Comparison

Fidelity Online Banking vs EndowPay

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 accounts, cards, and transactions securely and easily from your mobile device. Perform transfers, pay bills, top up mobile phones, and access account statements. Offers biometric login and branch/ATM locator.

Highlights
  • Secure transaction management
  • Inter-bank transfers
  • Biometric/Fingerprint login
  • Account statement generation
  • Bill payments
  • Flight booking and payment
  • ATM and branch locator
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

EndowPay

This app simplifies daily financial transactions, allowing users to manage payments, bills, and gift cards from a single platform. It offers instant mobile top-ups, bill payments, and secure gift card management for convenience.

Highlights
  • Instant airtime and mobile data top-ups
  • Hassle-free electricity and cable TV bill payments
  • Secure betting account funding
  • Easy gift card sending and redemption
  • Single app for transport payments
Read full description

EndowPay – Your All-in-One Digital Wallet for Everyday Payments EndowPay is a fast, secure, and reliable Nigerian fintech app designed to simplify your daily payments. With just a few taps, you can manage all your essential transactions in one place. - Top up airtime & buy mobile data instantly - Pay electricity & cable TV bills without hassle - Fund betting accounts securely - Send and redeem gift cards with ease - Pay for transport & more from a single app Whether you’re recharging your phone, paying household bills, or sending a quick gift, EndowPay gives you the convenience, speed, and security you need. Take control of your payments today — download EndowPay and experience stress-free transactions anytime, anywhere.

Screenshots

Fidelity Online Banking4 screens
EndowPay4 screens

Verdict

The call

The clearest difference is rating: Fidelity Online Banking at 3.7 against EndowPay's 3.0. Fidelity Online Banking also leads on ratings volume (2K vs 2) and iOS requirement (13.0 vs 15.6). 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

Fidelity Online Banking holds the better App Store score, 3.7 against 3.0. That said, the two scores are not equally well evidenced: Fidelity Online Banking has 2K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Fidelity Online Banking ships an update every 2 weeks, EndowPay every 11 days. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
Fidelity Online Banking versus EndowPay: the parameters behind the verdict, then further details
ParameterFidelity Online BankingEndowPay
PriceFreeFree
Rating3.7 (2K ratings) — better3.0 (2 ratings)
Positive reviews28.2% of reviews—
Number of ratings2K — better2
Update frequencyEvery 2 weeksEvery 11 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size91 MB57 MB
Age rating4+4+
DeveloperFidelity Bank PlcEndowPay

Customer experience

Fidelity Online Banking

All ratings1,982 ratings
Positive64.7%
Neutral9.0%
Negative26.3%
Written reviews181 reviews
Positive28.2%
Neutral4.4%
Negative67.4%

EndowPay

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

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

EndowPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Fidelity Online Banking

No in-app purchases

None

EndowPay

No in-app purchases

Questions

Is Fidelity Online Banking free?
Fidelity Online Banking is free to download, with no in-app purchases.
Is EndowPay free?
EndowPay is free to download, with no in-app purchases.
Which has better reviews, Fidelity Online Banking or EndowPay?
Fidelity Online Banking is rated higher. Fidelity Online Banking averages 3.7 out of 5 from 2K ratings, while EndowPay averages 3.0 from 2 ratings.
Do Fidelity Online Banking or EndowPay have ads?
Neither Fidelity Online Banking nor EndowPay shows ads.
Which is updated more often, Fidelity Online Banking or EndowPay?
Fidelity Online Banking ships an update every 2 weeks, and EndowPay every 11 days. Most recently, Fidelity Online Banking was updated on November 6, 2026 and EndowPay on November 5, 2026.

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