Fidelity Bank Transfer Code For Airtime, Data 2025/2026

If you’re looking for a banking solution that lets you send money, check your balance, buy airtime and more from your mobile phone without needing an internet connection then this blog post is for you.

With just a few taps on your phone, you can access a world of banking convenience via the Fidelity Bank Plc USSD transfer code.

In this guide, I’ll walk you through everything you need to know about the Fidelity Bank transfer code: what it is, how to activate it, the specific codes you’ll use, what to do when things go wrong, and all the little tips and rules that matter. I’ll also answer all the common FAQs so you feel confident using the service.

Let’s dive in.

What Is Fidelity USSD

When we say “USSD”, we mean the little code you dial from your mobile phone (the kind that starts with an asterisk “*” and ends with the “#”). USSD stands for Unstructured Supplementary Service Data. It’s a technology built into every mobile phone service, and it means you can send commands to the bank from your phone without an internet connection.

For Fidelity Bank, their USSD service is called *770# (often called the “My 770 Instant Banking” service). Here’s what it gives you:

• You dial *770#, then follow prompts to transfer money, check your balance, buy airtime, etc.
• It works anytime (24/7) and on any phone (smartphone or basic feature phone) because it doesn’t require data.
• You can transfer money within Fidelity Bank and to other Nigerian banks using it.

Why Is This Useful?

• If you’re somewhere offline (no WiFi or mobile data) you can still bank.
• It’s fast – a few seconds.
• Convenient: no need to visit the branch or queue.

So when someone says “Fidelity USSD”, that’s essentially what they mean: the *770# service which gives mobile banking from your phone, with or without internet.

Also Read: How To Get A Loan With Zenith Bank: Step By Step Process

How Do I Activate My Fidelity Bank Transfer Code

Activation is the key step: how you set yourself up to use *770# for transfers. Here’s a simplified process:

• Ensure your mobile number is registered with Fidelity Bank. The mobile phone number you will use on *770# must be the one the bank has you registered with. If it’s not, go into a branch or call customer service to update your number.
• Dial the USSD code: On your phone, dial *770# and follow the prompts. That’s your entry point.
• Set your PIN: You will be prompted to set a secure PIN (Personal Identification Number). This PIN protects your USSD banking so that only you can execute transactions.
• Agree and follow instructions: Once you’ve set the PIN, you’ll see a menu of options (check balance, transfer, buy airtime, etc.).
• Test a small transaction: To make sure it works, you might try a small transfer from your account to another or a friend’s number to confirm.

If you run into any trouble activating, you can visit a Fidelity branch or call their customer service. Some banks require you to have an account already open and the mobile number properly linked before activation.

Also Read: UBA Bank USSD Code For Transfer: [UPDATED] 2025/2026

What Are The Codes For Fidelity Bank Transfers

Now, let’s look at the actual codes you use for transferring with Fidelity. These can be thought of as “shortcuts” once you have dialled *770#. According to multiple sources:

• To transfer to another Fidelity Bank account: *770*ACCOUNT*AMOUNT#
• To transfer to another bank (not Fidelity): *770*ACCOUNT*AMOUNT# (with the beneficiary account number being that of the other bank)
• To check balance: *770*0#
• To buy airtime for self: *770*AMOUNT#
• To buy airtime for others: *770*PHONE NUMBER*AMOUNT#
• Cardless withdrawal (meaning you withdraw cash from an ATM without your card): *770*8*AMOUNT#

Example: If you want to transfer ₦10,000 to account number 5050123456 in Fidelity Bank, you dial:*770*5050123456*10000#Then you will be prompted for your PIN to complete the transaction.

Important: Always ensure you dial carefully, including the account number and amount, and never share your PIN with anyone.

How Do I Activate My Fidelity Account Via SMS

While the main focus here is USSD, many people ask: can I activate or register via SMS? For Fidelity Bank, the main registration is via the USSD service, branch visit or online banking. I did not find a clear public method saying that you “activate your Fidelity account via SMS only”.

