Fidelity Bank USSD Code: Complete Guide to *770# Instant Banking
Whether you are standing in a market queue, on a bus, or in a rural area with no internet connection, the Fidelity Bank USSD code *770# puts full banking control right in your hands. This guide walks you through everything you need to know about using the Fidelity Bank Instant Banking platform — from checking your account balance with *770*0#, to transferring funds, buying airtime, and paying bills — all without needing data or a smartphone.
If you already know how the process works but need a detailed breakdown of each step, you are in the right place. This is the most complete, up-to-date guide on the Fidelity Bank USSD code available online.
Overview: What Is the Fidelity Bank USSD Code?
The official Fidelity Bank USSD code is *770#. Dialling this code from your registered mobile number connects you instantly to the bank’s Instant Banking platform — a menu-driven system that allows you to carry out essential financial transactions without an internet connection, a smartphone, or a visit to any branch.
The *770# service is available 24 hours a day, 7 days a week, on all four major Nigerian mobile networks: MTN, Airtel, Glo, and 9mobile. It works on both feature phones and smartphones, making it one of the most accessible banking tools for Nigerians across all income levels and geographic locations.
For those who need to perform a quick balance inquiry, the dedicated shortcode is *770*0# — a single dial that skips the full menu and takes you straight to your account balance after PIN verification.
Similar convenience is available across other Nigerian banks. For comparison, you can read our guide on the Sterling Bank USSD code for balance checks and full banking, which follows a comparable structure to Fidelity Bank’s platform.
Eligibility: Who Can Use *770#?
The Fidelity Bank USSD service is available to all Fidelity Bank Nigeria account holders who meet the following basic requirements:
- You must hold an active Fidelity Bank Nigeria account (savings, current, or any supported account type).
- Your mobile phone number must be registered and linked to your Fidelity Bank account.
- You must be using a SIM card from one of the supported networks: MTN, Airtel, Glo, or 9mobile.
- You must have a valid Fidelity Bank USSD PIN (set up during first-time registration).
- No internet connection, data subscription, or smartphone is required.
If your phone number is not yet linked to your account, visit any Fidelity Bank branch or contact the bank’s customer care line to update your records before attempting to use the USSD service.
Benefits of the Fidelity Bank *770# USSD Platform
The Fidelity Bank Instant Banking platform via *770# offers a wide range of features that go well beyond simple balance checks. Here is what you can do:
- Account Balance Check (*770*0#): Instantly view your available account balance without logging into any app.
- Funds Transfer: Send money to other Fidelity Bank accounts and to accounts in other Nigerian banks.
- Airtime Purchase: Buy airtime for yourself or someone else directly from your account.
- Bill Payments: Pay utility bills, cable TV subscriptions (DSTV, GOtv, Startimes), and other services.
- BVN Inquiry: Retrieve your Bank Verification Number directly from the USSD menu.
- PIN Management: Change or reset your USSD PIN securely from your phone.
- Mini Statement: View your last few transactions without visiting a branch or opening an app.
- Loan Access: Eligible customers may access quick loan products directly through the USSD menu.
The platform essentially puts a full-service banking branch in your pocket — something especially valuable for customers in areas where physical bank branches or stable internet connections are not always available.
How to Use the Fidelity Bank USSD Code *770#
Step 1: Check Your Account Balance with *770*0#
To check your Fidelity Bank account balance quickly, follow these steps:
- Open the dialler/phone app on your mobile phone.
- Dial *770*0# from the phone number registered to your Fidelity Bank account.
- Press the Call button.
- A prompt will appear asking for your 4-digit USSD PIN. Enter it and confirm.
- Your current account balance will be displayed on your screen within seconds.
For a more detailed walkthrough of the balance inquiry process, including how to handle common errors, see our dedicated post on how to check balance inquiry on Fidelity Bank USSD code.
