Sterling Bank ussd Codes: Access Banking Quickly

A Comprehensive Guide to Sterling Bank USSD Codes

Unstructured Supplementary Service Data (USSD) codes are a powerful way to access banking services right from your mobile phone. With Sterling Bank USSD codes, you can perform a wide range of transactions and inquiries without internet access. This makes USSD banking incredibly useful, especially in areas with poor network connectivity.

In this comprehensive guide, we will explore all the USSD codes offered by Sterling Bank to make your life easier. Whether you want to check your account balance, transfer funds, or pay bills, we’ve got you covered. Let’s get started!

Sterling Bank ussd Codes


Access Bank USSD Codes

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An Introduction to USSD Banking

USSD is essentially a communications protocol that allows you to access services from your mobile device using shortcodes. All you need to do is dial the code on your phone keypad, and you will initiate a session with your bank.

During this session, you interact with the bank’s systems using basic menu prompts and responses. For instance, selecting “1” for yes or “2” for no. It’s like having a text message conversation with your bank!

The major advantage of USSD is that it works on any GSM mobile phone – smartphone or feature phone. As long as you have network coverage, you can use the service without mobile data or internet. This makes it widely accessible and extremely useful, especially in developing countries.

Now that you understand what USSD banking entails, let’s look at the specific codes for Sterling Bank:

Registering for Sterling Bank USSD Banking

To start using USSD banking, you first need to register with these simple steps:

  1. Dial *822# on your mobile phone
  2. Select option 1 to register
  3. Enter your Sterling Bank account number
  4. Input the last 4 digits of your BVN number
  5. Create a 5-digit USSD PIN

And that’s it! You’re all set to start enjoying quick, convenient banking on your mobile. The registration code is *822#.

Once registered, you never need to enter personal details like account number or BVN again. Just input your PIN to securely access services.

Checking Your Account Balance

After registration, this is usually the first thing people want to do – check how much is in their account. It helps you stay on top of your finances and make better spending decisions.

To check your Sterling Bank account balance using USSD, simply dial:Copy code


After inputting your USSD PIN, your account balance will be displayed on the screen. Easy as that!

You can check your balance as many times as you want, even multiple times a day. It only takes a few seconds, so feel free to monitor it closely.

Getting a Mini Statement

A mini statement gives a quick snapshot of your recent account transactions. It’s an easy way to keep up with your payments, deposits, transfers, withdrawals, and other activities on the account.

To generate a mini statement with Sterling Bank USSD codes, dial:Copy code


Input your PIN, and your mini statement with the last 5 transactions will be displayed. Useful for a quick overview of your account history.

Recharging Airtime

Keeping your phone topped up with airtime is essential these days. With Sterling Bank’s USSD airtime service, you can recharge quickly without the hassle of scratch cards.

To recharge your own airtime or someone else’s, dial:Copy code

*822*Amount*Phone number#

So for example, to buy N1000 airtime for phone number 0802654896, you would dial:Copy code


After entering your PIN, the airtime will be credited instantly. It’s that easy! You can recharge airtime in amounts from N20 to N20,000.

Transferring Money Between Accounts

Transferring or sending money with USSD is secure, instant, and cost-free. It’s one of the most popular uses of USSD banking.

To transfer from your Sterling Bank account to another account in the bank or any other Nigerian bank, dial:Copy code

*822*Amount*Recipient's account number#

For instance, to transfer N5,000 to account number 0123456789 at another bank, you would dial:Copy code


After inputting your PIN to authenticate, the transfer will happen immediately. The funds leave your account and reflect in the recipient’s account within seconds!

Paying Bills with USSD

USSD codes make paying bills and utilities super convenient. You can quickly settle your electricity, cable TV, internet, water, and other bills right from your mobile phone.

To pay bills and make payments via USSD, dial:Copy code

*822*Biller code*Unique code*Amount#


  • Biller code: Identifies the organization you want to pay
  • Unique code: Your account or reference number with that organization
  • Amount: How much you want to pay

For example, to pay your PHCN electricity bill of N5,000 using your meter number 12345678, you would dial:Copy code


The biller codes for major organizations are usually standard across all banks. After paying, you’ll get a notification that the transaction was completed.

Cardless Withdrawals from ATM

Did you forget your ATM card at home? No problem! You can still withdraw cash from a Sterling Bank ATM using USSD.

To initiate a cardless withdrawal, dial:Copy code


You will need to enter your PIN, account number, and withdrawal amount. Then visit any Sterling ATM to retrieve your funds using your PIN within 24 hours.

The daily cardless withdrawal limit is N20,000 for individual accounts. This handy feature lets you access cash even without your debit card.

Managing Your Debit/Credit Card

USSD codes allow you to activate a new card, deactivate a lost or stolen card, change your PIN, retrieve a forgotten PIN, and check available balance.

To manage your Sterling Bank debit or credit card, dial:Copy code


Then follow the menu options:

  1. Lost or stolen card – Block your card immediately
  2. Change PIN – Input your preferred 4-digit PIN
  3. Forgotten PIN – Retrieve your current PIN
  4. Card activation – Activate new card before first use
  5. Available balance – Check card balance

Having card management at your fingertips gives you greater security, control, and convenience. Avoid account risks from a lost card by deactivating it within seconds using USSD.