However, some banks send SMS notifications to confirm registration, and you might receive an SMS from Fidelity after setting up USSD. If you’d rather do SMS registration: visit a branch or call the bank support line and ask them to link your mobile number and enable your profile for mobile/USSD banking.

If you already have an account and simply want alerts via SMS, you may go to *770# and choose alert settings, or request via branch. The USSD menu shows an alert-option: 7702# (choose alert type) according to one source.

In short: SMS activation in isolation may not be prominently supported or documented; USSD is primary. If SMS-only activation is needed, contact the bank’s customer service for clarity.

What Is The USSD Code For Fidelity Mobile Banking

The root USSD code (meaning the first code you always dial) for Fidelity Bank mobile banking is: *770#This is the starting point for all transactions.

Once you dial *770#, a menu appears with options like transfer funds, buy airtime, check balance, etc. From there you select the option you want by entering the menu number or follow further prompts.

You might also see codes embedded like *770*…# depending on what you choose (transfer, etc.). But the base is *770#.

How To Get Token For Fidelity Bank Transfer

Sometimes banks ask for a token (or one-time code) to authenticate a transaction or for cardless withdrawals. With Fidelity Bank:

For cardless withdrawal via USSD: you dial *770*8*AMOUNT# and follow prompts. That will generate a pay code (token) which can be used at ATM to withdraw without your card. For security, when you are transferring, you enter your PIN (this acts as token/authorization) after submitting the amount and account number.

If you are asked for a token outside the USSD flow (for example via SMS or the mobile app) you should contact Fidelity’s customer service to understand the process for your account type. Always ensure that token generation is done through official channels and you do not share the token with anyone.

How To Activate Fidelity Mobile Banking

To activate mobile banking with Fidelity beyond USSD (for example via their mobile app or Internet banking), follow these general steps (note: exact steps may vary):

• Ensure you have an active Fidelity Bank account and your mobile number is properly registered.
• Download the Fidelity Bank mobile app (search “Fidelity Bank Nigeria” in your phone’s app store) or use their online banking portal.
• Enrol/register the app: set up your login, set or reset PIN, accept terms and conditions.
• If linking for the first time, you may need to:enter your account number, BVN (Bank Verification Number) or other KYC details.Link your mobile number if not already linked.
• Once setup is complete, log in and explore features: transfer funds, view statements, pay bills, etc.
• For extra security: enable biometric login (if your device supports it) and set up alerts.
• Should you face issues, visit a Fidelity branch or call customer support.

Since USSD banking (*770#) works without installation and without Internet, some users consider that their mobile banking. But “mobile banking” via app or internet has richer features.

What Is The Smart Code For Fidelity

“Smart code” is sometimes used to refer to the USSD code or a particular shortcut code for smart banking features. For Fidelity Bank, the commonly referenced “smart code” is still *770# – the USSD code. There may also be sub-codes like *770*8*AMOUNT# for cardless withdrawal.

So if someone says “smart code for Fidelity”, ask them: do they mean the root USSD code or a specific function within the USSD menu? For simplicity, remember: *770# is the smart code.

Fidelity Bank Transfer Code Not Working

If you dial *770# (or the relevant code) and it is not working, here are possible reasons and what to do:

Possible reasons:

• Your mobile number is not linked or registered with your Fidelity account.
• The USSD service will fail if the number does not match the bank’s records.
• You might not have activated USSD banking yet (you might not have set the PIN).
• Your phone network signal is weak or you’re in a dead zone (USSD requires a good network connection) There may be network or system issues at the bank – sometimes maintenance or downtime.
• Your account might be inactive, blocked, or under some restriction (e.g., you haven’t complied with KYC or your BVN is not updated).
• You may have reached limits (e.g., daily transfer limit) and the system rejects further codes.

What To Do:

• Ensure your mobile number is correctly registered with Fidelity Bank.
• If not, visit a branch or call the bank to update it.Check that you have set your USSD PIN and completed registration.
• Try again in a strong network coverage area.If error persists, call Fidelity Bank’s customer service – ask if there are any system issues or if your account has restrictions.
• As a fallback, visit the branch or use other channels (mobile app, internet banking) until the USSD service is restored.

