How to register for sterling bank ussd and other transaction

With the increasing demand for convenient and secure banking services, Sterling Bank offers customers the option to register for USSD (Unstructured Supplementary Service Data) service. This technology allows users to access banking services on their mobile phones quickly and easily, without the need for internet connectivity.

The service is secure and reliable, providing customers with peace of mind when conducting financial transactions such as check account balance, transfer funds, pay bills, and even purchase airtime because it requires users to set a unique PIN to access their accounts, ensuring that only authorized individuals can make transactions.

In this article, we will guide you through the process of registering for Sterling Bank’s USSD service, outlining the eligibility requirements, steps for registration, features and benefits

Read; How to register for Standard Chartered Bank Nigeria USSD

Features and benefits of sterling bank ussd

Sterling Bank’s USSD service, *822#, offers a range of features and benefits for customers:

Features:

  • Self-Registration: Customers can easily register for the service by dialing *822# and following the prompts.
  • Account Opening: New customers can open a Sterling Bank account through the USSD service.
  • Balance Inquiry: Quickly check your account balance.
  • Transfers: Transfer funds to other Sterling Bank accounts or to accounts in other banks.
  • Bill Payments: Pay utility bills (electricity, water, etc.), cable TV bills, and other recurring payments.
  • Airtime Top-up: Purchase airtime for yourself or others on all major networks in Nigeria.
  • Cardless Withdrawals: Withdraw cash from Sterling Bank ATMs without a debit card.
  • Mini Statement: View a summary of your recent transactions.
  • Deactivate USSD: Unregister from the USSD service if you no longer need it.

Also read: How to register for Stanbic Ibtc ussd and transfer

Benefits:

  • Convenience: Access your bank account and perform transactions anytime, anywhere, with just your mobile phone.
  • Accessibility: No smartphone or internet connection is required. Works on any basic phone with network coverage.
  • Speed and Efficiency: Transactions are processed quickly, saving you time.
  • Security: Transactions are secured with a PIN to protect your account.
  • Self-Service: Many features, including registration, can be done independently without needing to visit a branch.
  • Low Transaction Costs: USSD transactions generally have lower charges than other banking channels.

Overall, Sterling Bank’s *822# USSD service offers a convenient, accessible, and secure way for customers to manage their finances on the go. Its user-friendly interface and wide range of features make it a valuable tool for both new and existing customers.

Read: Polaris bank ussd: How to register and transfer money

What types of transactions can I perform with sterling bank ussd

With Sterling Bank’s USSD service (*822#), you can perform a variety of transactions, including:

Account Management:

  • Check Account Balance: Inquire about your account balance quickly.
  • Open Account: You can initiate the process of opening a new account.
  • My Account(s): View details of your linked Sterling Bank accounts.

Funds Transfer:

  • Transfer to Sterling Accounts: Send money to other Sterling Bank accounts.
  • Transfer to Other Banks: Transfer funds to accounts in other Nigerian banks.

Airtime Purchase:

  • Airtime (Self): Recharge your own mobile phone line.
  • Airtime (Others): Purchase airtime for another person’s phone.

Bill Payments:

  • Pay various bills such as utility bills (electricity, water), cable TV bills, and other recurring payments.

Cardless Withdrawal:

  • Initiate cardless withdrawals from Sterling Bank ATMs.

Others:

  • Self-Registration: Register for the *822# service if you haven’t already.
  • Deactivate USSD: Unregister from the USSD service.

Required information to register for sterling bank ussd

To register for Sterling Bank USSD (*822#), you’ll need the following:

  • An active Sterling Bank account: You must have an existing account with the bank.
  • A mobile phone number linked to your account: Ensure the phone number you intend to use for USSD transactions is registered with your Sterling Bank account.
  • A debit card linked to your account: You’ll need to provide some details from your debit card during the registration process.

Read: Keystone Bank’s USSD: How to register and transfer money

How to register for Sterling bank USSD

Sterling Bank offers two primary methods for registering for their USSD service (*822#):

1. Automatic Registration:

  • If you are an existing Sterling Bank account holder with a phone number linked to your account, you might not need to register manually.
  • Dial *822# from your linked phone number, and the system will automatically prompt you to register if needed.

2. Manual Registration:

  • Dial *822*1*NUBAN# (Replace NUBAN with your Sterling Bank account number).
  • Follow the on-screen prompts to complete the registration process. You will be asked to create a 4-digit PIN to secure your transactions.

