Frequently Asked Questions
Select any of the categories below and get answers to your questions.
Please click on the link https://www.fidelitybank.ng/open-account/ to start banking with us or walk into the nearest fidelity branch to open an account.
The account tiers are:
- Tier 1
- Tier 2
- Tier 3
The Maximum cumulative balance is N300,000
- If your balance exceeds this amount you will need to upgrade your account to a Tier 2 or Tier 3 savings account.
The Maximum single deposit is N50,000
You will need to provide the following:
- Duly completed account opening form
- 1 clear passport photograph
- Data protection
The Maximum cumulative balance is N500,000
- If your balance exceeds this amount you will need to upgrade your account to a Tier 3 savings account.
The Maximum single deposit is N100,000
You will need to provide the following:
- Duly completed account opening form
- 1 clear passport photograph
- Data protection
- Valid ID
- BVN
This account is unlimited
This account is unlimited
You will need to provide the following:
- Duly completed account opening form
- 1 clear passport photograph
- Data protection
- Valid ID
- BVN
- Utility Bill
Visit Internet banking at www.fidelitybank.ng to upgrade your account. Alternatively, you can download and fill out the request form and forward it to true.serve@fidelitybank.ng
You’ll be able to enjoy the full benefits of a Tier 3 account with:
- No limits to transfers
- No single deposit limits, and
- No total savings limit.
The Fidelity SME Online Account Opening Portal is a web-based portal designed to enable instant generation of account numbers for SME corporate accounts.
No, The Fidelity SME Online Account Opening Portal has accounts for both registered and unregistered Businesses.
Accounts opened via this platform will automatically be placed on Post No Debit (PND) pending regularization which would involve proper documentation at the branches. The account is generated as a Tier 1 account until customer’s documentation is completed at the branch. This means that you will not be able to withdraw from the account until you have completed your documentations, however, you can pay in money to the account.
There are no documents needed to generate an account on the portal. Customer will only be asked to submit the necessary documents to a branch, after account number has been generated, for regularization. The documents include Passport photo, Valid Identification (NIN, International passport, driver’s license, valid voters’ card), Utility Bill and SCUML (if applicable)
Three (3) types of SME accounts can be opened via this platform. They include:-
- Fidelity Small Business Account (FSBA) Individual
- Fidelity Small Business Account (FSBA) Corporate
- The Fidelity Premium Business Account (FPBA)
Yes. Unregistered businesses can open the GEEP Unregistered Current Account or the Fidelity Small Business Account (FSBA) Individual via the portal.
The Referral Code is the Staff ID number (Pxxxx) of the staff that referred you to the bank’s online account opening portal.
Yes, successfully created accounts can receive deposits before regularization.
Instantly. The account number will be generated immediately
The customer will be directed to a final page on the portal which will indicate that the account creation was successful. The customer’s new account number will also be displayed on the page.
Customer is advised to visit a branch to submit all required documents (which is also listed on the portal) for the account creation process to be complete.
You can access the SME Online account opening portal via https://digital.fidelitybank.ng/accountopening/#/ or Fidelity Bank – Online Account Portal
Using a Fidelity Bank card on a Fidelity Bank ATM, the daily withdrawal limit of ₦60,000 per day applies.
This means that you are trying to withdraw an amount more than the amount you have in your account at the moment. You need to check your balance and take note of the available balance while taking the minimum account balance also into consideration.
This occurs when the PIN is entered incorrectly up to three times or when the card has been hot-listed after being reported lost/stolen/damaged etc.
If it is a Fidelity Bank card used on a Fidelity Bank ATM, kindly walk into the bank or the closest branch and inform the Customer Service Unit (CSU) officer of the incident with proof of identification.
If the Fidelity Bank card is used on another bank’s ATM, the acquiring bank must perforate it, making the card unusable, and return it to the issuer as directed by CBN the next working day. This means the ATM card cannot be retrieved. You will need to get a new ATM card from Fidelity Bank.
The Fidelity Bank ATM service offers 24-hour access to cash withdrawal, bill payment, cardless transaction, funds transfer, and airtime recharge services.
- Dial *770# and follow the prompt
- Select any transaction from the menu
- You will be prompted to register
- Enter the account number
- Create a PIN
The Daily top-up limit is N20,000 for recharge.
The minimum fund transfer limit is N1,000 and the maximum is N20,000 per
transaction with a cumulative transfer amount of N100,000 daily.
- Account opening
- Airtime and Data Vending.
- Bills Payment
- Transfer
- Block Card
- Cardless Withdrawal
- Update Information (BVN and Email)
- PIN reset
- LASG Collections (LAWMA, LSWC, LASTMA etc)
- Airtime Auto Top Up
- Loan request
- Fidelity Loan On Account Performance (FLOAT)
- Point of Transaction Loan (POT)
UNLOCK EASY BANKING WITH *770#
Get started with your Fidelity account. | SHORT CODES |
Open an account. | *770*01# |
Account number and BVN details | *770*5# |
Account officer’s details | *770*03# |
Enroll for USSD via referral. | *770*ReferralPhoneNumber# |
Update KYC Information (Email, BVN) | *770*02# |
|
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Transact with your mobile. |
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Access the instant banking menu. | *770*1# |
Buy Airtime | *770*PhoneNumber*Amount# |
Transfer funds | *770*DestinationAccount*Amount# |
Transfer funds with narration | *770*DestinationAccount*Amount*1# |
Pay Bills | *770*Billercode*Amount# |
Make Remita payments. | *770*RRR# |
Dial 4cash or cash out | *770*8*Amount# |
Opt out of alert subscription | *770*2# |
Check your balance | *770*0# |
Card reissuance lien removal | *770*6# |
|
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In cases of emergency |
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Change PIN | *770*00# |
Block Card | *770*911# |
Block/ Freeze account | *770*PhoneNumber# |
Fast loan | *770*08# |
Please call Trueserve or forward the complaint to the branch for the customer
service representative to resolve.
It is a network failure. Customer should be advised to retry transactions
If the error is prompted at the end of a transaction, there is a restriction on the
customer’s account. If account is dormant, You need to perform a customerinduced transaction to activate the account, then retry enrollment the next day.
The Fidelity SME Online Account Opening Portal is a web-based portal designed to enable instant generation of account numbers for SME corporate accounts.
No, The Fidelity SME Online Account Opening Portal has accounts for both registered and unregistered Businesses.
Accounts opened via this platform will automatically be placed on Post No Debit (PND) pending regularization which would involve proper documentation at the branches. The account is generated as a Tier 1 account until customer’s documentation is completed at the branch. This means that you will not be able to withdraw from the account until you have completed your documentations, however, you can pay in money to the account.
There are no documents needed to generate an account on the portal. Customer will only be asked to submit the necessary documents to a branch, after account number has been generated, for regularization. The documents include Passport photo, Valid Identification (NIN, International passport, driver’s license, valid voters’ card), Utility Bill and SCUML (if applicable)
Three (3) types of SME accounts can be opened via this platform. They include:-
- Fidelity Small Business Account (FSBA) Individual
- Fidelity Small Business Account (FSBA) Corporate
- The Fidelity Premium Business Account (FPBA)
Yes. Unregistered businesses can open the GEEP Unregistered Current Account or the Fidelity Small Business Account (FSBA) Individual via the portal.
The Referral Code is the Staff ID number (Pxxxx) of the staff that referred you to the bank’s online account opening portal.
Yes, successfully created accounts can receive deposits before regularization.
Instantly. The account number will be generated immediately
The customer will be directed to a final page on the portal which will indicate that the account creation was successful. The customer’s new account number will also be displayed on the page.
