Sterling bank ussd : How to register, transfer money, buy Airtime, Block account and check account balance

Last updated on March 25th, 2025 at 12:42 pm

Sterling Bank’s USSD service is designed to provide banking services for airtime recharge, transfers, bill payments, check account balance and more to customers from any mobile device without data or internet connection.

The banking service is seamless, fast and secure because it requires a secure 4 digit PIN before the account holder can transfer with it. That means it’s you alone that transacts with it. Also you will be prompted to create a PIN 2 using your debit card, if you wish to transfer above N20,000 per transaction with a daily limit of N100,000 for savings and current account

The sterling bank Mobile transfer code is available to All Glo, MTN, Airtel and 9mobile subscribers and it works with any kind of phone also it doesn’t require data or internet to perform any transaction.

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However, this content is to provide search banking solution for sterling bank customers on how to use the bank USSD (Unstructured Supplementary Service Data) code.

**Benefits of using Sterling bank *822#**

1. Automatically links all accounts, where customer has multiple accounts
2. Self-service registration.
3. Customer can pay regular bills and utilities seamlessly
4. Does not require mobile data or internet.
5. It works with any kind of mobile device
6. Easy, simple, fast and convenient

Sterling bank ussd Charges

There are charges when using sterling bank ussd they are as followed:

Transfer – within Sterling – N21 (VAT inclusive)
Other banks – N52.50 (VAT inclusive)
Check account balance – N10.05 (VAT inclusive)
Retrieve account number – N10.05(VAT inclusive)
Bill Payment – N105 (VAT inclusive)
Merchant Payment – N20.NG

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How can I register for sterling bank ussd code

To register for Sterling Bank’s USSD code (*822#), follow these steps:

Dial *822*1*AccountNumber# on your registered mobile phone.
Provide the required details, such as your account number and other personal information.
Set up a unique 4-digit USSD PIN for secure transactions.
Re-enter the PIN to confirm it.
You’ll get a message confirming successful registration.

Once registered, you can use *822# for various transactions like transfers, airtime purchases, and bill payments.

How to buy airtime from fcmb

To buy airtime using FCMB’s USSD code, follow these steps:

For Self-Recharge:
- Dial *329*Amount# on your registered mobile phone.
- Example: To recharge ₦500 for yourself, dial *329*500#.
- Confirm the transaction with your 4-digit USSD PIN.
For Others:
- Dial *329*Amount*Recipient'sPhoneNumber#.
- Example: To send ₦500 airtime to someone with the phone number 08012345678, dial *329*500*08012345678#.
- Confirm the transaction with your PIN.

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How to transfer money from sterling bank

To transfer money using Sterling Bank’s USSD code (*822#), follow these steps:

Dial*822*Amount*AccountNumber# on the mobile phone linked to your Sterling Bank account.
- Example: To transfer ₦10,000 to an account with the number 0123456789, dial *822*10000*0123456789#.
If transferring to another bank, choose the recipient’s bank from the options provided.
Input your 4-digit USSD PIN to confirm and complete the transfer.
An SMS notification will confirm the success of your transaction.

**How do I pay bills with sterling bank *822#?**

To pay bills using Sterling Bank’s USSD code (*822#), follow these steps:

Dial *822# on your registered mobile phone.
From the menu, choose the “Pay Bills” option.
Select the type of bill you want to pay (e.g., electricity, cable TV, etc.).
Provide the required details, such as your customer ID or account number for the service provider.
Enter your 4-digit USSD PIN to authorize the transaction.

You’ll receive a confirmation message once the payment is successful

Sterling bank Card-less withdrawals

To perform a cardless withdrawal with Sterling Bank, follow these steps:

Dial *822*42# on your registered mobile phone.
Choose the “ATM Withdrawal” option from the menu.
Input the amount you wish to withdraw and validate the transaction with your 4-digit USSD PIN.
A unique transaction code will be sent to your registered mobile number via SMS.
At the ATM, press “Enter” or “0” to initiate a cardless withdrawal.
- Select “Sterling Money” or “Cardless Withdrawal.”
- Enter your phone number, the amount, and the transaction code received.
Once the transaction is confirmed, the ATM will dispense your cash.

Also read: Union bank ussd :How to register, transfer money, buy Airtime, check account balance and Pay bills

How to check sterling bank Account balance

To check your Sterling Bank account balance using USSD, follow these steps:

Dial *822*6# on your registered mobile phone.
Input your 4-digit USSD PIN to authorize the request.
Your account balance will be displayed on your screen.

This method is quick and convenient, allowing you to check your balance without internet access.

**How to Open account with sterling bank *822#**

To open an account with Sterling Bank using the USSD code, follow these steps:

Dial *822*7# on your mobile phone.
Provide your Bank Verification Number (BVN) when prompted.
Follow the on-screen instructions to input your name, date of birth, and other required information.
Once successful, your new account number will be sent to you via SMS.

Also read: Zenith bank USSD: How to register, transfer money,buy airtime and other transaction

How to manage sterling bank card

To manage your sterling bank card simply Dial *822*19# and select card management, to either to Disable or Enable channel or Country option.

Dial *822*19# and select Card activation to activate your debit card after pick up.
Dial *822*19# and select Pin Change to change your debit card Pin instantly.
Example:
Travelling to the United States? Dial *822*19# and select the country you wish to enable/disable the card for.

Want to curb a spending habit? Dial *822*19# and select the channels you wish to disable and enable your cards for.

**How do I reset my sterling bank PIN using *822#?**

To reset your Sterling Bank PIN using the *822# USSD code, follow these steps:

Dial *822# on your registered mobile phone.
From the menu, choose the option to reset your PIN.
Enter the last 4 digits of your Sterling Bank ATM card or other requested details for verification.
Create a new 4-digit PIN and confirm it by re-entering the same PIN.
You’ll get a message confirming that your PIN has been successfully reset.

You can buy up to N20,000 airtime in a single purchase, and N20,000 limit per day.

Do I need to have airtime on my Phone line to access this service?

For airtime purchase on Airtel, 9Mobile, GLO and MTN, you do not need to have airtime on your phone.

What is the maximum amount of airtime i can buy?

You can buy up to N20,000 airtime in a single purchase, and N20,000 limit per day.

What is the maximum amount I can transfer?

You can transfer up to N20,000 per transaction with PIN 1, and up to N100,000 per transaction with PIN 2, with a daily limit of N100,000 for savings and current account.