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Transfer Code for Sterling Bank: USSD Code for Sterling Bank For Transfers, Check Account Balance, Purchase Airtime and Data, Borrow Loans

Hey dear, have you heard of the Sterling bank magic USSD CODE? You might be wondering if that’s true, yes, it’s. It is simply *822#

With just a few taps on your phone, you can transfer money to anyone, anywhere in Nigeria. It’s like having a personal banker in your pocket.

The USSD code is like a portal to the Sterling Bank universe. With it, you can check your balance, pay bills, buy airtime, and even invest in stocks. It’s like having a whole bank at your fingertips.

What is a USSD Code?

Before I go into the Sterling Bank USSD code for transfers, it’s essential to understand what a USSD code is. USSD stands for Unstructured Supplementary Service Data, and it is a technology that allows communication between a mobile device and a service provider’s computer system through a series of interactive menus. USSD codes are easy to use, as they do not require internet access and can be used on any type of mobile phone, making them a popular choice for banking transactions.

Benefits of Using Sterling Bank USSD Code

There are some benefits offered by Sterling Bank’s USSD code, some of them include; 

1. Accessibility: USSD codes are available 24/7, ensuring you can perform transactions at any time, even beyond traditional banking hours.

2. Speed and Convenience: With USSD codes, you can initiate transactions quickly and effortlessly, reducing the time spent on banking tasks.

3. No Internet Required: Unlike mobile banking apps, USSD codes do not rely on internet connectivity, making them accessible to customers without smartphones or data plans.

4. Enhanced Security: Sterling Bank ensures the security of your transactions by implementing various authentication measures for USSD transactions.

How to Register for Sterling Bank USSD Banking

To begin using Sterling Bank’s USSD code for banking services, you need to register your mobile number with the bank. Here’s a simple step-by-step process:

Step 1: Dial *822# on Your Registered Mobile Number

To initiate the registration process, dial *822# on your mobile phone. Make sure you are dialing from the phone number linked to your Sterling Bank account.

Step 2: Select “Register”

Upon dialing *822#, a menu will appear with various options. Choose the “Register” option to proceed with the registration.

Step 3: Enter Your Sterling Bank Account Number

Next, you will be prompted to enter your Sterling Bank account number. Input the correct account number and press “Send” or “OK.”

Step 4: Create a 4-Digit PIN

To secure your USSD transactions, you need to create a 4-digit PIN. Choose a PIN that is easy for you to remember but hard for others to guess.

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Step 5: Confirm Your PIN

After creating your PIN, you will be asked to confirm it by re-entering the same 4-digit code.

Step 6: Transaction Successful

Congratulations! Your registration is complete, and you can now start using Sterling Bank’s USSD code for various banking transactions.

How to Transfer Money Using Sterling Bank USSD Code

Transferring money using Sterling Bank’s USSD code is a breeze. Follow these steps:

Step 1: Dial *822# on Your Mobile Phone

To initiate a transfer, dial *822# from your registered mobile number.

Step 2: Select “Transfer”

From the menu options that appear, choose the “Transfer” option.

Step 3: Select Beneficiary’s Bank

Next, select the recipient’s bank from the list of partner banks.

Step 4: Enter the Beneficiary’s Account Number

Input the correct account number of the person you wish to send money to and press “Send” or “OK.”

Step 5: Enter Amount

Enter the amount you want to transfer and confirm the transaction details.

Step 6: Enter Your USSD PIN

To authorize the transaction, enter your 4-digit USSD PIN.

Step 7: Transaction Complete

Once you enter the correct PIN, the transfer will be successfully processed, and you will receive a confirmation message.

Sterling Bank USSD Code For Transfers, Check Account Balance, Purchase Airtime and Data, Borrow Loans

Apart from funds transfer, Sterling Bank’s USSD code allows you to perform various other transactions, including:

Airtime Purchase: Recharge your mobile phone or that of a family member by dialing *822*Amount*Phone Number#.

Account Balance Check: To check your account balance, simply dial *822*6#.

Bill Payments: Pay bills such as electricity, cable TV, and more through the USSD code.

Mini Statement: Obtain a mini statement of your recent transactions by dialing *822*5#.


In conclusion, The Sterling Bank Transfer Code is like a magic Rod that can instantly transfer money from one account to another. With just a few taps on your phone, you can send money to your friends, family, or business partners, no matter where they are in the world.

So next time you need to transfer money, don’t reach for your checkbook or drive to the bank. Just dial *822# and let the magic of the Sterling Bank Transfer Code work its wonders.


What is the USSD code for Sterling bank transfer?

The USSD code for Sterling bank transfer is *822#. You can use this code to transfer money to any Sterling Bank account or to any other bank account in Nigeria. To transfer money, simply dial *822#, followed by the amount you want to transfer, the recipient’s account number, and your transaction PIN. For example, to transfer ₦7,000 to the account number 1122587665550, you would dial *822*7000*1122587665550#.

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Why is Sterling bank USSD code not working?

There are a few reasons why your Sterling Bank USSD code might not be working. Here are some of the most common reasons:

You are not registered for the USSD service. If you are not registered for the USSD service, you will not be able to use the USSD code to access any of the Sterling Bank’s USSD services. You can register for the USSD service by dialing 8221*Account Number#.

Your transaction PIN is incorrect. If you enter your transaction PIN incorrectly, you will not be able to complete the transaction. Make sure that you enter your PIN correctly.

Your phone network is down. If your phone network is down, you will not be able to access the USSD service. Check your phone network to make sure that it is working properly.

There is a problem with the Sterling Bank’s USSD system. If there is a problem with the Sterling Bank’s USSD system, you will not be able to use the USSD code. You can check the Sterling Bank’s website or social media pages to see if there is any information about a problem with the USSD system.

How do I check my Sterling bank account balance with USSD code?

To check your Sterling bank account balance with USSD code, you can follow these steps:

  • Dial *822# on your phone.
  • Select 6 from the list of options.
  • Enter the last 4 digits of your Mastercard number or your USSD banking PIN.
  • Press # to confirm.
  • You will receive a message with your account balance.

How can I use Sterling bank on Whatsapp?

You can use Sterling Bank on WhatsApp by chatting with Kiki, the bank’s chatbot. Kiki can help you with a variety of banking tasks, including:

  • Checking your account balance
  • Transferring money
  • Paying bills
  • Opening a new account
  • Resolving disputes
  • Getting help with other banking services
  • To chat with Kiki, simply save the number 0906 000 6449 to your phone’s contacts and start a chat. You can also access Kiki through the Sterling Bank website or the OneBank app.

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