Fidelity Naira MasterCard makes life simpler and shopping easier

Add value to purchases online or in-store with convenience, protection and enhanced benefits.

Interested in getting a Naira MasterCard?

Make Payments Easier and Faster

With simple steps for transferring funds from your Fidelity account to any other banks and you can even pay bills or buy airtime.

Accepted Round The World

More than one million merchants in 250 countries support transactions made with MasterCard, online or in-store. Look for the MasterCard logo when you want to pay.

Added Protection

MasterCard SecureCode is a private code for your MasterCard account that gives you an additional layer of online shopping security.

Need a Fidelity Debit Card?

It takes just 5mins to get a Naira Debit Card instantly at any of our branches. In three easy steps.
Apply in your nearest branch.

Using your card abroad?

If you plan to use any of your Fidelity cards abroad, let us know 24hrs in advance.
contact us:
Telephone: 01-4485252
WhatsApp: +2349030005252

Apply at the nearest Fidelity Bank branch

Benefits of a Naira Master Card

  • Used in all countries
  • Restricted to retail customers only.
  • N1000.00 Issuance fee
  • You can get a Naira debit card in just 5 minutes
  • Convenience and safety in one card
  • It requires a PIN for all ATM, Web and POS transactions
  • Easily search your transaction history
  • Account statement generation
  • Check and download your statements
  • Set up payment detail and reset password
  • Convenient, efficient and stress-free access to your bank
  • Guaranteed security for all your online transactions

Frequently Asked Questions

At what point do I make use of a token?
A token is required to make transactions (Intra or Interbank transfers, bill payments, airtime recharges etc.). You will be required to input a token response after your transaction password.
What if I forget my Login details?
Contact Trueserve on01-4485252 (+234-1-4485252 if calling from outside Nigeria) or WhatsApp: +2349030005252. You may also e-mail us at We look forward to serving you!
What if I have another question?
If you forget your login details, you should contact us by walking into any of our branches, by sending us an e-mail or by telephone and we will send them to you. However, if you forgot only your login passwords, you can use the ‘Forgot your password’ link on the online banking home page OR on the mobile app. Clicking on this link will have your password sent to your registered e-mail address.
What is a token?
A token is a ‘secured’ high level authentication used to validate a user for transactions on Fidelity Internet Banking. There are two types, a soft token (installed on a computer, tablet or mobile devices) and a hard token (physical device).
What is hard token?
It is a hardware security device used to authenticate a user
What is a soft token?
A soft token is a software version of a hard token, which is a secure device, used to authenticate users for internet banking access. It is installed on a computer, tablet or mobile device.
What is a One-time Password (OTP)?
An OTP is a transaction password that can be used once under a very short time window for Fidelity Internet Banking transactions.
Can an OTP expire?
How do I apply for a token?
Visit a Fidelity bank branch in your location or send an e-mail to to make a request.
How long will it take to get a token?
Immediately your request is made at the branch
What kind of Token is available?
Hard and Soft Tokens
Can I request for two types of tokens?
What do I do when I lose my hard token?
You will need to apply for another token at the nearest branch
What do I do when I get the message “Authentication Account Locked”?
A wrong token password has been used. Get in touch with the bank ( to unlock your profile.
What do I do when I get the message “Entrust Authentication Failure”?
For a soft token, close the entrust application and set the time of your device (computer, tablet or mobile device) to the correct time before trying again.
For hard token, reset the token using these steps:
Logon to online banking
Select ‘Token operations’
Click on ‘Reset token’
Input the token serial number and two consecutive token responses
Click on the ‘reset token’ button
What do I do when I get the message “Cannot logo on from current location”?
Kindly contact Fidelity Bank Plc. (
Cannot access the online banking page

Please ensure are launching the correct URL: using a fast and reliable internet connection Viewing statements and making transactions may be very slow due to poor internet connection.

• Invalid user ID or Password – you can use the ‘Forgot your password?’ link on the online banking home page or Mobile App. Clicking on this link will have your password sent to your registered e-mail address. Kindly ensure that your login details are not compromised and are kept secret at all times.
• I am logged in but cannot make transfers – kindly contact your account officer, e-mail or walk into the nearest Fidelity bank branch and ask to be enabled to make transfers and request for a token.

• How do I print my account statement?
• Logon to Online banking
• Click on ‘Account’ then ‘Account summary’
• Select the Account from the listed accounts on the right hand side.
• Select the search criterion from the ‘Account Statement Criteria’ Field.
• Then download statement

What do I do when I get these error messages when trying a transaction?
Password authentication failed – bad user ID or password provided –Be sure of the password and user ID. If in doubt of Password, reset the password by clicking on the Forgot Password link
Insufficient funds – Please check the account you are transferring from and ensure it is sufficiently funded for the transaction
Limit exceeded – kindly contact your account officer
Transaction not allowed – kindly contact your account officer or send an e-mail to
Issuer or switch inoperative – Please check your account, if debited, wait a few minutes for the transaction to be reversed.