Sterling Bank Transfer Code – Full List of Sterling Bank USSD Codes (2023) - Techlimbs

Sterling Bank Transfer Code – Full List of Sterling Bank USSD Codes (2023)

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STERLING BANK TRANSFER CODE: Discover the ultimate guide to the Sterling Bank USSD Code for efficient banking transactions. From activation to various transactions, explore the benefits and features of the Sterling USSD Code.

Every business understands that we want our services quick and fast these days, and the banking landscape has evolved to cater to modern demands. The integration of technology into banking operations has led to the rise of innovative solutions, and one such solution is the transfer code for Sterling Bank. This guide aims to provide you with an in-depth understanding of the USSD code for Sterling Bank, its benefits, and how you can leverage it for seamless banking transactions.

What We Covered in this Post

  • Definition and explanation of Unstructured Supplementary Service Data (USSD).
  • Introduction to Sterling Bank’s USSD Code and its features.
  • List of prerequisites for activating the USSD Code.
  • Step-by-step guide to registering and activating the USSD Code.
  • Breakdown of USSD codes for various banking transactions.
  • Explanation of the advantages of using the USSD Code.
  • List of charges for different USSD transactions.
  • Frequently asked questions related to the USSD Code with concise answers.
  • Brief overview of Sterling Bank as a reputable financial institution.
  • Recap of the significance of the Sterling Bank USSD Code.

What is USSD?

USSD, or Unstructured Supplementary Service Data, is a communication protocol that allows mobile phones to communicate with service providers’ computers. It involves sending shortcodes, usually starting with an asterisk (*) and ending with a hash (#), which trigger specific actions on the service provider’s system. This technology doesn’t require an internet connection and is widely used for various purposes, including mobile banking.

What is Sterling Bank USSD Code?

The Sterling Bank USSD Code, also known as the Sterling Bank Transfer Code, *822#, is a revolutionary tool that empowers Sterling Bank customers to conduct banking transactions swiftly and securely using their mobile phones. This USSD code enables you to perform a range of transactions, from transferring funds to checking your account balance, all without the need for an internet connection. Whether you’re an MTN, Glo, Airtel, or 9 Mobile subscribers, the Sterling USSD Code is accessible across all major networks.

Requirements to Register & Activate Transfer Code for Sterling Bank

To unlock the convenience of the Sterling Bank USSD Code, a few prerequisites are essential:

  1. Mobile Phone with SIM Card: Ensure you have a mobile phone equipped with a SIM card from any of the major Nigerian mobile networks.
  2. Active Sterling Bank Account: You must hold an active account with Sterling Bank.
  3. Mobile Network Signal: A stable mobile network signal is crucial for seamless USSD transactions.

How to Register & Activate USSD Code for Sterling Bank

Activating the Sterling Bank Transfer Code is a straightforward process:

  1. Dial *822*1*NUBAN# (where NUBAN represents your 10-digit account number).
  2. Follow the on-screen prompts to create a personalized 4-digit USSD PIN.
  3. Confirm your newly created USSD PIN.
  4. Once successfully confirmed, you’ll receive an activation message confirming your registration.

List of Sterling Bank USSD Codes

Sterling USSD Codes cater to various banking needs:

  • Transfer within Sterling Bank: Dial *822*Amount*Account Number#.
  • Transfer to Other Banks: Dial *822*Amount*Account Number# and select the recipient bank.
  • Buy Airtime for Self: Dial *822*Amount# to recharge your own phone.
  • Buy Airtime for Others: Dial *822*Amount*Phone Number# to recharge another phone.
  • Check Account Balance: Dial*822*0# to receive your account balance.
  • Cardless Withdrawal: Dial *822*42# for cardless ATM cash withdrawal.
  • Pay Bills: Dial *822*2# for convenient bill payments.
  • Block ATM Card: Dial *822*911# to block your ATM card.

Sterling Bank Transfer Code for Checking Balance

Curious about your account balance? Retrieve it effortlessly by dialling *822*0# from your registered mobile phone. You’ll promptly receive an SMS containing your account balance details.

Also Read: The Union Bank Transfer Code Services

Sterling Bank USSD to Transfer Money from Sterling Bank to Sterling Bank

Transferring funds from your Sterling Bank account to another Sterling Bank account is a breeze. Simply dial *822*Amount*Account Number# and follow the prompts to complete the transaction securely.

Sterling Bank Code to Transfer Money from Sterling Bank to Other Banks

Need to send money to accounts in other banks? Dial *822*Amount*Account Number#, select the recipient bank, and follow the prompts to execute a seamless and secure transaction.

