Fidelity Bank USSD Codes in Nigeria (2026)

Most people do not think about USSD banking until they urgently need it. It could be that your mobile app refuses to open, or your internet connection is unstable, but you need to transfer money immediately, buy airtime, or confirm whether a payment has arrived. In moments like these, all you need (as a Fidelity Bank user) is Fidelity Bank USSD codes in Nigeria.

By dialing *770#, you can access essential banking services directly from your phone. You don’t need mobile data or to download an app, and without visiting a branch. For many Nigerians, this remains one of the simplest and most reliable ways to access their money.

Hence, this guide shows you the complete list of Fidelity Bank USSD codes in Nigeria for 2026, along with step-by-step instructions, transaction charges, security tips, and solutions to common issues.

Fidelity Bank USSD Code (Quick Answer)

The official Fidelity Bank USSD code is *770#.

Once activated, this single code gives you access to virtually all essential banking services directly from your mobile phone.

With *770#, you can:

• Transfer money to Fidelity Bank and other Nigerian banks
• Buy airtime for yourself or another number
• Purchase mobile data
• Check your account balance
• Pay utility bills and subscriptions
• Open a new Fidelity Bank account
• Reset your USSD PIN
• Secure your account if your phone is lost or stolen

What You Need to Use Fidelity Bank USSD

Before you can use the service, you need:

• An active Fidelity Bank account
• A phone number linked to that account
• A registered 4-digit USSD PIN
• An adequate account balance for the transaction you want to perform

Once setup is complete, you can bank 24/7 from any mobile phone on MTN, Airtel, Glo, or 9mobile without internet access.

Complete List of Fidelity Bank USSD Codes in Nigeria (2026)

Service	Fidelity Bank USSD Code
Main Menu	*770#
Check Account Balance	*7700#
Buy Airtime for Self	*770Amount*PhoneNumber#
Buy Airtime for Others	*770Amount*PhoneNumber#
Transfer Money	*770#
Buy Data	*770#
Pay Bills	*770#
Open New Account	*770#
Block Account	*770#
Reset USSD PIN	*770#

How to Activate Fidelity Bank USSD Banking

If you are using Fidelity Bank USSD for the first time, activation takes only a few minutes. After activation, your phone number becomes authorized for USSD transactions.

1. Dial *770# from the phone number linked to your Fidelity Bank account.
2. Select the registration option.
3. Enter your account number if requested.
4. Verify your identity.
5. Create a secure 4-digit PIN.
6. Confirm the PIN.

How to Transfer Money Using Fidelity Bank USSD

To send money to any bank in Nigeria:

1. Dial *770#.
2. Select Transfers.
3. Choose the recipient’s bank.
4. Enter the account number.
5. Input the amount you want to send.
6. Confirm the recipient’s name.
7. Enter your PIN to complete the transaction.

How to Check Your Fidelity Bank Account Balance

To view your available balance instantly:

Dial *770*0#

Enter your PIN if prompted, and your current account balance will appear on your screen.

This is one of the fastest ways to confirm salary payments, incoming transfers, or your available funds.

How to Buy Airtime Using Fidelity Bank USSD

Buy Airtime for Yourself

Dial:

*770*Amount#

Example:

*770*500#

This purchases ₦500 airtime for your registered phone number.

Buy Airtime for Another Number

Dial:

*770AmountPhoneNumber#

Example:

*770100008012345678#

The airtime is credited immediately after confirmation.

How to Buy Data with Fidelity Bank USSD

1. Dial *770#.
2. Select Data Purchase.
3. Choose the mobile network.
4. Select your preferred data plan.
5. Confirm the transaction with your PIN.

This works for MTN, Airtel, Glo, and 9mobile.

How to Pay Bills Using Fidelity Bank USSD

Dial *770# and select Bill Payments.

You can pay for:

• Electricity bills
• DSTV, GOtv, and Startimes subscriptions
• Internet services
• Betting wallets
• Other supported merchants
• Follow the prompts and authorize payment with your PIN.

How to Open a Fidelity Bank Account Using USSD

If you do not already have a Fidelity Bank account, you can open one directly from your phone.

1. Dial *770#.
2. Select Open Account.
3. Follow the prompts and provide the required information.
4. Your new account number will be generated and sent to you by SMS.

How to Block Your Fidelity Bank Account

If your phone is lost, stolen, or you suspect unauthorized access, you should secure your account immediately.

Dial *770# and navigate to the security options to block your account and prevent further transactions.

You can also contact Fidelity Bank customer care for additional assistance.

How to Reset Your Fidelity Bank USSD PIN

To change or reset your PIN:

1. Dial *770#.
2. Select PIN Management.
3. Complete the verification process.
4. Create and confirm a new PIN.

Choose a PIN that is difficult to guess and never share it with anyone.

Fidelity Bank USSD Charges in Nigeria

These Fidelity Bank USSD charges may change over time, so always review the confirmation screen before authorizing a transaction. Typical charges include:

• USSD session fee: Approximately ₦6.98 per session
• Transfer fees: Standard CBN-approved charges
• Airtime and data purchases: Usually, no extra service charge beyond the purchase amount

Common Fidelity Bank USSD Problems and Solutions

Here are the common Fidelity Bank USSD problems and solutions; 

1. USSD Code Not Working

Ensure you are dialing from the phone number linked to your account and that you have a stable network signal.

2. Incorrect PIN

Use the PIN reset option under *770# to create a new PIN.

3. Transaction Failed

Check that you have sufficient funds and that the recipient details are correct.

4. Session Timeout

Restart the transaction and complete the steps more quickly.

5. Lost Phone

Use the account blocking feature immediately to prevent unauthorized access.

Security Tips for Using Fidelity Bank USSD

To keep your account safe:

• Never share your PIN
• Verify recipient details before sending money
• Block your account immediately if your phone is lost
• Avoid performing transactions on borrowed devices
• Keep your registered phone number secure

Frequently Asked Questions About Fidelity Bank USSD Codes in Nigeria

Here are some of the frequently asked questions about Fidelity Bank USSD codes in Nigeria; 

Question 1: What is the Fidelity Bank USSD code?

The official Fidelity Bank USSD code is *770#.

Question 2: What is the code to check my Fidelity Bank account balance?

Dial *770*0#.

Question 3: Can I transfer money without the Fidelity mobile app?

Yes. Dial *770# and select the transfer option.

Question 4: Does Fidelity Bank USSD work without internet?

Yes. USSD works entirely through your mobile network.

Question 5: Can I use Fidelity Bank USSD on any network?

Yes. The service works on MTN, Airtel, Glo, and 9mobile.

Question 6: How do I secure my account if my phone is stolen?

Use the security options under *770# to block your account immediately.

Conclusion

Fidelity Bank USSD codes make banking simple, fast, and accessible from any mobile phone in Nigeria. With *770#, you can transfer money, buy airtime and data, pay bills, check your balance, open an account, and secure your funds without relying on internet access.

Whether you are dealing with poor connectivity, using a basic phone, or simply need a faster way to bank, Fidelity Bank USSD remains one of the most practical and dependable banking tools available in Nigeria in 2026.

Reference

Fidelity Bank USSD Codes in Nigeria (2026) – Ricki

My 770 Instant Banking – Fidelity Bank Plc | Buy Airtime, Pay Bills & more  

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