How to check Sterling Bank account balance

Last Updated on June 13, 2025 by admin

In today’s fast-moving financial world, keeping an eye on your bank account balance is crucial for managing your money wisely. Sterling Bank provides a range of easy options for customers to check their account balances, making sure you can access your financial details whenever you need them

Whether you enjoy the convenience of online banking, the features of a mobile app, or the reliability of traditional ATM services, knowing how to use these tools can empower you to take charge of your finances.

This article will guide you through the various methods available for checking your Sterling Bank account balance, provide step-by-step instructions, and highlight the importance of regularly monitoring your account for security and budgeting purposes.

Pay Attention: How to register for sterling bank ussd and other transaction

Pay attention: How to check Standard Chartered Bank Nigeria account balance

How to Check Account Balance on Sterling Bank

You’ve got several easy ways to check your Sterling Bank account balance, whether you’re using a basic phone or a smartphone:

1. USSD Code (No Internet Needed)

Dial *822*6# from the phone number linked to your Sterling Bank account.
Enter your 4-digit USSD PIN when prompted.
Your account balance will appear on your screen.

If you haven’t registered for USSD banking, dial *822#, select the registration option, and follow the prompts to create your PIN.

2. Sterling OneBank Mobile App

Download the OneBank app from the Google Play Store or Apple App Store.
Log in with your credentials.
Your balance will be displayed on the home screen.

3. WhatsApp Banking (via Kiki)

Save +234 906 000 6449 to your contacts.
Send a message like “Hi” on WhatsApp.
Type “Balance” or “Bal” when prompted.
Kiki (Sterling’s virtual assistant) will reply with your account balance.

Read: How to check Polaris Bank account balance

ATM:

Visit any Sterling Bank ATM or a compatible ATM.
Insert your debit card and enter your PIN.
Select the “Balance Inquiry” option from the menu.
Your account balance will be displayed on the screen. You may also have the option to print a mini-statement.

Read; How to block Sterling Bank account and ATM card

How to get sterling bank statement of account

You can get your Sterling Bank statement of account through several convenient channels—whether you prefer mobile, USSD, or email. Here’s how:

Via OneBank Mobile App

Log in to the OneBank app.
Tap on the account you want the statement for.
Select “Statements” or “Transaction History.”
Choose your date range and tap Download or Email.

Via USSD (Mini Statement)

Dial *822# from your registered phone number.
Select the option for “Mini Statement.”
Enter your USSD PIN.
Your last 5 transactions will be sent to your email address on file.

> Make sure your email is correctly linked to your account. If not, you can update it at a Sterling Bank branch.

Via WhatsApp (Kiki)

Save +234 906 000 6449 to your contacts.
Send “Hi” on WhatsApp.
Follow the prompts and type “Statement” when asked.
Kiki will guide you through getting your statement.

Read; How to Register for Sterling Bank internet banking and Mobile App

How to transfer money from Sterling Bank account

You can transfer money from your Sterling Bank account using several convenient methods—whether you prefer USSD, mobile app, or internet banking. Here’s how:

1. USSD Code (No Internet Needed)

Dial *822*5*Amount*AccountNumber# (e.g., *822*5*1000*0123456789#)
Select the recipient’s bank.
Enter your 4-digit USSD PIN to confirm.

> This works on any phone and is available 24/7. Just make sure your number is linked to your Sterling account.

2. OneBank Mobile App

Download the OneBank app from the Google Play Store or Apple App Store.
Log in with your credentials.
Tap “Transfer” and choose:
- Sterling to Sterling
- Sterling to Other Banks
Enter the recipient’s details, amount, and PIN to complete.

3. Internet Banking

Visit Sterling Bank Internet Banking.
Log in and go to Transfers.
Choose the type of transfer and fill in the details.
Confirm with your OTP or token

How to buy airtime from Sterling Bank account

You can buy airtime from your Sterling Bank account in seconds—no internet required! Here are your best options:

1. USSD Code (Works on Any Phone)

To recharge your own line: Dial *822*Amount# Example: *822*500# to buy ₦500 airtime for yourself.
To recharge another number: Dial *822*Amount*PhoneNumber# Example: *822*500*08012345678# to send ₦500 to someone else.

Make sure you’re dialing from the phone number linked to your Sterling Bank account

2. OneBank Mobile App

Open the OneBank app (download it from the Play Store or App Store).
Log in and tap “Airtime” or “Buy Airtime”.
Enter the amount and phone number.
Confirm with your PIN or fingerprint.

3. WhatsApp Banking (Kiki)

Save +234 906 000 6449 to your contacts.
Send “Hi” on WhatsApp.
Type “Airtime” and follow the prompts.

How to block sterling bank account

If you need to block your Sterling Bank account—whether due to a lost phone, suspected fraud, or stolen card—you can do it instantly using USSD, even from another phone. Here’s how:

Block via USSD (Works on Any Phone)

Dial *822*911#.
Follow the prompts:
- Enter the phone number linked to your Sterling Bank account.
- Select the account number you want to block.
- Enter your 4-digit USSD PIN to confirm.

This will immediately block your account and prevent unauthorized access.

Alternative: Call Customer Support

Dial 0700 822 0000 to speak with a Sterling Bank representative.
Be ready to verify your identity (e.g., full name, date of birth, account number).

Contact Customer Care:

You can call Sterling Bank’s customer care hotline at 0700 822 0000.

Visit a Branch:

Go to your nearest Sterling Bank branch.
Inform a customer service representative that you want to block your account.
Provide necessary identification and account details.
Fill out any required forms to complete the process.

How to pay bills from sterling bank

Paying bills from your Sterling Bank account is quick and flexible—you can do it via USSD, mobile app, or even WhatsApp. Here’s how to handle it like a pro:

1. USSD Code (No Internet Needed)

Dial *822# on your registered phone.
Select “Bill Payments” from the menu.
Choose the type of bill (e.g., electricity, cable TV, internet).
Enter the biller details (like meter number or smartcard ID).
Input the amount and confirm with your USSD PIN.
You’ll receive a confirmation message once it’s successful.

> You can also use a direct format like: > *822*BillerCode*UniqueCode*Amount# > (e.g., for DSTV or PHCN payments)

2. OneBank Mobile App

Open the OneBank app.
Tap “Pay Bills” or “Bills & Utilities.”
Select the biller category (e.g., electricity, TV, internet).
Enter the customer ID, amount, and payment details.
Confirm with your PIN or fingerprint.

3. WhatsApp Banking (Kiki)

Save +234 906 000 6449 to your contacts.
Send “Hi” on WhatsApp.
Type “Pay Bills” and follow the prompts.

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I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences

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