Also Read: How to register and activate First City Monument Bank (FCMB) ussd

How to transfer money from Sterling bank

Sterling Bank offers two easy ways to transfer money using their USSD code, *822#:

1. Using the USSD Menu:

  1. Dial *822# from your registered mobile phone.
  2. Choose option 3 for “Transfers.”
  3. Select the type of transfer:
    • 1 for “Sterling to Sterling” (transferring to another Sterling Bank account)
    • 2 for “Sterling to Other Banks” (transferring to other Nigerian banks)
  4. Enter the recipient’s 10-digit account number.
  5. Enter the amount you want to transfer.
  6. Confirm the details and enter your 4-digit PIN to authorize the transaction.

2. Using Quick Codes:

  • Sterling to Sterling: Dial *822*Amount*Account Number# (e.g., *822*5000*1234567890# to transfer ₦5,000).
  • Sterling to Other Banks: Dial *822*Amount*Account Number# (e.g., *822*5000*1234567890#), then follow the prompts to select the recipient’s bank.

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.  

Read: How to register and activate First bank USSD

How to buy airtime from Sterling Bank

Sterling Bank offers two easy ways to buy airtime using their USSD code *822#:

1. Using the USSD Menu:

  1. Dial *822# from your registered mobile phone.
  2. Select 8 for “Airtime (Self)” or 9 for “Airtime (Others).”
  3. If you selected “Airtime (Others),” enter the recipient’s phone number.
  4. Enter the amount of airtime you want to purchase.
  5. Confirm the details and enter your 4-digit PIN to authorize the transaction.

2. Using Quick Codes:

  • Airtime (Self): Dial *822*Amount# (e.g., *822*500# to purchase ₦500 airtime for yourself).
  • Airtime (Others): Dial *822*Amount*PhoneNumber# (e.g., *822*500*08012345678# to purchase ₦500 airtime for the number 08012345678).

Please note: You can buy up to N20,000 airtime in a single purchase, and N20,000 limit per day.  For airtime purchase on Airtel, Etisalat, GLO and MTN, you do not need to have airtime on your phone.

How to check Sterling bank account Balance

To check your Sterling Bank account balance using USSD, simply dial *822*6# on your mobile phone linked to your Sterling Bank account. You will then receive an SMS message containing your available balance.

Alternatively, you can check your balance using the following methods:

  • OneBank Online: Log in to your OneBank Online account via the website or mobile app.
  • OneBank App: Download and use the OneBank mobile app.
  • ATM: Insert your Sterling Bank debit card into any Sterling Bank ATM and select “Balance Inquiry”.
  • Bank Statement: Request a printed or electronic bank statement.
  • Customer Care: Call Sterling Bank customer care at 07008220000.

Read: How to Register for Ecobank USSD Code and transfer money

How do I reset my sterling bank PIN

To reset your Sterling Bank USSD PIN (*822#), you can follow these steps:

  1. *Dial *822# from your registered phone number.
  2. Select option “9” for “Others”.
  3. Select option “2” for “PIN Reset”.
  4. Follow the on-screen prompts. You may be asked to enter your account number, BVN, or other details to verify your identity.
  5. Create a new 4-digit PIN.
  6. Re-enter the new PIN to confirm it.
  7. You will receive a confirmation message once your PIN has been successfully reset.

How do I make card-less withdraw from sterling bank

To make a cardless withdrawal from Sterling Bank using USSD, follow these steps:

  1. Dial *822*42# from your registered mobile phone.
  2. Select the account you want to withdraw from.
  3. Enter the amount you want to withdraw.
  4. Create a 4-digit one-time PIN (OTP).
  5.  Enter your transaction pin for confirmation, a code will be sent to your mobile number via SMS.
  6. Go to a Sterling Bank ATM that supports cardless withdrawals.
  7. Select the “Cardless Withdrawal” option on the ATM screen.
  8. Enter the reference code and your OTP.
  9. Collect your cash.

How do I pay bills from sterling bank

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

  1. *Dial *822# on your registered mobile phone.
  2. Select option 2 for “Bill Payments.”
  3. Choose the category of the bill you want to pay (e.g., electricity, cable TV, internet, etc.).
  4. Select the specific biller from the list provided.
  5. Enter your unique identifier (e.g., customer ID, smartcard number, account number) for the biller.
  6. Enter the amount you want to pay.
  7. Confirm the details and enter your 4-digit PIN to authorize the transaction.