Customer is advised to visit a branch to submit all required documents (which is also listed on the portal) for the account creation process to be complete.
You can access the SME Online account opening portal via https://digital.fidelitybank.ng/accountopening/#/ or Fidelity Bank – Online Account Portal
Confirm that the token response entered is correct.
Confirm that the token response entered is correct. Ensure the time zone on
the device is west Africa with the date/time also same.
Contact the Branch CSO/Virtual branch to synchronize the token on entrust.
Please log in to online banking via web/app and set/reset the secret
question.
Restart your phone and retry. If issue persists, Contact Trueserve.
Update the app and ensure the correct details are keyed in.
Visit the branch to delete the username the customer does not use from Profectus and retry after 24hrs.
If customer has forgotten, he should set it up again. Settings – Create PIN
Ensure the phone number is correct, if changed, contact Truserve to update
phone Number.
Confirm you are using the correct credentials or initiate a password reset if
login details are forgotten.
Visit the branch or contact Trueserve to unlock the customer on Profectus
Customer should log out and login again to enable system to generate
another question, if customer cannot remember all three questions, then
advise customer should login to online banking via web/app and set/reset
the secret question.
Branch CSO should unlock Customer on entrust.
Please login to online banking and reset PIN.
Please visit the branch to activate the you on profectus and advice retry once done.
Visit the URL https://conb.fidelitybank.ng
When logging in, user is required to use a password.
When committing a payment or action with significance, such as a workflow or user creation, a user is required to authenticate using a token. The token can either be a soft or hard token.
When logging in from a new or different device or browser, the user is required to authenticate using an OTP response or token response in addition to the password.
Yes, you can have different accounts and users linked to one profile.
Select the Transfer option from the dashboard if you were setup with an inputter or a super admin role.
Yes. However, this would not be instant as the current process as directed by CBN requires manual intervention from the bank’s International Operations Team.
Yes, you can view and download the transaction history as an imputer, super admin, and authorizer user from your dashboard under the Transaction History menu.
Yes there is a default transaction limit of 10 million, however, this can quickly be increased to 250 million naira using NIP (NIBSS Instant Payment- Instant credit to beneficiaries) and 500 million using RTGS or NAPS (Near instant credit to beneficiaries)
Yes, you can integrate our services into the ERP/SAP software within your company.
You can contact Trueserve at 0700 343 35489, via WhatsApp at 0903 000 5252, from abroad at 0908 798 9069, or chat with Ivy at 0903 000 0302. Additionally, you can visit any customer service center at a branch near you.
Yes, the platform is available across the web via browsers such as Microsoft Edge and Google Chrome. It is also available on Android and Apple devices via their app stores.
Yes, corporate online banking is available via the web and mobile app. However, the web is more suited to the inputter, verifier, and admin roles while the app is only suitable for super admin.
Yes, alerts can be set up on several phone numbers.
Yes, several users can be set up on your profile to approve transactions as may be required in your organization.
Transfers are instant via the NIP option.
You can now complete your Remita RRR payments, e-bills and other bill payments like airtime, data, electricity bills etc. directly from CONB.
Yes, the platform is fully featured for bulk and salary payments.
N1-N5000: N10
N5001-N50,000: N25
N50,000 Above: N50
A VAT of 7.5% is also added.
Visit the URL https://conb.fidelitybank.ng and log in using the user details sent to you via mail after the setup from the branch containing the username and password.
Kindly request a password request from the branch via your account officer.
Alternatively, you can request assistance from the profiled admin or super admin to reset the password.
Your admin user can create new users for your corporate online banking, including a verifier, inputter, and authorizer.
- Visa Debit Card
- Mastercard USD Debit Card
- Verve Debit Card
1) Naira Card-issuance = 1,075 VAT incl.
Maintenance fees = N53.75 VAT incl. quarterly
2) Dollar Card-issuance = N1,075 VAT incl. (the customer’s naira account is debited)
Maintenance Fees = $10 annually
Please request a PIN reset in the nearest Fidelity branch
ATM withdrawals: 8 times daily with a cumulative transaction limit of ₦150,000 or its equivalent in any currency if the transaction is done abroad.
POS/ Web: 15 times daily with a cumulative spend limit of ₦1,000,000 or its equivalent in any currency if the transaction is done abroad or on international websites
Individual Naira Cards are not permitted for international transactions across all channels as mandated by CBN
For Dollar Cards- $5,000 (ATM Withdrawals $1,000, POS/WEB $5,000). There is a 2% charge on dollar-to-dollar transactions and 3% for dollar to other currencies. Charges on Dollar Cards are subject to charges from the ATM Owner.
Corporate Naira Cards are not permitted for international transactions across all channels as mandated by CBN
The visa signature card is designed for High Net Worth individuals, this card enriches their lifestyle and provides them with exceptional spending power, a high level of rewards, and priority customer service.
- Cards are EMV certified chip and PIN cards
- 3-year validity
- Denominated in Naira and Dollar
- One-Time-Password (OTP) security for online transactions
- Local ATM transaction limit of N150,000
- Local POS transaction limit of N3,000,000
- International transaction limit of $100 of its equivalent
Card issuance remains N1,000+75vat for this product. This can be requested on the card portal, upon authorization the card will be primed and delivered to the branch within 48 hours.
Card control is a self-service solution that enables our customers to set personalized parameters on their cards such as daily limits, card enablement for international use, and channels to use the card. It is integrated into our Online Banking solution to enable our customers to access it within a secure environment leveraging on the existing security features already implemented on our Online Banking platform.
A virtual card is a secure and flexible alternative to physical payment cards, the virtual card can be used to shop online (locally and internationally), pay bills and subscriptions etc.
Free
Virtual cards can be generated via Mobile or the Web. No need for a branch visit.
Existing and new customers.
N200,000 daily
$100 monthly
This is a Dynamic Currency Conversion (DCC) transaction meaning that the transaction conversion was done at the merchant’s end. Typically, with these transactions, the bank incurs some losses as the amount the cardholder is debited is less than the amount that is sent for settlement by the card scheme which is usually in dollars instead of Naira. Consequently, the system automatically applies a markup.
PRODUCT | MARK – UP |
MASTERCARD NGN/USD | 35% of the transaction amount |
VISA NGN | 35% of the transaction amount |
We advise cardholders to constantly request merchants to send their payments in the local currency of the transaction country.
It is a digital loan product targeted at salary earners who meets the Bank’s eligibility criteria. It is a short-term facility- 30 days
It will be due for repayment by your next salary date or 30 days from the day the loan was taken.
Yes you can. You can self-liquidate by dialing *770*08# and select option 3- pay loan.
You can request by dialing the USSD code *770*08 and select option 1- Apply for loan or via the mobile app.
30 days or your next salary payment.
The fee is 5% which is taken upfront
The maximum amount (i.e eligible amount) you can get is 50% of your net monthly salary subject to N500,000.00 disbursement cap.
- If you apply using a phone number that is not linked to your account
- If there is no evidence that you received a salary in the previous months
- If you have any outstanding loan(s) in Fidelity bank or other banks
- If you have an existing loan and the monthly repayment is higher than your eligible amount.
Once your long request is successful, your Fidelity bank account is credited instantly.
No, it does not. If your salary is processed via any of these third parties -Remita, Tenece, or veripay you can also apply for a payday loan. Please note that you need to open a Fidelity bank account for the loan to be disbursed into this new account.
The loan amount will mature into your account so, leave your account fully funded or it will be deducted at source from your next salary payment- for those that get paid via third parties.