Buying Data Bundles

Stay connected on the go by purchasing data bundles directly from your mobile phone. It takes just a few seconds to renew your data plan using USSD.

To buy data, dial:Copy code

*822*Amount*Phone number#

So for instance, to purchase a 1GB data bundle for yourself on mobile number 08087651234, you would dial:Copy code


Input your PIN to confirm purchase, and the data bundle will be activated on the number instantly. Data plans start from just 100MB, so you can buy data as and when you need it.

Send Money to Mobile Wallets

In addition to bank transfers, you can also send money instantly to mobile wallets using Sterling USSD codes. Most major wallets like OPay, Paga, and Gokada accept transfers this way.

To send money to a mobile wallet, dial:Copy code

*822*22*Phone number*Amount#

For example, to send N2,000 to a phone number on OPay, you would enter:Copy code


The money immediately leaves your Sterling account and reflects in the recipient’s mobile wallet. They will also get an SMS notification of the transfer.

Checking Your BVN Number

Forgot your 11-digit Bank Verification Number (BVN)? Not to worry, you can retrieve it easily via USSD.

Just dial:Copy code


After entering your PIN, your registered BVN will be displayed. Having your BVN handy helps when opening bank accounts, registering for loans, and other transactions.

Transaction Alerts

By default, you will receive an SMS alert on your registered mobile number for every successful USSD transaction. This includes balance inquiry, transfers, airtime top-up, data purchase, bill payments, and so on.

Alerts provide an audit trail in case you need to track a particular transaction. The SMS contains details like amount, recipient account, date, and time for your reference.

Transaction Limits

For security and risk management reasons, Sterling Bank imposes the following daily limits on USSD transactions:

  • Maximum transfer to other banks: N200,000
  • Maximum transfer to Sterling accounts

Security Tips

While USSD banking offers convenience, you should follow these tips to keep your account secure:

  • Avoid sharing your USSD PIN with anyone, including bank staff.
  • Change your PIN regularly to prevent misuse. Don’t use obvious numbers like your birthday.
  • Monitor your account activity closely with regular mini statements and balance checks.
  • Notify the bank immediately if you lose your phone or suspect fraudulent use.
  • Never engage with unofficial USSD codes sent via messages/emails. Only use official bank codes.
  • When inputting sensitive information like PINs, cover your phone keypad if in public view.
  • If you notice incorrect debits, report the unauthorized transactions promptly.

By taking precautions, you can enjoy safe, stress-free mobile banking. Report suspicious activities early to prevent major issues down the line.

Troubleshooting USSD Issues

Here are some troubleshooting tips if you face problems with the USSD service:

  • Network issues – Move to an area with better reception and try again.
  • Registration problems – Visit your branch; you may need physical verification.
  • Incorrect details entered – Double check and re-enter account/BVN/PIN carefully.
  • Forgotten PIN – Visit a branch or call customer care to reset your PIN.
  • Transaction issues – Confirm recipient details were entered correctly.
  • Balance not updating – There may be a brief delay; try again after some time.
  • Timeout errors – Attempt the transaction again; this could be a temporary glitch.

For complex or persistent issues, get in touch directly with Sterling Bank’s customer support channels. Their agents can assist you with troubleshooting and fixes.


And there you have it – a comprehensive guide to unlocking the full potential of Sterling Bank’s USSD banking! Their USSD shortcodes allow you to manage money on-the-go conveniently and securely.

From checking your balance to paying complex bills to sending mobile wallet transfers – USSD makes it possible with just your phone and a few shortcodes. No smartphones or data plans required!

USSD eliminates the need for rushing to branches or ATMs for your everyday banking needs. You can perform transactions anytime, anywhere through interactive menus at your fingertips.

Next time you need to manage your Sterling account, don’t log into slow internet banking – simply dial away with their USSD codes instead. Financial services don’t get more accessible and user-friendly than this!


Let’s look at some frequently asked questions about Sterling Bank’s USSD banking:

How much does it cost to use USSD?

Sterling Bank offers USSD banking for free! You don’t get charged for using any of the shortcodes. The transactions like transfers, airtime purchase etc. also occur at no extra cost to you.

Can I access it from any phone?

Yes, USSD works seamlessly on any type of GSM mobile phone – basic, feature or smartphones. As long as your phone has signal and is not barred, you can dial USSD codes.

Is it secure? What if I lose my phone?

USSD is very secure. It relies on your personal PIN for authentication, not the phone device. If you lose your phone, immediately block it by dialing 822911# from any other phone.

Are there limits on transactions?

Transaction limits safeguard you against frauds. You can transfer up to N200,000 daily to other banks and up to N500,000 daily to Sterling accounts. Maximum cardless cash withdrawal is N20,000 daily.

Can I register multiple accounts on one phone?

No, you can only register one Sterling account per phone number for USSD. But you can register multiple phones on the same account, with varying PINs.

My USSD menu is not responding. What do I do?

Check your network connectivity and try again. Move locations if required. If issues persist, contact Sterling customer care or visit your home branch for assistance.

How do I change my PIN?

Simply dial 82219# – you will find the PIN change option in the card management menu prompts. Then enter your new preferred 5-digit PIN.

And there you go! I hope this comprehensive guide helps you maximize Sterling Bank’s USSD channels for smooth mobile banking. Dial away and stay in control of your finances on the go.


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