Or  dial *822*BillerCode*UniqueCode*Amount#

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

 

How to open sterling bank account

Sterling Bank offers a simplified process to open an account using their USSD code *822#. While you can initiate the account opening process via USSD, you’ll need to complete it either online or by visiting a branch. Here’s how to get started:

Simply dial *822*7# and follow the onscreen prompts and provide the necessary details, such as:

  • Your Bank Verification Number (BVN)
  • Your date of birth
  • Your preferred account type

How to manage sterling bank card

Sterling Bank allows you to manage your debit cards using the USSD code *822#. Here’s how you can do it:

  • *Dial 822# from your registered mobile phone.

  • Select “19” for Card Management: This option will take you to the card management menu.

  • Choose the desired action: You can perform the following actions:

    • Block Card: If your card is lost or stolen, select this option to block it immediately by Dial *822*19# and select the channels you wish to disable and enable your cards for.
    • Unblock Card: If you temporarily blocked your card and want to reactivate it, choose this option.
    • Change PIN: Change your debit card PIN to a new one by Dialing *822*19# and select Pin Change to change your debit card Pin instantly.
    • Enable/Disable Channel: Control where your card can be used (e.g., ATM, POS, Web).
    • Enable/Disable Country: Control the countries where your card can be used.
    • by Dialing *822*19# and select the country you wish to enable/disable the card for
  • Follow the Prompts: Follow the on-screen instructions to complete the selected action. You may need to enter your card details, PIN, or other information for verification.

How to check sterling bank account number

You can easily check your Sterling Bank account number using the USSD code:

  1. Dial *822*8# on your registered mobile phone.
  2. Your Sterling Bank account number will be displayed on the screen.

Important Note:

  • Ensure that you are using the mobile phone number linked to your Sterling Bank account for this process.

If you encounter any difficulties or need further assistance, you can contact Sterling Bank customer care at 07008220000.

Sterling bank  ussd Charges Applicable

Transfer – within Sterling – N21.5 (VAT inclusive)

Other banks – 

  • N0 – N5,000 : N10.75 (VAT inclusive)
  • N5,001 – N50,000 : N26.88 (VAT inclusive)
  • N50,001 and above : N53.75 (VAT inclusive)

Check Account Balance – N10.75 (VAT inclusive)

Retrieve Account Number – N10.75 (VAT inclusive)

Bill Payment – N107.5 (VAT inclusive)

Merchant Payment – N21.5 (VAT inclusive)

FAQS

Q: What is the Sterling Bank USSD code?

A: The Sterling Bank USSD code is *822#.

Q: How do I register for Sterling Bank USSD banking?

A: You can register in two ways:

  1. Automatic: Dial *822# from your phone number registered with Sterling Bank, and the system will guide you through the registration process.
  2. Manual: Dial *822*1*NUBAN#, where NUBAN is your Sterling Bank account number. Follow the prompts to create your PIN.

Q: What transactions can I perform using Sterling Bank USSD banking?

A: You can perform various transactions, including:

  • Checking your account balance
  • Transferring funds to Sterling Bank accounts and other banks
  • Buying airtime for yourself or others
  • Paying bills (e.g., electricity, cable TV, internet)
  • Cardless withdrawal at Sterling Bank ATMs
  • Opening an account (initial steps)
  • Blocking your debit card

Q: Do I need a smartphone to use Sterling Bank USSD?

A: No, you can use it on any mobile phone with basic functionality.

Q: Is there a fee for using Sterling Bank USSD?

A: There are no monthly fees, but standard network charges may apply for each USSD session. Some transactions may also have additional charges.

Q: How do I reset my Sterling Bank USSD PIN?

A: Dial *822#, select option 9 for “Others”, then option 2 for “PIN Reset”. Follow the instructions to create a new PIN.

Q: How do I block my Sterling Bank debit card using USSD?

A: Dial *822#, select option 19 for “Card Management”, then choose “Block Card” and follow the instructions.

Q: What should I do if I encounter any issues while using the USSD service?

A: Contact Sterling Bank customer care at 0700 822 0000 for assistance.

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies

Contact;Kokobest04@gmail.com
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About admin

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia . Frank have worked as a banker and consultant in variety of Nigeria agencies Contact ;Kokobest04@gmail.com
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