You will need to visit the nearest Fidelity bank branch to obtain a debit card and submit the necessary documentation for the new account. Once this is done, you can dial the USSD code *770*08# to apply.
It is a digital loan targeted at salary earners who meets the Bank’s eligibility criteria.
It has a tenor of 12 months
Customers are at liberty to pay off their facility at their convenience
You can liquidate by dialing the USSD code *770*08# and select option 3 -pay loan.
You can get Up to 40% of net Annual salary subject to a maximum of N5m
The interest rate is 2.25% per month or 27% per annum and Management Fee of 1%.
Request is made by dialing the USSD code *770*08# and select option 1- Apply for loan.
This is a revolving credit facility issued for usage by the customer who may then use it to pay for goods and services with a commitment to pay back.
Kindly visit any Fidelity bank branch with any Valid means of Identification, utility bill, and pay slip(for salaried customers).
Yes you are.
Credit card is for everyone. Regardless of your financial status, you can get a credit card
Credit card is a convenient facility that can come in handy at times of emergency. You only pay when you utilize the funds.
This can be based on your annual gross salary or collateral.
No, you only pay interest on the amount utilized not the credit limit
You can get both a Naira credit card and a Dollar credit card
This is 2.5% on POS/WEB and 3.5% on ATM balances
As a salary earner, you can access any of our credit card variants with a maximum limit of 10% of your gross annual salary.
We offer various loan products like Working Capital Loans and Asset Finance Loans, Healthcare Finance, School Financing and Overdrafts.
A business entity can borrow up to N20,000,000 uncollateralized depending on eligibility for a tenor of up to 6 Months. You can also get up to N720,000,000 for 36 months with collateral.
To get a business loan, you can approach any of our branches and our relationship managers will assist you with the application process. You will need to submit the necessary documents and meet the eligibility criteria to qualify for the loan.
It is dependent on the loan facility as every loan has its own risk asset acceptance criteria.
All legal sectors of the economy are eligible to access and enjoy the loans.
Every SME is required to have or open an account with Fidelity Bank before applying for a loan facility. However, loans can be processed using other bank statements for first time customers.
When you tell us that you aim to work towards providing better healthcare, we want to make sure that it’s possible. And that’s why our loans are designed to further your ambition. Whether it’s about building better emergency care units or investing in specialized equipment, we’re here to help. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
Fidelity Bank offers you school finance to take your school to the next level and it is payable in termly installments. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
7-10 working days for the loan application to be processed once all relevant documents are collected.
You can choose a tenor ranging from 3 to 36 months depending on your preference and the loan sanction conditions.
Fidelity Bank offers unsecured business loans without any collateral, guarantor, or security, to fulfill your business needs. Terms and conditions apply.
Once a loan is approved, the amount shall be disbursed in your bank account within 2 working days.
You may enquire about loan cancellation by sending an email to true.serve@fidelitybank.ng
You will receive a welcome kit on your E-mail ID consisting of your repayment schedule and a copy of the loan agreement within 7 days of loan disbursal.
Moratorium on facilities is allowed, however, it depends on the business justification and transaction dynamics.
Yes. The customer is expected to avail 30% equity contribution if applying for Asset finance.
Yes, if the business cash flow can accommodate all exposures.
For Further Enquiries Please Contact managedsmes@fidelitybank.ng
Kids and Teens
0 – 17yrs
No, the parents/guardians who are signatory to the account are to operate the account on behalf of their kids/teens.
Yes, ATM can be issued on the account at age 15 – 17rs.
The Fidelity Sweet Account offers myriad of benefits to the holders. And such benefits are:
- N150,000 “School Fees Support”
- Birthday Gift pack
- Annual Children Day Celebration e.t.c
Yes, interest is paid on the account every month.
All you need to do is to open a Fidelity Sweet Account and keep running it to enjoy the loyalty benefits. This is aimed to encourage customers to save for the future education of their children while enjoying the loyalty benefit.
It is expected that all the SWEETA holders will benefit the ‘N150,000 “school fees support” though in turn.
You can open the account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- Dulycompleted Account opening form
- 1clear Passport Photograph (both kids/parents)
- Birthcertificate from National Population Commission (NPC)
- OR Baptismal certificate OR Registration of birthfrom Hospital
- ValidID of the parents or Guardian
- A recent utilitybill for proof of address
Yes, interest is not applicable if a customer makes more than four (4) withdrawals in a month.
The target market is Undergraduates, Corp members, and Youths
Yes, but he/she must present a letter of admission/Letter from the Dean of the Student Affairs/NYSC Call up Letter.
Interest is earned monthly on a regular basis (not applicable if the customer makes more than four (4) withdrawals in a month.
Yes, a debit card of the signatory’s choice can be issued.
The Fidelity Flex Account offers a myriad of benefits to the holders. And such benefits are;
- Free invitation to our quarterly membership program
- Cheques and dividend warrant lodgment
- Draft issuance
- Ease access to Internet banking services
- No monthly maintenance fees
Yes, interest is not applicable if the customer makes more than four (4) withdrawals in a month.
You can open the account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- 1 passport photograph
- School/NYSC ID
- Reference letter from department/faculty/school/NYSC call-up letter
The target market is Middle class, Self-employed, Shop owners etc..
18yrs & above
Open with any amount
The Operating balance for FPSS IS N2,000
Yes, an ATM can be issued on the account of any choice.
It offers a quarterly loyalty cash reward of N500,000 “Extra Income.” to customers though in turn.
Yes, Allows third-party withdrawal
Yes, interest is paid on the account every month.
Yes, interest is not applicable if the customer makes more than four (4) withdrawals in a month.
All you need to do is to open a Fidelity Personal Savings Scheme Account and keep running it to enjoy the loyalty benefits. This is aimed to encourage customers to save for the future.
It is expected that all the FPSS holders will benefit from the ‘N500,000 “Extra Income support” though in turn.
You can open an account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
Individual: – Non-Checking
- 1 passport photograph
- Valid mean of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
Individual: -Checking
- 1 passport photograph
- Valid mean of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
- Utility Bill
- 1 Reference
Corporate Entities:
- 1 passport photograph
- Valid mean of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
The Target Market are Rate sensitive savers, Skill Professionals, traders, small business owners, schools, churches etc..
18yrs & above
Open with any amount
Operating balance of N5,000
Yes, an ATM can be issued on the account of any choice.
Earn Regular Monthly Interest (not applicable if customer makes more than 3 withdrawals in a month)
Yes, interest is paid on the account every month.
Yes, the HYSA offers a premium rate, and its higher than the regular savings interest rate.
All you need to open the account are:
Individual:
- 1 passport photograph
- Valid means of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
- Utility Bill
- 2 complete references
Yes
Yes, it allows the deposit of cheques/dividend warrants but it does not go through the clearing process.
The target market is Individuals of 18 years and above (survivors, artisans, and low-income earners)
Individuals of 18 years and above.
Yes, an ATM can be issued on the account.
The Fidelity Savings Account offers a myriad of benefits to the holders. And such benefits are:
- Draft issuance
- Easy access to Internet banking services
- Issuance of ATM cards and other e-bank channels e.t.c
Yes, interest is paid on the account every month.
Yes, interest will not be paid to customers who make more than 4 withdrawals in a month.
You can open the account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- Dulycompleted Account opening form
- 1clear Passport Photograph
- Validmeans of identification
- A recent utilitybill for proof of address.
Some of the features of the account are:
- It can be opened with any amount.
- Minimum operating balance of N1,000.
- No third-party withdrawal.
- It allows issuance of draft.
