Sterling bank code


How to activate/register the Sterling bank code (Nigeria), PIN reset, send money, etc 

Sterling bank code – If you are a Sterling bank customer looking to consummate transactions like; sending and receiving money, paying bills, top-up airtime, etc., with the Sterling bank USSD code this guide will provide ample ideas to help you achieve your aims.

Why use the Sterling bank code?

It’s fast, easy, and convenient to use, it’s secure, and reliable as well as provides a seamless banking experience to Sterling bank customers.

What is Sterling bank USSD service?

The USSD service is Unstructured Supplementary Service Data which allows Sterling bank customers have access to basic financial services by dialing *822#.t

Benefits of using *822#

1. It links all user accounts automatically

2. It’s a self-service registration, which means you can complete the onboarding yourself as well as pay bills seamlessly.

3. It does not require mobile data or internet

4. Its operation is easy, simple, convenient, and fast.

Requirements to activate Sterling bank code

1. You will need a mobile phone as well as a mobile number

2. An active Sterling bank account

How to activate Sterling bank Nigeria USSD code

1. From your registered phone number with Sterling bank, dial *822#

2. Follow the on-screen carefully to complete your registration, remember to add your bank account number at the recommended space.

3. You will need to set up your 4-digit PIN, Confirm your PIN to complete the activation process. Now you can start consummation transactions via the USSD.

How do I reset my PIN using *822#?

If in any case your PIN got compromised or you’ve forgotten your transaction PIN, you can easily reset your USSD transaction PIN by following the below guideline;

Dial *822# from your registered mobile line with Sterling bank, from the displayed options “Select PIN Reset.” You’ll be prompted to choose and enter a new PIN, conform the entered preferred PIN by entering the same in the confirmation column.

Just there you would have reset your PIN and can transact successfully using the *822#.

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

From your registered phone number dial *822*Amount*Account number of the receiver#


Dial *822*10000*0087965782# to transfer N10k, follow the prompt to verify details, and enter your transaction PIN to complete the transaction.

How do I recharge with *822#?

Self recharge – Dial *822*Amount#


From your registered phone dial *822*1000# to recharge N1,000 yourself.

Third-party recharge – Dial *822*Amount*Beneficiary phone number#


Dial *822*1000*07034847816# from your phone to recharge N1,000 for friends or family/third party.

How do I make a cardless withdrawal with *822#?

You may need cash but not with your debit card, you can access cash without your card

From your registered phone dial *822# and follow the screen prompts to create an OTP.

Enter your USSD transaction PIN for confirmation, a code will be sent to your mobile phone number via SMS.

Visit an ATM, enter your PIN, and the amount you want to withdraw, and enter your OTP in the column asked for a card-less withdrawal, the machine dispenses and you collect your cash and start spending.

How to manage your card with *822#

You may run into eventuality like sudden robbery or theft where your card is taken away.

1. From your registered phone dial *822*19# and select card management to either disable or enable the channel or country option.

2. Dial *822*19# and select card activation to activate your debit card after Pick up.

3. Dial *822*19# and select PIN change to change your debit card PIN instantly.

How to check account number/balance with Sterling bank code

To check your account number – Dial *822*8# your account number will be sent via SMS

To check your balance– Dial *822*6# your account balance will be displayed as well as sent to you via SMS.

How can I open an account with Sterling bank *822#?

Dial *822*7# from your registered number and follow the screen prompt to get your account number instantly.

Account Features

  • Maximum single deposit limit of N20,000. This means you cannot deposit more than N20k at once or per transaction.
  • Maximum cumulative balance of N200,000. This means that the balance in this account must not exceed N200k. Where such a transaction occurs, the account will be automatically thrown on PND. You will need to visit the bank with proper account documentation to access your fund.
  • Maximum transaction limit of N3,000 and daily limit of N30,000.


There you have it on how to activate the Sterling bank USSD code, if you own an account or looking to start banking with Sterling bank, kindly follow the above guideline to get started at once.

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