Fidelity Bank's Offline Banking Shortcode: Full Guide

Learn how to use Fidelity Bank’s USSD banking service for transfers, airtime purchases, balance checks, and emergency account blocking without internet access.

Fidelity Bank Code: The Complete Instant Banking Guide

Fidelity Bank's USSD code is`*770#`, branded "My 770 Instant Banking. " Dial it from your registered phone to transfer money, check your balance, buy airtime, pay bills, or instantly block your account — no internet or smartphone required.

How to Register for *770#

1. Dial` *770# ` on the phone number registered to your Fidelity Bank account.

2. Follow the prompts to create a PIN for authorizing transactions.

3. Confirm your PIN to complete setup.

Note : `*770#` works only for retail individual customers using their registered phone number — corporate/business accounts cannot use this service.

Fidelity Bank Transfer Code

Important: Fidelity's format puts the account number BEFORE the amount — the reverse order of several other Nigerian banks.

`*770*AccountNumber*Amount#`

Example : To send ₦10,000 to account `5050123456`, dial `*770*5050123456*10000#`, then follow the on-screen prompts and confirm with your PIN or password.

This same code works for both transfers within Fidelity Bank and to other Nigerian banks — the menu prompts you to confirm the destination bank during the transaction.

Check Your Fidelity Bank Balance

Dial` *770*0# ` and enter your PIN when prompted. Your balance displays on-screen (a small ₦20-range charge may apply, consistent with standard USSD banking fees).

Buy Airtime via *770#

- For yourself : `*770*Amount#`

- For someone else : `*770*PhoneNumber*Amount#`

Open a New Fidelity Bank Account

Dial` *770*01# `and follow the prompts — no branch visit required for basic account tiers.

Other Useful Fidelity Bank USSD Codes

Function USSD Code Pay Bills (general) *770*BillerCode*Amount#

GOtv Payment *770*1088*Amount# BVN Update *770*02# Change/Reset PIN *770*00# SMS/Email Alert Preferences *770*2# Cardless Withdrawal *770*8*Amount#

Get Account Number/BVN *770*5#

4,758mm² Note : Some sub-menu numbers (like bill payment specifics) may shift slightly as Fidelity updates its USSD menu — if a shortcut doesn't respond, dial the main `*770#` and navigate the live menu instead.

Emergency: Blocking Your Fidelity Bank Account

Per Fidelity Bank's own official page, there are two distinct emergency scenarios :

If You Still Have Your Phone (Block From Your Own Number)

Dial `*770*YourPhoneNumber#` — for example, `*770*08012345678#` — to immediately disable instant banking on your account.

If Your Phone Is Lost or Stolen (Block From Any Other Phone)

Dial`* 770*911*PhoneNumberToBeBlocked #` from any phone to instantly disable instant banking on all your accounts — this is the code to remember specifically when your own phone is the one that's missing.

Blocking Just Your Card

If only your ATM card is lost or stolen (your phone is safe), dial` *770*911# ` from your registered number and select Block Card , rather than freezing your entire account.

Unblocking / Reactivating Your Account

Dial` *770*911*9# ` and follow the on-screen prompts to reactivate a previously blocked account.

Why the Account-Block Code Matters

Fidelity Bank describes this specifically as their " INSTANT BLOCKING " protection service — designed so that even without your own phone in hand, you can disable all USSD and instant banking access within seconds from any borrowed device, closing off a thief's most immediate path into your account.

*770# vs. the Fidelity Mobile App

*770# USSD Fidelity Online Banking App Internet needed No Yes Best for Quick transactions, emergencies, feature phones Detailed account management, biometric login, beneficiary management Works without smartphone Yes No

See our Fidelity Bank mobile app guide for the full app feature set.

Troubleshooting Common *770# Issues

Issue Likely Cause Fix "Service unavailable" Weak network signal Retry in an area with stronger GSM signal Code doesn't recognize account Dialing from an unregistered number Confirm you're using the phone number linked to your Fidelity account PIN not accepted Forgotten or mistyped PIN Dial *770*00# to reset Corporate account can't register *770# is retail-only Use Fidelity's separate business banking channels instead - Fidelity Bank Mobile App: Download, Register & Key Features

- Top 10 Mobile Banking Codes for All Nigerian Banks (Full Guide)

- How to Link Your NIN to Your Bank Account in Nigeria (Complete Guide)

Frequently Asked Questions

What is the Fidelity Bank code?

`*770#`, Fidelity Bank's official USSD "Instant Banking" service for transfers, balance checks, bills, and airtime.

What is the Fidelity Bank transfer code?

`*770*AccountNumber*Amount#` — note the account number comes before the amount, unlike several other Nigerian banks.

How do I block my Fidelity Bank account if my phone is stolen?

Dial `*770*911*PhoneNumberToBeBlocked#` from any phone immediately.

Can business accounts use *770#?

No — it's available only to retail individual customers via their registered phone number.

How do I unblock my account after blocking it?

Dial `*770*911*9#` and follow the on-screen prompts.

Conclusion

Fidelity Bank's `*770#` covers transfers, bills, airtime, and account opening entirely without internet — just remember its unique account-before-amount transfer format, and save the `*770*911*[number]#` emergency block code separately, since that's the one you'll need most urgently if your phone ever goes missing.

- My 770 Instant Banking (Official) — primary source for all codes and the emergency blocking process listed above