What is the official website of the payment service?
https://www.fidelitybank.ng
https://www.fidelitybank.ng
The official Fidelity Bank website's "Contact Us" page shows current phone, email, and branch details for support.
+234 1 448 5252
Fidelity Bank does not advertise a toll-free number; calls may incur standard charges based on the caller’s network provider.
Fidelity Bank provides specialized emails for sectors such as [email protected] and [email protected].
Online chat support is typically available via the Fidelity Bank website, accessible through a floating chat icon or support section.
Most major banks aim for 24/7 chat support, but availability may be limited to business hours or specific times depending on staff coverage.
Fidelity Bank provides WhatsApp support at +234 903 000 5252; Telegram support is not explicitly listed.
Fidelity Bank offers customer support between 8:00AM and 5:00PM Mondays to Fridays, with limited weekend coverage.
Fidelity Bank's digital channels often provide limited support on weekends or public holidays; physical branches may be closed.
Fidelity Bank operates multiple regional offices and branches across Nigeria for in-person customer visits.
Major Fidelity Bank office locations include 2 Kofo Abayomi Street, Victoria Island, Lagos, and branches nationwide.
Customers can usually schedule meetings by contacting the branch directly or by booking online through the bank’s platform.
Fidelity Bank primarily operates in Nigeria; international offices are uncommon for Nigerian banks but correspondent relationships exist.
Support is provided in English; some staff may assist in major Nigerian languages where appropriate.
Response times vary by channel; hotline responses may be immediate, while emails are often addressed within 24–48 hours.
Most licensed banks offer VIP/priority desk support with dedicated relationship managers for premium clients.
Fidelity Bank allows customers to request callbacks through website forms, email, or hotline agents.
Fidelity Bank was founded in 1988.
Fidelity Bank was established by Nigerian investors; details on individual founders are rarely published. Ownership is via public shareholding.
Nigeria
Fidelity Bank grew from a merchant bank in 1988 to a licensed commercial bank in 1999, expanding nationwide with innovative digital products.
Fidelity Bank rebranded after its 1999 transition to a commercial bank and has subsequently updated its logo and service offerings.
Key board members include Mustafa Chike-Obi (Chairman), Nneka Onyeali-Ikpe (MD/CEO), and other executives.
Fidelity Bank, as a publicly listed entity, has institutional and individual investors and partners in sectors like payment technology and finance.
Yes, Fidelity Bank is listed on the Nigerian Exchange Group (NGX).
Market capitalization fluctuates; as of mid-2025, Fidelity Bank’s valuation is approximately NGN250–300 billion.
Fidelity Bank maintains numerous branches across Nigeria but does not have prominent international subsidiaries.
Fidelity Bank holds a commercial banking license issued by the Central Bank of Nigeria (CBN).
Fidelity Bank operates officially in Nigeria, with its license and regulatory oversight restricted to the local market.
Fidelity Bank does not hold specific licenses for cryptocurrency operations; CBN restricts crypto activities for Nigerian banks.
Fidelity Bank adheres to Nigerian AML/KYC laws requiring customer due diligence and transaction monitoring.
Fidelity Bank states compliance with PCI DSS for card payments and uses well-known cybersecurity standards.
Leading banks conduct regular external and internal security audits in compliance with regulatory and industry standards.
Deposits at Fidelity Bank are insured up to the NDIC threshold under the Nigeria Deposit Insurance Corporation scheme.
Fidelity Bank aligns with ISO, PCI DSS, AML, anti-fraud, and data protection standards as required by regulators.
Fidelity Bank maintains a sound compliance record and no major regulatory fines have been publicized in recent years.
User reviews are found on Google Reviews, Nairaland, Trustpilot, App stores, and dedicated Nigerian finance platforms.
Typical complaints involve delays in fund transfers, ATM issues, mobile app glitches, and occasional customer service wait times.
Users frequently praise Fidelity Bank for reliable mobile banking, innovative payment solutions, and courteous branch staff.
