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How to Upgrade Your Sterling Bank Account Easily (Online & Offline) in Nigeria

Are you a Sterling Bank customer in Nigeria looking to upgrade your account? Upgrading your account can unlock a world of benefits, from higher interest rates to exclusive features and perks. Whether you prefer the convenience of online banking or the personal touch of an in-branch experience, this comprehensive guide will walk you through the step-by-step process of how to upgrade your Sterling Bank account, both online and offline in Nigeria.

As a long-standing financial institution in Nigeria, Sterling Bank understands the evolving needs of its customers. By providing a seamless account upgrade experience, the bank empowers its clients to tailor their banking solutions to their specific financial goals and lifestyle requirements. In this article, we’ll delve into the key reasons why you should consider upgrading your Sterling Bank account, the step-by-step instructions for navigating the process online and offline, and answer some frequently asked questions to ensure a smooth and informed transition.

Reasons to Upgrade Your Sterling Bank Account

1 Increased Interest Rates

One of the primary motivations for upgrading your Sterling Bank account is the opportunity to earn higher interest rates on your deposits. By moving to a premium account, you can potentially maximize your savings and watch your money grow at a faster pace. This is particularly beneficial for individuals or businesses looking to generate passive income and build their wealth over time.

The interest rates offered by Sterling Bank on their upgraded account options can vary, but they are typically significantly higher than the rates on their more basic account tiers. For example, the bank’s Premium Savings Account may offer an interest rate of up to 5% per annum, compared to a standard Savings Account with a rate of just 3% per annum. The exact rates will depend on the specific account type you choose, your account balance, and any promotional offers or special rates that may be available.

2. Enhanced Features and Capabilities

Upgrading your Sterling Bank account unlocks a suite of advanced features and capabilities that can greatly enhance your banking experience. These may include:

3. Increased Transaction Limits

Premium Sterling Bank accounts often come with higher transaction limits, allowing you to move larger sums of money with greater flexibility. This can be particularly useful for business owners, high-net-worth individuals, or those who frequently engage in large financial transactions.

4. Access to Exclusive Financial Products and Services

Upgraded accounts may grant you access to a wider range of financial products and services, such as investment options, wealth management solutions, and specialized lending programs. This can provide you with more comprehensive financial tools to achieve your short-term and long-term goals.

5. Personalized Customer Support and Concierge Services

With an upgraded Sterling Bank account, you may be eligible for dedicated customer support and even a personal concierge service. This can include priority assistance, customized financial advice, and dedicated support for complex banking needs.

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Sterling Bank’s premium account options often come with enhanced digital banking capabilities, such as a more robust mobile app, seamless online account management, and advanced transaction monitoring and security features.

How to Upgrade Your Sterling Bank Account Online

Go the Sterling Bank Website

The first step in upgrading your account online is to visit the Sterling Bank website at www.sterling.ng. From the homepage, locate the “Personal” or “Business” tab, depending on the type of account you currently hold.

Choose Account Upgrade Options

Once you’ve navigated to the appropriate section, you’ll find a comprehensive list of available account upgrade options. Carefully review the features, benefits, and eligibility criteria of each account type to determine which one best suits your financial needs and goals.

Gather Required Information

Before you can initiate the upgrade process, you’ll need to have the following information readily available:

  • Your current Sterling Bank account number
  • Personal identification documents (e.g., national ID, driver’s license, or passport)
  • Proof of income or financial statements, if applicable

Gathering this information in advance will streamline the upgrade process and ensure a smooth transition to your new account.

Once you’ve reviewed the account options and gathered the necessary information, locate the “Upgrade Account” or “Apply Now” button on the Sterling Bank website. Click on this button and follow the on-screen instructions to begin the account upgrade process.

To ensure the security of your account, Sterling Bank may require additional verification steps. This may involve submitting copies of your identification documents, providing personal or financial information, or even participating in a video call with a customer service representative. Be prepared to comply with these verification requirements to avoid any delays in the upgrade process.

Activating Your Upgraded Account

After your upgrade request is approved, your new account will be activated, and you’ll be able to enjoy the enhanced features and benefits immediately. 

You may receive a welcome kit or additional information from Sterling Bank regarding your upgraded account, so be sure to review these materials carefully and familiarize yourself with the new account details and capabilities.

How to Upgrade Your Sterling Bank Account Offline

Visiting a Sterling Bank Branch

For those who prefer a more personalized approach, you can also upgrade your Sterling Bank account by visiting a nearby branch. This option may be particularly useful for individuals with complex financial needs or those who require additional guidance throughout the upgrade process.

Locating a Convenient Branch

To find the nearest Sterling Bank branch that offers account upgrade services, you can utilize the branch locator feature on the bank’s website or mobile app. This will provide you with the address, contact information, and operating hours of the closest branch.

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Preparing the Necessary Documents

Before your branch visit, be sure to gather the same information and documentation required for the online upgrade process, such as your current account details, identification documents, and proof of income. Having these materials readily available will help expedite the in-person upgrade procedure.

Meeting with a Customer Service Representative

When you arrive at the Sterling Bank branch, inform the customer service representative that you’d like to upgrade your account. They will guide you through the process, answer any questions you may have, and assist with the necessary paperwork and verification steps.

Completing the Upgrade

The Sterling Bank representative will work with you to complete the account upgrade process. This may involve updating your personal and financial information, setting up any new features or services, and providing you with a confirmation of the upgraded account.

Once the upgrade is finalized, you’ll receive your new account details, such as the account number, debit card, and any other relevant information. Be sure to keep these details safe and accessible for future transactions and account management.


Upgrading your Sterling Bank account in Nigeria can be a transformative experience, empowering you to maximize your financial potential and unlock a world of enhanced banking benefits. Whether you choose to upgrade your account online or visit a branch in person, the process is designed to be straightforward and tailored to your specific needs.

By taking advantage of the increased interest rates, advanced features, and improved prestige that come with an upgraded Sterling Bank account, you can optimize your banking experience and better align your financial tools with your evolving goals. Remember to gather the necessary information, follow the step-by-step process, and don’t hesitate to reach out to Sterling Bank’s customer support if you have any questions or concerns along the way.

Embrace the opportunities that an upgraded Sterling Bank account can bring and start enjoying the rewards of your enhanced banking experience today.


How do I increase my sterling bank transfer limit?

To increase your Sterling Bank transfer limit, you can liaise with your Relationship Manager or visit a branch to enhance it beyond N10,000,000. Alternatively, you can email a duly signed instruction on your company letterhead to request an increase. 

How do I activate my USSD for Sterling bank?

To activate your USSD for Sterling Bank, dial *822*1*Account Number# on your phone and follow the on-screen prompts to create a unique 4-digit USSD PIN. Remember to keep your PIN secure and not share it with anyone for secure transactions.

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