Diaspora Banking

Welcome to Fidelity Diaspora Banking.

It is our pleasure to offer our diaspora customers a distinctive array of products and services tailored to provide you with value both home and abroad. Our unique offerings are designed to meet your personal and business needs with your designated personal banker. We offer you a platform to achieve your dreams and aspirations back home.
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Fidelity Diaspora Savings account (Naira) Fidelity Diaspora savings account offers Nigerians in diaspora a great opportunity of saving their hard earned money at home. Whatever your aspiration back home is, Fidelity Diaspora savings account offers you a platform to achieve it. Saving for a rainy day is the key to a brighter future.

Make that switch today?

Features & Benefits:

  • Zero Opening balance
  • Minimum Operating balance of N2, 000.00, $20.00, £10.00
  • Competitive Savings Interest Rate
  • Cheques and dividend lodgements
  • Fidelity Visa Debit ATM card on request
  • Access to all our e-channels (Internet banking, Point of Sale, ATM withdrawals)
  • E-mail alerts and statements
  • Option of a Nominee Resident Joint Signatory (e.g. spouse, brother or parent in Nigeria)
  • Financial advisory services

How to open your Fidelity Diaspora Savings Account:

  • Apply Online Now or Download Account opening and other related forms
  • Duly completed Account Opening form and accompanying documents should be scanned and email to diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

We will acknowledge receipt

Accompanying Documents:

  • Duly completed Diaspora Account Opening Form
  • One Passport Photograph showing full face forward. (digital passports allowed)
  • Proof of identification. A notarized/certified copy of any of the following:
    • Valid Nigerian passport
    • Valid driver’s license
    • Valid national ID card or voters card
    • Valid foreign passport/driver’s license supported by a proof of Nigerian Nationality(either birth certificate, expired/valid Nig. Passport, drivers license or Voters card)
  • Proof of address. A notarized/certified copy of any of the following:
    • Stamped Bankers confirmation
    • Utility bill issued within last 3 months
    • Bank or credit card statement issued within the last three months.
    • Tenancy agreements/rent receipts
  • 2 Nigerian Bank references from active current, domiciliary or corporate account holders ( for current and domiciliary accounts only). Where certification of Documents is carried out by any of the following:
    • Notary Public/court/ lawyer/Solicitor
    • Nigerian Embassy/High commission/Consulate in customer’s country of residence.
    • Your Foreign bankers
    • Government Security Agencies
    • Commissioner for Oath
Fidelity Diaspora Sweeta Account is a unique and exciting offering for children with Nigerian Parent(s). This children account is tailored specifically to Nigerians’ living in the Diaspora to ‘Build wealth from the cradle’s for their children/guardians. Ages Zero- fifteen (0-15) years old.

Features and Benefits:

  • Zero Opening Balance
  • Minimum Operating Balance N5,000.00, $30.00 or £20.00
  • Easy and flexible savings product
  • Convenient and easy access to savings
  • Helps to cultivate a good savings habit
  • Access to 24/7 efficient e-channels products and services

Exclusive

Fidelity ‘Sweeta Kids Learn’ Mobile Application

A unique platform that will aid children’s knowledge of Nigeria, with two exciting modules namely

  • Sights & Sounds of Nigeria module
  • Provides the children with an understanding
  • Nigeria Heritage
  • Several historic and tourist locations
  • Ethnicity and diversity of cultures
  • Learn my Nigerian dialect module
  • Provide a unique opportunity to learn

Three major Nigerian languages:

  • Yoruba
  • Igbo
  • Hausa

How to open your Fidelity Diapsora Sweeta Account:

  • Apply Online Now or Download Account opening and other related forms
  • Duly completed Account Opening form and accompanying documents should be scanned and e-mailed to diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

We will acknowledge receipt

Accompanying Documents:
The completed form must be accompanied by the following documents:

  • Clear passport photographs of the signatory and child
  • Birth certificate/registration of birth/baptismal certificate or International passport of the child
  • Proof of identification of signatory:
    • A notarized/certified copy of any of the following
    • Valid Nigerian passport
    • Valid driver’s license
    • Valid national ID card or voters card
    • Valid foreign passport/driver’s license supported by a proof of Nigerian Nationality(either birth certificate, expired/valid Nig. Passport, driver’s license or Voters card)
  • Proof of address of signatory:
    • A notarized/certified copy of any of the following
    • Stamped Bankers confirmation
    • Utility bill issued within last 3 months
    • Bank or credit card statement issued within the last three months
    • Tenancy agreements/rent receipts
  • 1 Nigerian Bank reference from an active current, domiciliary or corporate account holder
This is a checking account that allows you to do more at home. It is a perfect fit for Nigerians in Diaspora who want to enlarge their Banking Horizon, accessing loans and other credit facilities.

Make that switch today.

Features & Benefit:

  • Zero Opening Balance
  • Minimum Operating Balance of N5, 000.00, $30.00, £20.00
  • Allows payment orders to third parties
  • Access to all our e-channels (Internet banking, Point of Sale, ATM withdrawals)
  • E-mail alerts and statements
  • Standing orders for transaction and remittances
  • Ability to pay in cheques, dividend warrants to the account
  • Debit Visa Cards available on request
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Access to credit facilities (Mortgages, loans against deposit)
  • Corporate Account option available

How to open your Fidelity Diaspora Current Account:
Apply Online Now or Download Account opening and other related forms

Duly completed Account Opening form and accompanying documents should be scanned and e-mail to diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

We will acknowledge receipt

Accompanying Documents:

  • Duly completed Diaspora Account Opening Form
  • One Passport Photograph showing full face forward. (digital passports allowed)
  • Proof of identification. A notarized/certified copy of any of the following:
    • Valid Nigerian passport
    • Valid driver’s license
    • Valid national ID card or voters card
    • Valid foreign passport/driver’s license supported by a proof of Nigerian Nationality(either birth certificate, expired/valid Nig. Passport, drivers license or Voters card)
  • Proof of address. A notarized/certified copy of any of the following:
    • Stamped Bankers confirmation
    • Utility bill issued within last 3 months
    • Bank or credit card statement issued within the last three months.
    • Tenancy agreements/rent receipts
  • 2 Nigerian Bank references from active current, domiciliary or corporate account holders ( for current and domiciliary accounts only). Where certification of Documents is carried out by any of the following:
    • Notary Public/court/ lawyer/Solicitor
    • Nigerian Embassy/High commission/Consulate in customer’s country of residence.
    • Your Foreign bankers
    • Government Security Agencies
    • Commissioner for Oath
As a trusted reliable partner, we provide you a foreign currency account back home that enables you do international transactions. The account offers unique flexibility of operating in US Dollars, British Pounds and Euro. Depending on the currency you prefer, inflows can hit designated account without being subjected to variation in local exchange rate.

Make that switch today!

Features & Benefits:

  • Minimum account opening balance of $50, €50, £50
  • Minimum account operating balance of $30, €30, £20
  • Attractive interest rates on call/demand and fixed deposits
  • Access to Internet banking, email transaction alerts and statements
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Standing orders
  • Investment facilitation services for shares traded on NSE
  • Draft issuance in foreign currency
  • You can also open a Domiciliary and a Naira current account

How to open your Fidelity Diaspora Domiciliary Account:
Apply Online Now or Download Account opening and other related forms

Duly completed Account Opening form and accompanying documents should be scanned and e-mailed to diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

We will acknowledge receipt

Accompanying Documents:

  • Duly completed Diaspora Account Opening Form
  • One Passport Photograph showing full face forward. (digital passports allowed)
  • Proof of identification. A notarized/certified copy of any of the following:
    • Valid Nigerian passport
    • Valid driver’s license
    • Valid national ID card or voters card
    • Valid foreign passport/driver’s license supported by a proof of Nigerian Nationality(either birth certificate, expired/valid Nig. Passport, drivers license or Voters card)
  • Proof of address. A notarized/certified copy of any of the following:
    • Stamped Bankers confirmation
    • Utility bill issued within last 3 months
    • Bank or credit card statement issued within the last three months.
    • Tenancy agreements/rent receipts
  • 2 Nigerian Bank references from active current, domiciliary or corporate account holders ( for current and domiciliary accounts only). Where certification of Documents is carried out by any of the following:
    • Notary Public/court/ lawyer/Solicitor
    • Nigerian Embassy/High commission/Consulate in customer’s country of residence.
    • Your Foreign bankers
    • Government Security Agencies
    • Commissioner for Oath
Simplify your financial life with our Fixed Deposit and Investments services. At Fidelity Bank, we seek to provide our customers with possible range of opportunities profitable back home.