Sterling Bank USSD Code for Opening an Account

If you’re looking to open an account with Sterling Bank, you can initiate the process by dialling *822*7#. Follow the on-screen instructions to register your account conveniently.

Sterling Bank USSD for Buying Airtime for Self

When your airtime balance runs low, recharge swiftly by dialling *822*Amount# to buy airtime directly from your Sterling Bank account. No more interruptions during important calls or messages.

Sterling Bank Code for Buying Airtime for Others

Spread the convenience by purchasing airtime for others. Dial *822*Amount*Phone Number# to top up another mobile phone and ensure uninterrupted communication for your loved ones.

Sterling Bank USSD Transfer Code for Withdrawal

Misplaced your ATM card but urgently need cash? No worries. Dial *822*42# to initiate a cardless withdrawal directly from your Sterling Bank account.

Sterling Bank Transfer Code for Bill Payments

Make bill payments a hassle-free experience. Dial *822*2#, follow the prompts, and settle your bills securely and conveniently using the USSD Code.

Sterling Bank BVN USSD Code

To check your Bank Verification Number (BVN), dial *565*0# and your BVN will be provided. This comes at the cost of 20 Naira per request.

Sterling Bank Code to Block ATM Card

In case your ATM card is lost or stolen, take immediate action by dialling *822*911# from any mobile phone to block your ATM card and prevent unauthorized access.

USSD Sterling Bank Code to Block Account

If you suspect any unauthorized access to your Sterling Bank account, dial *822*911# to promptly block your account and safeguard your funds.

Benefits of Using Sterling Bank Code

Embracing the Sterling Bank Transfer Code offers a multitude of advantages:

  • Convenience: Perform banking transactions anywhere, anytime, without the constraints of location or time.
  • Speed: USSD transactions are swift, ensuring your financial needs are met promptly.
  • Security: The USSD Code employs a personalized PIN for secure transactions, safeguarding your funds.
  • Accessibility: Compatible with all major mobile networks, ensuring accessibility for a broad spectrum of users.
  • Internet Independence: Unlike mobile apps, the USSD Code operates without the need for an active internet connection.

Sterling Bank USSD Charges

  • Transfer within Sterling Bank: N21 (inclusive of VAT)
  • Transfer to Other Banks: N52.50 (inclusive of VAT)
  • Check Account Balance: N10.05 (inclusive of VAT)
  • Bill Payment: N105 (inclusive of VAT)
  • Merchant Payment: N20

FAQs and Answers on Sterling Bank Transfer Code

  1. How do I register for the Sterling Bank USSD Code? To register, dial *822*1*NUBAN# and follow the prompts.
  2. What is the daily transfer limit for the USSD Code? The daily transfer limit is 100,000 Naira.
  3. Can I buy airtime for someone else using the USSD Code? Yes, by dialing 822Amount*Phone Number#.
  4. How do I change my USSD PIN? Dial *822# and follow the options for PIN change.
  5. Is the USSD Code available on all mobile networks? Yes, it works on MTN, Glo, Airtel, and 9 Mobile.
  6. What happens if I forget my USSD PIN? Dial *822# and follow the steps to reset your PIN.
  7. Can I transfer money to international accounts using the USSD Code? No, the USSD Code is currently limited to domestic transactions.
  8. How secure is the USSD Code for banking? The USSD Code employs a PIN for each transaction, ensuring secure banking.
  9. Are there alternatives to the USSD? Yes, you can perform transactions with Sterling Bank through other channels like the internet banking platform, mobile app, Sterling Whatsapp Banking, etc.

About Sterling Bank Nigeria

With a history dating back to 1960, Sterling Bank Nigeria has consistently redefined banking in the country. Their customer-centred approach, innovation, and commitment to societal growth set them apart. By embracing technology, Sterling Bank offers seamless digital solutions like mobile banking apps and USSD codes, empowering customers with convenience. The bank’s dedication to sustainability is evident through initiatives promoting eco-friendly practices.

Sterling Bank’s impact extends beyond banking; they actively support sectors like agriculture, education, and SMEs to fuel economic growth. Their strong ethical values and collaborative partnerships have earned them trust and recognition. As Nigeria’s economic landscape evolves, Sterling Bank remains steadfast in its mission to provide cutting-edge financial solutions that drive progress and prosperity for individuals, businesses, and communities across the nation.


The Sterling Bank Transfer Code serves as a testament to the transformational power of technology in banking. From transferring funds to buying airtime and more, the USSD Code empowers you to manage your finances effortlessly. Sterling Bank remains at the forefront of technological advancements in banking, ensuring that your financial transactions are seamless, secure, and convenient.

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