Fidelity *770# Instant Banking: How to use Fidelity Bank USSD Codes

Fidelity *770# Instant Banking

In our ever-evolving world where comfort is the driving force behind every innovation, Fidelity bank brings to their customers banking at the tip of their fingers.

The introduction of the Fidelity bank Instant banking using *770# provides customers access to several banking features while operating on their mobile phones from home, work or anywhere.

In one or two easy steps, customers can now purchase airtime, send money between banks or pay utility bills from their mobile phones provided it is linked to their Fidelity bank accounts.

The good part is you don’t need to be a geek to able to perform transactions using *770# and it is available at any time of the day and every day of the week. Let’s check out the Fidelity bank Instant banking service.

How to purchase airtime for self or family and friends using *770#

Have you ever run out of airtime in the middle of a call or you needed to put an important call through to a friend or business associate and there was no retail shop where you could purchase a recharge card or it happened late at night when you would not even dare take a step outside to check if you would be lucky enough to meet a recharge card retailer about to lock up shop?

Sucks to be in either situation, I know right.  The Fidelity bank *770# USSD code was introduced for situations like this one. In one easy step;

Recharge your phone: Dial *770*Amount#. For example, *770*5000#.

Recharge for family and friends: Dial *770*Phone number*Amount# . For example, *770*08032110321*1000#.

Transfer money to all banks nationwide

Make transfer up to N100,000 to any bank in Nigeria from your mobile phone using *770#.

How to Transfer: Dial *770*Account*Amount# and follow the on-screen prompts to complete the transaction. Authenticate transaction using your four-digit PIN. For example, *770*5034241673*5000#.


  • Phone number must be linked to your bank account to be able to perform transaction.
  • Bank charges apply for transactions within Fidelity bank (N50) and to other banks(N50).
  • You can only transfer up to N20,000 at a go and up to N100,000 in a day.
  • This service is available 24/7.

Dial4Cash – Cardless withdrawal

You can now make cash withdrawals at the ATM without your dedit card.  All you need is your mobile phone with the number linked to your Fidelity bank account.

Pay attention, just in case you need to make a withdrawal and suddenly remember you left the debit card at home.

How to make cardless withdrawal using *770#

Simply dial *770*8*Amount on your mobile device then follow the on-screen prompts. Enter the one-time-PIN(OTP) sent to you followed by your 4-digit PIN to generate a paycode which will be used to withdraw the cash at the ATM.

Enter your paycode, PIN and amount at the ATM to withdraw your cash.


  • Phone number must be linked to your Fidelity bank account.
  • You can only make cashless withdrawal up to N20,000 at a go and up to N100,000 in a day.

Pay Utility bills using *770#

Paying your utility bills in Nigeria is extreme sport. The long queues, delays and sometimes unprofessional customer service could almost drive you nuts and if you knew a way to process such payments at your own convenience wouldn’t that be ideal?

Well, gist is you can pay your electricity, satellite TV and even subscribe on your Swift MiFi from your mobile device using the Fidelity bank instant banking service.

How to Pay Utility bills

Dial *770*Code*Smart Card Number*Amount#. For example, you intend to renew your DSTV Compact Package, dial *770*1099*54345263761*6800#.


  • Service fee of N105 applies for every transaction.
  • Daily limit of N20,000.

Here’s a list of some the utility bills that the Fidelity bank instant banking supports.

1099DStvSmart Card Number
1098DStv Box OfficeDSTV Smart Card Number
1077StartimesSmartcard number
1088GOTVDecoder Number
1033Swift 4G Subscription (Swift 4G)Customer ID
1022Enugu Electricity Distribution Company Postpaid (EEDC Postpaid)Customer Account Number
1021Enugu Electricity Distribution Company Prepaid (EEDC Prepaid)Meter Number
1044Ibadan Electricity Distribution Company (IBEDC Bills)Customer Account Number
1013Kano Electricity Distribution Company Prepaid (KEDCO Prepaid)Meter Number
1014Kano Electricity Distribution Company(KEDCO Postpaid)Account Number

How to disable internet banking using *770#

If you are ever dispossessed of your belongings including your Fidelity bank debit card, you can instantly block your card or your mobile number from using the instant banking service simply by dialing *770*911# for the card and *770*911*Mobile number# e.g *770*911*08032110321# from any phone.

Other services you can access using *770# include;

Balance Enquiry*770*0#
Update BVN*770*02#
Change your PIN*770*00#
How to block your account*770*Phone number*
SMS/Notification control*770*2#

Missing anything? let us know in the comment box below, you can checkout other banks USSD codes too

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