Fidelity Bank Ussd Code

A Comprehensive Guide to Fidelity Bank’s USSD Codes

Fidelity Bank is one of the top commercial banks in Nigeria with over 5 million customers. The bank offers a wide range of financial services including savings and current accounts, loans, mortgages, trade finance, and more. One of the most popular ways to access Fidelity Bank’s services, especially for customers without smartphones, is through Unstructured Supplementary Service Data (USSD) codes.

USSD codes allow customers to access banking services directly from their mobile phones without needing mobile data or an internet connection. All you need to use USSD is a phone number linked to your Fidelity account. Dialing the USSD code opens up a session where you interact with the bank’s system via menu prompts to complete transactions and access services.

In this comprehensive guide, we will explore all of Fidelity Bank’s USSD codes and how to use them to enjoy seamless banking on-the-go.

Fidelity Bank Ussd Code


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Access Bank USSD Codes

Overview of Fidelity Bank’s USSD Platform

Fidelity Bank’s USSD platform is dubbed “Fidelity QuickBanking“. The main USSD code to access the platform is *770# or *321#. Once you dial either code, you will be presented with the following menu:

  1. Account Enquiry
  2. Airtime Purchase
  3. Transfer to Own Accounts
  4. Transfer to Other Fidelity Accounts
  5. Transfer to Other Banks
  6. Cable TV Payment
  7. Betting Payment
  8. Electricity Bills Payment
  9. Internet Data Purchase 10.more…

Selecting any of the menu options will take you to the specific service to carry out transactions. The USSD platform allows you to check account balance, buy airtime, transfer money to Fidelity and other bank accounts, pay bills, and much more.

The system uses interactive prompts to guide you in entering the right information to complete transactions. You will be required to enter things like amount, account numbers, meter numbers etc using your phone keypad.

Step-by-Step Guide to Using Fidelity Bank’s USSD Codes

Now let’s take a detailed look at how to use Fidelity’s USSD codes for different transactions:

Check Account Balance

To check your Fidelity account balance:

  • Dial _770_0# or _321_0#
  • Select ‘Account Enquiry’ from the menu
  • Select ‘Account Balance’
  • Enter your account number followed by #
  • Your account balance will be displayed

Checking balance using USSD is fast, convenient, and real-time. You don’t need to wait for SMS alerts or call customer care.

Transfer Money to Fidelity Bank Account

To transfer money from your Fidelity account to another Fidelity account:

  • Dial 770 or 321#
  • Select ‘Transfer to Other Fidelity Accounts’
  • Enter the beneficiary’s account number followed by #
  • Enter the transfer amount followed by #
  • Enter your 4-digit transaction PIN followed by #
  • Confirm details and select ‘1’ to proceed
  • You will get a notification that the transfer is successful

Money transfers via USSD happen instantly. The beneficiary will receive the alert immediately.

Transfer Money to Other Bank Accounts

Transferring money to other banks is just as easy. Follow the steps below:

  • Dial 770# or 321
  • Select ‘Transfer to Other Banks’
  • Select the beneficiary’s bank from the list
  • Enter the beneficiary’s account number followed by #
  • Enter the transfer amount followed by #
  • Enter your transaction PIN followed by #
  • Confirm details and select 1 to proceed
  • You will receive a notification once the transfer is done

The beneficiary bank will receive the transfer almost instantly for the beneficiary to access the funds.

Buy Airtime

To buy airtime for your phone or someone else’s number using Fidelity’s USSD:

For your phone

  • Dial 770# or 321#
  • Select ‘Airtime Purchase’
  • Select ‘Buy Airtime (Self)’
  • Enter amount followed by #
  • Confirm details and select 1 to proceed
  • Your airtime will be credited instantly

For another number

  • Dial 770# or 321#
  • Select ‘Airtime Purchase’
  • Select ‘Buy Airtime (Others)’
  • Enter the recipient’s phone number followed by #
  • Enter amount followed by #
  • Confirm details and select 1
  • Airtime will be sent to the number instantly

Buying airtime via USSD is super fast and convenient without even needing to leave your chat or call.

Pay Bills

You can pay bills quickly and easily via Fidelity’s USSD including:

  • Cable TV (DSTV, GoTV, StarTimes etc)
  • Electricity
  • Internet data plans
  • Betting platforms
  • And more

Here is the process for paying bills:

  • Dial *770# or *321#
  • Select ‘Bill Payments’
  • Choose the bill type you want to pay (DSTV, GOTV, etc)
  • Enter your smartcard number or meter number followed by #
  • Enter amount to pay followed by #
  • Confirm details and enter 1 to proceed
  • You will get a notification once the payment is made

USSD bill payment is super fast and helps you avoid late payments or service disruption.

Complete List of Fidelity Bank’s USSD Codes

Here is a quick reference list of all the USSD codes you can dial to access Fidelity Bank services directly from your mobile phone:

  • *770# – Main USSD code
  • *321# – Alternate USSD code
  • 7700# – Check account balance
  • 770Account number*Amount# – Transfer to Fidelity account
  • 770Account number*Amount# – Transfer to other bank
  • 770Amount# – Buy airtime self
  • 770Phone number*Amount# – Buy airtime others
  • 770Merchant code*Amount# – Cable TV payment
  • 770Merchant code*Amount# – Electricity payment
  • 770Merchant code*Amount# – Internet data plans
  • 770Merchant code*Amount# – Betting platforms

Benefits of Using Fidelity Bank’s USSD

Using Fidelity Bank’s USSD codes provides the following benefits:

Convenience – Access banking on-the-go from any type of phone without internet

Safety – No need to carry cash or cards; safe direct transactions

Speed – Instant services like balance check, transfers, payments etc

24/7 availability – USSD banking works at any time of day or night/holidays

No hidden costs – Same transfer/transaction rates as mobile app and internet banking

User-friendly – USSD menus and prompts are intuitive and easy to navigate

Inclusiveness – Useful for customers in remote areas without smartphones/data

Reliability – USSD has high uptime and availability across all networks

Fidelity Bank USSD: Frequently Asked Questions

Here are answers to some frequently asked questions about Fidelity Bank’s USSD platform:

Is Fidelity Bank’s USSD code free?

Yes, Fidelity Bank’s USSD is completely free to use. You only pay your normal call rates/bundle rates. There are no extra costs.

Do I need to register before using the USSD?

No registration is required. As long as you have a Fidelity account number, you can start using the USSD instantly.

Which phone networks can use the USSD service?

Fidelity’s USSD works seamlessly on all GSM networks in Nigeria including MTN, Airtel, 9mobile, and Glo.

Can I get a transaction alert after using USSD?

Yes, you will receive SMS and email alerts for any transactions done via the USSD platform.

Is there a limit on the amount I can transfer via USSD?

Individual transfers via USSD are usually capped at N200,000 daily. You can confirm exact limits by contacting customer service.

How do I retrieve my PIN if I forget it?

You can retrieve your forgotten PIN by calling the customer service helpline or visiting your home branch. Avoid sharing your PIN with others.

Is the USSD platform available 24/7?

Yes, Fidelity’s USSD can be accessed at any time of day. However, some maintenance downtime occurs at night.

Can I access it outside Nigeria?

Unfortunately, Fidelity’s USSD codes only work within Nigeria for now. You can use their mobile app or online banking outside Nigeria.


Fidelity Bank’s USSD platform provides a simple yet powerful way to enjoy banking on-the-go directly from your mobile phone without internet. The *770# and *321# codes give you quick access to check balance, buy airtime, transfer funds, pay bills and more.


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