Fidelity Bank Sort Code in Nigeria and Who to Ask for Yours
Fidelity codes begin 070, then state and branch, and Fidelity prints no list. Dial *770*03# for your account officer or read it off a cheque leaf.
Your account officer is the person to ask. Dial *770*03# from the phone number on your account and Fidelity’s USSD menu returns that officer’s details. Then ask for the sort code of the branch holding your account, with the account number to hand. Your PIN stays out of the conversation.
True Serve, Fidelity’s contact centre, can answer the same question on 0700 343 35489, on WhatsApp at 0903 000 5252, or from abroad on 0908 798 9069. Those numbers are on Fidelity’s contact page. Ivy, its WhatsApp assistant, is on 0903 000 0302, though Fidelity’s FAQ does not say that Ivy or the app will show a sort code.
With a cheque book you need nobody: the code is printed on the leaf, as the nine digits beginning 070 in the magnetic-ink line along the bottom.
Reading a 070 code
070 15 XXX Y
070 is Fidelity, and that alone answers a form asking for the bank code. The next pair is the state, because a Central Bank of Nigeria (CBN) circular requires a branch to carry the code of the state it stands in. So a Lagos branch should begin 070 15 and an Abuja one 070 08. The other places people ask about most: Port Harcourt 070 21, Enugu 070 25, Kaduna 070 11, Anambra 070 02, Yola 070 09, Maiduguri 070 06 and Bauchi 070 03.
XXX is the branch. Y is a check digit worked out from the other eight, under the CBN’s account-number standards. Those last four digits cannot be guessed, which is why only Fidelity can finish the code for you.
Is there a Fidelity sort code list?
Not from Fidelity, and we know of no PDF from the bank or the CBN to send you to. Fidelity’s branch locator covers more than 250 offices and filters by state and branch name, but it gives no codes.
Directory sites fill the gap, and it shows. One files Fidelity’s Owerri Main branch under Abuja, with Imo’s state digits sitting in the code. The CBN’s state rule also dates only from November 2018, so an older list can be out of date even where it was once right. Nothing about a bad code gives it away, so a list is good for a rough check and nothing more.
Other banks follow the same pattern with their own first three digits. We have separate guides to Ecobank sort codes and Sterling Bank sort codes.
A transfer does not need it
Fidelity’s transfer code is *770*DestinationAccount*Amount#, and you can see there is no place in it for a sort code. A transfer inside Nigeria runs on the 10-digit account number and the bank’s name. The sort code belongs on cheques and on the occasional form that insists, and such a form wants all nine digits.
A form asking for both sort code and account number is easy to finish: *770*5# brings up your account number and BVN details, and the officer or True Serve gives you the rest.
Fidelity outside Nigeria
FidBank UK in London is part of the Fidelity Bank Group but is regulated as a British bank, so a FidBank UK account has British account details and 070 means nothing there. Fidelity Bank Ghana is a Ghanaian bank, licensed by the Bank of Ghana, and Ghana runs its own system.
Money coming from abroad into a Nigerian Fidelity account goes by SWIFT code rather than sort code. Fidelity’s money transfer and diaspora pages do not print one, so get it from True Serve and not from a directory.
