Sterling Bank USSD Codes – Quick Banking Solutions


Sterling Bank Plc is a full-service national commercial bank licensed by the Central Bank of Nigeria. It is one of Nigeria’s leading commercial banks, with over 200 branches and over 1 million customers nationwide. Sterling Bank provides a wide range of banking products and services to individuals, small businesses, and large corporations.

After reading this writeup, you will know more about Sterling Bank, its product and services, with special focus on the bank USSD codes and usage.

Sterling Bank USSD Codes - Quick Banking Solutions

1. Sterling Bank mission and vision

Mission: Sterling Bank’s mission is to enrich lives by delivering solutions that enhance stakeholder value.

Vision: Sterling Bank’s vision is to be the financial institution of choice.

Sterling Bank’s mission and vision are underpinned by its four core values:

  1. Customer Focus: Sterling Bank is dedicated to prioritizing its customers and understanding their needs.
  2. Integrity: Sterling Bank is committed to conducting its business with honesty and transparency in all its transactions.
  3. Teamwork: Sterling Bank recognizes the significance of teamwork in achieving success and encourages its employees to collaborate and work together to attain common goals.
  4. Excellence: Sterling Bank is dedicated to providing its customers with the highest quality products and services.

Sterling Bank’s mission, vision, and core values are all aligned with its objective of becoming the preferred financial institution for its customers.

2. Products and Services

Sterling Bank is known for its innovative products and services, such as its One Account, which allows customers to open and operate a savings and current account with a single account number, and its Switch digital banking platform, which offers a variety of features such as mobile banking, online banking, and cardless withdrawals.

Sterling Bank is also a strong supporter of small businesses and entrepreneurs. It offers a variety of loan products and services to help small businesses grow and succeed.

Sterling Bank is also a major player in the Nigerian financial technology sector, and it has invested in a number of fintech startups.

I. Some of Sterling Bank’s popular products and services:

  1. Accounts: Sterling Bank offers a wide range of accounts for individuals, businesses, and corporations. These include savings accounts, current accounts, and investment accounts.
  2. Cards: Sterling Bank provides various types of cards, including debit, credit, and prepaid cards.
  3. Loans: Sterling Bank offers a variety of loan options, such as personal loans, asset finance, auto loans, credit cards, and payday loans.
  4. Investment Products: Sterling Bank provides investment opportunities in the form of mutual funds, bonds, and stocks.
  5. Other Services: Sterling Bank offers a range of other services, including bill payments, money transfers, and insurance.

ii. Here are some of Sterling Bank’s most popular products and services:

  1. Specta: Specta is Sterling Bank’s online lending platform that allows customers to access loans of up to 5 million Naira within 5 minutes. It requires no collateral, paperwork, or physical visits.
  2. Doubble: Doubble is Sterling Bank’s investment platform, offering potential returns of up to 60% on Naira and Dollar investments.
  3. Switch: Switch is Sterling Bank’s digital banking platform, providing easy access to multi-currency savings, cost-effective transfers, and access to various lending, investment, and insurance products in Nigeria.
  4. ONE ACCOUNT: The ONE ACCOUNT is a hybrid account that combines the features of a savings account and a current account. It offers the flexibility and convenience of a savings account along with the functionality and features of a current account.
  5. Sterling Pro: Sterling Pro is a digital banking platform designed for businesses and entrepreneurs. It includes features like easy account opening, online banking, and access to loans and other financial products.

3. Sterling Bank USSD Codes

here are some common Sterling Bank USSD codes for quick banking solutions in tabular form:

USSD CodeFunctionality
*822#Sterling Bank USSD code menu
8221*Amount#Airtime top-up (self)
8222AmountNUBAN#Airtime top-up (others)
8223AmountNUBAN#Transfer funds to other banks
8224*NUBAN#Amount#Check account balance
8225#Generate OTP for transactions
8226*Amount#Bill payment (e.g., DSTV, PHCN)
8227#Manage beneficiaries
8228#Change your PIN
8220#Account information
8229#Customer support

Please note that USSD codes may be subject to change, and it’s a good idea to verify the codes with Sterling Bank or check their official website for the most up-to-date information.

4. What is the transfer limit for Sterling Bank?

here are the transfer limits for Sterling Bank in Nigeria based on the different channels:

  1. USSD:
    • With PIN 1, you can transfer up to N20,000 per transaction.
    • With PIN 2, you can transfer up to N100,000 per transaction.
    • The daily limit for transfers is N100,000 for both savings and current accounts.
  2. Mobile Banking:
    • You can transfer up to N500,000 per transaction.
    • The daily limit for transfers is N1,000,000 for both savings and current accounts.
  3. Internet Banking:
    • You can transfer up to N500,000 per transaction.
    • The daily limit for transfers is N1,000,000 for both savings and current accounts.
  4. ATM:
    • You can withdraw up to N100,000 per day from your Sterling Bank ATM card.

