Fidelity Bank

NIN was requested at every Fidelity Bank visit Liners logged, but that's where the paperwork mostly stopped. BVN and proof of address each came up in only 1 of 5 visits, the lightest documentation burden of any traditional bank in the study.

This lines up with the wider Nigerian market. In Liners' 2026 Naira account opening study, NIN was requested in 96 of 100 walk-in visits overall, and BVN blocked the process from starting entirely at 42 of them.

1. Visit a Fidelity Bank branch with your NIN. BVN and proof of address were rarely asked for in the study, but bring them just in case.
2. Fill out the account opening form.
3. Wait to be attended to.
4. Your account number typically arrives by SMS.

Fidelity issued or offered a debit card at 3 of its 5 visits, the highest rate of any traditional bank in Liners' 2026 field study, and was rated 5 out of 5 every time. Nobody was told their transaction limits though, so ask directly.

Fidelity Bank is a Nigerian full-service commercial bank that provides personal, SME, corporate, public sector, and private banking through branches, online banking, mobile apps, USSD (*770#), cards, and other digital channels. You can open accounts, access loans, make payments and transfers, and manage collections and investments using its web portals, mobile app, USSD, and in-branch services.

Fidelity Bank operates in Nigeria as a licensed commercial bank of the Central Bank of Nigeria and is listed on the Nigerian Exchange. It also supports sending money across Africa in Naira with recipients paid in their local currency, but specific country coverage beyond Nigeria is not detailed and is therefore .

You can sign up by opening an account online through Fidelitybank’s web portals (for personal or business accounts) or by visiting a Fidelity Bank branch in Nigeria. Account opening options are available for individuals, SMEs, corporates, and public sector clients, with digital onboarding and self-service tools to start the process.