Fidelity Bank — review & details

In Bank accounts · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

A CBN-licensed commercial bank (RC 103022) with the standard full-service mix — savings and current accounts, a mobile app, *770# USSD and 24/7 support — plus a notably strong diaspora-banking arm for Nigerians abroad.

Fidelity Bank

A CBN-licensed commercial bank (RC 103022) with the standard full-service mix — savings and current accounts, a mobile app, *770# USSD and 24/7 support — plus a notably strong diaspora-banking arm for Nigerians abroad.
★★★★☆
3.8/5 · How we rate
Standard CBN-regulated account tariffs
Monthly Fee
CBN commercial bank
Licence
NDIC-insured (to ₦5m, commercial bank tier)
Deposit Safety
Everyday banking with diaspora links
Best For
traditional
Type
Pros
  • Full commercial-bank cover with branches, app and *770# USSD
  • Dedicated diaspora banking for Nigerians abroad, including cross-border transfer services
  • 24/7 support across phone, WhatsApp and email
Cons
  • Smaller branch and agent footprint than the tier-one giants
  • Standard incumbent charges — no zero-fee proposition
  • App is functional rather than a reason to switch
Fees, eligibility & documents
Fees
Account maintenancePer CBN's regulated bank-charges guide
TransfersStandard regulated electronic transfer charges
Eligibility
  • Individuals resident in Nigeria; diaspora accounts for Nigerians abroad
  • BVN required for standard accounts
Documents needed
  • Valid ID
  • BVN
  • Passport photograph and proof of address for full-tier accounts
Visit Fidelity Bank
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How Fidelity Bank compares in bank accounts

Fidelity Bank scores 3.8/5 in our bank accounts rankings. Our current top pick is Opay (4.3/5). Always compare a few before you decide — see the full bank accounts comparison.

Fidelity Bank
3.8/5 · this page
 Opay
4.3/5
 Kuda
4.2/5
Monthly Fee Standard CBN-regulated account tariffs None None
Licence CBN commercial bank CBN national licence (Jan 2026) CBN microfinance bank
Deposit Safety NDIC-insured (to ₦5m, commercial bank tier) NDIC-insured NDIC-insured (to ₦2m, MFB)
Best For Everyday banking with diaspora links Free transfers + agent cash-out App-first budgeting
Visit Fidelity Bank → Visit Opay → Visit Kuda →

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Details last checked: July 2026

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