Sterling Bank: USSD Codes, mobile banking, contacts & more

Sterling Bank is the first merchant bank in Nigeria when it was established in 1960. Today, it has more than 1 million customers, 770+ ATMs, 3,000+ POS terminals, and over 3,000 employees spread across 189 business offices.

In this article, we’ve outlined everything you need to know about Sterling Bank and the financial products and services it provides. You will also learn about Sterling loans, mobile banking, USSD codes, and lots more.

An overview of Sterling Bank

  • 1960: Started banking operations as Nigeria Acceptances Limited (NAL)
  • 1974: Managed in partnership with Grind lays Bank Limited, Continental International Finance Company Illinois, and American Express Bank Limited.
  • 1992: Listed as a public company on the Nigerian Stock Exchange (NSE).
  • 2000: The Nigerian government sold NAL Bank, thereby making it fully privatized.
  • 2006: Magnum Trust Bank, NBM, Trust Bank of Africa, Indo-Nigeria Merchant Bank (INMB), and NAL Bank. These 5 banks came together to become what we all know as Sterling Bank.
  • 2012: Assimilated the entire business interest of the defunct Equatorial Trust Bank (ETB).

As of the moment of writing this, Sterling Bank has over 1 million customers, 770+ ATMs, 3,000+ POS terminals, 3,000+ employees and 189 business offices.

Sterling Bank internet banking

Do you know that you can make use of Sterling Bank on a web browser? All you have to do is signup for internet banking with your account details or BVN.

Registration for Sterling internet banking

Here’s the link to register

If you’re an existing customer, then you should indicate that and provide your account number. If you don’t have an account with Sterling Bank yet, click on the second option, provide your BVN and follow the prompts.

Login to Sterling internet banking

After creating your internet banking account, you can log in to the portal through the link here. 

Sterling Bank mobile banking (Sterling OneBank)

Powered by Sterling Bank, OneBank is a completely digital app that allows both existing and new customers to register and bank. You can send money, make payments, invest, obtain loans and do many other things with the mobile app.

How to download the Sterling OneBank app


You can download and install Sterling OneBank from the Google Play Store. It has a small size of 48 MB and over 500,000 downloads. It currently has a review rating of 3.5 from over 9,000 users.


If you’re using an iPhone device, you can download and install Sterling OneBank Mobile from the Apple App Store.

Sterling Bank USSD Banking

Sterling Bank’s USSD code is *822#. You can access this code from any network, including MTN, Airtel, GLO and 9Mobile. You should dial the code on the phone number linked to your bank account.

USSD transfer code

To transfer funds, dial *822*Amount*AccountNumber# and follow the prompts.

USSD airtime recharge

  • Buy airtime for the number linked to your account: *822*AMOUNT# 
  • Buy airtime for another number: *822*AMOUNT*PhoneNumber#

Pay bills using Sterling USSD code

  • Specific bill payments: Dial 822*BillerCode*UniqueCode*Amount#
  • See all the available billers: *822*2#

Other codes

  • Registration – *822*1*NUBAN#
  • Transfer-within – *822*4*Amt*NUBAN#
  • Transfer to other Banks – *822*5*Amt*NUBAN#
  • Account Balance – *822*6#
  • Open Account – *822*7#
  • My Account(s) – *822*8#

Sterling Bank customer care

If you have any complaints or enquiries, you can always get in touch with Sterling Bank. They have customer support staff that will attend to you.

Customer care number

  • (+234) 07008220000
  • 01-4484481
  • 01-8888822



Sterling Bank head office address

Sterling Bank has a head office in Nigeria where they manage the banking services they offer. You can also visit the head office if you have any complaints or enquiries, wish to open a new bank account physically or obtain a loan.

The head office is situated at Sterling Towers, 20 Marina, Lagos Island, Lagos, Nigeria.

Sterling Bank financial products, services and account types

Current Accounts

Sterling Bank provides flexible bank accounts that grant customers various banking services. You can select from any of the current account types and start banking the way you want to.

See the various types of Current Accounts here


Looking for fast banking services, but not much of a regular spender? In need of a bank account to save part of your monthly income?

Sterling Bank has many Savings accounts and services that will not only help you save money, but also let you earn small interest periodically.

Go through Sterling Bank Savings’ Accounts and Services

Credit cards

One of the financial products offered by Sterling Bank is the credit card. A credit card allows access to a revolving line of credit.

You can use this card to shop on credit against your salary payments and other income. Here are the Credit Cards available to Sterling Bank’s customers.


Are you the type of person that invests against rainy days? Or do you just like investing in general?

Whichever one it is, Sterling Bank has many Investment products and services that you can select from. Customers can invest short-term or long-term and earn up to 100% interest.

Learn more about Sterling Bank Investment products and services

Sterling Bank loans

Specta by Sterling

Powered by Sterling Bank, Specta is an online lending platform that lends eligible users personal and quick loans. The loan amount can be as large as 5 Million in one transaction.

The loan will be sent to your bank account within a short while, without requiring collateral, paperwork or physical presence in a Sterling Bank office.

Here’s a detailed guide on how to get instant personal loans on Specta by Sterling

Import Finance

Here’s a type of business loan offered by Sterling Bank. The Import Finance Facility assists importers to bring in industrial goods, raw materials and consumer products. They can borrow funds and pay them back later.


Sterling Bank’s overdraft facility enables eligible customers to cater for their planned and sudden expenses. 

Project Finance

If you’re about to launch a new project or you’re in the middle of an existing one, you can always reach out to Sterling Bank. If your proposal is worthy of their investment, they can form a partnership with you and provide the funding you need.

How to apply for Sterling Bank loans


Sterling Bank has a website where you can see all information about them on the web and learn more about their services. The website is

Sterling Bank Swift Code information

A SWIFT code is a set of 8 or 11 digits that represents a bank branch. You’ll need to use one when sending money internationally.

Bank NameSterling Bank Plc
Bank AddressSterling Towers, 20 Marina, Lagos Island, Lagos, Nigeria

Branch locations

We’re now in a digital world, as many things can be done on the internet. The same can be said for locating a Sterling Bank branch in Nigeria. Just click on the link here to see all branch locations in the country.

Don't miss a thing. Follow us on Telegram and Follow us on WhatsApp. If you love videos then also Subscribe to our YouTube ChannelWe are on Twitter as MakeMoneyDotNG.

Victor Iyiola

Victor Iyiola

Victor Iyiola is a Content Writer with He has a great passion for Business, Finance, and Entrepreneurial topics. Victor is a big fan of
Blogspot and WordPress.

Articles: 171

Leave a Reply

Your email address will not be published. Required fields are marked *