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The short answer
To transfer with Fidelity Bank USSD, dial *770*DestinationAccount*Amount# from your registered phone (add *1 before the # to include a narration), choose the recipient's bank, check the name and enter your *770# PIN. Fidelity's FAQ sets a minimum of ₦1,000, a maximum of ₦20,000 per transaction and ₦100,000 a day on the platform.
The transfer strings Fidelity publishes
Fidelity Bank's Instant Banking FAQ lists two short strings for sending money. Note the order: account number first, then amount. Some third-party lists print it the other way round, so copy from here or from the bank.
| Purpose | String |
|---|---|
| Transfer funds | *770*DestinationAccount*Amount# |
| Transfer funds with a narration | *770*DestinationAccount*Amount*1# |
| Full menu (includes transfer) | *770*1# |
| Check your balance first | *770*0# |
Use the 10-digit NUBAN account number of the person you are paying and type the amount in naira without commas or the ₦ sign. For ₦15,000 to account 0123456789, the string is *770*0123456789*15000#. That is an example only; use the real account number you were given.
Step by step
- Use the phone whose SIM is registered on your Fidelity account. If you have never used *770#, the first dial takes you through registration: enter your account number and create a PIN.
- Dial the transfer string with the account number and amount filled in.
- Select the recipient's bank from the list the menu shows. If it is not on the first page, look for a "next" or "more" option.
- Read the account name the menu returns. If it is not the person you meant to pay, cancel.
- Add a narration if you used the *1 version, such as "rent October".
- Enter your *770# PIN to approve.
- Wait for the debit SMS and keep the reference. The recipient should be credited almost at once over the NIBSS Instant Payment system.
Limits on *770# transfers
- Minimum per transfer
- ₦1,000
- Maximum per transfer
- ₦20,000
- Cumulative daily transfers
- ₦100,000
- Airtime and data top-up
- ₦20,000 daily
These are the figures in Fidelity's FAQ, checked in October 2026. Your account tier sets a separate ceiling: Fidelity's FAQ gives a Tier 1 maximum single deposit of ₦50,000 and cumulative balance of ₦300,000, and a Tier 2 single deposit of ₦100,000 and balance of ₦500,000. To send more than ₦20,000 at once, use the mobile app or online banking, where tier and channel limits are higher. See Fidelity Bank transfer limits by tier.
What a *770# transfer costs
Three things can be deducted. First, the transfer fee. The CBN's Guide to Charges (effective 1 January 2020) says USSD transfers attract the prevailing NIBSS Instant Payment charges, and sets electronic transfer fees at up to ₦10 for amounts below ₦5,000, ₦25 for ₦5,000 to ₦50,000 and ₦50 above ₦50,000. A CBN exposure draft from April 2026 proposed lower bands, but its effective date was not stated when we checked, so look at your debit alert for the fee actually taken. Second, stamp duty: since 1 January 2026, ₦50 applies to electronic transfers of ₦10,000 or more and is deducted from the sender. Third, a USSD session charge collected for the network; see who pays the USSD charge.
Worked example
Example only. You need to pay a supplier ₦50,000 by USSD. Because the cap is ₦20,000 per transaction, you send three transfers: ₦20,000, ₦20,000 and ₦10,000. Each is ₦10,000 or more, so each attracts ₦50 stamp duty, and each falls in the ₦5,000 to ₦50,000 band, so each carries a transfer fee of up to ₦25 under the 2020 guide.
| Transfer | Amount | Fee (up to) | Stamp duty | Total debit |
|---|---|---|---|---|
| 1 | ₦20,000 | ₦25 | ₦50 | ₦20,075 |
| 2 | ₦20,000 | ₦25 | ₦50 | ₦20,075 |
| 3 | ₦10,000 | ₦25 | ₦50 | ₦10,075 |
| Total | ₦50,000 | ₦75 | ₦150 | ₦50,225 |
One app transfer of ₦50,000 would have attracted one fee and one ₦50 stamp duty: ₦50,000 + ₦25 + ₦50 = ₦50,075. Splitting a payment to fit a USSD cap multiplies the per-transaction charges, before VAT and session charges.
If the transfer fails or hangs
- An error straight after dialling is, per Fidelity's FAQ, a network failure: check signal and retry.
- An error at the end of the transaction means a restriction on the account; call True Serve on 0700 343 35489.
- If you were debited but the recipient was not credited, do not send again. Report it through Fidelity's contact form under "Dispense / Transfer Errors" or call True Serve with the reference.
For PIN problems, see Fidelity *770# PIN reset, and for the whole code list, every Fidelity *770# code.
Habits that prevent USSD transfer mistakes
- Copy the account number from a message the recipient sent you, not from memory or a blurred photo.
- For a first payment to someone new, send ₦1,000 first and ask them to confirm it arrived before you send the rest.
- Never dial a transfer string that someone else has typed out for you in a text or WhatsApp message; it may already contain their account number and an amount.
- Lock your phone screen and put a PIN on your SIM, since *770# needs only the phone and your PIN.
Where Pryme fits
A Pryme account shows the recipient's name and asks for your transaction PIN before any transfer moves; see sending money with Pryme.
Questions people ask
What is the Fidelity Bank transfer code to other banks?
Dial *770*DestinationAccount*Amount#, pick the recipient's bank, confirm the name and enter your PIN. Use *770*DestinationAccount*Amount*1# to add a narration.
How much can I transfer with Fidelity USSD in a day?
Fidelity's FAQ gives ₦20,000 per transaction and ₦100,000 cumulative per day, with a ₦1,000 minimum.
Why does Fidelity USSD not let me send ₦50,000?
Because the per-transaction maximum on *770# is ₦20,000. Split the payment or use the app or online banking.
Do I pay stamp duty on Fidelity USSD transfers?
Yes, if the transfer is ₦10,000 or more. Since 1 January 2026 the ₦50 stamp duty is deducted from the sender.
Sources
- Fidelity Bank: Frequently Asked Questions (Account Opening, E-Channels, Cards, Diaspora, SME) · accessed Oct 2026
- CBN: Guide to Charges by Banks, Other Financial and Non-Bank Financial Institutions (effective 1 Jan 2020) · accessed Oct 2026
- Techeconomy: Stamp duty replaces EMTL, sender to bear ₦50 charge on bank transfers (1 Jan 2026) · accessed Oct 2026
- TechCabal: CBN draft Guide to Charges 2026 (exposure draft, Apr 2026) · accessed Oct 2026
- Fidelity Bank: Contact Us (True Serve) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.