Sterling Bank USSD Code For All Transactions – *822#

Sterling Bank USSD Code presents customers with a convenient and efficient way to perform banking transactions. This product allows users to access various banking services such as airtime recharge, transfers, bill payments, and more, directly from any mobile device without requiring data or an internet connection. With its speed, ease of use, and reliability, Sterling *822# USSD service offers a seamless banking experience to customers.

Registration and Availability

Getting started with Sterling *822# USSD service is a self-service process. Customers can register by simply dialing *822# on their mobile devices. Here are some important details about the service:

  • Available to all Telco providers (Airtel, Glo, MTN, 9Mobile).
  • Customers can transact directly from their Sterling Bank account.
  • A reliable network connection at the customer’s location is necessary to access the service.
  • Accessible 24 hours a day, 7 days a week.
  • Customers can purchase airtime, pay bills, and make transfers to any bank account in Nigeria.
  • A transaction PIN must be created by the customer to ensure secure transactions.
  • The default transaction limit at registration is N20,000.
  • Customers can increase their limit up to a maximum of N100,000 per transaction using their debit card.
  • Higher limits (above N20,000 up to N100,000) require an additional PIN for transactions.

Sterling Bank USSD Code For Airtime

Recharging your phone has never been easier. With Sterling *822#, you can recharge your phone anytime and anywhere. Here’s how:


Dial *822*AMOUNT# from your phone. For example, dial *822*500# to recharge ₦500 on your phone.

How to Fund bet9ja account with Sterling Bank USSD Code

Dial *822*24*Amount*Bet9ja ID#

Also Read:

Recharge for a friend/family

Dial *822*AMOUNT*PhoneNumber# to send airtime to a third party. For example, dial *822*500*08123456789# to recharge your friend’s phone with ₦500 airtime.

Sterling Bank USSD Transfer Code

Transfer funds conveniently to any bank in Nigeria using Sterling *822#. Follow these steps:

  • Dial *822*Amount*AccountNumber# to transfer funds. For example, dial *822*20000*0071234567# to transfer ₦20,000. Verify the details and complete the transaction with your transaction PIN.

Bill Payments with Sterling USSD Code

Make hassle-free bill payments using Sterling *822#. Whether it’s DSTV, electricity, or other subscriptions, you can easily pay your bills. Here’s how:

  • Dial *822*BillerCode*UniqueCode*Amount# or simply *822*2# to view different billers. For example, dial *822*8810994*1234567890*10650# to pay for a ₦10,650 DStv plan.

Sterling Bank Cardless Withdrawal Code

Need cash but don’t have your debit card? No worries!

  • Dial *822*42# to perform a cardless withdrawal.

Managing Your Cards

Manage your debit cards effortlessly with Sterling *822#. Here are some key features:

Disable or enable the channel or country option

Dial *822*19# and select card management.

How to activate Sterling card after pick up

Dial *822*19# and select card activation.

How to Change Sterling Bank card PIN instantly

Dial *822*19# and select pin change.

How to Reset Sterling Card PIN and Check Balance

If you need to reset your PIN or check your balance, follow these steps:

Change your PIN

  • Dial *822#, and select pin reset.

Check your account number

  • Dial *822*8#.

Check your account balance

  • Dial *822*6#.

How to Open Sterling Account with USSD

Interested in opening an account with Sterling Bank? It’s a breeze with Sterling *822#. Simply dial 8227# and follow the onscreen prompts.

Payments to Merchants and LCC Toll

Sterling *822# makes it convenient to pay profiled merchants or LCC tolls. Use the following codes:

  • Sterling registered merchants: Dial 82228AMOUNTMERCHANTCODE#.
  • Coral Pay registered merchants: Dial 822000*RefNo#.
  • MCash merchants (Coming Soon): Dial 82222SellercodeAmount#.

Sterling Bank Charges

It’s important to be aware of the charges associated with Sterling *822# transactions. Here is an overview:

  • Transfer within Sterling Bank: N21 (VAT inclusive).
  • Transfer to 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.

Experience the Magic of Sterling *822# USSD service for simplified banking. Enjoy the convenience, security, and accessibility it offers. For any inquiries or assistance, you can reach out to Sterling Bank’s customer support channels.

  • Call: 07008220000
  • Email:

Discover a new level of banking convenience with Sterling *822#. Sterling Bank is committed to providing exceptional financial services to meet your needs.

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