Yes, there is access to free Internet banking
The target market are Petty traders, low-income earners, the unbanked e.t.c
Individuals of 18 years and above.
Yes, an ATM can be issued on the account.
The Fidelity Easi-Save Account offers a myriad of benefits to the holders. And such benefits are:
- Close relationship management
- Free access to Internet banking
- Issuance of ATM card for ATM & POS transactions e.t.c
Yes, interest is paid on the account every month.
Yes, interest will not be paid to customers who make more than 4 withdrawals in a month.
You can open an account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- Dulycompleted Account opening form
- 1clear Passport Photograph
- Validmeans of identification
- A recent utilitybill for proof of address.
Some of the features of the account are:
- It can be opened with any amount.
- Minimum operating balance of N1,000.
- No third-party withdrawal.
- Account can be opened with only one passport photograph.
Yes, there is access to free Internet banking
A virtual account (also known as PayWithTransfer) is a digital bank account that is created and managed entirely online, without needing to visit a physical bank branch. It’s used for electronic transactions such as payments, transfers, and bill payments. This is often used by businesses to manage their cash flow and separate funds for specific purposes.
Virtual accounts work by using a unique identifier or code that is assigned to each customer or transaction. This identifier is used to track and manage the transactions associated with the Account.
Virtual accounts offer several benefits, including improved transaction tracking and management, reduced transaction costs, increased security, and greater flexibility in payment processing.
The merchant must be an account holder in Fidelity Bank and to get started click on the link below. In general, you will need to provide personal or business information and create a unique identifier or code for the account.
Completed Virtual Account form only, CLICK HERE TO GET STARTED
No, you can get started remotely. CLICK HERE
No additional charges
Settlement is instant
A reporting dashboard is availed to merchant online real-time to confirm the status of payment. Also via emails and instant SMS payment notification.
No, there is no limit. The only limit is one imposed by the Merchant.
Virtual accounts are used in a wide range of industries, including e-commerce, retail, and healthcare examples are hotels, airlines, Eateries & Restaurants, Petrol Stations.
Yes, virtual accounts can be used for international transactions, although the specific requirements and restrictions may vary depending on the Merchant request.
The main difference between a virtual account and a traditional bank account is that a virtual account is entirely digital. Additionally, virtual accounts often offer more flexibility and lower transaction costs than traditional bank accounts.
Yes, virtual accounts are generally secure, although it is important to follow best practices for online security, such as using strong passwords and enabling two-factor authentication.
Yes, virtual accounts can be used for recurring payments, such as subscription services or regular bill payments.
- Static Virtual Account
- Dynamic virtual account.
A static virtual account is a type of virtual account that has a fixed or permanent account number that remains the same for every transaction. This means that whenever a payment or transfer is made to the account, the same account number is used every time.
A dynamic virtual account is a type of virtual account that generates a unique account number for each transaction for a payment to be made within a certain duration. This means that whenever a payment or transfer is made to the account, a different account number is generated each time.
Fidelity Diaspora banking is designed to make financial solutions in Fidelity bank available to Nigerians who reside abroad in a convenient manner.
Nigerians who reside outside Nigeria
- Individual and Corporate Naira and Domiciliary accounts
- Available in Naira (Current and Savings) and Domiciliary Current (Dollars, Pound Sterling, and Euro)
- Cards (Prepaid, Debit, Credit and Virtual Cards)
- Investment Advisory
- E-banking services- Internet and Mobile Banking, Email and SMS alerts
- Mortgage
- Account Update, Reactivation, and upgrade
- For further information on these offers, please mail: diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936
Individual
1. Duly completed account opening forms 2. Bank Verification Number (BVN) 3. One recent passport 4. Photograph 5. Proof of address – Attested foreign Utility bill E.g., water, power, gas, or heating bill, rent, account statement etc. not more than three months old 6. Proof of Identification– Nigerian statutory IDs (Nigerian International Passport, Driver’s Licence, Voter’s Card, or National Identity Card) or Attested Foreign ID card issued by government of country of residence. 7. Two references from current account holders in any Nigerian bank (for current and domiciliary accounts)
| Corporate
1. Duly completed account opening forms 2. All Corporate Affairs Commission (CAC) registration documents 3. Board resolution signed by either the chairman and the secretary or two directors 4. Nigerian utility bill with company address not more than three months old. 5. Recent utility bill(s) of signatory(s) (bill should be notarized for foreign address) 6. Passport photo of signatory(s). 7. Valid ID card of all signatories and directors. 8. BVN of all signatories and directors 9. Two references from corporate account holders in any Nigerian bank. 10. TIN (Tax Identification Number) |
- Open online via https://eserve.fidelitybank.ng/diaspora/
- Scan completed editable account opening forms and supporting documents to diasporacustomerservice@fidelitybank.ng for account opening in the branch.
Yes, by completing and scanning the necessary forms with your current information and supported with a valid ID card and notarized recent utility bill of your foreign address to diasporacustomerservice@fidelitybank.ng
No, your account number remains the same.
- Transfer directly from your bank abroad via wire transfers using our offshore bank details.
- Transfer from money transfer operators (e.g., WorldRemit, Small World, Remitly, Thunes, RIA etc)
- Cash and Cheque deposits
- Fund transfer from any bank in Nigeria.
- By using electronic channels- Mobile and Internet banking
- Use of Cards
- Through Cheques
This requirement is in line with the CBN directives on ‘Know Your Customer’
Yes, there is the option of a joint nominee signatory.
Based on your instruction, it is sent to your specified address by courier. Alternatively, you may authorize a proxy to pick it up.
Yes, simply send an instruction to diasporacustomerservice@fidelitybank.ng . The beneficiary can collect funds from any of our branches nationwide upon proper identification.
By completing and scanning the necessary forms with your current information and supported with a valid ID card and notarized recent utility bill of your foreign address to diasporacustomerservice@fidelitybank.ng
Information on BVN centers abroad can be found on NIBSS website.
https://nibss-plc.com.ng/services/bvn_enrollment_centers or contact diasporacustomerservice@fidelitybank.ng
Email: diasporacustomerservice@fidelitybank.ng
Phone number: +234-1-2701936
To open an SME bank account, visit https://digital.fidelitybank.ng/accountopening/#/ to open an account, or you can visit any of our branches and our relationship managers will assist you with the account opening process.
For registered and unregistered businesses, Please visit Low Cost SME Current Account – Fidelity Bank Plc to select an account that suits your business need.
Current accounts become dormant after 6 months of inactivity.
We offer various loan products like Working Capital Loans and Asset Finance Loans, Healthcare Finance, School Financing and Overdrafts.
A business entity can borrow up to N20,000,000 uncollateralized depending on eligibility for a tenor of up to 6 Months. You can also get up to N720,000,000 for 36 months with collateral.
To get a business loan, you can approach any of our branches and our relationship managers will assist you with the application process. You will need to submit the necessary documents and meet the eligibility criteria to qualify for the loan.
It is dependent on the loan facility as every loan has its own risk asset acceptance criteria.
All legal sectors of the economy are eligible to access and enjoy the loans.
Every SME is required to have or open an account with Fidelity Bank before applying for a loan facility. However, loans can be processed using other bank statements for first time customers.
When you tell us that you aim to work towards providing better healthcare, we want to make sure that it’s possible. And that’s why our loans are designed to further your ambition. Whether it’s about building better emergency care units or investing in specialized equipment, we’re here to help. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
Fidelity Bank offers you school finance to take your school to the next level and it is payable in termly installments. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
7-10 working days for the loan application to be processed once all relevant documents are collected.
You can choose a tenor ranging from 3 to 36 months depending on your preference and the loan sanction conditions.