Global Edge Account

Make the most of your money and earn maximum returns when you invest US dollars in our Global Edge scheme.

Features & Benefits:

  • Minimum investment threshold of $10,000
  • Interest rate up to 5% depending on amount and tenor
  • Standing orders for transaction
  • Safe & secure investment option
  • Deposit can serve as collateral for loans and advances
  • Funds are repatriatable
  • Designated personal banker

Fixed Deposit

This is designed to make your money profitable back home. Fix your Naira and foreign currency (GBP&EURO) at attractive interest rates.

Features & Benefits:

  • Minimum opening balance of N100,000 or its equivalent in foreign currency (GBP & EURO)
  • Attractive interest rates depending on amount and tenor
  • Standing orders for transaction
  • Safe & secure investment option
  • Funds are repatriatable
  • Deposit can serve as collateral for loans and advances
  • Designated personal banker

Make that switch today!
For further information on investment opportunities contact us at diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

How to open your Fidelity Diaspora Fixed Deposit Account:

Apply Online Now or Download Account opening and other related forms

Duly completed Account Opening form and accompanying documents should be scanned and email to diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

We will acknowledge receipt

Accompanying Documents:

  • Duly completed Diaspora Account Opening Form
  • One Passport Photograph showing full face forward. (digital passports allowed)
  • Proof of identification. A notarized/certified copy of any of the following:
    • Valid Nigerian passport
    • Valid driver’s license
    • Valid national ID card or voters card
    • Valid foreign passport/driver’s license supported by a proof of Nigerian Nationality(either birth certificate, expired/valid Nig. Passport, drivers license or Voters card)
  • Proof of address. A notarized/certified copy of any of the following:
    • Stamped Bankers confirmation
    • Utility bill issued within last 3 months
    • Bank or credit card statement issued within the last three months.
    • Tenancy agreements/rent receipts
  • 2 Nigerian Bank references from active current, domiciliary or corporate account holders ( for current and domiciliary accounts only). Where certification of Documents is carried out by any of the following:
    • Notary Public/court/ lawyer/Solicitor
    • Nigerian Embassy/High commission/Consulate in customer’s country of residence.
    • Your Foreign bankers
    • Government Security Agencies
    • Commissioner for Oath
Business Suite

Features and Benefits:

  • Zero minimum Opening Balance
  • Minimum Operating Balance of N10, 000.00
  • Allows payment orders to third parties
  • Electronic transaction alerts and monthly statement
  • Access to all e-channels products (online banking)
  • Standing orders for transaction and remittances
  • Ability to pay in cheques, dividend warrants to the account
  • Monthly statement
  • Fidelity Debit Cards available
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Access to credit facilities (Mortgages, loans against deposit)

Documentation Requirement:

  • Valid ID
  • One passport photo for each signatory
  • Utility bill
  • 2 Corporate References
  • Certificate of incorporation
  • Memorandum of article (certified true copy)
  • Form CO7 (Particulars of Director)
  • Board Resolution (Appended with company seal)
  • KYC on Nigerian Supporting address

Features and Benefits

  • Zero minimum Opening Balance
  • Zero COT
  • Minimum balance of N500, 000.00 only
  • 0.5% interest Per annum
  • Free initial cheque book
  • Fidelity Diaspora Visa Debit Card (dual currency)
  • Access to all e-channels products (online banking)
  • Allows lodgements of cheques and dividend warrants
  • Ability to pay in cheques, dividend warrants to the account.
  • Electronic transaction alerts and monthly statement
  • Debit Visa Cards available
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Financial advisory services
    Apply Online For Your Account Now

