Comparison

Fidelity Online Banking vs Access More

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Fidelity Online Banking

Manage your finances securely and easily from your mobile device. Perform transactions, transfer funds, pay bills, and access account statements anytime, anywhere. Enjoy convenient banking with features like biometric login and in-app messaging.

Highlights
  • Secure transaction management
  • Inter-bank fund transfers
  • Biometric/Fingerprint login
  • View all account types
  • Bill payments
  • Flight booking and payment
  • Generate account statements
Features
Read full description

Welcome to the banking that suits your lifestyle! The upgraded Fidelity Online Banking App lets you stay in control of your finances. Manage your transactions, accounts and cards securely and easily anywhere. The App allows you perform transactions and manage your bank account(s) from your mobile device. It is secure and very simple to use. Conduct your banking transactions while on the move with Fidelity Online Banking app and enjoy a world of convenient banking anytime, anywhere. Our redesigned app puts all the services you need at your fingertips, enabling you do the following: • Transfer to accounts in any Bank in Nigeria • Transfer to your other accounts in exactly one click, no token required • Biometric/Fingerprint Authentication for easier login • View all your accounts (Current, Savings, Fixed Deposit, Domiciliary and Card accounts) • Personalise your profile, change your picture as desired with lovely selfies • Maintain/Manage beneficiaries for Funds Transfer, Bills Payment and Airtime purchases • Receive In-App messages on new features, quick tips and promotional offers. • Top up your mobile phone or that of your family, friends and other loved ones • Pay your bills, such as DSTV, GoTV, PHCN, mobile post-paid bills, SWIFT, Smile and more. • Perform your Fidelity Credit Card repayments • Generate account statement • Search, book and pay for international and local flights • More self-services • Locate nearest Bank branches or ATM service points HOW TO USE THE FIDELITY ONLINE BANKING APP • Install the Fidelity Online Banking app • Open the App and sign in with existing credentials NEW? HOW TO REGISTER If you’re 16 or above and you have your mobile number registered for our SMS alert services as well as any of our Debit Cards, click on “Sign Up Here”, and follow the onscreen instructions. A verification code will be sent to the mobile phone you have registered for your account number with us. If you’ve got a verification, follow the onscreen steps to register. You will be required to use your Fidelity Debit Card OR visit the nearest Bank branch to activate your Online banking profile. Once done, you can start using your Online Banking account immediately. To do much more, download the Fidelity Soft Token app on your phone and sign in with your Online banking credentials. FOR BUSINESS ACCOUNTS You can only use the app if you’re a sole-signatory account holder. You can’t register with your credit cards. FIDELITY INSTANT BANKING Fidelity also has an Instant Banking Service (*770#) which you can dial from any mobile phone linked to your account for SMS alert. The service doesn’t require internet connection. Copyright © Fidelity Bank Plc. 2017. All rights reserved. Fidelity Online Banking is a trademark of Fidelity Bank Plc. INFORMATION AND CUSTOMER SERVICE For more information, please call our True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng

About

Access More

This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.

Highlights
  • Quick account opening
  • Personalized dashboards and themes
  • Investment services
  • Loan and visa applications
  • Bill payments and transfers
  • Card and cheque services
  • Airtime top-up
Features
Read full description

The Access More App is an innovative mobile payment application that offers a more than banking experience. The App is built to help our customers consummate their financial transactions, payment solutions and enjoy a lifestyle experience. Prospect customers are welcome to become account holders by downloading the App and onboarding themselves on the platform seamlessly. The App is built on cutting-edge technology, offering tailored and personalized services, ease of use and excellent customer experience to all our customers The following unique features are available on the App: Quick account opening Personalized theme and color scheme Bespoke dashboards Single click to all favorite features Self QR generation for intra-bank transfers Scan QR for payments Investment services PayDay Loan Dubai Visa application Movie Ticket purchase Improved beneficiary management Efficient bills payment Inter-bank transfers Simplified foreign currency transfer service Airtime top-up Cheque Services (New cheque book request, stop and confirm cheque) Card Services (New debit card request, card block and unblock) Transfers to Access Y’ello accounts Gaming And lots more…. How to get the Access More App Download and install the Access More App Existing Access Mobile App users can login with the same username and password and transact with their existing PIN Existing Diamond Mobile App users can login with the same username and password and transact with their existing PIN For new users, simply open the downloaded App and register