Fidelity Bank offers unsecured business loans without any collateral, guarantor, or security, to fulfill your business needs. Terms and conditions apply.
Once a loan is approved, the amount shall be disbursed in your bank account within 2 working days.
You may enquire about loan cancellation by sending an email to true.serve@fidelitybank.ng.
You will receive a welcome kit on your E-mail ID consisting of your repayment schedule and a copy of the loan agreement within 7 days of loan disbursal.
Moratorium on facilities is allowed, however, it depends on the business justification and transaction dynamics.
Yes. The customer is expected to avail 30% equity contribution if applying for Asset finance.
Yes, if the business cash flow can accommodate all exposures.
For Further Enquiries Please Contact managedsmes@fidelitybank.ng
For any complaints or enquiries, please click here to contact Trueserve.
Please click on the link https://www.fidelitybank.ng/open-account/ to start banking with us or walk into the nearest fidelity branch to open an account.
The account tiers are:
- Tier 1
- Tier 2
- Tier 3
The Maximum cumulative balance is N300,000
- If your balance exceeds this amount you will need to upgrade your account to a Tier 2 or Tier 3 savings account.
The Maximum single deposit is N50,000
You will need to provide the following:
- Duly completed account opening form
- 1 clear passport photograph
- Data protection
The Maximum cumulative balance is N500,000
- If your balance exceeds this amount you will need to upgrade your account to a Tier 3 savings account.
The Maximum single deposit is N100,000
You will need to provide the following:
- Duly completed account opening form
- 1 clear passport photograph
- Data protection
- Valid ID
- BVN
This account is unlimited
This account is unlimited
You will need to provide the following:
- Duly completed account opening form
- 1 clear passport photograph
- Data protection
- Valid ID
- BVN
- Utility Bill
Visit Internet banking at www.fidelitybank.ng to upgrade your account. Alternatively, you can download and fill out the request form and forward it to true.serve@fidelitybank.ng
You’ll be able to enjoy the full benefits of a Tier 3 account with:
- No limits to transfers
- No single deposit limits, and
- No total savings limit.
Using a Fidelity Bank card on a Fidelity Bank ATM, the daily withdrawal limit of ₦60,000 per day applies.
This means that you are trying to withdraw an amount more than the amount you have in your account at the moment. You need to check your balance and take note of the available balance while taking the minimum account balance also into consideration.
This occurs when the PIN is entered incorrectly up to three times or when the card has been hot-listed after being reported lost/stolen/damaged etc.
If it is a Fidelity Bank card used on a Fidelity Bank ATM, kindly walk into the bank or the closest branch and inform the Customer Service Unit (CSU) officer of the incident with proof of identification.
If the Fidelity Bank card is used on another bank’s ATM, the acquiring bank must perforate it, making the card unusable, and return it to the issuer as directed by CBN the next working day. This means the ATM card cannot be retrieved. You will need to get a new ATM card from Fidelity Bank.
The Fidelity Bank ATM service offers 24-hour access to cash withdrawal, bill payment, cardless transaction, funds transfer, and airtime recharge services.
- Dial *770# and follow the prompt
- Select any transaction from the menu
- You will be prompted to register
- Enter the account number
- Create a PIN
The Daily top-up limit is N20,000 for recharge.
The minimum fund transfer limit is N1,000 and the maximum is N20,000 per
transaction with a cumulative transfer amount of N100,000 daily.
- Account opening
- Airtime and Data Vending.
- Bills Payment
- Transfer
- Block Card
- Cardless Withdrawal
- Update Information (BVN and Email)
- PIN reset
- LASG Collections (LAWMA, LSWC, LASTMA etc)
- Airtime Auto Top Up
- Loan request
- Fidelity Loan On Account Performance (FLOAT)
- Point of Transaction Loan (POT)
UNLOCK EASY BANKING WITH *770#
Get started with your Fidelity account. | SHORT CODES |
Open an account. | *770*01# |
Account number and BVN details | *770*5# |
Account officer’s details | *770*03# |
Enroll for USSD via referral. | *770*ReferralPhoneNumber# |
Update KYC Information (Email, BVN) | *770*02# |
|
|
Transact with your mobile. |
|
Access the instant banking menu. | *770*1# |
Buy Airtime | *770*PhoneNumber*Amount# |
Transfer funds | *770*DestinationAccount*Amount# |
Transfer funds with narration | *770*DestinationAccount*Amount*1# |
Pay Bills | *770*Billercode*Amount# |
Make Remita payments. | *770*RRR# |
Dial 4cash or cash out | *770*8*Amount# |
Opt out of alert subscription | *770*2# |
Check your balance | *770*0# |
Card reissuance lien removal | *770*6# |
|
|
In cases of emergency |
|
Change PIN | *770*00# |
Block Card | *770*911# |
Block/ Freeze account | *770*PhoneNumber# |
Fast loan | *770*08# |
Please call Trueserve or forward the complaint to the branch for the customer
service representative to resolve.
It is a network failure. Customer should be advised to retry transactions
If the error is prompted at the end of a transaction, there is a restriction on the
customer’s account. If account is dormant, You need to perform a customerinduced transaction to activate the account, then retry enrollment the next day.
The Fidelity SME Online Account Opening Portal is a web-based portal designed to enable instant generation of account numbers for SME corporate accounts.
No, The Fidelity SME Online Account Opening Portal has accounts for both registered and unregistered Businesses.
Accounts opened via this platform will automatically be placed on Post No Debit (PND) pending regularization which would involve proper documentation at the branches. The account is generated as a Tier 1 account until customer’s documentation is completed at the branch. This means that you will not be able to withdraw from the account until you have completed your documentations, however, you can pay in money to the account.
There are no documents needed to generate an account on the portal. Customer will only be asked to submit the necessary documents to a branch, after account number has been generated, for regularization. The documents include Passport photo, Valid Identification (NIN, International passport, driver’s license, valid voters’ card), Utility Bill and SCUML (if applicable)
Three (3) types of SME accounts can be opened via this platform. They include:-
- Fidelity Small Business Account (FSBA) Individual
- Fidelity Small Business Account (FSBA) Corporate
- The Fidelity Premium Business Account (FPBA)
Yes. Unregistered businesses can open the GEEP Unregistered Current Account or the Fidelity Small Business Account (FSBA) Individual via the portal.
The Referral Code is the Staff ID number (Pxxxx) of the staff that referred you to the bank’s online account opening portal.
Yes, successfully created accounts can receive deposits before regularization.
Instantly. The account number will be generated immediately
The customer will be directed to a final page on the portal which will indicate that the account creation was successful. The customer’s new account number will also be displayed on the page.
Customer is advised to visit a branch to submit all required documents (which is also listed on the portal) for the account creation process to be complete.
You can access the SME Online account opening portal via https://digital.fidelitybank.ng/accountopening/#/ or Fidelity Bank – Online Account Portal
Confirm that the token response entered is correct.
Confirm that the token response entered is correct. Ensure the time zone on
the device is west Africa with the date/time also same.
Contact the Branch CSO/Virtual branch to synchronize the token on entrust.
Please log in to online banking via web/app and set/reset the secret
question.
Restart your phone and retry. If issue persists, Contact Trueserve.
Update the app and ensure the correct details are keyed in.
Visit the branch to delete the username the customer does not use from Profectus and retry after 24hrs.
If customer has forgotten, he should set it up again. Settings – Create PIN
Ensure the phone number is correct, if changed, contact Truserve to update
phone Number.
Confirm you are using the correct credentials or initiate a password reset if
login details are forgotten.
