Fidelity Smart Agent Network

Fidelity's Smart Account is serviced by Smart Agents - grocery stores, supermarkets, pharmacies, phone shops etc. that are recruited, trained and certified by Fidelity Bank to conduct basic banking transactions on our behalf. The first and only of their kind in Ghana, Fidelity Smart Agents are equipped with Point of Sale terminals (POS), with which they assist clients in making deposits, withdrawals, bill payments and other basic banking transactions. For cash management, Fidelity Smart Agents hold a float with the Bank.

We currently have approximately 300 Smart Agents in the Greater Accra, Ashanti, Northern and Upper East regions. We have a focused expansion plan with an aim to have 800 agents nationwide by year-end 2014.

Agents are easily identified by clearly displayed Smart Agent signage at agent points. Transactions are done securely via a POS machine.

Service Fidelity Smart Agent ATM Mobile / Internet
Account opening
Cash deposit
Cash withdrawal
Balance enquiry
Mini Statement
Card-less transfers
Funds transfer
Utility bill payment
Airtime top -up
PIN Change * **

* PINs cannot be changed at the Smart Agent point
** PINs cannot be changed via internet

To keep our Smart Agents motivated, we pay them commissions on the transactions that they conduct as well as offer them benefits from the SME business of the bank. Smart Agents can earn up to GHS 10,000 a year on commissions alone! Other benefits to Smart Agents include:

  • Business accounts with Fidelity
  • Reduced Loan Processing Fees
  • Concessionary interest rates on loans
  • Free e-banking services
  • Asset Finance
  • Insurance cover
  • Access to Fidelity Business Academy where excellent training is given to SMEs
  • Priority invitation to business performance enhancement programs organized by Fidelity
  • Unrivaled networking opportunities

Become a Smart Agent!

We are rapidly expanding and need more Agents to join our winning team.

If you;

  • Are motivated to become a Fidelity Agent,
  • Have an business that has been operating successfully in the same location for at a minimum ofior to application,
  • Have a valid business registration certificate and permits for the existing business &
  • Have a strategic business location-accessible, visible, secure environment with an appreciable level of human traffic

Then, please download our Smart Agents Application Packet in the downloads section. Alternatively you can call us on 080010011 or 0302214490 or email