Withdrawal issues are infrequent but can occur due to network downtimes, ATM errors, or regulatory checks.
Fidelity Bank’s app and web platforms are considered modern, easy to use, and accessible, with positive user feedback.
Client satisfaction regarding transaction speed is generally high; instant transfers are praised but delays can arise during peak times.
Most users recommend Fidelity Bank to friends and family based on service quality and branch accessibility.
Nigerian financial experts consider Fidelity Bank secure, compliant, and technically sound for banking and payments.
Fidelity Bank has received awards for SME banking, innovation, customer service, and environmental responsibility.
Fidelity Bank features in Nigerian bank rankings for digital services and operational excellence.
Fidelity Bank receives positive reviews from regulators regarding compliance, innovation, and customer protection.
Fidelity Bank is recognized as reliable by fintech partners, merchant acquirers, and payment providers.
Fidelity Bank is rated highly for launching new payment channels, banking apps, and fintech collaborations.
Fidelity Bank holds several service excellence and ISO standard certificates.
Fidelity Bank participates in major Nigerian banking, fintech, and payment industry events.
Fidelity Bank positions itself as a customer-centric, innovative, and community-focused financial institution.
Fidelity Bank payment services support the Nigerian Naira (NGN); some forex offerings may be available via authorized transactions.
Fidelity Bank does not support direct cryptocurrency transactions due to regulatory restrictions in Nigeria.
Fidelity Bank does not issue a proprietary cryptocurrency or token.
Currency conversion is available for approved forex transactions, subject to CBN rules.
Exchange rates are set by the Central Bank of Nigeria and market sources for authorized transactions.
Exchange rates are typically updated daily or in real-time for forex operations as per CBN regulations.
Fidelity Bank does not support stablecoin transactions.
Exotic currency support is limited to authorized forex transactions in major global currencies.
Payments abroad are regulated and subject to CBN restrictions for foreign exchange transactions.
Fidelity Bank supports intra-bank, inter-bank, domestic, international (where permitted), mobile, and online transfers.
Yes, Fidelity Bank enables transfers between its customers via USSD, online, and mobile banking.
Customers can transfer payments to bank cards, subject to network and regulatory permissions.
Yes, money can be sent from Fidelity Bank accounts to other banks domestically and internationally (subject to CBN rules).
Fidelity Bank offers payment for utility bills, cable TV, airtime, and other common services online and at branches.
Recurring payments can be scheduled through the bank’s mobile app and online banking platforms.
Users can schedule automatic standing orders and transfers via internet and mobile banking.
Payment scheduling is provided for future-dated and recurring transactions.
Modern banks support group payments; customers may split bills or initiate multiple-beneficiary transfers.
Payment links for merchant ecommerce are offered by the bank’s business and SME platforms.
Minimum transaction amounts are set by policy and may range from NGN100 for transfers to higher for forex.
Maximum transfer limits depend on verification status, account type, and regulatory ceilings.
Daily transaction limits are set for transfers, typically NGN1,000,000 for individuals but higher for business accounts.
Monthly and annual limits depend on account type, KYC status, and individual agreements with the bank.
Limits can be increased by requesting via customer service, providing additional documentation, and completing KYC verification.
Verified users benefit from higher transaction limits and additional features.
New accounts often have restricted limits until KYC verification and account maturity.
International transaction limits are set based on CBN regulations for overseas transfers.
Accounts may be temporarily blocked for security review, suspicious activity, or customer request.
Fidelity Bank may limit the number of transactions to protect against fraud and comply with regulation.
Minimum funding requirements vary by method but may begin at NGN100 for electronic transfers or deposits.
Supported methods include branch cash deposit, transfers, card funding, online payment gateways, and merchant POS.
Fees for funding vary by channel; branch deposits are often free, electronic and card funding may incur charges.
Electronic channels may allow deposits from NGN100; higher thresholds may apply for other channels.
Funds via branch deposit and mobile transfer are typically credited instantly or within minutes.
Withdrawals can be made via ATMs, branch visits, bank-to-bank transfers, and POS agents.