Visit the branch or contact Trueserve to unlock the customer on Profectus
Customer should log out and login again to enable system to generate
another question, if customer cannot remember all three questions, then
advise customer should login to online banking via web/app and set/reset
the secret question.
Branch CSO should unlock Customer on entrust.
Please login to online banking and reset PIN.
Please visit the branch to activate the you on profectus and advice retry once done.
Visit the URL https://conb.fidelitybank.ng
When logging in, user is required to use a password.
When committing a payment or action with significance, such as a workflow or user creation, a user is required to authenticate using a token. The token can either be a soft or hard token.
When logging in from a new or different device or browser, the user is required to authenticate using an OTP response or token response in addition to the password.
Yes, you can have different accounts and users linked to one profile.
Select the Transfer option from the dashboard if you were setup with an inputter or a super admin role.
Yes. However, this would not be instant as the current process as directed by CBN requires manual intervention from the bank’s International Operations Team.
Yes, you can view and download the transaction history as an imputer, super admin, and authorizer user from your dashboard under the Transaction History menu.
Yes there is a default transaction limit of 10 million, however, this can quickly be increased to 250 million naira using NIP (NIBSS Instant Payment- Instant credit to beneficiaries) and 500 million using RTGS or NAPS (Near instant credit to beneficiaries)
Yes, you can integrate our services into the ERP/SAP software within your company.
You can contact Trueserve at 0700 343 35489, via WhatsApp at 0903 000 5252, from abroad at 0908 798 9069, or chat with Ivy at 0903 000 0302. Additionally, you can visit any customer service center at a branch near you.
Yes, the platform is available across the web via browsers such as Microsoft Edge and Google Chrome. It is also available on Android and Apple devices via their app stores.
Yes, corporate online banking is available via the web and mobile app. However, the web is more suited to the inputter, verifier, and admin roles while the app is only suitable for super admin.
Yes, alerts can be set up on several phone numbers.
Yes, several users can be set up on your profile to approve transactions as may be required in your organization.
Transfers are instant via the NIP option.
You can now complete your Remita RRR payments, e-bills and other bill payments like airtime, data, electricity bills etc. directly from CONB.
Yes, the platform is fully featured for bulk and salary payments.
N1-N5000: N10
N5001-N50,000: N25
N50,000 Above: N50
A VAT of 7.5% is also added.
Visit the URL https://conb.fidelitybank.ng and log in using the user details sent to you via mail after the setup from the branch containing the username and password.
Kindly request a password request from the branch via your account officer.
Alternatively, you can request assistance from the profiled admin or super admin to reset the password.
Your admin user can create new users for your corporate online banking, including a verifier, inputter, and authorizer.
- Visa Debit Card
- Mastercard USD Debit Card
- Verve Debit Card
1) Naira Card-issuance = 1,075 VAT incl.
Maintenance fees = N53.75 VAT incl. quarterly
2) Dollar Card-issuance = N1,075 VAT incl. (the customer’s naira account is debited)
Maintenance Fees = $10 annually
Please request a PIN reset in the nearest Fidelity branch
ATM withdrawals: 8 times daily with a cumulative transaction limit of ₦150,000 or its equivalent in any currency if the transaction is done abroad.
POS/ Web: 15 times daily with a cumulative spend limit of ₦1,000,000 or its equivalent in any currency if the transaction is done abroad or on international websites
Individual Naira Cards are not permitted for international transactions across all channels as mandated by CBN
For Dollar Cards- $5,000 (ATM Withdrawals $1,000, POS/WEB $5,000). There is a 2% charge on dollar-to-dollar transactions and 3% for dollar to other currencies. Charges on Dollar Cards are subject to charges from the ATM Owner.
Corporate Naira Cards are not permitted for international transactions across all channels as mandated by CBN
The visa signature card is designed for High Net Worth individuals, this card enriches their lifestyle and provides them with exceptional spending power, a high level of rewards, and priority customer service.
- Cards are EMV certified chip and PIN cards
- 3-year validity
- Denominated in Naira and Dollar
- One-Time-Password (OTP) security for online transactions
- Local ATM transaction limit of N150,000
- Local POS transaction limit of N3,000,000
- International transaction limit of $100 of its equivalent
Card issuance remains N1,000+75vat for this product. This can be requested on the card portal, upon authorization the card will be primed and delivered to the branch within 48 hours.
Card control is a self-service solution that enables our customers to set personalized parameters on their cards such as daily limits, card enablement for international use, and channels to use the card. It is integrated into our Online Banking solution to enable our customers to access it within a secure environment leveraging on the existing security features already implemented on our Online Banking platform.
A virtual card is a secure and flexible alternative to physical payment cards, the virtual card can be used to shop online (locally and internationally), pay bills and subscriptions etc.
Free
Virtual cards can be generated via Mobile or the Web. No need for a branch visit.
Existing and new customers.
N200,000 daily
$100 monthly
This is a Dynamic Currency Conversion (DCC) transaction meaning that the transaction conversion was done at the merchant’s end. Typically, with these transactions, the bank incurs some losses as the amount the cardholder is debited is less than the amount that is sent for settlement by the card scheme which is usually in dollars instead of Naira. Consequently, the system automatically applies a markup.
PRODUCT | MARK – UP |
MASTERCARD NGN/USD | 35% of the transaction amount |
VISA NGN | 35% of the transaction amount |
We advise cardholders to constantly request merchants to send their payments in the local currency of the transaction country.
It is a digital loan product targeted at salary earners who meets the Bank’s eligibility criteria. It is a short-term facility- 30 days
It will be due for repayment by your next salary date or 30 days from the day the loan was taken.
Yes you can. You can self-liquidate by dialing *770*08# and select option 3- pay loan.
You can request by dialing the USSD code *770*08 and select option 1- Apply for loan or via the mobile app.
30 days or your next salary payment.
The fee is 5% which is taken upfront
The maximum amount (i.e eligible amount) you can get is 50% of your net monthly salary subject to N500,000.00 disbursement cap.
- If you apply using a phone number that is not linked to your account
- If there is no evidence that you received a salary in the previous months
- If you have any outstanding loan(s) in Fidelity bank or other banks
- If you have an existing loan and the monthly repayment is higher than your eligible amount.
Once your long request is successful, your Fidelity bank account is credited instantly.
No, it does not. If your salary is processed via any of these third parties -Remita, Tenece, or veripay you can also apply for a payday loan. Please note that you need to open a Fidelity bank account for the loan to be disbursed into this new account.
The loan amount will mature into your account so, leave your account fully funded or it will be deducted at source from your next salary payment- for those that get paid via third parties.
You will need to visit the nearest Fidelity bank branch to obtain a debit card and submit the necessary documentation for the new account. Once this is done, you can dial the USSD code *770*08# to apply.
It is a digital loan targeted at salary earners who meets the Bank’s eligibility criteria.
It has a tenor of 12 months
Customers are at liberty to pay off their facility at their convenience
You can liquidate by dialing the USSD code *770*08# and select option 3 -pay loan.
You can get Up to 40% of net Annual salary subject to a maximum of N5m
The interest rate is 2.25% per month or 27% per annum and Management Fee of 1%.
Request is made by dialing the USSD code *770*08# and select option 1- Apply for loan.
This is a revolving credit facility issued for usage by the customer who may then use it to pay for goods and services with a commitment to pay back.
Kindly visit any Fidelity bank branch with any Valid means of Identification, utility bill, and pay slip(for salaried customers).
Yes you are.
Credit card is for everyone. Regardless of your financial status, you can get a credit card
Credit card is a convenient facility that can come in handy at times of emergency. You only pay when you utilize the funds.
