How to register for Sterling bank ussd code and transaction

Sterling Bank’s USSD code is a revolutionary tool that brings banking services to the fingertips of their customers, enhancing convenience and accessibility like never before.

In an era where technology is rapidly transforming the banking landscape, Sterling Bank has leveraged the USSD code technology to ensure that customers can perform a wide range of financial transactions quickly, securely, and efficiently, without the need for internet access or a smartphone

This service is particularly beneficial in regions where internet connectivity is unreliable or for users who favor straightforward navigation over complex app interfaces.

The introduction of the USSD code by Sterling Bank signifies a major shift towards inclusive banking, ensuring that even traditionally underserved communities can access essential financial services with ease.  users can check their account balance, transfer funds, pay bills, recharge airtime, and perform many other transactions.

Read: How to register for Stanbic IBTC Bank USSD and contact customer care

Features and benefits of sterling bank ussd

Sterling Bank’s USSD service (822#)* is a fast, secure, and data-free way to manage your finances from any mobile phone. Whether you’re using a basic phone or a smartphone, here’s what makes it a game-changer:

Key Features

• Money Transfers: Send funds to Sterling or other Nigerian banks instantly
• Airtime & Data Purchase: Recharge for yourself or others
• Bill Payments: Pay for DSTV, electricity, subscriptions, and more
• Cardless Withdrawals: Withdraw cash from ATMs without your debit card
• Account Management: Check balances, view mini statements, and manage cards
• Merchant Payments: Pay directly at stores using USSD
• PIN Reset & Card Control: Change your PIN or block/unblock your card
• Account Opening: Open a new account directly from your phone
• Loan Services: Apply for quick loans and repay via USSD

Benefits

• No Internet Required: Works without data or Wi-Fi
• 24/7 Access: Available anytime, anywhere
• Speed & Simplicity: Transactions take less than 20 seconds
• Security: Protected by a unique transaction PIN
• Wide Network Support: Works on MTN, Airtel, Glo, and 9Mobile
• Low Fees: Minimal charges compared to other banking channels
• Self-Service: No need to visit a branch for most transactions
• Multi-Account Support: Automatically links all your Sterling accounts

Read:How to register for Polaris bank ussd and transfer

How To Register For Sterling Bank Ussd Code

Registering for Sterling Bank’s USSD service (822#)* is quick and can be done entirely from your mobile phone—no need to visit a branch or use internet data. Here’s how to get started:

 

Requirements

• A Sterling Bank account
• A mobile phone number linked to your account
• Your Sterling Bank debit card (for higher transaction limits)
• Any mobile device (smartphone or basic phone)

Registration Steps

1. *Dial *822# from your registered phone number
2. Select “1” for Registration
3. Enter your 10-digit account number
4. Provide your debit card details when prompted (to enable transfers above ₦20,000)
5. Create a 4-digit transaction PIN
6. Confirm your PIN to complete setup

Once registered, you can start using *822# for transfers, airtime, bill payments, and more!

Read: How to register and activate keystone bank ussd code

• To Sterling Bank: Dial *822*Amount*AccountNumber# Example: *822*5000*1234567890# to send ₦5,000
• To Other Banks: Dial *822*Amount*AccountNumber#, then select the recipient’s bank Example: *822*10000*01234

Airtime Purchase with *822#

Sterling Bank’s USSD platform also supports data purchases, though the exact format may vary depending on your mobile network. Typically:

• For Yourself: Dial *822*Amount# Example: *822*200# to recharge ₦200
• For Others: Dial *822*Amount*PhoneNumber# Example: *822*500*08012345678#

Data Purchase with *822#

Sterling Bank’s USSD platform also supports data purchases, though the exact format may vary depending on your mobile network. Typically:

1. Dial *822#
2. Select “Data Purchase” or “Buy Data” from the menu.
3. Choose your network provider (MTN, Airtel, Glo, 9Mobile).
4. Select a data bundle.
5. Confirm with your 4-digit USSD PIN.

Cardless ATM Withdrawals

You can withdraw cash from an ATM without your debit card using Sterling Bank’s Cardless Withdrawal feature via USSD. It’s super handy when you forget your card or want to send cash to someone without sharing card details

• Dial the USSD Code: Dial *822*42# from your registered mobile phone.
• Generate a Withdrawal Code:
  • Select the option to generate a token.
  • Enter the amount you want to withdraw (maximum ₦20,000).
  • Create a One-Time PIN (OTP).
  • Confirm with your 4-digit USSD PIN.
• Receive SMS Confirmation: You’ll get a transaction code via SMS.
• Visit a Quickteller-Enabled ATM:
  • Press “Enter” or “0” to begin.
  • Select “Cardless Withdrawal” or “Sterling Money.”
  • Input your phone number, the amount, and the transaction code.
  • Enter the OTP you created.
• Collect Your Cash

Read: How to register for First bank ussd code and requirements

Check Account Balance Account Balance from sterling bank ussd

To check your Sterling Bank account balance using USSD, here’s the quick and easy method:

Dial: *822*6#

• Enter Your 4-digit USSD PIN when prompted
•  Your current account balance will appear on your screen
• Fee: ₦10.05 (VAT inclusive) may be charged for this service

View Mini Statement (Recent Transactions)

While Sterling Bank’s USSD doesn’t directly offer a full mini statement, you can:

1. Use WhatsApp Banking:
   • Save +2349060006449 to your contacts.
   • Start a chat with “Hi” or “Hey”.
   • Type “Statement” to get your last 5 transactions.
2. Use the OneBank Mobile App:
   • Download from Google Play or Apple Store.
   • Log in and navigate to your account dashboard.
   • View recent transactions and download statements.

Sterling bank ussd PIN Reset

To reset your Sterling Bank USSD PIN, you can do it right from your mobile phone—no need to visit a branch. Here’s how:

1. Dial: *822# from your registered mobile number
2. Select: “PIN Reset” from the menu options
3. Verify: You may be asked to enter your account number or the last 4 digits of your Sterling Bank ATM card
4. Create New PIN: Enter a new 4-digit PIN
5. Confirm: Re-enter the new PIN to finalize the reset
6. Success: You’ll receive a confirmation message once it’s done

How to Open a New sterling bank Account via ussd

You can open a Sterling Bank account right from your mobile phone using USSD—no internet, no paperwork, just a few taps. Here’s how to do it:

1. Dial: *822*7# on your mobile phone (Make sure it’s the number you want linked to your new account)
2. Follow the Prompts:
   • Choose your preferred account type (e.g., savings)
   • Enter your full name and other required details
   • Set a 4-digit transaction PIN
3. Receive Confirmation: You’ll get an SMS with your new account number once registration is complete

 Requirements

• A mobile phone with a Nigerian SIM card
• No internet connection needed
• You don’t need an existing Sterling Bank account
• Works on all major networks: MTN, Airtel, Glo, 9Mobile