The duly completed Account Opening form and the accompanying documents should be scanned and e-mailed to diasporacustomerservice@fidelitybank.ng

We will acknowledge receipt and advise you of further action

Documentation Requirements:

  • Valid ID
  • One passport photo for each signatory
  • Utility bill
  • 2 Corporate References
  • Certificate of incorporation
  • Memorandum of article (certified true copy)
  • Form CO7 (Particulars of Director)
  • KYC on Nigerian Supporting address
The Fidelity Diaspora Vantage accounts suite (The Silver, Gold and Platinum accounts) is a professional suite of products that is targeted at Nigerians living abroad. The product offers different segments to add value while saving funds in easy and flexible accounts.
The following are features and benefits of the accounts.

Diaspora Vantage Silver Account
Features and Benefits

  • Zero Opening Balance
  • Minimum Opening Balance of N500, 000.00
  • Allows payment orders to third parties
  • Business Account Option available
  • Access to all e-channels
  • Complementary Fidelity Diaspora Cheque Book
  • Fidelity Visa/Master Debit Card
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Financial and business advisory services
  • 1% interest rate per annum if average balance is within or above minimum operating balance

Diaspora Vantage Gold Account
Features and Benefits

  • Zero Opening Balance
  • Minimum Opening Balance of N150, 000.00
  • Allows payment orders to third parties
  • Business Account Option available
  • Access to all e-channels
  • Complementary Fidelity Diaspora Cheque Book
  • Fidelity Visa/Master Debit Card
  • Priority Pass (Access to over 600 airport lounges across the world)
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Financial and business advisory services
  • 1.5% interest rate per annum if average balance is within or above minimum operating balance

Diaspora Vantage Platinum Account
Features and Benefits

  • Zero Opening Balance
  • Minimum Opening Balance of N250, 000.00
  • Allows payment orders to third parties
  • Business Account Option available
  • Access to all e-channels
  • Complementary Fidelity Diaspora Cheque Book
  • Fidelity Visa/Master Debit Card
  • Priority Pass (Access to over 600 airport lounges across the world)
  • Option of a Nominee Resident Joint Signatory in Nigeria (e.g. spouse, parent, etc)
  • Financial and business advisory services
  • 2.0% interest rate per annum if average balance is within or above minimum operating balance

How to open your Diaspora Vantage Account?
Download Account opening and other related forms
Apply Online For Your Account Now

The Fidelity diaspora Mortgage is first of its kind in Nigeria with attractive interest rate and a flexible repayment plan. Own a home financed by fidelity bank in Lagos, Enugu, Abuja and Port Harcourt. With a good credit rating, nothing stops you from investing in Nigeria now.
Contact us for more information.
Electronic Banking
Fidelity Internet banking allows 24/7 access to your account(s) from the convenience of your home, office or any location all over the world. To use this service, all you require is an internet enabled phone, PC or Laptop.

Most of the transactions that are carried out in the bank branches can now be carried out through internet banking.

These include:-

  • Account balance enquiry on all your accounts
  • Account statement generation
  • Funds transfer between own accounts
  • Funds transfer to other accounts in Fidelity Bank (Third party transfers)
  • Funds transfer to other Nigerian bank accounts (Inter-bank transfers)
  • Airtime top-ups, Bill payments, Customs duty
  • Sign up to Internet Banking
Fidelity e-Pay is a self-service web based solution for both single and bulk payments. It is an electronic fund courier that rides on a secured platform to switch funds to different bank accounts using the specified payment details such account name, account number, bank code as well as other beneficiary unique identifiers.

Payment of salaries, vendors as well as every other type of transfers has now been made easy using fidelity Epay

Features & Benefits:

  • Real time payments to any person, anywhere
  • Hassle free Vendor & Bill Payments
  • Salary Payments
  • Audit trail with comprehensive reporting facility
  • Self-service portal for salary administration
  • Capacity to issue Standing Orders
  • Email notification to recipients
  • Account Balance inquiry
  • E-pay transaction statement reports
  • Collections

Contact us at diapsoracustomerservice@fidelitybank.ng

Contact Us
Address: 36, Adeola Hopewell, Victoria Island, Lagos Nigeria.

