Sterling Bank of Nigeria has introduced a USSD code for customers to easily carry out financial transactions without the need for internet access. This innovative service allows customers to manage their accounts, transfer funds, purchase airtime, and pay bills all through their mobile phones.

This USSD code provides a convenient and secure way for customers to access their banking services on the go, making it easier for them to handle their financial needs without having to visit a bank branch.

The Bank’s USSD code for financial transactions is the simplicity and ease of use. Customers can simply dial the designated USSD code on their mobile phones and follow the prompts to navigate through various options and complete their transactions.

With just a few taps on *822#, customers can transfer money to friends and family, make bill payments, and manage their accounts without any hassle. This user-friendly platform ensures that customers can access their banking services quickly and efficiently, saving them time and effort.

Read:List of Union bank ussd code for transaction

Features:

• Account Management
  • Check Account Balance
  • View Mini Statement
  • Block/Unblock ATM Card
  • Change/Reset USSD PIN
• Transfers
  • Transfer Money to other Sterling Bank Accounts
  • Transfer Money to Other Banks
• Bill Payments
  • Pay Electricity Bills
  • Pay Cable TV Bills
  • Other Bill Payments
• Airtime Purchase:
  • Buy airtime for self or others
• Other Services
  • Open an Account
  • Apply for Quick Loans
  • BVN Enquiry
  • Request Account Statement
  • ATM/Branch Locator

Benefits

• Convenience:

  •  Access services without an internet connection.
  • 24/7 Availability: Use the service anytime, anywhere.
  • Simple and straightforward menu options.
  • Quick transaction processing and instant results.

• Accessibility:

  Can be used on basic feature phones and smartphones.

  •  Available to all Sterling Bank customers with a registered mobile number.

• Security:

  • Transactions are secured with your unique PIN.
  •  Allows you to block or unblock your card instantly.

• Cost-effectiveness:

  •  No need to worry about data consumption.
  • Minimal or no fees for many transactions

• Self-Service:

  • Empowers customers to manage their accounts independently without needing to visit a branch or rely on internet banking.

Pay attention: All uba ussd code for financial transaction

How to register for sterling bank ussd

There are two primary methods to register for Sterling Bank’s USSD banking service (*822#):

1. Automatic Registration

• For most existing Sterling Bank account holders with a registered mobile number, registration for the USSD service is automatic.
• You can simply dial *822# and start using the service. The system will usually prompt you to create a 4-digit PIN if you haven’t already done so. 

2. Manual Registration

If the automatic registration doesn’t work for you, or if you’re a new customer, you can register manually:

• Dial *8221*NUBAN# (Replace NUBAN with your 10-digit Sterling Bank account number).
• Follow the on-screen prompts. You might be asked to provide some additional details for verification, such as your date of birth or debit card information.
• Create a 4-digit PIN that you’ll use for USSD transactions  
• You’ll receive a confirmation message once your registration is successful.

How to transfer money from sterling bank

To transfer money from your Sterling Bank account using USSD, follow these steps:

1. *Dial *822# from your registered mobile phone.
2. From the main menu, choose the option for “Transfers.”
3. You’ll be presented with options to transfer to:
   • Sterling Bank accounts
   • Other banks in Nigeria
4. Enter Recipient Details:
   • If transferring to another Sterling Bank account:
     • Enter the recipient’s 10-digit Sterling Bank account number.
   • If transferring to another bank:
     • Select the recipient’s bank from the list provided.
     • Enter the recipient’s account number.
5. Input the amount of money you wish to transfer.
6.  Carefully review the recipient’s account details and the transfer amount.
7.  Enter your 4-digit USSD PIN to authorize the transfer.
8. You will receive a confirmation message on your screen once the transfer is successful. You might also receive an SMS notification.

Read also: How to Transfer money from Sterling Bank-Easy guide

How to buy airtime from sterling bank

To buy airtime from Sterling Bank using USSD, follow these steps:

1. *Dial *822# on your registered mobile phone.
2. From the main menu, choose the option for “Airtime Top-up.”
3. Select either “Self” to recharge your own line or “Others” to buy airtime for someone else. 
4.  Input the amount of airtime you want to purchase.
5. Enter Recipient’s Number (if applicable): If you’re buying airtime for someone else, enter their 11-digit phone number.
6.  Review the details (amount, phone number) and confirm the transaction.
7. Enter your 4-digit USSD banking PIN to authorize the purchase.
8.  You will receive a confirmation message on your screen once the airtime purchase is successful. You might also receive an SMS notification.