Step 2: Access the Full *770# Menu
To access all available banking features, dial *770# (without the *0#) from your registered number. A menu will appear with numbered options such as:
- 1 — Transfer Money
- 2 — Buy Airtime
- 3 — Pay Bills
- 4 — Check Balance
- 5 — Account Services
- 0 — More Options
Simply reply with the number corresponding to the service you need, and follow the on-screen prompts.
Step 3: Transfer Money via *770#
Transferring funds through the Fidelity Bank USSD platform is straightforward. For a detailed, step-by-step breakdown of the transfer process — including transfers to other banks — check our guide on how to transfer money from Fidelity Bank.
First-Time Setup: How to Register for *770# USSD Banking
If you have never used the Fidelity Bank USSD service before, you will need to set up your PIN on first use. Here is how:
- Dial *770# from your registered phone number.
- Select the option to create a new PIN.
- Enter your preferred 4-digit PIN and confirm it.
- You will receive a confirmation message that your USSD account is now active.
Ensure the SIM card you are using is the same one registered with your Fidelity Bank account. If you are unsure which number is linked to your account, visit a branch with a valid ID to verify or update your records.
Important Security Tips for Using *770#
Keeping your USSD banking experience safe is critical. Follow these best practices:
- Never share your USSD PIN with anyone, including bank staff. Fidelity Bank will never ask for your PIN.
- If your phone is lost or stolen, act immediately. You should know how to deactivate USSD on a stolen phone from another phone to prevent unauthorised transactions.
- Change your USSD PIN regularly using the account services option in the *770# menu.
- Always double-check recipient account numbers before confirming any transfer.
- Set a daily transaction limit that matches your typical usage to reduce risk exposure.
Comparing Fidelity Bank *770# with Other Bank USSD Codes
Most Nigerian commercial banks offer USSD banking platforms. Fidelity Bank’s *770# is comparable in features to other bank codes. For example, if you are also a Sterling Bank customer, you can learn how to use the Sterling Bank *822*6# USSD balance check in our separate guide. The core steps — dial, enter PIN, view result — are similar across all platforms, making it easy to switch between them once you are familiar with one.
Frequently Asked Questions (FAQ)
What is the Fidelity Bank USSD code to check balance?
The specific USSD code to check your Fidelity Bank account balance is *770*0#. Dial it from your registered phone number, enter your PIN when prompted, and your balance will be displayed immediately.
Does *770# work without internet?
Yes, absolutely. The Fidelity Bank USSD platform *770# works entirely without an internet connection or a data subscription. It operates over your mobile network’s USSD channel, which is available on all Nigerian networks (MTN, Airtel, Glo, and 9mobile) and on any type of mobile phone.
What should I do if *770# is not working?
If the code is not responding, try the following: confirm that you are dialling from the phone number registered with your account; check that you have network signal; ensure your account is active and not restricted. If the issue persists, contact Fidelity Bank customer care at 0700-CALL-FIDELITY (0700-2255-343584) or visit your nearest branch.
Can I use *770# on any network in Nigeria?
Yes. The Fidelity Bank *770# USSD code is supported on MTN, Airtel, Glo, and 9mobile — all four of Nigeria’s major mobile networks. You do not need to be on a specific network to use the service, as long as your registered SIM card is active.
How do I reset my Fidelity Bank USSD PIN?
To reset your PIN, dial *770# and navigate to the Account Services option, then select Change PIN. You will be prompted to enter your old PIN and then create a new one. If you have forgotten your PIN entirely, visit a Fidelity Bank branch with a valid government-issued ID to reset it in person.
Call to Action: Start Using Fidelity Bank *770# Today
The Fidelity Bank USSD code *770# is one of the simplest, most reliable ways to manage your finances on the go — no app, no internet, no branch visit required. Whether you need a quick balance check with *770*0#, want to send money, buy airtime, or pay a bill, the service is always available, day or night, on any Nigerian network.
For official information, additional services, and to learn more about everything Fidelity Bank offers its customers, visit the official Fidelity Bank Nigeria website at fidelitybank.ng. Take control of your banking today — no queues, no data needed.