The primary Fidelity Bank USSD code is *770#, which allows customers to perform banking transactions directly from their mobile phones without internet access. By dialing *770#, you can access Fidelity Bank’s USSD menu to transfer money, buy airtime, check account balance, pay bills, and manage your account securely.
For example, dial *770*0# to check your account balance, *770*Amount# to buy airtime for yourself, or follow the on-screen menu after dialing *770# to transfer money to any bank in Nigeria.
Fidelity Bank USSD works on all mobile phones and Nigerian networks, making it ideal for offline banking.
Popular Fidelity Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Fidelity Bank Main Menu | *770# |
| Check Account Balance | 7700# |
| Transfer Money | *770# → Transfers |
| Buy Airtime for Self | 770Amount# |
| Buy Airtime for Others | 770Amount*PhoneNumber# |
| Pay Bills | *770# → Pay Bills |
| Open Fidelity Bank Account | *770# → Open Account |
| Block Account | *770# → Security Options |
These codes allow quick management of your Fidelity Bank account without internet. Always dial from your registered phone number and keep your PIN secure.
About Fidelity Bank
Fidelity Bank Plc is one of Nigeria’s leading commercial banks, serving individuals, SMEs, and corporate clients. The bank offers a wide range of digital banking services including transfers, bill payments, airtime purchases, savings, and loans.
While the Fidelity Mobile App provides advanced features, *Fidelity Bank USSD (770#) remains a reliable alternative when internet access is unavailable or unstable.
This guide covers all Fidelity Bank USSD codes, how to activate USSD banking, transaction charges, common errors, security tips, and everything needed for smooth offline transactions.
What Is Fidelity Bank USSD?
Fidelity Bank USSD is a mobile banking service that allows customers to carry out financial transactions by dialing short codes on their phones, without using mobile data.
USSD banking is ideal 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
USSD is fast, secure, and works on all Nigerian SIM cards.
Main Fidelity Bank USSD Code in Nigeria (2026)
The official Fidelity Bank USSD code is *770#.
After dialing *770#, you can access Fidelity Bank’s full USSD menu, including transfers, airtime purchases, bill payments, balance checks, and account services.
Most used Fidelity Bank USSD codes:
- *770# — Main USSD menu
- 7700# — Check account balance
- 770Amount# — Buy airtime for yourself
- 770Amount*PhoneNumber# — Buy airtime for others
- *770# → Transfers — Send money
- *770# → Pay Bills — Utility payments
- *770# → Open Account — New Fidelity account
How to Activate Fidelity Bank USSD Banking
To use Fidelity Bank USSD:
- 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 activated, you can perform transactions anytime without internet.
Full Breakdown of Fidelity Bank USSD Codes and Their Uses
1. Fidelity Bank Code for Transfers
To transfer money:
- Dial *770#
- Select Transfers
- Choose Fidelity Bank or other banks
- Enter amount and recipient details
- Confirm with your PIN
Transfers work with all Nigerian banks including Access, GTBank, Zenith, First Bank, UBA, FCMB, Ecobank, and others.
2. Fidelity Bank Code for Airtime
For Self:
Dial 770Amount#
Example: 770500# to recharge ₦500
For Others:
Dial 770AmountPhoneNumber#
Example: 770100008012345678#
Airtime is credited instantly.
3. Fidelity Bank Code for Account Balance
To check your balance:
Dial *770*0#
Enter your PIN if prompted.
4. Fidelity Bank Code for Utility and Bill Payments
Dial *770# and select Pay Bills to pay for:
- Electricity (DISCO/PHCN)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Other supported services
Follow the on-screen instructions to complete payment.
5. Code to Block Fidelity Bank Account
If your phone is lost or stolen:
- Dial *770#
- Select Security / Block Account
- Follow the prompts
This immediately secures your account and prevents unauthorized access.
Why Fidelity Bank USSD Is Popular
Fidelity Bank USSD is widely used because 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
First-time setup:
- Dial *770#
- Choose Create PIN
- Enter a 4-digit PIN
- Confirm
Reset PIN:
- Dial *770#
- Select Forgot PIN
- Verify your details
- Set a new PIN
Always keep your PIN private.
Fidelity Bank USSD and Transaction Charges
- Dialing *770# is free
- 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 network or use registered SIM
- Incorrect PIN: Reset PIN via *770#
- Insufficient funds: Fund your account
- Session timeout: Retry in a stronger network area
- Transaction failed: Confirm details and try again
How to Use Fidelity Bank USSD Without the App
If the Fidelity app is unavailable:
- Dial *770# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Open an account
- Secure your account
USSD serves as a reliable backup to mobile banking apps.
Is Fidelity Bank USSD Safe?
Yes. Fidelity Bank USSD is secured with:
- 4-digit PIN
- SIM-based authentication
- Account blocking options
Safety tips:
- Never share your PIN
- Do not allow strangers use your phone
- Block your account immediately if phone is lost
- 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 timeout during peak hours
- Cannot manage complex banking products
Frequently Asked Questions (FAQs)
What is the main Fidelity Bank USSD code?
*770#
Why is my Fidelity Bank USSD not working?
Network issues, wrong SIM, or service downtime
How do I check my Fidelity Bank balance?
Dial 7700#
Can I transfer money without the app?
Yes, dial *770# and select Transfers
How do I block my Fidelity Bank account?
Dial *770# and choose security options
Does Fidelity Bank USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is Fidelity Bank USSD free?
Dialing is free; network charges may apply
Conclusion
Fidelity Bank USSD codes make offline banking fast, simple, and secure in Nigeria. With *770#, you can transfer money, buy airtime, check balances, pay bills, and manage your account without internet access.
Whether you’re using a basic phone, dealing with poor network, or your app isn’t working, Fidelity Bank USSD remains a reliable banking solution in Nigeria (2026).