Also read: How to check Sterling Bank account balance

How to pay bills from sterling bank

Sterling Bank offers several convenient methods for you to pay your bills:

1. Sterling OneBank Mobile App 

This is a user-friendly method if you have a smartphone and the app installed.

• Log in to the Sterling OneBank Mobile app. 
• Navigate to the “Bills Payment” or a similar section within the app.
• Select the biller category (e.g., Electricity, Cable TV, Internet).
• Choose the specific biller and enter the required details (e.g., customer ID, account number, smartcard number).
• Enter the amount you wish to pay.
• Confirm the transaction with your PIN or biometrics.
• The bill will be paid instantly.

*2. USSD Code (822#)

This is a quick and easy option, particularly useful if you don’t have internet access.

• Dial *822# from your registered mobile number 
• Follow the prompts to select “Bill Payments”
• Choose the biller category and then the specific biller.
• Enter the required details and amount.
• Confirm the transaction with your PIN.

3. Internet Banking (PolarisDirect)

Suitable for those who prefer using a computer.

• Log in to your PolarisDirect internet banking account.
• Go to the “Payments” or “Bill Payments” section.
• Select the biller category and choose the specific biller.
• Provide the necessary details and enter the payment amount.
• Authorize the transaction using your token or other security measures.

4. ATM

• Visit any Sterling Bank ATM.
• Insert your debit card and enter your PIN.
• Select “Bill Payment” or a similar option from the menu.
• Choose the biller category and the specific biller.
• Enter the required details and amount.
• Confirm the transaction.

5. Branch Visit:

• If you prefer in-person assistance or have a complex bill payment.
• Visit your nearest Sterling Bank branch.
• Inform a customer service representative that you want to pay a bill.
• Provide the biller details and payment amount.
• Complete the transaction with their assistance.

Read: How to block Sterling Bank account and ATM card

How to check sterling bank account balance

There are several convenient ways to check your Sterling Bank account balance:

1. USSD Code:

• Dial *822*6# from your registered mobile number.
• Your account balance will be displayed on your screen.

2. Sterling OneBank Mobile App:

• Download and install the Sterling OneBank Mobile app from your app store (Google Play Store or Apple App Store).
• Log in to the app using your credentials.
• Your account balance should be prominently displayed on the dashboard or home screen.

3. Internet Banking:

• Visit the Sterling Bank Online Banking website.
• Log in using your User ID and password.
• Your account balance should be readily visible on the dashboard or account summary page.

4. ATM:

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

How to Reset sterling bank ussd PIN

You can reset your Sterling Bank USSD PIN by dialing the following code:

• *Dial 822# from your registered mobile number.
•  Choose the option for “PIN Reset” from the menu.
• You may be asked to enter your 10-digit account number and other details for verification.
•  Once verified, you’ll be prompted to create a new 4-digit USSD PIN.

How to Block & Manage sterling bank Card

To block or manage your Sterling Bank card via USSD, follow these steps:

Blocking your Sterling Bank Card

1. Dial *822*911# from any phone (it doesn’t have to be your registered number).
2. Select option 2: “Block Card”.
3. Enter your Sterling Bank NUBAN Account Number. (This is your 10-digit account number)
4. Enter your registered phone number.
5. Select the card you want to block. (You can block one or all cards linked to your account)
6. Enter your transaction PIN to confirm

Managing Your Card

While you can’t perform all card management functions via USSD, you can do the following:

• Block/Unblock Card: As explained above, you can temporarily block and unblock your card using 822911#.
• Get Card Status: You can check the status of your card (active or blocked) by dialing 8226# and navigating through the menu options.

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

Botton Line

Sterling Bank’s USSD service for financial transactions has been a game-changer in the Nigerian banking industry. It has provided customers with a convenient, secure, and cost-effective way to manage their finances, while also enhancing accessibility and user experience. As technology continues to evolve, Sterling Bank remains committed to providing innovative solutions that meet the needs of its customers and simplify their banking experience.

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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.

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