Fidelity Bank is a Nigerian bank. The question is likely about transferring money from or to Fidelity Bank accounts within Nigeria, or perhaps internationally. The "code to transfer" most likely refers to either USSD codes for mobile banking, or SWIFT/BIC codes for international transfers.
Here's a comprehensive post covering various methods for transferring funds with Fidelity Bank:
Mastering Fidelity Bank Transfers: Your Ultimate Step-by-Step Guide!
Hey there, financial wizard! Ever found yourself needing to send money from your Fidelity Bank account and wondering, "What's the secret code to make this happen?" You're not alone! Navigating bank transfers, especially with the variety of options available today, can sometimes feel like solving a puzzle. But don't you worry, because by the end of this super comprehensive guide, you'll be a Fidelity Bank transfer pro, effortlessly sending funds wherever they need to go!
Whether you're looking to pay a bill, send money to a loved one, or make a business transaction, Fidelity Bank offers several convenient ways to transfer funds. Let's dive deep into each method, step-by-step, ensuring you always know the right "code" – be it a USSD string, a mobile app tap, or a crucial international identifier.
Step 1: Choosing Your Transfer Weapon – What's Your Preference?
Before we even talk about codes, let's figure out how you prefer to bank. Are you a fan of quick, on-the-go transactions using your phone's dialer? Or do you prefer the sleek interface of a mobile app? Perhaps you're more comfortable with online banking from your laptop, or even visiting a branch. Your preferred method will dictate the "code" or process you'll follow.
So, tell me: Are you ready to embrace the power of your mobile phone for instant transfers, or do you prefer a more traditional approach? Your answer sets the stage for our journey!
Step 2: The USSD Code Magic: Instant Transfers with Your Phone
For many, USSD codes are the go-to for quick and easy bank transactions, especially in Nigeria. No internet needed, just your phone's dialer! Fidelity Bank has a dedicated USSD service that makes transfers incredibly simple.
Sub-heading: The Universal Fidelity Bank USSD Code
The primary USSD code you'll need for Fidelity Bank transactions, including transfers, is:
*770#
This is your gateway to a world of mobile banking convenience!
Sub-heading: Performing a Local Transfer via USSD
Let's walk through transferring funds to another bank account within Nigeria using the USSD code.
Dial the Code: On your mobile phone (the one registered with your Fidelity Bank account), dial *770# and press the call button.
Navigate the Menu: A menu will pop up on your screen. You'll typically see options like "Transfer," "Airtime," "Balance," etc. Look for the "Transfer" option, which is usually number 3 or 4. Enter the corresponding number and send.
Select Destination Bank: You'll then be prompted to select the recipient's bank. A list of banks will appear. Enter the number corresponding to the bank you want to transfer to (e.g., UBA, GTBank, Zenith, etc.).
Enter Account Number: Carefully enter the recipient's 10-digit account number. Double-check this! A wrong number means your money goes to the wrong person.
Enter Amount: Input the amount you wish to transfer.
Confirm Details: A summary of your transaction will be displayed: recipient's name, bank, account number, and amount. This is your crucial confirmation step! Verify everything is correct.
Enter PIN: You will be prompted to enter your 4-digit Fidelity Bank USSD PIN. This is your security key, so keep it private!
Transaction Confirmation: You'll receive an SMS notification confirming the success or failure of your transfer.
Voila! Your money is on its way, all from the comfort of your phone!
Step 3: The Fidelity Mobile App: Smart Transfers in Your Pocket
If you prefer a more graphical interface and have internet access, the Fidelity Bank Mobile App is a fantastic tool. It offers a richer experience with more features.
Sub-heading: Getting Started with the Fidelity Mobile App
First, you need to download and activate the app:
Download: Search for "Fidelity Bank Mobile" on your device's app store (Google Play Store for Android, Apple App Store for iOS). Download and install it.
