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

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 require secure 4 digit PIN before account holder can transfer with it. That mean it’s you alone that transact 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 work with any kind of phone also it doesn’t require data or internet to perform any transaction.

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

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?

To register for Sterling bank ussd service, account holder should dialing *822*1*NUBAN# direct from the mobile pnone that is link to your account OR the system automatically prompts you to register when you try any transaction. Note Corporate account holders are not eligible

How to buy Airtime or Recharge card from sterling bank

Sterling bank customers can easily recharge their phone line at any time and from anywhere using Sterling’s *822#. It is easy, fast and convenient.
To recharge your phone with sterling bank ussd code dial *822*AMOUNT#

From your phone, dial *822*500# to recharge ₦500 on your phone

To send airtime to a third party from sterling bank, dial *822*AMOUNT*PhoneNumber#

Dial *822*500*08123456789# from your mobile phone to recharge your friend’s phone with ₦500 airtime

customers can buy up to N20,000 airtime in a single purchase, and N20,000 limit per day from their Sterling bank account.

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How do I transfer funds with sterling bank *822#?

To transfer money from sterling bank Nigeria account dial *822*Amount*AccountNumber#

Dial *822*20000*0071234567# to transfer ₦20,000. Follow the prompts to verify details and complete transaction with transaction PIN.


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

To pay for DSTV,GoTV electricity, subscriptions and many more with Sterling SIMPLY FOLLOW THE STEPS BELOW.

To pay a bill, dial *822*BillerCode*UniqueCode*Amount# or *simply *822*2# to see different billers.

From your phone, dial *822*881099*41234567890*10650# to pay for a ₦10650 DStv plan

Card-less withdrawals

With sterling bank Dial4Cash, cardless you don’t need a card to withdraw money from the ATM. It’s easy, seamless and secure. just dial *822*42# and follow the on screen message

From your phone, dial *822*42# and follow the prompts to create a one-time PIN (OTP). Enter your transaction pin for confirmation, a code will be sent to your mobile number via SMS.

At the ATM, enter the code, amount and the One Time Pin created, to get your cash.

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

Check my balance

To check sterling bank account balance from your phone link to your account kindly dial *822*6#

To check sterling bank account number dial *822*8#


Open account with sterling bank *822#

To open bank account with sterling bank, all you need is to dial *822*7# and follow the onscreen prompts to enter your: First name | Last name | Date of Birth | Address .An account number will be created automatically and sent to you via SMS.


Maximum single deposit of N20,000
Maximum cumulative balance of N200,000 at any point in time
Maximum transaction limit of N3,000 and daily limit of N30,000
No airtime or data needed to open an account

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


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.
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 PIN using *822#?

Has your sterling bank PIN been compromised? Or have you forgotten your transaction PIN? Yes? Alright, you can easily reset your USSD transaction PIN with this service.

To change your sterling bank PIN, dial *822#, select Pin Reset