USSD Code for Sterling Bank makes banking seamless for its users. Hearing about Sterling Bank for the first time? Sterling Bank, formerly known as NAL Bank, is a licensed commercial bank regulated by the CBN and has been serving Nigerians for over 60 years. Mobile banking in Nigeria continues to grow because it is fast, simple, and doesn’t require internet access.

In this detailed guide, you will learn everything you need to know about Sterling Bank’s USSD banking. From how to activate it, perform transfers, buy airtime, pay bills, to understanding daily limits, charges, troubleshooting tips, and frequently asked questions — we’ve got you covered.

If you’re searching for “USSD code for Sterling Bank,” “how to use Sterling Bank USSD,” or “Sterling Bank mobile banking without internet,” this article has all the answers you need.

What Is the USSD Code for Sterling Bank?

The official USSD code for Sterling Bank is *822#.

This code enables you to perform everyday banking transactions directly from your mobile phone, without requiring data or visiting a bank branch.

With *822#, you can:

• Check your account balance
  
• Transfer money to Sterling and other banks.
  
• Buy airtime and data.
  
• Pay bills
  
• Open an account
  
• Block your card
  
• Update your account
  
• Manage your PIN and security.y
  

This service is compatible with MTN, Airtel, Glo, and 9Mobile, and is available 24/7.

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Full List of Sterling Bank USSD Codes With Examples

Below is a complete list of USSD codes for Sterling Bank to perform various transactions.

Function	USSD Code	Description / Example
Balance Enquiry	*822*6#	Shows your current account balance instantly.
Transfer Money	*822*Amount*AccountNumber#	Transfer to any Sterling or Nigerian bank account. Example: *822*5000*0123456789#
Airtime Recharge (Self)	*822*Amount#	Recharge your own phone. Example: *822*200#
Airtime Recharge (Other)	*822*Amount*PhoneNumber#	Recharge another number. Example: *822*500*08123456789#
Buy Data	Dial *822# → Select Buy Data	Purchase data for your number.
Open Bank Account	*822*7#	Open a new Sterling Bank account instantly.
Block ATM Card	*822*911#	Block your card if lost, stolen, or compromised.
Pay Bills	Dial *822# → Select Bills	Pay DSTV, GOTV, Startimes, Electricity, etc.
Check BVN	*565*0#	Check your BVN. SA small network charge may apply.
Change/Reset PIN	Dial *822# → PIN Setup / Reset	Change or reset your USSD banking PIN.

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How to Activate and Register Sterling Bank USSD Code (*822#)

Before you can use the USSD code, you must activate or register it. Follow these steps to do that swiftly:

1. Dial *822# on the phone number linked to your Sterling Bank account.
   
2. Choose Register.
   
3. Enter your Sterling Bank account number.
   
4. Create your 4-digit transaction PIN.
   
5. Confirm the PIN.
   

After this, your USSD banking is ready.

Requirements for Using Sterling Bank USSD Banking

To use *822#, ensure the following:

• The phone number must be registered and linked to your Sterling Bank account.
  
• You must have a minimum balance of ₦10 to ₦20 (network fees).
  
• Your SIM must be active.
  
• Works on any phone—Smartphone or non-smartphone.

Daily Transaction Limits on Sterling Bank USSD

Sterling Bank has specific limits for security reasons:

• Daily Transfer Limit: Usually around ₦100,000 (can be increased through the bank app or by visiting a branch).
  
• Daily Airtime Limit: Up to ₦5,000 using USSD.
  
• Bill Payment Limits: Varies by service (Electricity, TV, etc.).
  

If you need higher limits, the app or bank branch is required.

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Common Problems & Solutions (When *822# Is Not Working)

Sometimes customers may face USSD issues. In case you find yourself in that situation, here are the most common reasons and how to fix them:

1. Connection error or Request failed

• Weak signal
  
• Try again or move to a location with a better network.

2. USSD says the number is not linked to the account

• Your phone number is not the one used during account registration
  
• Visit any Sterling Bank branch to update your number

3. Incorrect PIN

• Reset your PIN by dialing *822# → PIN Reset

4. Debit card or account not active

• Ensure your card is active
  
• If expired, renew it at any branch

5. Bank or network downtime

• Try again later
  
• If urgent, use the mobile app or internet banking

Security Tips When Using Sterling Bank USSD

To protect your money, follow these security practices:

• Never share your USSD PIN with anyone, not even bank staff.
  
• Dial codes manually instead of clicking USSD links from SMS.
  
• If your phone is stolen or you suspect any fraudulent activity, immediately block USSD using *822*911#
  
• Do not save your PIN on your phone or in a contact name.
  
• Always verify the bank name before transferring.
  

These tips protect you from fraud and unauthorized access.

FAQs About Sterling Bank USSD Codes

• What is the official Sterling Bank USSD code?
  The official code is *822#.
  
• Can USSD work without an ATM card?
  Yes. You do not need an ATM card to activate USSD banking.
  
• *Which network supports 822#?
  MTN, Airtel, Glo, and 9Mobile.
  
• How do I activate Sterling Bank USSD on a new phone number?
  Update your phone number at any Sterling Bank branch.
  
• How do I increase my transfer limit?
  Use the Sterling Bank mobile app or visit a branch.

Conclusion

The Sterling Bank USSD code is one of the quickest ways to perform banking transactions without needing internet access. Whether you want to check your balance, transfer money, buy airtime, or pay bills, the *822# code makes banking fast, easy, and accessible from any phone. By following this guide, you can now use every feature of Sterling Bank USSD confidently and securely.