Registration/Login: If you're a first-time user, you'll need to register using your account details and possibly your ATM card details. If you're already registered, simply log in with your username and password or fingerprint/face ID if enabled.
Sub-heading: Performing a Transfer via the Mobile App
Once logged in, transferring funds is intuitive:
Access Transfers: On the app's home screen, look for an option like "Transfers," "Send Money," or a similar icon.
Select Transfer Type: You'll typically have options like "To Fidelity Account," "To Other Banks," or "To Other Wallets." Choose "To Other Banks" for transfers outside Fidelity.
Enter Recipient Details:
Beneficiary Name (Optional but helpful): Sometimes, the app will automatically fetch the name once you enter the account number.
Account Number: Input the recipient's 10-digit account number.
Bank Name: Select the correct bank from the dropdown list.
Amount: Enter the amount you wish to send.
Narration/Description (Optional): Add a brief note about the transaction (e.g., "Rent," "Shopping," "Gift").
Review and Confirm: Carefully review all the details displayed on the confirmation screen. This is your last chance to catch any errors.
Authorize Transaction: You'll be prompted to enter your transaction PIN (different from your login PIN) or use biometric authentication (fingerprint/face ID) if you've set it up.
Confirmation: The app will display a success message, and you'll usually receive an SMS or email alert.
The Fidelity Mobile App makes managing your finances, including transfers, incredibly seamless.
Step 4: Fidelity Online Banking: Your Desktop Command Center
For those who prefer a larger screen and a more traditional web interface, Fidelity Bank's online banking portal (Internet Banking) is an excellent choice.
Sub-heading: Accessing Fidelity Online Banking
Visit the Website: Open your web browser and go to the official Fidelity Bank website (typically fidelitybank.ng).
Locate Internet Banking: Look for a "Login" or "Internet Banking" link, usually prominently displayed on the homepage.
Login: Enter your registered username and password. You might also be required to use a token or OTP (One-Time Password) for two-factor authentication, providing an extra layer of security.
Sub-heading: Performing a Transfer via Online Banking
The steps are very similar to the mobile app, but on a larger screen:
Navigate to Transfers: Once logged in, find the "Transfers" or "Payments" section in the menu.
Choose Transfer Type: Select "Inter-bank Transfer" or "Transfer to Other Banks" for transfers outside Fidelity.
Input Beneficiary Information:
Recipient's Account Number: Enter the 10-digit account number.
Recipient's Bank: Select the bank from the provided list.
Amount: Specify the amount to transfer.
Purpose/Remark: Add a description for the transaction.
Review Transaction: Thoroughly check all the details on the confirmation page.
Authorize Payment: You'll likely need to input your transaction PIN or a token-generated code to complete the transfer.
Confirmation: A confirmation message will appear on your screen, and you'll receive an alert.
Online banking provides a secure and detailed way to manage all your banking needs, including large transfers.
Step 5: International Transfers: The SWIFT/BIC Code Revealed
When you need to send or receive money internationally from or to your Fidelity Bank account, the "code" you're looking for is the SWIFT/BIC (Bank Identifier Code). This is a unique identifier for banks worldwide.
Sub-heading: Fidelity Bank's SWIFT/BIC Code
Fidelity Bank Plc's SWIFT/BIC code is:
FIDBNGLA
This code is crucial for directing international payments to the correct bank.
Sub-heading: How to Use the SWIFT/BIC Code for International Transfers
To receive money into your Fidelity Bank account from abroad:
You'll need to provide the sender with the following information:
Your Full Name (as per your bank account)
Your Fidelity Bank Account Number
Fidelity Bank's Name: Fidelity Bank Plc
Fidelity Bank's Address: (You can use the head office address or your branch address, e.g., 2, Ikoyi Road, South-West Ikoyi, Lagos, Nigeria)
Fidelity Bank's SWIFT/BIC Code: FIDBNGLA
To send money from your Fidelity Bank account internationally:
While Fidelity Bank's online and mobile platforms might offer international transfer options, these are typically for outward remittances via partners. You would generally need:
The recipient's full name and address.
