If you bank with Fidelity Bank, you’ve probably already heard of *770#.
It’s the code that opens up Fidelity Bank’s USSD menu, letting you handle transactions right from your phone without mobile data.
No internet, no Wi-Fi, — just dial it and you’re in.
From there, you can transfer money, top up airtime, check your balance, settle bills, and keep your account in check, all from the keypad.
For instance? Dial *770*0# and you’ll see your balance in seconds.
Need airtime? Dial *770*Amount# and that sorts it out.
And if you’re sending money to someone, just follow the prompts after dialing *770#, it walks you through it step by step.
The best part is that it works across every network in Nigeria and on basically any phone you own, smartphone or not.
That’s what makes it such a solid option for offline banking.
Popular Fidelity Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Fidelity Bank Main Menu | *770# |
| Check Account Balance | *770*0# |
| Transfer Money | *770# → Transfers |
| Buy Airtime for Self | *770*Amount# |
| Buy Airtime for Others | *770*Amount*PhoneNumber# |
| Pay Bills | *770# → Pay Bills |
| Open Fidelity Bank Account | *770*01# → Open Account |
| Block Account / Security | *770# → Security Options |
These codes give you full control over your account without needing data.
Just one rule of thumb: Always dial from the phone number tied to your account, and never let your PIN out of your sight.
About Fidelity Bank
Fidelity Bank Plc has built a name for itself as one of Nigeria’s top commercial banks, serving everyone from individual customers to SMEs and large corporate clients.
Its digital banking lineup covers transfers, bill payments, airtime, savings, and loans—pretty much everything you’d expect from a modern bank.
Sure, the Fidelity Mobile App comes packed with extra features, but USSD banking through *770# is still the dependable fallback whenever your internet decides to act up.
In this article, we’ll cover every Fidelity Bank USSD code worth knowing, how to get USSD banking activated, what it costs, the errors people run into, and the safety tips that’ll keep your account protected.
What Is Fidelity Bank USSD?
In simple terms, it’s a way to bank using short codes dialed straight from your phone with no data required.
It comes in handy when you:
- Have slow or no internet connection
- Need urgent transfers
- Want quick airtime recharge
- Cannot access the Fidelity app
- Use a basic feature phone.
It’s fast, it’s secure, and it works on every Nigerian SIM card out there.
Official Fidelity Bank USSD Code in Nigeria (2026)
The one code to remember is *770#. Dial it, and you’ve got the whole USSD menu at your fingertips.
Transfers, airtime, bill payments, balance checks, account services—all of it.
Here’s a rundown of the codes people use most:
- *770# — Main USSD menu
- *770*0# — Check account balance
- *770*Amount# — Buy airtime for yourself
- *770*Amount*Phone Number# — Buy airtime for others
- *770# → Transfers — Send money
- *770# → Pay Bills — Utility payments
- *770*01# → Open Account — New Fidelity account.
How To Activate Fidelity Bank USSD Banking
Getting set up isn’t complicated. Here’s what you need:
- Have an active Fidelity Bank account (or open one via *770#)
- Use the phone number linked to your account
- Ensure good network signal
- Dial *770#
- Create a 4-digit USSD PIN when prompted.
Once that’s done, you’re free to bank whenever you like — no internet required.
Full Breakdown of Fidelity Bank USSD Codes and Their Uses
1. Fidelity Bank Code for Transfers
Sending money is straightforward:
- Dial *770#
- Select Transfers
- Choose Fidelity Bank or other banks
- Enter amount and recipient details
- Confirm with your PIN.
And it’s not just limited to Fidelity-to-Fidelity transfers.
You can send to Access, GTBank, Premium Trust, Union, First Bank, UBA, FCMB, Ecobank, and pretty much every other bank in Nigeria.
2. Fidelity Bank Code for Airtime
For yourself: Dial *770*Amount#
Example: *770*500# to recharge ₦500.