ATM withdrawals may attract fees after a set number per month; in-branch and transfers may also incur charges.
ATM and agent withdrawals are instantaneous; electronic transfers may take minutes to a few hours; branch cash withdrawal is immediate.
Limits follow regulatory and account policies; ATM daily limits often range from NGN20,000 to NGN150,000 for most users.
Card funding typically credits within a few minutes but may be delayed in cases of network errors.
Domestic transfers process within minutes to a few hours; interbank and international transfers may take longer.
Fidelity Bank does not process cryptocurrency transfers.
Intra-bank transfers are usually instant; inter-bank transfers may depend on the receiving bank’s systems.
Weekend funding may be delayed especially for interbank or card transfers due to network and operational constraints.
Public holidays may introduce delays if transaction processing or staff is unavailable.
Express services are rare for domestic transfers; some channels may charge for priority processing.
Funding speed is influenced by network reliability, payment method, system maintenance, and regulatory clearance.
Fidelity Bank gives SMS/app push notifications for account funding and completed transactions.
Contact customer service with proof; banks investigate and expedite delayed transactions or escalate to payment networks.
ATM and branch withdrawals are immediate; electronic transfer requests are processed within minutes to hours.
Card withdrawals at Fidelity Bank ATMs are instant; those from other banks may subject to interbank transfer times.
Domestic bank transfers generally complete within minutes; international transfers are subject to CBN and correspondent bank timelines.
Cryptocurrency withdrawals are unsupported by Fidelity Bank’s regulated systems.
Weekend and after-hours withdrawals may be limited to ATM and agent channels; staff support is restricted.
Withdrawals may be delayed during holidays if banks are closed or staff are unavailable.
Express withdrawal services are not commonly offered; urgent requests may require manager approval.
Withdrawal processing depends on method, verification, regulatory checks, network efficiency, and bank policies.
Customers receive SMS or push notifications on withdrawal completion, subject to device connectivity.
Withdrawal cancellation depends on transaction status; unprocessed transfers can be canceled via app or branch request.
Registering requires visiting a Fidelity Bank branch or using their online platform, submitting personal data, and verifying identity.
Required data typically includes name, address, phone number, email, ID document, and biometric data for KYC.
Banks require email for online account creation; some branch applications may allow phone-only registration.
Phone confirmation by SMS is increasingly required to verify identity and activate digital accounts.
Applicants must be at least 18 years old for personal bank accounts; minors require guardianship.
Yes, Fidelity Bank offers business/corporate accounts that require company documents and directors’ IDs.
Real personal data and documentary proof are mandatory for account creation, per KYC and AML rules.
Only Nigerian residents or citizens can open accounts; non-resident options are limited.
Accounts are activated instantly or within one business day after verification and review of submitted documents.
Fidelity Bank offers basic, standard, and enhanced verification levels with transaction and service feature differences.
Basic verification requires government-issued ID, proof of address, and passport photo or biometric capture.
Full verification includes employment, income, or company documents, and additional KYC forms.
Digital uploads via the website or app are accepted for most documents, subject to clarity and authenticity checks.
Verification is completed within minutes to 48 hours after all documents and information are submitted.
Low-limit account use is possible with basic verification; full access requires complete KYC.
Unverified users face transaction limits, restricted access, and limited banking services.
Address confirmation is required for most accounts through submitted utility bills or bank verification.
Banks increasingly require a selfie/photo with documents for biometric and fraud prevention; some account types may waive it.
Documents are updated periodically, especially when expiring or upon major account changes.
Fidelity Bank uses SSL/TLS, end-to-end data encryption, and advanced security firewalls.
Fidelity Bank offers two-factor authentication via SMS, email codes, or app-generated OTPs.
SMS confirmation and notification are used for account activities and high-risk transactions.
The mobile app and some ATMs support fingerprint and facial recognition for secure access.
Fidelity Bank does not use blockchain for payment processing or client services.
Security employs multiple layers including device recognition, OTP, encryption, and user behavior analysis.
