Managing bank transfers has become easier and faster in Nigeria thanks to USSD banking services. For customers of Fidelity Bank, the USSD code feature is an efficient way to carry out money transfers and other financial operations without the need for internet access. Whether you’re using a basic phone or you’re in an area with limited data connectivity, the Fidelity Bank USSD transfer code offers a convenient way to access your bank account, send money, and manage your finances securely.
What is the USSD Code for Fidelity Bank Transfer?
The official USSD code for Fidelity Bank in Nigeria is770#. This code gives customers access to a wide range of banking services directly from their mobile phones. One of the most commonly used features under this code is transferring money to another bank account.
To initiate a transfer, the format is simple:
- Dial770ACCOUNT NUMBERAMOUNT#on your registered phone line.
- Follow the on-screen prompts to confirm the transaction.
- Enter your 4-digit PIN to authorize the transfer.
This method works 24/7 and is available to all Fidelity Bank customers who have registered for mobile banking.
How to Register for Fidelity Bank USSD Banking
Step-by-step registration process
If you’re using the Fidelity Bank USSD code for the first time, you’ll need to register. The process is straightforward and requires just a few steps:
- Dial770#using the phone number linked to your Fidelity Bank account.
- Select the option to register or create a PIN.
- Enter your Fidelity Bank account number when prompted.
- Create a secure 4-digit PIN that you will use to authorize transactions.
- Confirm your PIN and complete the registration.
Once you’ve registered, you can start using the Fidelity Bank USSD code for various banking activities, including transfers, airtime purchases, bill payments, and account inquiries.
How to Transfer Money Using Fidelity Bank USSD Code
Transfer to Fidelity Bank accounts
To send money to another Fidelity Bank account:
- Dial770ACCOUNT NUMBERAMOUNT#.
- Confirm the account name that appears on the screen.
- Enter your PIN to approve the transaction.
The funds are transferred instantly, and both you and the recipient will receive SMS confirmations.
Transfer to other banks
To transfer money to an account in another Nigerian bank:
- Dial770ACCOUNT NUMBERAMOUNT#.
- Select the destination bank from the list that appears.
- Verify the recipient’s name shown on the screen.
- Enter your 4-digit PIN to complete the transfer.
This service typically works for transfers to all major Nigerian banks. Note that transfer fees may apply depending on the bank and transaction volume.
Other Services Available with 770#
What else can you do with the Fidelity Bank USSD code?
Aside from transferring funds, the 770# code provides access to multiple banking services:
- Airtime Top-up: Dial 770AMOUNT# for self or 770PHONEAMOUNT# for others.
- Account Balance: Dial 7700# to check your current account balance.
- Bill Payment: Pay for DSTV, GOTV, electricity, and other utilities.
- Cardless Withdrawal: Generate a Paycode to withdraw from an ATM without your card.
- PIN Reset: Change or reset your PIN by dialing 770# and selecting the appropriate option.
Benefits of Using USSD Banking for Fidelity Bank Transfers
Accessibility
USSD banking is available on any GSM mobile phone. It does not require a smartphone, internet access, or data. This makes it ideal for users in rural areas or locations with poor internet connectivity.
Speed and convenience
Transactions using the USSD code are completed in under a minute. There’s no need to queue at a bank or wait for mobile apps to load.
Security
Every transaction is protected with a 4-digit PIN that you choose during registration. Without this PIN, no one can access your account or perform transactions on your behalf.
24/7 availability
The Fidelity USSD service is available every day of the week, including weekends and public holidays. This allows you to make urgent transfers or payments at any time.
Limitations and Considerations
Daily transaction limits
Like most USSD services, there is a daily transfer limit to help protect users from fraud. Usually, the limit is set at ₦100,000 per day. For higher amounts, customers may be required to use internet banking or visit a branch.
Registered phone number only
You can only use the Fidelity Bank USSD code on the phone number registered with your bank account. If your SIM is lost or you change numbers, you’ll need to update your bank profile first.
Charges and fees
Each USSD transaction may attract small fees, including:
- Bank transfer charges
- Telecom network fees for using the USSD channel
These charges are usually minor but can add up if you perform many transactions.
Tips for Safe USSD Transactions
- Never share your 4-digit PIN with anyone, including bank staff.
- If your phone is stolen, quickly contact Fidelity Bank to deactivate USSD access.
- Use the USSD code only on trusted networks to avoid SIM swap fraud.
- Change your PIN regularly to enhance security.
The USSD code for Fidelity Bank transfer, 770#, offers a fast, secure, and reliable way to manage your money without the need for internet access. It empowers customers across Nigeria to conduct banking transactions with ease, even in areas where mobile data is limited or unavailable. Whether you are sending money to another Fidelity account, transferring to other banks, or checking your balance, the Fidelity Bank USSD code gives you control over your finances anytime and anywhere. With proper registration, awareness of fees, and security practices, you can confidently enjoy the benefits of mobile banking through 770#.