Fidelity Bank USSD Codes in Nigeria (2026)

Fidelity Bank’s USSD banking service allows customers to perform transactions directly from their mobile phones without needing an internet connection. Whether you want to transfer money, buy airtime, check your account balance, pay bills, open an account, or apply for a loan, Fidelity Bank’s USSD code provides a fast and convenient way to access banking services anytime and anywhere. The service works on both smartphones and feature phones and is available on all major Nigerian networks. This guide covers all the important Fidelity Bank USSD codes in Nigeria for 2026 and explains how to use them.

What Is the Fidelity Bank USSD Code?

The official Fidelity Bank USSD code is:

*770#

This code gives customers access to Fidelity Bank’s Instant Banking platform, allowing them to carry out a wide range of transactions without visiting a branch or using the mobile app.

How to Activate Fidelity Bank USSD Banking

Before using the service, you need to activate it.

Requirements

• An active Fidelity Bank account.
• A phone number linked to your account.
• A mobile phone with network coverage.
• A USSD PIN for transaction authorization.

Activation Steps

1. Dial *770#.
2. Select the activation option.
3. Follow the prompts.
4. Create a secure 4-digit PIN.
5. Confirm the PIN.

Once activated, you can access all Fidelity Bank USSD services.

Fidelity Bank USSD Codes and Their Functions

Service	USSD Code
Main Menu	*770#
Check Account Balance	7700#
Buy Airtime for Self	770Amount#
Buy Airtime for Others	770Amount*PhoneNumber#
Transfer Money	*770#
Open Account	*770#
Apply for Loan	77008#
Pay Bills	*770#
Check BVN	5650#
Block ATM Card	770911#
Merchant Payment	77022MerchantCodeAmount#

Most services can also be accessed through the main *770# menu.

Fidelity Bank Transfer Code

One of the most frequently used Fidelity Bank services is money transfer.

How to Transfer Money

1. Dial *770#.
2. Select Transfers.
3. Choose whether you are transferring to a Fidelity account or another bank.
4. Enter the recipient’s account number.
5. Enter the amount.
6. Confirm using your PIN.

The transfer is usually completed instantly.

Transfer Limits

Fidelity Bank states that Instant Banking supports transfers with daily transaction limits subject to the bank’s policies and account profile.

Fidelity Bank Airtime Recharge Code

You can recharge your phone directly from your Fidelity account.

Recharge for Yourself

Dial:

*770*Amount#

Example:

*770*500#

This will purchase ₦500 airtime for your phone number.

Recharge for Others

Dial:

*770*Amount*PhoneNumber#

Example:

*770*1000*08012345678#

The airtime will be credited to the specified number.

Fidelity Bank Code for Balance Check

To check your account balance:

*770*0#

You may be asked to enter your transaction PIN before your balance is displayed.

Fidelity Bank Code for Account Opening

Fidelity Bank allows customers to start the account opening process through USSD banking.

Steps

1. Dial *770#.
2. Select Open Account.
3. Follow the instructions.
4. Provide the requested details.

The bank will guide you through the account creation process.

Fidelity Bank Loan Code

Fidelity Bank offers digital loan services through USSD.

Apply for a Loan

Dial:

*770*08#

Then:

1. Select Apply for Loan.
2. Follow the prompts.
3. Confirm your request.

Eligible customers can receive loan offers directly through the platform.

Repay a Loan

To repay an existing loan:

1. Dial *770*08#.
2. Select Pay Loan.
3. Follow the instructions.

Fidelity Bank Code for Bill Payments

Fidelity Bank USSD banking supports payment for:

• Electricity bills.
• Cable TV subscriptions.
• Mobile data.
• Government payments.
• Other supported services.

Steps

1. Dial *770#.
2. Select Pay Bills.
3. Choose the service provider.
4. Enter the required details.
5. Confirm payment.

Fidelity Bank Merchant Payment Code

Customers can pay merchants directly through USSD.

Dial:

*770*22*MerchantCode*Amount#

Example:

*770*22*12345678*5000#

This allows instant payments to registered merchants.

How to Block Your Fidelity Bank ATM Card

If your ATM card is lost or stolen, you can block it immediately.

Dial:

*770*911#

Follow the prompts to deactivate your card and prevent unauthorized transactions.

Benefits of Fidelity Bank USSD Banking

No Internet Required

Transactions can be completed without mobile data or Wi-Fi.

Works on All Phones

The service supports both smartphones and basic feature phones.

Available 24/7

Customers can access banking services at any time.

Secure Transactions

PIN authentication helps protect customer accounts.

Common Fidelity Bank USSD Problems

USSD Code Not Working

Possible causes include:

• Poor network signal.
• Using an unregistered phone number.
• Temporary network downtime.

Incorrect PIN

Multiple failed PIN attempts may temporarily restrict access.

Transfer Failure

Verify account details and ensure sufficient funds are available before retrying.

Frequently Asked Questions

What is the Fidelity Bank USSD code?

The official Fidelity Bank USSD code is *770#.

How do I check my Fidelity Bank account balance?

Dial *770*0# and follow the prompts.

Can I transfer money using Fidelity Bank USSD?

Yes. Dial *770#, select Transfers, and follow the instructions.

What is the Fidelity Bank loan code?

The loan application code is *770*08#.

Can I buy airtime with Fidelity Bank USSD?

Yes. Dial *770*Amount# for yourself or *770*Amount*PhoneNumber# for another user.

Conclusion

Fidelity Bank’s *770# Instant Banking service remains one of the easiest ways to access banking services in Nigeria without internet access. From transfers and airtime purchases to balance checks, bill payments, account opening, and loan applications, the platform provides a convenient solution for everyday banking. By using the correct USSD codes and keeping your transaction PIN secure, you can manage your finances quickly and safely from any mobile phone in 2026.