This can be based on your annual gross salary or collateral.
No, you only pay interest on the amount utilized not the credit limit
You can get both a Naira credit card and a Dollar credit card
This is 2.5% on POS/WEB and 3.5% on ATM balances
As a salary earner, you can access any of our credit card variants with a maximum limit of 10% of your gross annual salary.
We offer various loan products like Working Capital Loans and Asset Finance Loans, Healthcare Finance, School Financing and Overdrafts.
A business entity can borrow up to N20,000,000 uncollateralized depending on eligibility for a tenor of up to 6 Months. You can also get up to N720,000,000 for 36 months with collateral.
To get a business loan, you can approach any of our branches and our relationship managers will assist you with the application process. You will need to submit the necessary documents and meet the eligibility criteria to qualify for the loan.
It is dependent on the loan facility as every loan has its own risk asset acceptance criteria.
All legal sectors of the economy are eligible to access and enjoy the loans.
Every SME is required to have or open an account with Fidelity Bank before applying for a loan facility. However, loans can be processed using other bank statements for first time customers.
When you tell us that you aim to work towards providing better healthcare, we want to make sure that it’s possible. And that’s why our loans are designed to further your ambition. Whether it’s about building better emergency care units or investing in specialized equipment, we’re here to help. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
Fidelity Bank offers you school finance to take your school to the next level and it is payable in termly installments. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
7-10 working days for the loan application to be processed once all relevant documents are collected.
You can choose a tenor ranging from 3 to 36 months depending on your preference and the loan sanction conditions.
Fidelity Bank offers unsecured business loans without any collateral, guarantor, or security, to fulfill your business needs. Terms and conditions apply.
Once a loan is approved, the amount shall be disbursed in your bank account within 2 working days.
You may enquire about loan cancellation by sending an email to true.serve@fidelitybank.ng
You will receive a welcome kit on your E-mail ID consisting of your repayment schedule and a copy of the loan agreement within 7 days of loan disbursal.
Moratorium on facilities is allowed, however, it depends on the business justification and transaction dynamics.
Yes. The customer is expected to avail 30% equity contribution if applying for Asset finance.
Yes, if the business cash flow can accommodate all exposures.
For Further Enquiries Please Contact managedsmes@fidelitybank.ng
Kids and Teens
0 – 17yrs
No, the parents/guardians who are signatory to the account are to operate the account on behalf of their kids/teens.
Yes, ATM can be issued on the account at age 15 – 17rs.
The Fidelity Sweet Account offers myriad of benefits to the holders. And such benefits are:
- N150,000 “School Fees Support”
- Birthday Gift pack
- Annual Children Day Celebration e.t.c
Yes, interest is paid on the account every month.
All you need to do is to open a Fidelity Sweet Account and keep running it to enjoy the loyalty benefits. This is aimed to encourage customers to save for the future education of their children while enjoying the loyalty benefit.
It is expected that all the SWEETA holders will benefit the ‘N150,000 “school fees support” though in turn.
You can open the account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- Dulycompleted Account opening form
- 1clear Passport Photograph (both kids/parents)
- Birthcertificate from National Population Commission (NPC)
- OR Baptismal certificate OR Registration of birthfrom Hospital
- ValidID of the parents or Guardian
- A recent utilitybill for proof of address
Yes, interest is not applicable if a customer makes more than four (4) withdrawals in a month.
The target market is Undergraduates, Corp members, and Youths
Yes, but he/she must present a letter of admission/Letter from the Dean of the Student Affairs/NYSC Call up Letter.
Interest is earned monthly on a regular basis (not applicable if the customer makes more than four (4) withdrawals in a month.
Yes, a debit card of the signatory’s choice can be issued.
The Fidelity Flex Account offers a myriad of benefits to the holders. And such benefits are;
- Free invitation to our quarterly membership program
- Cheques and dividend warrant lodgment
- Draft issuance
- Ease access to Internet banking services
- No monthly maintenance fees
Yes, interest is not applicable if the customer makes more than four (4) withdrawals in a month.
You can open the account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- 1 passport photograph
- School/NYSC ID
- Reference letter from department/faculty/school/NYSC call-up letter
The target market is Middle class, Self-employed, Shop owners etc..
18yrs & above
Open with any amount
The Operating balance for FPSS IS N2,000
Yes, an ATM can be issued on the account of any choice.
It offers a quarterly loyalty cash reward of N500,000 “Extra Income.” to customers though in turn.
Yes, Allows third-party withdrawal
Yes, interest is paid on the account every month.
Yes, interest is not applicable if the customer makes more than four (4) withdrawals in a month.
All you need to do is to open a Fidelity Personal Savings Scheme Account and keep running it to enjoy the loyalty benefits. This is aimed to encourage customers to save for the future.
It is expected that all the FPSS holders will benefit from the ‘N500,000 “Extra Income support” though in turn.
You can open an account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
Individual: – Non-Checking
- 1 passport photograph
- Valid mean of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
Individual: -Checking
- 1 passport photograph
- Valid mean of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
- Utility Bill
- 1 Reference
Corporate Entities:
- 1 passport photograph
- Valid mean of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
The Target Market are Rate sensitive savers, Skill Professionals, traders, small business owners, schools, churches etc..
18yrs & above
Open with any amount
Operating balance of N5,000
Yes, an ATM can be issued on the account of any choice.
Earn Regular Monthly Interest (not applicable if customer makes more than 3 withdrawals in a month)
Yes, interest is paid on the account every month.
Yes, the HYSA offers a premium rate, and its higher than the regular savings interest rate.
All you need to open the account are:
Individual:
- 1 passport photograph
- Valid means of ID (Nat’l ID card, Int’l Passport, Driver’s license or Voters card)
- Utility Bill
- 2 complete references
Yes
Yes, it allows the deposit of cheques/dividend warrants but it does not go through the clearing process.
The target market is Individuals of 18 years and above (survivors, artisans, and low-income earners)
Individuals of 18 years and above.
Yes, an ATM can be issued on the account.
The Fidelity Savings Account offers a myriad of benefits to the holders. And such benefits are:
- Draft issuance
- Easy access to Internet banking services
- Issuance of ATM cards and other e-bank channels e.t.c
Yes, interest is paid on the account every month.
Yes, interest will not be paid to customers who make more than 4 withdrawals in a month.
You can open the account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- Dulycompleted Account opening form
- 1clear Passport Photograph
- Validmeans of identification
- A recent utilitybill for proof of address.
Some of the features of the account are:
- It can be opened with any amount.
- Minimum operating balance of N1,000.
- No third-party withdrawal.
- It allows issuance of draft.
Yes, there is access to free Internet banking
The target market are Petty traders, low-income earners, the unbanked e.t.c
Individuals of 18 years and above.
Yes, an ATM can be issued on the account.
The Fidelity Easi-Save Account offers a myriad of benefits to the holders. And such benefits are:
- Close relationship management
- Free access to Internet banking
- Issuance of ATM card for ATM & POS transactions e.t.c
Yes, interest is paid on the account every month.
Yes, interest will not be paid to customers who make more than 4 withdrawals in a month.
You can open an account through any of our digital channels or visit the nearest branch.
All you need to open the account are:
- Dulycompleted Account opening form
- 1clear Passport Photograph
- Validmeans of identification
- A recent utilitybill for proof of address.
Some of the features of the account are:
- It can be opened with any amount.
- Minimum operating balance of N1,000.
- No third-party withdrawal.
- Account can be opened with only one passport photograph.