What Is The USSD Code For Fidelity Transfer To Another Account

If you want to transfer money from your Fidelity Bank account to another bank account (not within Fidelity), you still use the *770# service, and here is the typical flow:

• On your phone, dial:*770*BeneficiaryAccountNumber*Amount#(Replace “BeneficiaryAccountNumber” with the account number of the other bank, and “Amount” with the figure you wish to transfer.)
• Enter your PIN when prompted.
• Follow any further prompts (sometimes you might need to select “Other Banks” or confirm the bank name) – depending on updates.
• Wait for confirmation message that the transfer was successful.

Example: To transfer ₦5,000 to account 1234567890 in another bank, you might dial:*770*1234567890*5000#Then you follow through the prompts. Always double-check the account number and amount. Mistakes can be hard to reverse.

How can I Transfer Money From Fidelity Bank To Another Bank

Expanding on the previous point, here’s a step-by-step guide to transferring money from your Fidelity Bank account to another bank:

• Ensure you are registered for the *770# service and your mobile number is correctly linked.
• Dial your base USSD code: *770#
• Select the “Transfer” option from the menu (some menus label it “Transfer to other banks”).
• When prompted, enter:the beneficiary’s bank account number (in the other bank)the amount you wish to sendyour PIN for approval
• Confirm the details (bank name will often show automatically).
• Wait for the confirmation message – both you and the beneficiary should get SMS notifications if everything is correct.
• Verify that the money has arrived in the other bank account (depending on network, this can be immediate, or a few minutes). Usually it is instant. For example, Fidelity’s page says it allows “transfer funds … anywhere, anytime, and to any bank in Nigeria, instantly.”

Notes/Tips

• :Keep your PIN secure; never disclose it.
• Some banks may impose transfer limits (for example, a single transaction cap, or daily cap).
• For Fidelity, one source lists: single transaction limit ₦20,000; daily limit ₦100,000.
• If you regularly transfer large amounts, check with the bank to ensure the transaction size is supported.
• Always confirm the beneficiary account number and bank to avoid sending money to the wrong place.

What Is The 30-Day Rule For Fidelity

In the context of many banks, a “30-day rule” might refer to minimum period before changing account tier, or restrictions on inactivity, etc. For Fidelity Bank Plc, however, I did not locate a publicly documented “30-day rule” meaning exactly that phrase (at the time of writing).

If someone refers to “the 30 day rule” for Fidelity Bank, here are possible interpretations:

• It could mean that after opening an account you must wait 30 days before some feature is unlocked (e.g., full access to USSD or online banking).
• It could pertain to transactions or account activity (e.g., accounts inactive for 30 days may be flagged).It might be an internal bank policy not publicly documented.

Recommendation: If you heard this phrase from your branch or advisor, ask them exactly what “30 day rule” means in your specific case (whether it relates to your type of account, minimum deposit, inactivity, etc.). The lack of a clear public reference means you should treat it with caution until you confirm.

Conclusion

The Fidelity Bank transfer code (essentially *770#) is a powerful tool that lets you perform many banking services from your mobile phone—fast, conveniently, without having to go to a branch.

From checking your balance to transferring money (within Fidelity or to other banks), buying airtime, and even cardless withdrawals, the code is your gateway to mobile banking with Fidelity.

We walked through what USSD is, how to activate the service, what the specific codes are for various transactions, what to do when things don’t work, how to transfer to other banks, and a note on the “30-day rule”.

At the end you’ll find some frequently asked questions that cover related account-issues you might be curious about (minimum balances, fees, etc.).By understanding this service and following the simple steps above, you can take advantage of mobile banking with confidence and security.

Frequent Asked Questions – FAQs

Here are answers to many common questions about Fidelity Bank accounts and usage.

What Is The Minimum Balance For Fidelity

For the Fidelity Individual Current Account, the minimum operating balance is “zero” (i.e., no required minimum) according to their site.

For the Savings Account, there is a minimum operating balance of ₦5,000 in one of the plans.

For other variants (business accounts, premium accounts) minimums differ. Always check the specific account type.

