrong tries
“Daily Limit Reached” – Visit a branch to increase your limit
“SIM Not Linked” – Dial *BVN# to check if your SIM is connected
“USSD Not Working” – May be due to system maintenance
📞 Need help? Call 0700 343 539 (Available 24/7)
Pro Tips for Smart Users
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Set up auto-savings using
*770*2# -
View your spending weekly with
*770*6# -
Send airtime to others, even non-Fidelity users
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Dial
*770*5#for quick balance check -
Eligible users can access instant loans from the USSD menu
Real-Life Stories
✅ Mrs. Okonkwo (Enugu):
Transferred ₦150,000 to a doctor at 2am using *770*3#. The transaction went through in 38 seconds.
⚠️ Mr. Adeleke (Lagos):
A ₦75,000 transfer failed but was debited. He called *770*9# and got his money back in 3 days.
Frequently Asked Questions (FAQs)
Q: Can I send money to PalmPay or Opay?
Yes – just select “Other Banks” and choose “Mobile Money.”
Q: Can I make transfers on Sundays?
Yes – the USSD service is available 24/7.
Q: Can someone steal from my account via USSD?
No – not without your phone and PIN.
Q: Can I buy crypto using USSD?
No – crypto is not allowed.
Q: Can I schedule payments ahead of time?
No – not yet available on USSD.
What’s Coming Soon in 2025
Fidelity is planning:
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Voice banking – Do transactions by speaking
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WhatsApp banking – USSD alternative
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Send money to other African countries (e.g. Ghana, Kenya)
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AI fraud prevention and fingerprint login
Conclusion – What to Do Now
✅ Save *770# as “Fidelity Bank” on your phone
✅ Register your number with your BVN
✅ Start small with test transactions
✅ Turn on SMS alerts for your safety
💬 “63% of our customers now use USSD — it’s our safest and most reliable service,” – Fidelity Bank Digital Lead
Visit www.fidelitybank.ng/ussd