User data is protected through encryption, access controls, privacy policies, and periodic security audits.
Not applicable; Fidelity Bank does not hold customer cryptocurrency funds.
Large banks implement DDoS protection, network filtering, and traffic management to ensure service uptime.
Security is audited regularly by internal and external teams to ensure regulatory and industry compliance.
Fidelity Bank provides alerts, anti-phishing education, and authentication features for fraud prevention.
Transaction monitoring systems flag and alert on unusual activity patterns for manual or automated review.
Fidelity Bank uses customer due diligence, transaction monitoring, reporting, and staff training to prevent money laundering.
Suspicious accounts are blocked pending review, investigation, and regulatory reporting as per compliance policy.
Report suspected fraud immediately via website, hotline, or branch; the bank freezes the account and initiates investigation.
Users report suspicious activity by phone, email, in-person branch visit, or via digital banking channels.
Compensation depends on investigation outcome, insurance coverage, and bank policy; users may be reimbursed for proven unauthorized activity.
Users hold the right to dispute unauthorized or erroneous transactions, submit claims, and request investigation and reversal.
Dispute account blocking by contacting customer support, providing IDs, and following internal review and appeal processes.
Bank accounts are insured under NDIC; dedicated cyber insurance is not standard but system security is robust.
Fidelity Bank charges fees based on transfer type, amount, and channel used; details are available on the bank’s website.
Most cash deposits are free; electronic, card, or third-party funding methods may incur fees.
ATMs beyond the free transaction quota and in-branch withdrawals may incur charges as per tariff schedule.
Currency conversion fees are variable and depend on amount, transaction type, and regulatory frameworks.
Major banks rarely charge inactivity fees, but review terms of service regularly for updated conditions.
Maintenance fees may be charged for specific account types as published in the bank’s pricing policy.
Operation cancellation may be subject to fees or reversal costs, especially for complex or third-party transactions.
Express or priority transaction processing may attract additional charges depending on the service.
Fidelity Bank publishes its tariff schedule; transparency in fees is an industry standard requirement.
Large transaction fees are calculated as a percentage of amount and may include additional regulatory charges.
The bank offers various tariff plans based on account type and transaction frequency.
VIP clients receive higher transaction limits, exclusive products, dedicated managers, and priority support.
Open a premium account, meet transaction or deposit thresholds, and request preferential deals via relationship managers.
A set number of free operations are included for standard account transactions such as ATM withdrawals.
Promotions and discounts based on transaction activity may be offered as part of loyalty programs.
Corporate clients benefit from tailored tariffs, bulk transfer rates, and specialized business banking features.
Custom arrangements can be negotiated by high-value clients directly with relationship management.
Promotional codes are periodically offered for reduced fees or incentives during campaigns.
Fidelity Bank offers cashback programs tied to card usage campaigns and specific partner promotions.
Bulk transactions and corporate clients may receive discounts for high volumes.
Fidelity Bank offers the official “Fidelity Mobile Banking” application.
The app is available for Android and iOS devices on Google Play and Apple App Store.
Functions include account management, fund transfers, bill payments, transaction history, card control, and loan applications.
Mobile app and web versions offer similar usability, though some features may be optimized for either platform.
Biometric authentication such as Touch ID and Face ID is supported on the mobile app for compatible devices.
Full offline functionality is not available; some information may be browsed offline, but transactions require connectivity.
Push notifications alert users about completed transactions, funding, withdrawals, and account activity.
The Fidelity Mobile app supports dark mode.
The app is updated regularly every few months to add new features and security improvements.
Beta versions may be released for feature testing; users can join via store invitations during campaigns.
The Fidelity Bank website is designed for easy navigation, clear information display, and secure transactions.
The web platform supports responsive design, ensuring usability on desktops, tablets, and smartphones.
The interface is available in English, with limited support for other languages.
Fidelity Bank’s website supports night/dark mode for ease of use.
Hotkey support is limited; must use standard mouse and navigation commands.
Users can export data such as statements and transaction history in formats like PDF and CSV.