The recipient's bank account number (IBAN for Europe, account number for others).
The recipient's bank name and address.
The recipient's bank's SWIFT/BIC code.
For international transfers, especially large sums, it's always advisable to contact Fidelity Bank directly or visit a branch to confirm the exact process and any associated fees and exchange rates.
Step 6: Troubleshooting & Important Reminders
Even with the clearest steps, sometimes things can go awry. Here are some key reminders:
Sub-heading: Double-Check, Triple-Check!
The most common reason for failed or misdirected transfers is an incorrect account number. Always double-check the recipient's account number before confirming any transaction.
Sub-heading: PIN Security
Never share your USSD PIN or transaction PIN with anyone, not even bank staff.
If you suspect your PIN has been compromised, change it immediately through the USSD menu or the mobile app.
Sub-heading: Transaction Limits
Be aware that there are daily transaction limits for USSD, mobile app, and online banking transfers. These limits vary based on your account type and verification level. If you need to transfer a large sum exceeding your limit, you might need to visit a branch or contact customer service to increase your limit temporarily (if applicable).
Sub-heading: Network Issues
For USSD and mobile app transfers, a stable network connection is important. If you experience issues, try again in an area with better network coverage.
Sub-heading: Contacting Customer Service
If you encounter any persistent issues, failed transactions where your account was debited but the recipient wasn't credited, or have questions, don't hesitate to contact Fidelity Bank customer service.
Fidelity Bank Customer Service Number: 0700343354898, 01-4485252
Email: info.callcentre@fidelitybank.ng
Frequently Asked Questions (FAQs)
Here are 10 common questions about Fidelity Bank transfers, answered quickly!
How to transfer money from Fidelity Bank using USSD code?
Dial *770#, select "Transfer," choose the recipient's bank, enter the account number and amount, then confirm with your USSD PIN.
How to transfer money from Fidelity Bank to another bank using the mobile app?
Log in to the Fidelity Bank Mobile App, select "Transfers," choose "To Other Banks," enter the recipient's details, amount, and authorize with your transaction PIN.
How to find my Fidelity Bank account number?
Your account number is typically printed on your ATM card, your cheque book, or can be found by logging into your mobile app or online banking portal. You can also dial *770*0# for a quick check.
How to check my Fidelity Bank account balance using USSD?
Dial *770*0# and follow the prompts to view your account balance.
How to get a Fidelity Bank transaction PIN?
During the activation of your USSD service or mobile app, you would have set up a transaction PIN. If you've forgotten it, you can usually reset it through the app or USSD menu (often by dialing *770# and looking for a "reset PIN" option).
How to confirm if a Fidelity Bank transfer was successful?
You will typically receive an SMS alert from Fidelity Bank confirming the success of your transfer. The mobile app and online banking also provide transaction history where you can verify the status.
How to reverse a wrong transfer in Fidelity Bank?
Immediately contact Fidelity Bank customer service with all transaction details (amount, date, time, wrong account number, correct account number). Reversals are not guaranteed, especially if the funds have already been withdrawn by the recipient, but early action is crucial.
How to increase my Fidelity Bank transfer limit?
You can request an increase in your daily transfer limit by contacting Fidelity Bank customer service, visiting a branch, or sometimes through the online banking portal, depending on your account type and verification level.
How to link my phone number to my Fidelity Bank account for USSD transfers?
Your phone number is usually linked to your account when you open it. If you change your number, you must visit a Fidelity Bank branch with a valid ID to update it to ensure USSD and other services work correctly.
How to send money internationally from Fidelity Bank?
You would typically use Fidelity Bank's international transfer services available through their online banking platform, mobile app, or by visiting a branch. You will need the recipient's bank's SWIFT/BIC code, their account number, name, and address.