Please be aware that these limits may change over time, so it’s advisable to contact Sterling Bank directly or visit their official website to confirm the most up-to-date transfer limits.

If you need to increase your transfer limit beyond these specified amounts, you can do so by visiting a Sterling Bank branch or contacting their customer service center for assistance.

5. how to open a sterling bank account online

how to open a sterling bank account online

To open a Sterling Bank account online, you will need to follow these steps and have the required information and documents ready:

i. Requirements:

  1. A valid Bank Verification Number (BVN)
  2. A valid phone number
  3. A valid email address (optional)
  4. A valid means of identification (international passport, driver’s license, national ID card, or voter’s card)
  5. One recent passport-sized photograph

ii. Steps to Open a Sterling Bank Account Online:

  1. Visit the Sterling Bank online account opening portal.
  2. Click on the “Start now” button to initiate the account opening process.
  3. Enter your phone number and click on the “Next” button.
  4. Enter your BVN and click on the “Next” button.
  5. Enter your date of birth and click on the “Next” button.
  6. Create a password for your Sterling Bank account and click on the “Next” button.
  7. Provide your personal information, including your name, address, and occupation.
  8. Upload a copy of your valid means of identification and one recent passport-sized photograph.
  9. Review your account details to ensure accuracy.
  10. Click on the “Submit” button to send your application for review.

Once your application is submitted, Sterling Bank will review it, and if approved, they will open your account. You will receive a notification once your account is open, and you can start using it immediately.

You can also choose to walk into any Sterling bank office close to you and open an account with them manually.

6. Minimum balance requirement for Sterling Bank accounts

Below is minimum balance requirements for various types of accounts at Sterling Bank in Nigeria:

  1. Current Account:
    • For individual customers: N250,000
    • For corporate customers: N500,000
  2. Domiciliary Current Account:
    • In foreign currencies (GBP, USD, EUR):
      • GBP 100
      • USD 100
      • EUR 100
  3. Classic Savings Account:
    • Zero opening balance, but a minimum daily balance of N10,000 is required to avoid account maintenance fees.
  4. Kia Kia Account:
    • N50,000 single deposit requirement.
    • N300,000 total balance to maintain.
  5. Kia Kia Plus Account:
    • N100,000 single deposit requirement.

It’s important to note that these are general guidelines, and the specific minimum balance requirements for your account may vary based on your branch location, account type, and other factors. If you fail to maintain the minimum balance requirement in your account, you may be subject to a monthly account maintenance fee. For precise and up-to-date information regarding the minimum balance requirement for your specific account type, it’s advisable to contact Sterling Bank directly or visit their official website.

7. benefits of using Sterling Bank USSD codes

Using USSD codes to transfer money from Sterling Bank offers several advantages, making it a convenient and efficient option for customers. Here are the benefits of using USSD codes for transfers from Sterling Bank, as well as some additional advantages:

  1. Convenience: USSD codes can be used from any mobile phone, regardless of the network or internet connection. This makes it highly convenient for users, whether they are in urban or remote areas, and allows for transactions on the go.
  2. Speed: USSD transfers are known for their speed. Transactions are typically processed within seconds, making it an excellent choice for quick fund transfers.
  3. Affordability: Sterling Bank charges a flat fee of N5 for all transfers through USSD codes. This is a cost-effective option when compared to other money transfer methods, such as using traditional banking services or international transfer agencies.
  4. Security: USSD transfers, including those with Sterling Bank, are generally secure. Sterling Bank implements robust security measures, including two-factor authentication, to protect customers’ accounts and transactions.
  5. Availability 24/7: USSD codes can be used to transfer money at any time of day or night, 365 days a year. This constant availability ensures that customers can initiate transactions whenever they need to.
  6. Ease of Use: USSD codes are straightforward and user-friendly. Even individuals who are not tech-savvy can easily navigate through the process, making it accessible to a wide range of customers.
  7. No Need for Internet Connection: USSD codes do not rely on an internet connection. This means that users can conduct transactions even in areas with poor or no internet access, ensuring accessibility in various situations.


If you are a Sterling Bank customer, using USSD codes for money transfers is a recommended option due to its convenience, speed, affordability, security, and accessibility. These codes can be used 24/7 and are easy to operate, making them a versatile choice for managing your finances and sending money to others.

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