Sterling bank ussd code: How to register or reset Pin- transfer money, buy airtime and pay bills

Sterling bank has continue to take advantage of financial technologies and adoption of electronic payments to enhance how they service their numerous customers through the uses of Automated Teller Machine transactions, USSD code, online banking, electronic bills payments, Remita, Point of Sale payments and Mobile banking.

Your one-customer bank” is a full service national commercial bank in Nigeria.Since the introduction of sterling bank ussd code, customers can now carry out their transaction from their comfort zone, any where and any place without visiting the banking hall.

With Sterling bank Unstructured Supplementary Service Data (USSD) code,depositors can now transfer money, pay bills, buy airtime and access your account, among other features anywhere.

You can also read:Sterling bank ussd code to buy Data and Airtime

The bank ussd code service is seamless, fast, secure and reliable and it doesn’t require internet connection and work with any kind of mobile phone.The service is available to all Telco (Airtel, Glo, MTN, 9Mobile)

In our today discussion, we shall take a look at how to register or Reset sterling bank ussd code.


USSD stands for Unstructured Supplementary Service Data. It allows Sterling Bank customers have access to basic financial services by simply dialing *822#.


What is the Benefits of using sterling bank *822#

The following are reasons why you need to enroll for sterling bank ussd code:

1. Automatically links all accounts, where customer has multiple accounts
2. Self-service registration.
3. Customer can pay regular bills and utilities seamlessly
4. Does not require mobile data or internet.
5. It works with any kind of mobile device
6. Easy, simple, fast and convenient


How can I register for sterling bank ussd code Service?

1.Firstly,Customer is required to create transaction PIN for secure transactions if you are an account holder by dialing *822*1*NUBAN# OR the system automatically prompts you to register when you try any transaction.

2. Create a PIN to enable you access the Intra and Inter Bank transfer services on the USSD platform.

3.You are required to set and confirm your PIN (4-digit) at the point of registration. This PIN is personal and should be kept safe. can create a PIN 2 using your debit card, if you wish to transfer above N20,000 per transaction.

Please note: Corporate account holders are not eligible for this service and you don;t need to have Airtime on your phone during registration process.


What is the maximum amount I can transfer?


You can transfer up to N20,000 per transaction with PIN 1, and up to N100,000 per transaction with PIN 2, with a daily limit of N100,000 for savings and current account

Sterling Bank: how to check statement of account, transfer, BVN update and buy airtime through Whatsapp

What is the maximum amount of airtime i can buy?


You can buy up to N20,000 airtime in a single purchase, and N20,000 limit per day.


How to reset sterling bank ussd code PIN using *822#?

To change your PIN, in case your PIN been compromised,Or have you forgotten your transaction PIN? simply dial *822#, select Pin Reset.


HOW TO PAY BILLS with sterling bank ussd code?

To pay a bill as sterling bank customers, simply dial *822*BillerCode*UniqueCode*Amount# or *simply *822*2# to see different billers.

From your phone, dial *822*881099*41234567890*10650# to pay for a ₦10650 DStv plan


HOW TO TRANSFER money with sterling bank ussd code:

To transfer funds as sterling bank customers,simply dial *822*Amount*AccountNumber#

Dial *822*20000*0071234567# to transfer ₦20,000. Follow the prompts to verify details and complete transaction with transaction PIN.


How do buy airtime/recharge card with sterling bank ussd code *822#?

Sterling bank customers can easily buy airtime from their bank using ussd code

Also read: How to open sterling bank account online and various account type package

HOW TO buy airtime/recharge card for self:

To recharge your phone dial *822*AMOUNT#

From your phone, dial *822*1000# to recharge ₦1000 on your phone

HOW TO buy airtime/recharge card FOR A FRIEND/FAMILY

To send airtime to a third party, dial *822*AMOUNT*PhoneNumber#

Dial *822*1000*08123456789# from your mobile phone to recharge your friend’s phone with ₦1000 airtime

You may also like:Sterling Bank: How to Transfer Money, check account balance


How to check sterling bank account balance and account number


To check sterling bank account number using ussd code simply dial: *822*8#

On the other hand to check for your sterling Account Balance using ussd code simply dial: *822*6#

HOW TO CARRY OUT CARDLESS WITHDRAWAL with sterling bank *822#?

Sterling bank has unveiled their cardless withdrawal  without having debit card with you.We all know how frustrating it is when you get to the ATM and find out you forgot your card at home. With Dial4Cash, you don’t need a card to withdraw money from the ATM. It’s easy, seamless and secure.

Sterling bank customers can get cash at the ATM without using your debit card and the process is Easy means to send cash to friends and family, without compromising your debit card information. This service is available 24/7 on all quickteller enabled ATMs.


In need of cash and you are not with your sterling bank debit card? Simply dial *822*42# to withdraw money from sterling bank without  debit card  which know as cardless withdrawal



From your phone, dial *822*42# and follow the prompts to create a one-time PIN (OTP). Enter your transaction pin for confirmation, a code will be sent to your mobile number via SMS.

At the ATM, enter the code, amount and the One Time Pin created, to get your cash.

1. Please note: Transaction limit for sterling bank cardless withdrawal is N20,000.

2. It Works with phone numbers registered with customer’s Sterling Bank account.

3. Value is debited directly from your STERLING account.
4. Reliable network at customer location is required to access service.


How to open an account with sterling bank *822#?

News or old customers can now open an account with sterling bank by dialing *822*7# and follow the onscreen prompts., and get your account number instantly.  This type of Sterling bank account has the following features

1.Maximum single deposit of N20,000
2. Maximum cumulative balance of N200,000 at any point in time
3. Maximum transaction limit of N3,000 and daily limit of N30,000
4. No airtime or data needed to open an account


What is the maximum amount I can transfer with sterling bank ussd ?

Sterling bank customers can transfer up to N20,000 per transaction with PIN 1, and up to N100,000 per transaction with PIN 2, with a daily limit of N100,000 for savings and current account.


Sterling bank transfer Charges

Customers bank customers will be charge for Transfer as stated below:

– within Sterling – N21 (VAT inclusive)
Other banks – N52.50 (VAT inclusive)
Check account balance – N10.05 (VAT inclusive)
Retrieve account number – N10.05(VAT inclusive)

Bill Payment – N105 (VAT inclusive)

Merchant Payment – N20.NG

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