List of Sterling Bank USSD Code & Transfer Code (2024)

  • December 13, 2023

STERLING Bank CODE: This post contains information about the Sterling Bank Ussd code and also the Sterling Bank transfer code.

These include what it is, how to register and activate it, the list of all the USSD codes for Sterling Bank’s various transactions, and lots more.

Sterling Bank, one of the leading commercial banks in Nigeria, offers a USSD code service that allows its customers to perform banking transactions from the comfort of their mobile phones.

This service has not only made banking more convenient but has also enhanced financial inclusion in Nigeria by reaching out to the unbanked and underbanked population. 

So, if you’re in need of the Sterling Bank code to transfer money, check balance, buy airtime, pay bills, or do something else on your Sterling Bank account, join me and let’s explore this post together!

What is the Sterling Bank USSD Code?

The USSD code for Sterling Bank transactions is *822#. With this code, Sterling Bank customers can manage various banking tasks, such as checking account balances, transferring funds, and more, right from their mobile phones.

Once registered and activated, this code can be used to access a range of services, including:

  1. Opening an account
  2. Checking your account balance
  3. Transferring money to other Sterling Bank accounts
  4. Transferring money to other banks in Nigeria
  5. Recharging your phone
  6. Paying bills
  7. Buying airtime for yourself or others
  8. Checking your BVN

While this code can perform all these transactions, you need to activate it before it can be used.

See Also:
How to Transfer Money from Sterling Bank
How to Check Sterling Bank Account Balance

List of All Sterling Bank USSD Codes

Here’s the list of all the Sterling Bank code:

TransactionsUSSD Codes
Check Balance*822*6#
Transfer to Sterling Bank/Other Banks*822*Amount*AccountNumber#
Airtime Top-Up for Self*822*AMOUNT#
Airtime Top-Up for Others*822*AMOUNT*Phone Number#
Pay Bills*822*2#
Cardless Withdrawal*822*42#
Open Account*822*7#
Check Account Number*822*8#
Card Management*822*19#
Pay Merchant*822*28*AMOUNT*MERCHANT CODE#
LCC Toll Payment*822*15#
Retrieve BVN*565*0#

Related: List of All USSD Code for OPay

How to Register & Activate Sterling Bank USSD Code

Here’s the step-by-step guide to activating the USSD code for Sterling Bank:

  1. Using the phone number registered with your account, *822*1*Account Number#
  2. Then follow the on-screen instructions to activate the code and set up your new PIN for USSD transactions.

Once all the steps above are completed, the transfer code for Sterling Bank will be activated on your phone. You can now use it for your banking transactions.

How to Use Sterling Bank Code

To use the USSD code for Sterling Bank, you will need to have a mobile phone with a SIM card registered with Sterling Bank, and already activated. Once you have these, follow these simple steps:

  1. Dial *822# on your registered mobile phone number linked to your Sterling Bank account.
  2. Select the appropriate option for the transaction you want to perform.
  3. Follow the prompts to input the required details such as the amount to transfer, beneficiary account number, etc.
  4. Confirm the details you have entered are correct and then enter your Sterling Bank USSD PIN or the last 4 digits on your ATM card to authorize the transaction.

There are also shortcodes to perform quick and direct transactions on your Sterling Bank account. Check them out in the list below.

Using the Sterling Bank USSD Code for Specific Transactions: Step-By-Step Guide

Sterling Bank USSD Code for Checking Balance

*822*6# is the Sterling Bank code to check your account balance. Once dialed, enter your PIN, and the money you have left in your Sterling Bank account will be displayed on your screen.

Read Also: List of Ecobank USSD Code & Activation

Sterling Bank USSD Transfer Code

*822*Amount*Account Number# is the Sterling USSD code to transfer money from Sterling Bank to Sterling Bank as well as the Sterling Bank transfer code to other banks. Once dialed, select the recipient’s bank, and enter your PIN to authorize the transfer.

e.g if you want to send N12000 to 8888899999 (GT Bank account number) simply dial *822*12000*8888899999#.

Sterling Bank USSD Code for Opening an Account

*822*7# is the USSD code for Sterling Bank account opening. After dialing, accept the mobile banking terms and continue following the prompts to create an account with Sterling Bank.

