Fidelity Bank Transfer USSD Code: How To Create, Activate & Recharge

The Fidelity Bank transfer code is basically a 5-digit USSD pin that enables any customer of the bank who has a registered phone number with them, conduct simple banking transactions on their mobile phones.

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So unlike the Fidelity Mobile banking app, the USSD option doesn’t require you to have an internet connection. Any random “I pass my neighbor”, black and white, blue screened, as fat-as-a-brick cell phone can run that package.

Alright. Now that we’ve gotten that cleared up, to all those Nigerians out there who think transferring money from your Fidelity Bank account to other banks or another bank is all you can do with the transfer code, you’re in for a shocker!

Related: Wema Bank Transfer Code: How To Register, Create Pin & Activate


Here are other benefits you get from this service you probably didn’t know (Bullet point No.5 is the best!):

  • Easy, simple, fast and convenient
  • You can now pay your Bills with ease.
  • Change your PIN.
  • Check your Balance Enquiry.
  • Update your BVN.
  • Probably the maddest benefit – You can block your stolen ATM cards.
  • Choose SMS and email alerts feature.
  • Transaction process is less than 20 seconds
  • The Service is available 24 hours a day, 7 days a week.
  • The service is available to Airtel, Etisalat, GLO and MTN subscribers

Also read: How To Register Zenith Bank Transfer Code


They say everything with an advantage also has a disadvantage.

In light of that, here’s also some limitations you get from using this service you probably didn’t know…until now:

  • Your daily recharge limit is N20,000 daily
  • Your maximum daily transfer limit is N100,000
  • Doesn’t require internet, however, it is dependent on full network signal from your telecom provider (sucks if you’re using Glo! Haha!).

Bullet point No.1 is quite reasonable, don’t you think? I really don’t see why they say it’s a limitation.

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Related: Jaiz Bank Transfer Code: Here’s How To Transfer Money From Jaiz Bank.

Unless of course you have containers swimming on the high sea from China, wetin you wan use N20,000 recharge card daily for? It used to be just N5,000 before. What happened to this country?

Fidelity USSD Banking services & charges

Here’s another extra something for y’all. A small reminder that nothing is free in this life…not even to check your Account balance (because why the Hell would it? But hey, at least some of the fees got the Black Friday Memo and offered some discount).

Service Old Fee New Fee
Balance Enquiry 10 20
Intra-bank Transfer 70 50
Inter bank Transfer 70 50
Bill Payments 100 105

Fidelity Bank recharge code: How to buy airtime for yourself, friends & family.

Fidelity Bank transfer code

They also say pictures speak louder than words. Do i still need to explain this diagram to you? Okay.

To recharge your phone for yourself, dial *770*AMOUNT#.

To recharge for Mama & Papa and dem dem for Village, dial *770*PHONE*AMOUNT#.

Also read: Ecobank Transfer USSD Code: How To Transfer Money From Ecobank

How to create Fidelity bank transfer pin

It’s no news that without first creating your mobile USSD banking pin, you can’t do squat.

So therefore, to create your own unique Fidelidy Bank pin, follow the steps below:

  • Dial *770# on your Fidelity Bank registered phone.
  • Select 1 from the on-screen command.
  • Enter your fidelity bank (NUBAN) account number.
  • Next, create your 4-digit PIN to authorize transactions.
  • You’re all set! It’s time to get that money to start changing hands.

Also read: Polaris (Skye) Bank Transfer Code: How To Transfer Money & Recharge.

How to activate Fidelity Bank transfer code

To activate your Fidelity Bank transfer code, once you’ve created your pin as shown above, you activate by testing it out, literally taking the service out for a spin on any of the items in the USSD menu.

For example, you could activate it by attempting to transfer to another bank as shown in the next sub heading below…

Fidelity transfer code to another bank: How to transfer from Fidelity bank to other banks.

Fidelity bank transfer code

Relax, it’s a piece of cake.

To transfer money from Fidelity bank to other Nigerian banks, To transfer funds, dial *770*ACCOUNT*AMOUNT#.

For example, if you need to send N250,000 to that your fine girlfriend’s account and that account number happens to be 0123456789, dial *770*0123456789*250000#.

Related: Union Bank Transfer Code: How To Transfer Money From Union Bank For Free

Fidelity Bank balance code: How to check account balance.

Fidelity Bank transfer code

To check your bank account balance or make a balance inquiry from the comfort of your mobile phone, the Fidelity Bank balance code is *770*0#. Dial it and just follow the instructions.

Now your turn

What problems did you run into while trying to create and activate your Transfer pin or code? What issues arose when you tried to recharge?

If any, comment below and we’ll help you out. Nevertheless, if it worked just fine, also let us know in the comments area.

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  1. When I dial *770# it show me that I have been block using the number I see a message to call 14485252 I call but there was no responded.

  2. I dialed it but it didn’t work out it returned back with a message of connection mmi code wrong

  3. I opened it before but if I want to make use of it,I will be receiving messages,it have blocked for security reasons,dial *770*911*9# to open, but if I follow the directions,it say I should try later

    1. My profile account is locked please and was told to dial *770*911*9# which I did but still not done

  4. my account has been block since over one month now used code dont work, used app dont work so whats happening

    1. l mistakenly press wrong pin code due to swift off of my hand phone.
      my account is blocked what can l do ?

  5. Please I forgot my 5 digit transfer pin how do I change it .if I try changing it they’re asking for old pin .

  6. I have tried the instant banking code which is *770*911*9 and it’s telling me that it’s only people that have debit card, what can I do, please help me to unlock my profile.

  7. What happens to me, any when I came for trasaction, you saying my profile is lock,for security, an you direct me to use this code,
    *777*911*9# I did, but later net work problem, even earlier this I came I update but now, I don’t know what is happening? Or you don’t want to me to continue with my account?

  8. They keep telling me that my phone is not registered , where as I receive alerts with the number

  9. I have an acct with zenith bank for long but I can’t remember the acct num what can I dot this is the name I use in opening it Osiobe Dorcas Ejiro but the phone number I used has been stolen, what can I do

  10. I have tried so many times
    By dialing*770# to create my pin
    I have two accounts but is not showing any options to enter to create my pin transfer
    Please sir
    What else do to do to create my pin transfer

  11. My account has refused to be activated with the code *770#, as well as pin transfer creation

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