Email: diasporacustomerservice@fidelitybank.ng

Phone numbers: +234-1-2701936, +2349070003361

Diaspora Banking FAQ
Q: I already have an account in Nigeria, can I migrate to the equivalent account in the diaspora suite?
A: Yes you can after putting in a formal request and supplying additional documentation if necessary

Q: Who is Eligible to open a Fidelity Diaspora account?
A: Nigerian citizens leaving legally abroad

Q: How do I transfer and access funds on my account from my location abroad?
A: You can credit your diaspora account directly from your bank abroad via wire transfers using our offshore bank details or through any RIA money Agent near you. Our E-channels are available for you to access your account.

Q: What is the Maximum limit I can transfer into my account at a time?
A: There is no limit to how much you can transfer within the bank network

Q: Why am I being asked for a Nigerian supporting address to open an account?
A: This requirement is in line with the CBN directives on ‘Know Your Customer’

Q: What Value offerings are presently being offered e.g. Mortgage facilities
A: For further information on these offers, please mail: diasporacustomerservice@fidelitybank.ng or call: +234-1-2701936, +2349070003361

Q: Can I mandate someone else to run my account?
A: Yes, there is the option of joint nominee signatory where your spouse, relative or a friend can run the account on your behalf.

Q: Can I open my account in any currency?
A: Accounts can be opened in NGN, USD, GBP and EUR

Q: In which currency will I access money using my ATM card in my country of residence?
A: Cash are dispensed in the currency of your country of residence

Q: How do I get my debit card?
A: Base on your instruction, It is sent to your specified address by courier. Alternatively, you may authorize a proxy to pick it up

Q: Can I pay a person without a bank account?
A: Yes, simply send an instruction to diasporacustomerservice@fidelitybank.ng. The beneficiary can collect funds from any of our branches nationwide upon proper identification.

Foreign Account Tax Compliance Act (FATCA)
This is to inform you of the Foreign Account Tax Compliance Act (FATCA) of 2010.

What is Foreign Account Tax Compliance Act (FATCA)?
FATCA is a US initiative designed to promote tax compliance and uncover offshore tax avoidance by US persons. It is a new chapter in the U.S. Internal Revenue Code.

What is the intention of FATCA?
It seeks to identify U.S. taxpayers having accounts at Foreign Financial Institutions (FFIs) and attempts to enforce reporting of those accounts to the US Tax authority.

What is in it for Fidelity Bank?
Fidelity Bank is a Foreign Financial Institution. The banks has registered and entered into agreement with the United States Inland Revenue Service (IRS) to, among other things, identify and document accounts held directly or indirectly by US persons and then report certain account information to the IRS.

Who is a US Person?
A likely US person is a customer that has the following criteria (indicia):

  • U.S. citizenship or lawful permanent resident (green card) status.
  • U.S. Place of Birth.
  • U.S. resident address or U.S. mailing address (including a U.S. post office box).
  • U.S. telephone number.
  • Standing instructions to transfer funds to an account maintained in the United States.
  • An “in care of” address or a “hold mail” address that is the sole address with respect to the customer.
  • A power of attorney or signatory authority granted to a person with a U.S. address.

Joint accounts:
A Joint account is a U.S account if one of the account holders is a U.S. person.

Corporate/Entity accounts:
A corporate/entity account is a U.S account if one of the directors/promoters is a U.S. person and has at least 10% or more holding in the company.
The bank is obliged to provide certain information to the IRS on U.S accounts and for those unwilling to provide the required information a 30% Withholding tax on certain payments of U.S. sourced income will apply. Such customer will be termed a Recalcitrant.
If you present any of the criteria (indicia) listed above, you will be required to fill and submit the applicable forms below or download from the IRS website here.

Download applicable forms below:
i. W-9: US citizen or resident or US corporate/entity
ii. W-8BEN: Non-US person with US indicia to establish their non-US citizen’s status.
iii. W-8BENE: An Entity with US indicia that is not a US entity to establish their non-US status.

Completed forms should be scanned and sent to true.serve@fidelitybank.ng or diasporacustomerservice@fidelitybank.ng or to the account holder’s relationship officer.

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