Yes, there is access to free Internet banking
A virtual account (also known as PayWithTransfer) is a digital bank account that is created and managed entirely online, without needing to visit a physical bank branch. It’s used for electronic transactions such as payments, transfers, and bill payments. This is often used by businesses to manage their cash flow and separate funds for specific purposes.
Virtual accounts work by using a unique identifier or code that is assigned to each customer or transaction. This identifier is used to track and manage the transactions associated with the Account.
Virtual accounts offer several benefits, including improved transaction tracking and management, reduced transaction costs, increased security, and greater flexibility in payment processing.
The merchant must be an account holder in Fidelity Bank and to get started click on the link below. In general, you will need to provide personal or business information and create a unique identifier or code for the account.
Completed Virtual Account form only, CLICK HERE TO GET STARTED
No, you can get started remotely. CLICK HERE
No additional charges
Settlement is instant
A reporting dashboard is availed to merchant online real-time to confirm the status of payment. Also via emails and instant SMS payment notification.
No, there is no limit. The only limit is one imposed by the Merchant.
Virtual accounts are used in a wide range of industries, including e-commerce, retail, and healthcare examples are hotels, airlines, Eateries & Restaurants, Petrol Stations.
Yes, virtual accounts can be used for international transactions, although the specific requirements and restrictions may vary depending on the Merchant request.
The main difference between a virtual account and a traditional bank account is that a virtual account is entirely digital. Additionally, virtual accounts often offer more flexibility and lower transaction costs than traditional bank accounts.
Yes, virtual accounts are generally secure, although it is important to follow best practices for online security, such as using strong passwords and enabling two-factor authentication.
Yes, virtual accounts can be used for recurring payments, such as subscription services or regular bill payments.
- Static Virtual Account
- Dynamic virtual account.
A static virtual account is a type of virtual account that has a fixed or permanent account number that remains the same for every transaction. This means that whenever a payment or transfer is made to the account, the same account number is used every time.
A dynamic virtual account is a type of virtual account that generates a unique account number for each transaction for a payment to be made within a certain duration. This means that whenever a payment or transfer is made to the account, a different account number is generated each time.
Fidelity Diaspora banking is designed to make financial solutions in Fidelity bank available to Nigerians who reside abroad in a convenient manner.
Nigerians who reside outside Nigeria
- Individual and Corporate Naira and Domiciliary accounts
- Available in Naira (Current and Savings) and Domiciliary Current (Dollars, Pound Sterling, and Euro)
- Cards (Prepaid, Debit, Credit and Virtual Cards)
- Investment Advisory
- E-banking services- Internet and Mobile Banking, Email and SMS alerts
- Mortgage
- Account Update, Reactivation, and upgrade
- For further information on these offers, please mail: diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936
Individual
1. Duly completed account opening forms 2. Bank Verification Number (BVN) 3. One recent passport 4. Photograph 5. Proof of address – Attested foreign Utility bill E.g., water, power, gas, or heating bill, rent, account statement etc. not more than three months old 6. Proof of Identification– Nigerian statutory IDs (Nigerian International Passport, Driver’s Licence, Voter’s Card, or National Identity Card) or Attested Foreign ID card issued by government of country of residence. 7. Two references from current account holders in any Nigerian bank (for current and domiciliary accounts)
| Corporate
1. Duly completed account opening forms 2. All Corporate Affairs Commission (CAC) registration documents 3. Board resolution signed by either the chairman and the secretary or two directors 4. Nigerian utility bill with company address not more than three months old. 5. Recent utility bill(s) of signatory(s) (bill should be notarized for foreign address) 6. Passport photo of signatory(s). 7. Valid ID card of all signatories and directors. 8. BVN of all signatories and directors 9. Two references from corporate account holders in any Nigerian bank. 10. TIN (Tax Identification Number) |
- Open online via https://eserve.fidelitybank.ng/diaspora/
- Scan completed editable account opening forms and supporting documents to diasporacustomerservice@fidelitybank.ng for account opening in the branch.
Yes, by completing and scanning the necessary forms with your current information and supported with a valid ID card and notarized recent utility bill of your foreign address to diasporacustomerservice@fidelitybank.ng
No, your account number remains the same.
- Transfer directly from your bank abroad via wire transfers using our offshore bank details.
- Transfer from money transfer operators (e.g., WorldRemit, Small World, Remitly, Thunes, RIA etc)
- Cash and Cheque deposits
- Fund transfer from any bank in Nigeria.
- By using electronic channels- Mobile and Internet banking
- Use of Cards
- Through Cheques
This requirement is in line with the CBN directives on ‘Know Your Customer’
Yes, there is the option of a joint nominee signatory.
Based on your instruction, it is sent to your specified address by courier. Alternatively, you may authorize a proxy to pick it up.
Yes, simply send an instruction to diasporacustomerservice@fidelitybank.ng . The beneficiary can collect funds from any of our branches nationwide upon proper identification.
By completing and scanning the necessary forms with your current information and supported with a valid ID card and notarized recent utility bill of your foreign address to diasporacustomerservice@fidelitybank.ng
Information on BVN centers abroad can be found on NIBSS website.
https://nibss-plc.com.ng/services/bvn_enrollment_centers or contact diasporacustomerservice@fidelitybank.ng
Email: diasporacustomerservice@fidelitybank.ng
Phone number: +234-1-2701936
To open an SME bank account, visit https://digital.fidelitybank.ng/accountopening/#/ to open an account, or you can visit any of our branches and our relationship managers will assist you with the account opening process.
For registered and unregistered businesses, Please visit Low Cost SME Current Account – Fidelity Bank Plc to select an account that suits your business need.
Current accounts become dormant after 6 months of inactivity.
We offer various loan products like Working Capital Loans and Asset Finance Loans, Healthcare Finance, School Financing and Overdrafts.
A business entity can borrow up to N20,000,000 uncollateralized depending on eligibility for a tenor of up to 6 Months. You can also get up to N720,000,000 for 36 months with collateral.
To get a business loan, you can approach any of our branches and our relationship managers will assist you with the application process. You will need to submit the necessary documents and meet the eligibility criteria to qualify for the loan.
It is dependent on the loan facility as every loan has its own risk asset acceptance criteria.
All legal sectors of the economy are eligible to access and enjoy the loans.
Every SME is required to have or open an account with Fidelity Bank before applying for a loan facility. However, loans can be processed using other bank statements for first time customers.
When you tell us that you aim to work towards providing better healthcare, we want to make sure that it’s possible. And that’s why our loans are designed to further your ambition. Whether it’s about building better emergency care units or investing in specialized equipment, we’re here to help. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
Fidelity Bank offers you school finance to take your school to the next level and it is payable in termly installments. Visit SME Loans And Advances – Fidelity Bank Plc | Flexible & Low-cost finance for more details.
7-10 working days for the loan application to be processed once all relevant documents are collected.
You can choose a tenor ranging from 3 to 36 months depending on your preference and the loan sanction conditions.
Fidelity Bank offers unsecured business loans without any collateral, guarantor, or security, to fulfill your business needs. Terms and conditions apply.
Once a loan is approved, the amount shall be disbursed in your bank account within 2 working days.
You may enquire about loan cancellation by sending an email to true.serve@fidelitybank.ng.
You will receive a welcome kit on your E-mail ID consisting of your repayment schedule and a copy of the loan agreement within 7 days of loan disbursal.
Moratorium on facilities is allowed, however, it depends on the business justification and transaction dynamics.
Yes. The customer is expected to avail 30% equity contribution if applying for Asset finance.
Yes, if the business cash flow can accommodate all exposures.
For Further Enquiries Please Contact managedsmes@fidelitybank.ng