Sterling Bank Code for Buying Airtime

*822*Amount# is the Sterling Bank code to buy airtime for yourself (SIM linked with your Sterling Bank account). While *822*Amount*Phone Number# is the code to buy airtime for other numbers/sims.

E.g if you want to recharge N500 for yourself, simply dial *822*500# and your line will be credited with a N500 recharge card. If you want to recharge another line 09011112222 (your other lines or for friends and/or family) with N500, just dial, *822*500*09011112222#, then enter your PIN to authorize the transaction.

See Also: How to Activate Stanbic Bank USSD Code

Sterling Bank USSD Code for Withdrawal

*822*42# is the USSD code for Sterling Bank’s cardless withdrawal. Just dial the code and follow the prompts.

Sterling Bank USSD Code for Bill Payments

*822*2# is the USSD code for sterling bank bill payments. After dialing, select your biller and follow the screen instructions, then enter your PIN to complete the transaction.

Sterling Bank BVN USSD Code

*565*0# is the Sterling Bank code to get/retrieve your BVN.

Sterling Bank USSD Code to Block ATM Card

*822*19# is the USSD code to block your Sterling Bank ATM debit card. After dialing, select the “Hotlist Card” option.

USSD Sterling Bank Code to Block Account

*822*911# is the USSD code on Sterling Bank for deactivating your account. Just dial the code and follow the screen option.

Related: List of the Best Loan Apps in Nigeria

What is USSD?

USSD stands for Unstructured Supplementary Service Data. It is a technology used by mobile network operators to send and receive text messages between a mobile phone and an application on the network.

USSD codes are shortcodes that begin with an asterisk (*) and end with a hash (#) and are used to access services provided by a mobile network operator or third-party service provider.

USSD codes are widely used by banks to provide mobile banking services to their customers. Customers can use USSD codes to check their account balances, transfer funds, pay bills, and perform other banking transactions directly from their mobile phones.

Related: How to Activate Unity Bank USSD Code

Benefits of Using Sterling Bank Transfer Code

Using the Sterling Bank USSD code has several benefits, including:

  1. Convenience: With the USSD code, you can perform transactions from anywhere, at any time, using your mobile phone. You don’t need to visit a bank branch or ATM.
  2. Accessibility: The Sterling Bank USSD code is easy to use and accessible to all Sterling Bank customers who have registered for the service, regardless of their location or network provider.
  3. Speed: Transactions using the USSD code are usually processed instantly, allowing you to save time and complete transactions quickly.
  4. Security: The USSD transfer code for Sterling bank is a secure method of banking as it requires you to enter your PIN to confirm transactions, ensuring that your account is protected from unauthorized access.
  5. Cost-effective: The USSD code is a cost-effective method of banking as it attracts lower transaction charges compared to other banking methods such as ATM withdrawals or branch transactions.
  6. Wide range of services: With the Sterling USSD code, you can access a wide range of services such as account balance inquiry, funds transfer, airtime recharge, bill payments, and more, making it a versatile banking solution.

Sterling Bank Code 2023 – FAQs

What is the new USSD code for Sterling Bank?

*822# is the new USSD code for Sterling Bank. This code can be used to perform any mobile banking transactions on a registered number.

What is the Sterling Bank Transfer Code to Other Banks?

*822*Amount*Account Number# is the Sterling Bank USSD transfer code to other banks.

How do I set up Sterling Bank mobile banking?

You can at up your Sterling Bank USSD mobile banking by simply dialing *822# using the phone number/line linked to your Sterling Bank bank account, and following the prompts.

How can I check my Sterling Bank details?

You can check your Sterling Bank details on your phone by dialing *822*6#, then selecting option 4 and your Sterling Bank Bank details including account balance, will appear on your screen.

How do I check my Sterling Bank USSD transaction history?

You can check your Sterling Bank USSD transaction history by simply dialing *822*6#.

Is there a charge for using the Sterling Bank USSD code?

Yes, there is a charge for using the Sterling Bank USSD code. The cost of using the USSD code varies depending on the service being used. However, the charges are generally lower than those for other banking methods.


Sterling Bank USSD codes are a convenient and secure way to Sterling Banking services in Nigeria. With the Sterling 822 code, customers can perform a variety of tasks, including checking their account balance, transferring money, and paying bills. Using the Sterling Bank code is easy and accessible, and it can save you time and money. If you have a mobile phone and a registered Sterling Bank account, you should consider using the USSD code to Sterling Banking services.