For someone else: Dial *770*Amount*PhoneNumber#
Example: 770*1000*08012345678#.
The airtime is credited instantly.
3. Fidelity Bank Code for Account Balance
Curious what’s left in your account? Dial *770*0# and enter your PIN if it asks for one. That’s it.
4. Fidelity Bank Code for Utility and Bill Payments
Dial *770#, head to Pay Bills, and you can settle the following:
- Electricity (DISCO/PHCN)
- DSTV, GOTV, StarTimes
- Mobile data subscriptions
- Other supported services.
Just follow whatever pops up on screen to finish the payment.
5. Code to Block Fidelity Bank Account
Lost your phone or had it stolen?
- Dial *770#
- Select Security / Block Account
- Follow the prompts.
That locks your account down immediately, so nobody else can get in.
You can also contact Fidelity Bank customer support directly to freeze the account immediately.
Why Fidelity Bank USSD Is Popular
It’s not hard to see why so many people rely on it; it’s because of the following:
- It works without internet
- Is fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Is protected with PIN security
- Is available 24/7.
How to Set or Reset Your Fidelity Bank USSD PIN
Setting it up for the first time:
- Dial *770#
- Choose Create PIN
- Enter a 4-digit PIN
- Confirm.
Reset your PIN:
- Dial *770#
- Select Forgot PIN
- Verify your details
- Set a new PIN.
And, as always, keep that PIN to yourself.
Fidelity Bank USSD and Transaction Charges
- Dialling *770# itself costs nothing
- Network providers may charge ₦6–₦7 per USSD session
- Transfer fees apply based on CBN-approved charges
- Airtime purchases usually attract no extra fees.
Common Fidelity Bank USSD Errors and How to Fix Them
- USSD not working: Check your network or confirm you’re on the registered SIM
- Incorrect PIN: Reset it via *770#
- Insufficient funds: Top up your account
- Session timeout: Try again somewhere with better signal
- Transaction failed: Double-check your details and retry.
How to Use Fidelity Bank USSD Without the App
App acting up or unavailable? No big deal.
- Just dial *770# from your registered number, and you can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Open an account
- Secure your account.
Think of USSD as your backup plan whenever the app lets you down.
Is Fidelity Bank USSD Safe?
Yes, it is. Fidelity Bank backs it up with:
- 4-digit PIN
- SIM-based authentication
- Account blocking options.
Safety Tips:
- Never share your PIN
- Don’t let strangers use your phone
- Block your account immediately if your phone goes missing
- Always use your registered SIM.
Benefits of Using Fidelity Bank USSD
- Works offline
- Fast transactions
- No app required
- Works on any phone
- Useful in emergencies
- Ideal for rural areas.
Limitations of Fidelity Bank USSD
- Some advanced services require the app
- Network USSD charges may apply
- Sessions may time out during peak hours
- Cannot manage complex banking products.
Frequently Asked Questions About Fidelity Bank USSD Codes
1. What is the main Fidelity Bank USSD code?
*770#.
2. Why is my Fidelity Bank USSD not working?
Could be network issues, the wrong SIM, or service downtime.
3. How do I check my Fidelity Bank balance?
Dial *770*0#.
4. Can I transfer money without the app?
Yes, dial *770# and select Transfers.
5. How do I block my Fidelity Bank account?
Dial *770# and choose the security options.
6. Does Fidelity Bank USSD work on all networks?
Yes! MTN, Airtel, Glo, and 9Mobile, all covered.
7. Is Fidelity Bank USSD free?
Dialing is free; just expect small network charges.
Conclusion
At the end of the day, Fidelity Bank’s USSD codes give you a fast, simple, and secure way to bank without needing data.
With *770#, you can transfer money, buy airtime, check your balance, pay bills, and manage your account, all from your keypad.
So, whether you’re stuck with a basic phone, fighting poor networks, or the app just won’t cooperate, Fidelity Bank USSD has got you covered in 2026 and beyond.
Give it a try today and enjoy!
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