Banking services

Transfer Code For Sterling Bank: Ussd Code For Sterling Bank

In a system where convenience and efficiency are important, Sterling Bank has embraced technology to make banking transactions easier for its customers. We will delve into the world of Sterling Bank’s USSD codes, providing you with all the information you need to seamlessly transfer funds, check your account balance, and perform various banking tasks using your mobile phone.

Whether you’re a Sterling Bank customer or simply looking to explore the world of mobile banking, this guide is your gateway to hassle-free financial management. Let’s get started!

What Is a USSD Code?

Before we dive into the specifics of Sterling Bank’s USSD code, let’s first understand what a USSD code is. USSD stands for Unstructured Supplementary Service Data, and it is a technology that allows you to access various services through your mobile phone. It’s a menu-based system that doesn’t require an internet connection and is widely used for mobile banking, prepaid mobile top-ups, and other value-added services.

Sterling Bank USSD Code Overview

Sterling Bank’s USSD code is *822#. This simple code acts as a gateway to a world of banking services right at your fingertips. By dialing *822# on your mobile phone, you gain access to a menu that lets you perform a wide range of banking transactions conveniently. These transactions include fund transfers, balance inquiries, airtime top-ups, bill payments, and much more.

Benefits of Using Sterling Bank USSD Code

The Sterling Bank USSD code (*822#) offers several benefits to its customers, including:

Convenience: USSD can be accessed from any mobile phone, regardless of the network provider or internet access. This makes it a convenient way to bank on the go, even in remote areas.

Speed: USSD transactions are typically processed within seconds. This is a significant advantage over traditional banking methods, such as visiting a branch or using an ATM.

Security: USSD transactions are secured by a PIN, which helps to protect customers from fraud.

24/7 availability: USSD banking is available 24 hours a day, 7 days a week. This gives customers the flexibility to bank whenever it is convenient for them.

Account balance checks: Customers can check their account balance at any time using the USSD code.

Funds transfer: Customers can transfer funds to other Sterling Bank accounts, as well as to accounts at other banks in Nigeria.

Airtime and data purchase: Customers can purchase airtime and data for themselves and others using the USSD code.

Bill payments: Customers can pay their bills, such as utility bills and cable TV bills, using the USSD code.

How to Register for Sterling Bank USSD Code

To get started with Sterling Bank’s USSD code, you need to register your mobile number with the bank. Here’s how you can do it:

1. Dial *822# on your registered phone number.

2. Follow the on-screen prompts to create a PIN.

3. You will receive a confirmation message once your registration is successful.

4. You are now ready to start using the USSD code for Sterling Bank.

Using Sterling Bank USSD Code for Fund Transfers

One of the most common and essential features of the Sterling Bank USSD code is the ability to transfer funds. To transfer money to another Sterling Bank account or a different bank, follow these steps:

1. Dial *822# on your registered mobile number.

2. Select “Transfer Money.”

3. Choose the destination bank.

4. Enter the recipient’s account number.

5. Input the amount you want to transfer.

6. Confirm the transaction with your PIN.

Checking Your Account Balance

You can also use the Sterling Bank USSD code to check your account balance without the need to visit a bank branch or ATM. To do so, simply dial *822# and select the option for “Check Account Balance.” You’ll receive a text message with your account balance details right on your mobile phone.

Airtime Top-Up and Other Services

Apart from fund transfers and balance inquiries, the USSD code for Sterling Bank allows you to top up your mobile phone with airtime and pay bills such as electricity, cable TV, and more. These features make it a versatile tool for managing your financial affairs on the go.

Security Measures and Tips

While using the Sterling Bank USSD code is convenient, it’s crucial to prioritize the security of your financial transactions. Here are some tips to keep your mobile banking experience safe:

• Never share your USSD PIN with anyone.

• Use strong, unique PINs.

• Be cautious when using the code in public places.

• Regularly check your transaction history for any unauthorized activities.

Summary Of All USSD Code For Sterling Bank

Here is a list of all the USSD codes for Sterling Bank Nigeria:

*822# – Access Sterling Bank services menu

*822*0# – Generate transfer PIN

*822*1*1# – Change transfer PIN

• *822*amount# – Airtime purchase

• *822*Amount*Account number*Bank code# – Transfer to account in another bank

*822*Amount*Account number# – Transfer to Sterling Bank account

*822*3# – Transfer to beneficiary

*822*4# – Check account balance

*822*5# – View the last 5 transactions

*822*6# – Make transfers

*822*7# – Stop cheque

*822*8# – Get a mini statement

*822*9# – Block account

*822*10# – Account status inquiry

*822*11# – Get loan details

*822*12# – Report lost/stolen card

*822*13# – Trade alert activation

*822*14# – Airtime top-up

*822*15# – Change transaction PIN

The main USSD code is *822# and then you select options for different services. The most used ones are for balance checks, airtime, transfers, and changing PINs.

Frequently Asked Questions

Is there a fee for using the USSD code?

There is a nominal fee associated with using the USSD code for some transactions. It’s essential to check Sterling Bank’s official website or contact their customer service for the latest fee structure.

What happens if I forget my USSD PIN?

If you forget your USSD PIN, you can reset it by following the prompts when dialing *822#. You’ll need to answer security questions to verify your identity.

Can I use the USSD code on any mobile phone?

Yes, you can use the USSD code on any mobile phone, regardless of the make or model, as long as it is capable of making calls and sending text messages.

How do I change my registered mobile number with Sterling Bank?

To change your registered mobile number, visit the nearest Sterling Bank branch and follow the bank’s procedures for updating your contact information.

How do I transfer money from Sterling Bank to another bank?

To transfer money from Sterling Bank to another bank, dial *822# select option 6 for Transfers, then select option 2 for Transfers to Other Banks. You will be prompted to enter the beneficiary bank, account number, and amount to transfer.

Is there a limit on the amount I can transfer from Sterling Bank to another bank?

Yes, there is a daily transfer limit of N1,000,000 for individual customers and N5,000,000 for corporate customers on transfers to other banks.

How long does it take for a transfer from Sterling Bank to reflect in the beneficiary bank?

Transfers from Sterling Bank to other banks are reflected in the beneficiary bank within 24 hours.

Can I transfer money from Sterling Bank to international bank accounts?

Yes, you can transfer money from your Sterling Bank account to international bank accounts. This can be done at Sterling Bank branches.

Fixing Common Issues

While the Sterling Bank USSD code is designed to be user-friendly, you may encounter some issues from time to time. Here are some common problems and their solutions:

Network Connectivity Issues: If you’re in an area with poor network connectivity, you may experience delays or failures in USSD transactions. Ensure you’re in an area with a stable network signal.

Incorrect PIN: Make sure you enter your USSD PIN correctly. After a few unsuccessful attempts, your account may get locked for security reasons.

Transaction Delays: Sometimes, USSD transactions may experience delays. If you don’t receive a confirmation message, it’s advisable to check your transaction history and contact customer support if necessary.


In a world that’s becoming increasingly digital, the Sterling Bank USSD code is a valuable tool that empowers customers to manage their finances with ease. Its convenience, availability, and security features make it a reliable choice for everyday banking needs. Whether you want to transfer money, check your balance, or pay bills, the USSD code for Sterling Bank has you covered. Register today and experience the future of banking at your fingertips.

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