How Much Money Should I Put In My Fidelity Account

This depends on your purpose:

If you just want a regular account for daily banking, depositing initial amount that covers your expected monthly transfers/expenses is fine.

If you want to earn interest (on savings), the more you deposit (and leave undisturbed) generally the better. Always ensure you maintain any required minimum operating balance to avoid charges.

How Much Does Fidelity Charge Per Account

For the Individual Current Account: maintenance fee is charged “N1 per mille” (i.e., ₦1 for every ₦1,000) if the balance goes below the minimum operating balance (which is zero) – effectively minimal.

Other account types (premium, business) may have different charges.

For USSD transfers, fees may apply depending on type of transaction: one source states the bank “charges a small fee” for transfers.

Is It Safe To Put All Your Money In Fidelity

Fidelity Bank is a regulated Nigerian bank with multiple products and services.As with any bank, diversification is wise (e.g., not placing all funds in one account if you can avoid it).

Make sure you keep your BVN updated, your mobile number secured, and enable alerts.

Note: I found a news report that Nigeria’s data-protection agency fined Fidelity Bank for certain data issues. This does not necessarily mean your money is unsafe, but it indicates you should keep your details secure and monitor your account.

Does Fidelity Have A Monthly Fee

For many of its individual accounts (e.g., Individual Current Account), there is no fixed monthly fee if you maintain the required balance. For premium/business accounts, other conditions apply. Check the specific account’s terms.

How Much Money Do I Need To Open A Fidelity Account

For the Savings account: you can “open with any amount” for certain variants (e.g., Easi-Save). For the Bridge Account: zero opening balance for that special product. So you don’t necessarily need a large amount to open—though maintaining minimum operating balance may matter later.

What Is The ATM Withdrawal Limit For Fidelity

According to the FAQ on Fidelity’s site: using a Fidelity Bank card at a Fidelity Bank ATM, the daily withdrawal limit is ₦60,000 per day. Note: this may differ if you use POS, other banks’ ATMs or the cardless withdrawal method.

Does Fidelity Have A Mobile App

Yes. Fidelity Bank offers digital banking services including mobile app, online banking and USSD. Their “Digital Banking” page states you can perform banking effortlessly with *770#. Search your phone’s app store for “Fidelity Bank Nigeria” to download the official app.

Does Fidelity Charge An ATM Fee

Banking often has fees set by the bank and/or ATM operator. I did not locate a publicly-published flat fee for all ATM withdrawals in the sources I reviewed. It is best to check the latest fee schedule on Fidelity’s official website or contact a branch.

Can I Use My Fidelity Card Abroad

Fidelity Bank provides domiciliary (foreign-currency) accounts and international transfer services. For example, their offshore bank details show SWIFT codes for inflows from other countries. Usually, using your Nigerian Naira debit card abroad depends on international activation and currency conversion. It is best to check with Fidelity to ensure your debit card is enabled for international usage and to confirm any fees.

Can I Receive Money From Abroad To My Fidelity Account

Yes, Fidelity Bank allows inward transfers via SWIFT for foreign currencies. Their documentation shows correspondent bank details and SWIFT codes. Ensure you send the correct bank details, account name, SWIFT code (e.g., FIDTNGLA) and other required information. Transfer times and charges apply (depending on the sending country/bank).

Does Fidelity Bank Accept International Transfers

Yes. Their SWIFT/international transfer details indicate inbound transfers in USD, EUR, GBP. If you are sending from abroad into your Fidelity Nigerian account, ensure your sender uses the correct details and you check with Fidelity about any fees, processing time, and currency conversion.

How Long Do Fidelity International Transfers Take

While I didn’t find a publicly-documented time specifically for all inbound/outbound international transfers for Fidelity, typical SWIFT transfers can take 1-5 business days depending on the sending bank, intermediary banks, currency, country and cut-off times. Because the process involves correspondent banks (for example via Citibank) as shown in the documents. If you need a precise estimate, contact Fidelity’s international banking desk for your country/pair of currencies.

For more information on fidelity bank transfer code, visit this blog post, https://www.fidelitybank.ng/personal-banking/personal-e-banking/my-770