Fidelity Bank provides APIs for selected developer use cases—contact the bank for integration documentation.
Payment services integrate with merchant POS, fintech apps, and electronic payment gateways.
The website is updated several times yearly for new features, security patches, and regulatory compliance.
Fidelity Bank enables users to request virtual cards for online and secure transactions.
Disposable virtual card functionality may be offered for one-time payment protection.
Multicurrency account support is limited; foreign currency accounts may be available for approved users.
Fidelity Bank offers savings, term deposits, mutual funds, and wealth management solutions.
Interest is paid on select savings, current, and investment products; rates vary by product.
Credit products include personal loans, salary advances, overdraft, mortgages, and SME financing.
Peer-to-peer trading is not a standard feature; transfers between users are supported for payments.
Fidelity Bank does not support cryptocurrency exchange or trading per CBN restrictions.
Merchant acquiring and POS solutions are offered for businesses to accept payments.
Bulk payment solutions and salary disbursement are provided for corporate clients.
Fidelity Bank runs loyalty programs and reward campaigns for active customers.
Bonus points are earned via card usage, bill payment, frequent transactions, and loyalty campaign participation.
Some campaigns offer cashback on qualified debit/credit card transactions and bill payments.
Referral bonuses are available for introducing new clients to Fidelity Bank.
VIP clients enjoy fast-track service, premium products, higher limits, and dedicated relationship managers.
Fidelity Bank offers periodic promotions such as fee waivers, contests, and holiday campaigns.
Premium account status is available for high-value clients upon meeting deposit or transaction criteria.
Discounts may be available on services, products, or merchant transactions through partner relationships.
Corporate loyalty and reward schemes are offered for business clients with bulk transaction needs.
Fidelity Bank generally restricts transactions to gambling/online casinos per CBN regulations.
Gambling-related transactions may be blocked or require additional screening by the bank.
Accounts can be flagged or blocked if found to be used for unauthorized gambling activities.
Fidelity Bank follows regulatory guidelines; gambling is not encouraged or promoted.
Special conditions may include enhanced monitoring and reporting of suspected gambling payments.
All electronic transactions are monitored; casino merchant activity is flagged as per compliance rules.
All transactions are subject to reporting; concealing gambling-related payments is not supported.
Account holders may receive alerts for flagged gambling transactions as part of fraud monitoring.
Additional processing or monitoring fees may be applied to risky or regulated transactions like gambling.
Spending limits for gambling are enforced based on regulatory and bank policy.
Online and in-branch requests for self-exclusion from gambling-related payments can be processed.
Fidelity Bank may block payments to certain high-risk or gambling-related merchants.
Spending control tools may include budget, alerts, and blocking of specific merchant categories.
Alerts are sent for exceeded spending limits or attempted transactions beyond set thresholds.
Fidelity Bank blocks or restricts transactions to casino merchants as required by regulation.
Transaction analytics can provide spending breakdowns including flagged gambling transactions.
Users may request temporary blocking of gambling-related spending; cooling-off periods may be set.
Fidelity Bank may refer clients to support resources for gambling addiction upon request.
Formal partnerships are uncommon; banks may provide external helpline referrals.
Notifications are configured in online banking or by contacting support to enable spend alerts.
Fidelity Bank payment options may be rejected by most online casinos per regulatory restrictions.
Fidelity Bank does not have exclusive casino partnerships given regulatory environment.
Transaction terms may differ by merchant location, but gambling restrictions are uniformly enforced.
Fidelity Bank does not promote bonus offerings for casino payments.
Deposits and withdrawals for casino activity are restricted/disallowed.
All transactions to casinos are subject to CBN restrictions regardless of location.
Fidelity Bank is not promoted for casino payment processing due to Nigerian regulations.
Processing is not applicable; such transactions are likely blocked or denied.
Casinos do not support Nigerian bank cards due to regulations; extra fees are not standard.
Fidelity Bank cards and services are not intended for use with online casinos; compatibility is limited by regulatory blocks.