Fidelity Bank PLC SWIFT/BIC code

Fidelity Bank PLC SWIFT code: FIDTNGLA

Whether a recipient gives you FIDTNGLA or FIDTNGLAXXX, you are looking at the same identifier for Fidelity Bank PLC in Nigeria. The code does one job: it makes sure that a cross-border transfer ends up at the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

This page is meant to help people who receives money at an account at Fidelity Bank PLC without mistakes. Remember that the BIC only identifies the bank, not the account: the account number or IBAN takes care of that.

Which of the 2 codes of Fidelity Bank PLC do you need?

Fidelity Bank PLC uses 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the others identify branches, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code FIDTNGLAXXX is the right choice. Just use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

The safest route is to copy the code directly from the account holder’s statement. Codes for branches are more prone to be retired than the head office code when a bank merges or closes offices.

A note on our data

The details on this page come from public sources. Institutions reorganise, close branches and change codes. Figures such as the number of codes come from our directory.

See our directory here as a handy check. GoldexPay has no connection to Fidelity Bank PLC; we are a comparison site for money transfers. If you notice something that is out of date, we welcome a short note.

Verifying the SWIFT code of Fidelity Bank PLC

The best place to find the right code is a document from the bank itself. Compare that code against FIDTNGLA on this page and ask if anything does not match.

If the code is wrong, the transfer might be delayed, be returned or end up costing more – sometimes after weeks of searching. A mistake in the account number is more serious because it can reach the wrong person.

Many banking apps check the format of an IBAN, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending adds an extra layer of safety. When you pay someone new, many people send a small test amount.

Why Fidelity Bank PLC has an 8- and an 11-character code

A BIC is built from fixed blocks: characters one to four identify the bank, characters five and six give the country and characters seven and eight mark the location. Combined, those parts form FIDTNGLA, the code most people search for.

XXX at the end of FIDTNGLAXXX is not a placeholder or an error: it stands for the main office of Fidelity Bank PLC. Some banking apps ask for 11 characters, and then you simply add XXX behind FIDTNGLA.

In practice the code is written in capitals, without spaces or dashes. A single character may route the money to another bank, so check it twice.

International transfers from Fidelity Bank PLC: the real cost

A bank transfer abroad can cost rather more than the listed fee. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the exchange rate markup if the currency changes.

That exchange rate margin tends to be the biggest cost because it is hidden in the rate. An easy check: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay compares these services next to each other so you can see what actually arrives. Using a transfer service does not mean leaving Fidelity Bank PLC – you pay the provider from your own account.

How long does an international transfer to Fidelity Bank PLC take?

How fast a payment arrives at Fidelity Bank PLC is determined by a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in either country can add extra days to the journey. Extra checks by one of the banks can also cause some delay, even when all details are correct.

Many banks are connected to SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR. Specialist transfer services usually provide a status online showing where the payment has got.

A missing payment is traced from the sending side. On the receiving end, it helps to look at your statements for a partial amount because fees can reduce the amount.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a message saying that a supplier has a new bank account and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account.

Do not rely on contact details from the same email that announces the change. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Contact your bank without delay and ask them to try to recall the payment; also report it to the police.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference. A screenshot of a transfer is no proof.

What to give a sender who pays you at Fidelity Bank PLC

If you expect money from abroad, give the sender a complete set of details. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC FIDTNGLAXXX (or FIDTNGLA) and sometimes your address.

Their bank may also ask for the address of your bank, in which case the Lagos head office is the usual answer. A typo in your account number can be more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and if the currency changes, a markup on the rate comes on top. On invoices, it is common to agree how the fees are split.