Screenshots

Fidelity Online Banking4 screens
Access More4 screens

Verdict

The call

The clearest difference is rating: Access More at 4.7 against Fidelity Online Banking's 3.7. Access More also leads on review sentiment (66% vs 28%) and ratings volume (119K vs 2K). Fidelity Online Banking's advantage is iOS requirement (13.0 vs 15.5). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Access More holds the better App Store score, 4.7 against 3.7. That said, the two scores are not equally well evidenced: Access More has 119K ratings behind it against 2K, so its average is the more settled of the two. Written reviews point the same way: 28% of Fidelity Online Banking's written reviews are positive against 66% of Access More's.

UpkeepUpdate frequency

Fidelity Online Banking ships an update every 3 weeks, Access More monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 6 level
Fidelity Online Banking versus Access More: the parameters behind the verdict, then further details
ParameterFidelity Online BankingAccess More
PriceFreeFree
Rating3.7 (2K ratings)4.7 (119K ratings) — better
Positive reviews28.3% of reviews65.8% of reviews — better
Number of ratings2K119K — better
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.5
Further details — not scored
Size88 MB232 MB
Age rating4+4+
DeveloperFidelity Bank PlcAccess Bank Plc

Customer experience

Fidelity Online Banking

All ratings1,964 ratings
Positive64.5%
Neutral9.2%
Negative26.4%
Written reviews180 reviews
Positive28.3%
Neutral4.4%
Negative67.2%

Access More

All ratings118,393 ratings
Positive92.1%
Neutral3.3%
Negative4.6%
Written reviews594 reviews
Positive65.8%
Neutral4.4%
Negative29.8%

User reviews

Fidelity Online Banking

From 2K App Store ratings

What we love

  • 🚀 Fast and reliable
  • 🔒 Secure banking
  • 👍 User-friendly interface
  • 💡 Innovative features
  • 🌟 Overall great app

Room to improve

  • 🐛 Frequent crashes and bugs
  • ⚠️ Unreliable network connectivity
  • 🕰️ Slow performance and response times
  • 🤯 Frustrating user experience
  • 💸 Deducts money without proper transactions

Access More

From 119K App Store ratings

What we love

  • 🚀 Fast and reliable
  • 👍 Excellent banking experience
  • 🔒 Secure transactions
  • 💡 Convenient mobile banking

Room to improve

  • 🐛 Frequent app crashes
  • 🔍 Unreliable help features
  • 💰 High banking charges
  • 🕰️ Slow transaction processing

Bugs and requests

Fidelity Online Banking

Reported bugs

5 issues
  • Unable to select source account for transfers
  • OTP not received for registration and login
  • App freezes after login
  • Incorrect transaction receipts generated
  • Loyalty points not updating properly

Requested features

5 requests
  • Dark mode option
  • Facial recognition login
  • Improved transaction history and statements
  • Seamless integration with other payment platforms
  • Enhanced customer support and communication

Access More

Reported bugs

4 issues
  • Disappearing beneficiary list
  • Inability to upgrade transaction limits
  • Inconsistent app performance across devices
  • Login and OTP issues

Requested features

4 requests
  • Ability to save beneficiaries
  • Calendar view for transaction history
  • Facial recognition login option
  • Improved notification management

In-app purchases

None

Fidelity Online Banking

No in-app purchases

None

Access More

No in-app purchases

Questions

Is Fidelity Online Banking free?
Fidelity Online Banking is free to download, with no in-app purchases.
Is Access More free?
Access More is free to download, with no in-app purchases.
Which has better reviews, Fidelity Online Banking or Access More?
Access More is rated higher. Fidelity Online Banking averages 3.7 out of 5 from 2K ratings, while Access More averages 4.7 from 119K ratings.
Do Fidelity Online Banking or Access More have ads?
Neither Fidelity Online Banking nor Access More shows ads.
Which is updated more often, Fidelity Online Banking or Access More?
Fidelity Online Banking ships an update every 3 weeks, and Access More monthly. Most recently, Fidelity Online Banking was updated on October 24, 2026 and Access More on October 25, 2026.

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