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The short answer
Fidelity Bank's USSD code is *770#. Its help centre lists short codes including *770*0# for balance, *770*DestinationAccount*Amount# for transfers, *770*PhoneNumber*Amount# for airtime, *770*8*Amount# for cardless cash and *770*911# to block a card. Transfers on *770# are capped at ₦20,000 each and ₦100,000 a day.
Getting started
*770# is Fidelity Bank's Instant Banking service. It works from the phone number registered on your Fidelity account and needs no data. Fidelity's FAQ describes sign-up like this:
- Dial *770# from your registered line.
- Select any transaction from the menu.
- When prompted to register, enter your account number.
- Create your *770# PIN.
If you were referred by another customer, Fidelity also lists *770*ReferralPhoneNumber# as an enrolment route. Keep your PIN private; it is the main thing standing between a stolen SIM and your money.
The full list of short codes
These are the codes as Fidelity Bank's help centre showed them in October 2026, in the groups the bank uses.
Account set-up and information
| Code | What it does |
|---|---|
| *770*01# | Open an account |
| *770*5# | Show your account number and BVN details |
| *770*03# | Show your account officer's details |
| *770*ReferralPhoneNumber# | Enrol for USSD through a referral |
| *770*02# | Update KYC information (email, BVN) |
Everyday transactions
| Code | What it does |
|---|---|
| *770*1# | Open the full Instant Banking menu |
| *770*0# | Check your balance |
| *770*PhoneNumber*Amount# | Buy airtime |
| *770*DestinationAccount*Amount# | Transfer funds |
| *770*DestinationAccount*Amount*1# | Transfer funds with a narration |
| *770*Billercode*Amount# | Pay a bill |
| *770*RRR# | Make a Remita payment using the RRR |
| *770*8*Amount# | Cardless cash-out ('Dial 4cash') |
| *770*2# | Opt out of alert subscription |
| *770*6# | Remove a lien placed for card reissuance |
| *770*08# | Loan request menu |
Emergencies
| Code | What it does |
|---|---|
| *770*00# | Change your PIN |
| *770*911# | Block your card |
| *770*PhoneNumber# | Block or freeze your account |
The FAQ also lists services available through the menu without their own short code: data purchase, Lagos State collections (LAWMA, LSWC, LASTMA and others), airtime auto top-up and loan products. Navigate to these through *770*1#.
Limits on *770#
- Transfers: minimum ₦1,000, maximum ₦20,000 per transaction, ₦100,000 cumulative per day.
- Airtime: ₦20,000 top-up limit per day.
- Your account tier also applies: a Tier 1 account accepts single deposits of up to ₦50,000 and holds up to ₦300,000.
For larger amounts, use the app or online banking. Our guide to Fidelity transfer limits explains the tiers and how to raise them.
Which code to save in your phone
Few people need all nineteen codes. Most Fidelity customers use four or five, and it helps to save them as contacts so you are not searching under pressure.
- *770*0#
- Balance: the code you will use most.
- *770*DestinationAccount*Amount*1#
- Transfers with a narration, so the recipient and your statement both show what the payment was for.
- *770*911#
- Card block: save it now, because you will need it when your card is already lost.
- *770*PhoneNumber#
- Account freeze: useful if your phone or SIM is stolen. Fidelity's FAQ does not say whether it works from a line other than the registered one, so call Trueserve as well.
- *770*5#
- Account number and BVN details, handy when someone asks for your account number and you do not have your card.
Before you rely on any code, test it once on a small amount. Bank menus change, and a code that worked last year may now open a different screen. If a short code fails, dialling *770*1# opens the full menu, which is the bank's current version.
How cardless cash works on *770#
When Fidelity launched cardless withdrawals in January 2023, it said customers dial *770*8*AMOUNT# from their registered number, create a one-time PIN, and receive a Paycode. At a Fidelity ATM you then enter the Paycode, the PIN and the amount. The announcement did not give a validity period or a maximum, so check the details in the menu before you go to the ATM.
When *770# goes wrong
Fidelity's FAQ gives three useful pointers:
- An error immediately after dialling is usually a network failure. Retry.
- An error at the end of a transaction can mean a restriction on your account. If the account is dormant, Fidelity says to carry out a customer-induced transaction to reactivate it, then retry enrolment the next day.
- Entering a wrong account number 10 times during enrolment, or a wrong PIN five times, blocks you. Call Trueserve or visit a branch to have it cleared.
Our planned guide on *770# PIN reset and fixes goes into each case.
Charges and safety
The CBN's Guide to Charges says USSD transfers attract the prevailing NIP transfer charges, the same bands as other electronic transfers, and a ₦50 stamp duty applies to transfers of ₦10,000 or more from 1 January 2026. Mobile networks may also charge for the USSD session itself; Fidelity's FAQ does not state that figure, so check your airtime balance before and after if it matters. See Fidelity Bank charges for the full breakdown, and USSD banking fraud for how *code accounts are attacked.
Where Pryme fits
Pryme does not offer a USSD code; its app uses an authenticator app rather than SMS codes, plus a transaction PIN, as set out on the security page. If USSD is your only option, *770# remains the way to bank with Fidelity from any phone.
Questions people ask
What is the code to check Fidelity Bank balance?
Dial *770*0# from your registered phone number and enter your PIN.
How do I transfer money with Fidelity USSD?
Dial *770*DestinationAccount*Amount#, follow the prompts and confirm with your PIN. Add *1 before the final # to include a narration.
What is the Fidelity Bank code to block my card?
Fidelity lists *770*911#, and in another FAQ answer *770*991#. Use whichever works and call Trueserve on 0700 343 35489.
How do I open a Fidelity account with USSD?
Dial *770*01# and follow the prompts. Fidelity may ask you to add ID and BVN later to move above Tier 1.
Sources
- Fidelity Bank: Help and support FAQs · accessed Oct 2026
- Fidelity Bank: Fidelity Bank introduces cardless ATM withdrawals (18 Jan 2023) · 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
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.