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The short answer
To close a Fidelity Bank account, clear or transfer the balance, repay any loan or overdraft, cancel standing orders and direct debits, then submit a signed closure request with valid ID at a branch or by email to trueserve@fidelitybank.ng, returning your cards and unused cheques. The CBN's Guide to Charges lists account closure as a waived charge, so you should not be billed for closing.
Before you start: is closing the right move?
Some people close an account to stop charges, and others because they have moved banks. If your aim is just to stop using it, remember that Fidelity's FAQ says current accounts become dormant after six months of inactivity. A dormant account still exists, still holds your money and can still carry obligations. A proper closure, confirmed in writing, is cleaner than leaving an account to drift.
If the account is restricted, closing it will not get round the restriction. Deal with that first; see Fidelity account restricted or PND.
What to clear before you ask
- Move the balance. Transfer it to another account in your own name, leaving only what the bank may need to settle final charges. Large balances are easier to move by app or online banking than by *770#, which Fidelity caps at ₦20,000 per transfer and ₦100,000 a day.
- Repay any loan or overdraft. A bank will not close an account that a facility is linked to. For Fidelity's payday and digital personal loans, the FAQ says you can repay by dialling *770*08# and choosing option 3, pay loan.
- Cancel standing orders and direct debits. Tell anyone who pays into the account, especially an employer, of your new details before you close.
- Unlink the account from bill payments, betting, subscriptions, pension and tax records.
- Download your statements. Once closed, getting history is harder. See how to get a Fidelity statement.
- Gather your cards and cheque book. The bank will ask for them or for confirmation that they have been destroyed.
Making the request
Fidelity does not publish a closure form on the pages we checked in October 2026. Its contact page lists "Account Management Service" as an enquiry type, and its FAQ shows that account requests are accepted by email to the True Serve address. In practice there are two routes:
- At a branch
- Take valid ID (NIN slip, international passport, driver's licence or voter's card), your cards and cheque book, and a signed letter or the bank's form.
- By email
- Send a signed, scanned request from the email address on your account to trueserve@fidelitybank.ng, attaching ID, and ask what else is needed.
A simple closure letter
Address it to the branch manager or to Fidelity Bank Plc, The Fidelity Place, 2 Kofo Abayomi Street, Victoria Island, Lagos. Include:
- Your full name as on the account, account number and account type.
- A clear sentence: "I request that this account be closed with effect from [date]."
- Where any remaining balance should go: account name, number and bank, in your own name.
- A statement that cards and cheque books are returned or destroyed.
- A request for written confirmation of closure.
- Your signature, matching the mandate the bank holds, and the date.
For a joint or business account, every required signatory must sign, in line with the mandate. A company will normally also need a board resolution. Our bank letter templates show the format.
What it should cost
The CBN's Guide to Charges (effective 1 January 2020) lists account closure among the charges that are waived. A bank can still take charges already due, such as card maintenance or SMS alerts up to the closing date, and a transfer fee if the balance is sent to another bank. Fidelity's FAQ gives naira card maintenance as ₦53.75 including VAT per quarter and dollar card maintenance as $10 a year, as at October 2026. If you are charged a fee described as a closure fee, ask which item in the CBN guide it relies on.
After you submit
- Ask for a reference number and the date by which the bank expects to confirm.
- Keep the account empty but do not try to force it into overdraft; small debits can still post before closure.
- Check for a final statement or confirmation letter.
- Update your BVN-linked records elsewhere if the account was your salary or pension account.
If the bank does not act, follow up with True Serve on 0700 343 35489, then escalate. The CBN asks customers to complain to the bank first and allow two weeks before writing to its Consumer Protection Department; see how to complain to the CBN.
Closing from abroad
If you live outside Nigeria, Fidelity's diaspora desk handles account requests remotely. Its FAQ gives diasporacustomerservice@fidelitybank.ng and +234-1-2701936, and says forms and supporting documents can be completed, scanned and emailed. Expect to be asked for a valid ID and, for some requests, a notarised document. Ask the desk to confirm in writing which documents it needs before you pay a notary.
Where Pryme fits
If you are moving your everyday banking, a Pryme account opens from your phone and holds naira with Solid Allianze MFB alongside dollars, pounds and euros; you can open an account before you close the old one.
Questions people ask
How do I close my Fidelity Bank account?
Clear the balance and any loan, cancel standing orders, then submit a signed closure request with ID at a branch or by email to trueserve@fidelitybank.ng, returning cards and cheques.
Can I close my Fidelity account online?
Fidelity does not publish an online closure button. You can email a signed request to True Serve, which may ask for more documents or a branch visit.
Does Fidelity charge to close an account?
The CBN Guide to Charges lists account closure as waived. Charges already due, such as card maintenance, can still be taken.
What happens if I just stop using my Fidelity account?
Fidelity's FAQ says current accounts become dormant after six months of inactivity. The account and its balance remain; it is not closed.
Sources
- Fidelity Bank: Frequently Asked Questions (Account Opening, E-Channels, Cards, Diaspora, SME) · accessed Oct 2026
- Fidelity Bank: Contact Us (True Serve) · accessed Oct 2026
- CBN: Guide to Charges by Banks, Other Financial and Non-Bank Financial Institutions (effective 1 Jan 2020) · accessed Oct 2026
- Central Bank of Nigeria: Complaints Management (Consumer Protection) · 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.