For customers of Fidelity Bank, managing banking services has become easier and faster with the introduction of USSD codes. These short, quick codes allow users to access essential banking features directly from their mobile phones without needing internet access. Whether you’re sending money, checking your account balance, buying airtime, or paying bills, the Fidelity USSD code provides a convenient way to bank from anywhere. Understanding how to use this code and the services it offers can save time, reduce bank visits, and offer control over your finances even while on the move.
What Is the Fidelity USSD Code?
Basic Overview
The Fidelity USSD code is770#. This code provides access to a wide range of mobile banking services available to Fidelity Bank customers in Nigeria. It’s available 24/7 and can be used on any type of mobile phone, whether it’s a smartphone or a basic phone. This service is particularly useful in areas with limited internet connectivity or for users who prefer simpler banking methods.
Eligibility Requirements
To use the Fidelity Bank USSD code, you need to meet the following requirements:
- You must have a Fidelity Bank account.
- Your phone number must be registered with Fidelity Bank and linked to your account.
- You must activate the USSD service by dialing 770# on your mobile phone.
How to Register for Fidelity USSD Banking
Step-by-Step Registration Process
Before using the service, you need to activate it on your phone. Here is how to register:
- Dial770#on the phone number linked to your Fidelity account.
- Select the option to register.
- Follow the on-screen instructions to enter your account number.
- Create a 4-digit PIN that will be used for authorizing transactions.
- Confirm your PIN to complete the registration process.
Once registered, you will be able to access all available USSD banking services using this code.
Services Available with 770#
Common Transactions You Can Perform
The Fidelity Bank USSD code gives users access to a variety of financial services, including:
- Account Balance Enquiry: Check your current account balance instantly.
- Funds Transfer: Send money to Fidelity Bank or other Nigerian bank accounts.
- Buy Airtime: Recharge your phone or someone else’s phone with airtime.
- Pay Bills: Settle utility bills, cable TV, electricity, and more.
- Account Statement: Request a mini statement of recent transactions.
- Cardless Withdrawal: Withdraw cash from ATMs without using your debit card.
- Change PIN: Update or reset your USSD transaction PIN.
Examples of USSD Commands
Here are a few examples of how to use the Fidelity USSD code for specific tasks:
- To check your account balance:Dial 7700#
- To transfer money to another Fidelity account:Dial 770AccountNumberAmount#
- To transfer to another bank:Dial 770AccountNumberAmount#and select the other bank
- To recharge your own phone:Dial 770Amount#
- To recharge another phone number:Dial 770PhoneNumberAmount#
- To withdraw cash without ATM card:Dial 7708Amount#
Advantages of Using Fidelity USSD Code
Fast and Convenient
The primary benefit of using 770# is speed. You can perform transactions within seconds, avoiding queues at bank branches or ATM machines. Whether you’re in a rural area or busy urban center, this tool keeps your bank at your fingertips.
No Internet Required
Unlike mobile apps, the USSD code works entirely offline. This makes it ideal for customers without smartphones or those in regions with unstable internet connections.
Available Anytime
The Fidelity USSD service is available 24 hours a day, 7 days a week, including holidays. This makes it easier for users to manage their accounts on their own schedules, even outside regular banking hours.
Security and Safety
All USSD transactions require the use of a 4-digit PIN created during registration. This PIN ensures that even if your phone is lost or stolen, unauthorized individuals cannot access your bank account. It is recommended not to share this PIN with anyone.
Limitations and Transaction Charges
Daily Limits
While the Fidelity USSD code is efficient, it has a daily transaction limit to ensure account security. For most users, the daily limit for fund transfers is set at â¦100,000. You can also top up airtime up to â¦20,000 per day. For higher limits, visiting a bank branch may be required to adjust settings.
Transaction Fees
There are small fees associated with using the USSD code, depending on the transaction type. Typical charges include:
- Funds transfer to other banks: Usually around â¦10â¦25 depending on the amount
- Balance enquiry: Small fee (about â¦5)
- Airtime top-up: Usually free when recharging your own number
These fees are subject to change based on banking policies and may vary with service providers.
Troubleshooting and Customer Support
Common Issues and Solutions
Sometimes, users may face difficulties while using the USSD code. Here are common issues and how to resolve them:
- Invalid PIN: Retry with the correct PIN or reset it by selecting the PIN reset option.
- Unregistered number: Ensure the number you’re using is the same one linked to your bank account.
- Service not working: Check for mobile network availability and try again later.
- Transaction failed: Confirm you have sufficient funds or contact customer service for help.
How to Contact Fidelity Bank
If you’re having issues or need assistance with USSD banking, you can contact Fidelity Bank customer care via phone, social media, or by visiting the nearest branch. Support teams are trained to help with USSD problems, PIN resets, and transaction inquiries.
Security Tips for USSD Banking
How to Stay Safe
To avoid fraud and keep your account secure, follow these best practices when using 770#:
- Never share your USSD PIN with anyone.
- If your phone is stolen, contact the bank immediately to deactivate USSD access.
- Use strong and unique PINs that cannot be guessed easily.
- Always log out or clear USSD session after completing transactions.
The Fidelity Bank USSD code 770# is a reliable, fast, and secure way for customers to access essential banking services without internet access. With just a few keystrokes, users can transfer money, check balances, buy airtime, and much more directly from their mobile devices. This tool empowers users to manage their finances anytime and anywhere. As digital banking continues to evolve, USSD banking remains a vital solution for convenience and financial inclusion, especially in areas with limited internet infrastructure. If you’re a Fidelity Bank customer and haven’t started using 770#, now is the perfect time to activate and explore its benefits.