How to block Sterling Bank account and ATM card

How to block your Sterling Bank account and ATM card – Sterling Bank is one of the leading banking institutions in Nigeria, offering a variety of financial services to its customers. One of these services includes card issuance. However, there are times when customers may need to block their ATM card and account due to reasons such as a lost or stolen card or phone.

Sterling Bank offers multiple methods to block your account or ATM card quickly and efficiently, ensuring your financial safety in case of loss, theft, or suspected fraudulent activity.

Blocking the ATM card and account is essential to prevent unauthorized access and safeguard the customer’s funds and personal information. This is a vital step to take if the card has been lost or stolen, or if any suspicious activities are noticed in the account.

This article will outline the steps to block a Sterling Bank ATM card and account, as well as the important reasons why this action may be necessary

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Reasons why you decide to block your bank account

In today’s digital age, the security of our financial assets is paramount. There are several compelling reasons why you might decide to block your bank account, with fraud prevention being at the forefront. If you suspect unauthorized access or notice suspicious transactions, blocking your account can be a crucial step in protecting your funds and personal information from potential theft or misuse

There are several reasons why someone might choose to block their own bank account:

Lost or stolen card: If your debit or credit card is lost or stolen, blocking the associated account is a crucial step to prevent unauthorized transactions.
Suspected fraudulent activity: If you notice unusual transactions on your account or suspect that your account information has been compromised, blocking the account can help mitigate potential losses.
Security concerns: In cases where you suspect your online banking credentials have been compromised, blocking your account can provide a temporary safeguard while you change your passwords and investigate the issue.
Travel: If you’re traveling and concerned about the security of your card or account, blocking it temporarily can provide peace of mind and prevent unauthorized access in case your card is lost or stolen.
Dispute with the bank: In rare cases, if you have a major dispute with your bank and are unable to resolve it, you might choose to block your account as a last resort while you seek alternative banking options.
Budgeting or self-control: Some individuals might temporarily block their account to curb impulsive spending or adhere to a strict budget.

Also read: How to register for sterling bank ussd and other transaction

How to Block Sterling Bank Account/ATM Card

The most immediate way to block your Sterling Bank ATM card is by using the USSD code *822*911#. This method is available 24/7 and doesn’t require an internet connection, making it ideal for emergencies. Simply dial this code from the phone number registered with your account, and your card will be blocked instantly. This quick action can prevent unauthorized transactions if your card is lost or stolen

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For those who prefer digital solutions, Sterling Bank provides online options to block your account or ATM card. Through the bank’s internet banking platform, you can log in to your account, navigate to the ‘Cards’ section, select the card you wish to block, and confirm the action. Similarly, the Sterling Bank mobile app offers a user-friendly interface where you can manage your cards, including blocking them when necessary. These digital methods provide convenience and control over your account security

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You can block your Sterling Bank account or ATM card using the following methods:

1. USSD Code:

Dial *822*911# from your registered mobile number and follow the prompts.

2. Sterling Mobile App:

Log in to the Sterling Mobile app.
Go to the “Card Management” section.
Select the card you want to block and follow the instructions.

3. Sterling Online:

Log in to your Sterling Online account.
Go to the “Self Service” section.
Select “Block/Unblock Debit Card.”
Choose the account and follow the instructions.

4. Customer Service:

If you prefer speaking with a representative, Sterling Bank offers customer service support for blocking your account or ATM card. The primary contact numbers are 0700 783 75464 for local calls and +234 1 448 4481 for international callers. These lines are staffed with trained professionals who can assist you in blocking your card after verifying your identity. For customers in different regions, additional numbers are available for after-hours assistance and during business hours

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Frequently Asked Questions

Q: Why would I need to block my Sterling Bank account or ATM card?

A: You might need to block your card or account if:

Your card is lost or stolen.
You suspect unauthorized transactions.
Your card is damaged and not working properly.
You want to prevent further use of your card or account.

Q: Can I block my account and ATM card separately?

A: Yes, you can choose to block either your account, ATM card, or both, depending on your situation and needs.

Q: How long does it take to block a Sterling Bank card or account?

A: Blocking your card or account is usually instantaneous through the mobile app or USSD code. However, it might take a bit longer if you contact customer care or visit a branch.

Q: Will I be able to unblock my card or account later?

A: In most cases, yes. You can unblock your card or account through the same channels you used to block it. However, if your card was reported as stolen, you might need to request a replacement.

Q: Is there a fee for blocking or unblocking my Sterling Bank card or account?

A: Sterling Bank typically does not charge for blocking or unblocking your card or account. However, it’s always best to confirm with their customer service.

Q: What should I do if I suspect fraudulent activity on my account?

A: If you suspect fraudulent activity, block your card immediately and contact Sterling Bank customer care as soon as possible.

Conclusion

In situations where you’ve lost your ATM card or suspect it’s been stolen, immediate action is crucial. Besides using the methods mentioned above, you can also visit the nearest Sterling Bank branch in person. Bring a valid form of identification, and a bank representative will assist you in deactivating your card and initiating the process for a replacement. This option is particularly useful if you need additional support or have concerns about your account security.

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.