Sterling Bank Mobile Banking and USSD Code

Mobile banking is the real deal now because of the convenience and how fast it is to use it. Every bank in Nigeria now has the platform of using the USSD platform coupled with the mobile bank App. For this post, we will look at one of the top banks in Nigeria which is Sterling Bank. The post will explain what is the USSD code of Sterling Bank and what services you get to use with it. 

Sterling Bank USSD code

If you are not familiar with the term USSD code, it is the code that gives you access to services. In the case of banks, they provide this unique number to their customers, creating access to manage and perform transactions on their accounts. The unique code for Sterling bank is *822#.

Also, check out The Securities and Exchange Commission.

Why Bank Users Need To Use The USSD Code

The use of USSD code is a trendy phenomenon among bank customers not only Sterling bank customers because of the benefits. The benefits you stand to gain include.

Unnecessary queueing at the bank

Before the introduction of the USSD code, customers went to the bank for almost everything. Now, the case is different with the adoption of the USSD code. You can save time and avoid stress by just using the USSD code. 

Convenience

If there is one thing that you can appreciate about the use of the USSD code is the convenience you enjoy. You can use it anywhere and anytime when you want to access the services

Cheap to use

To use the USSD code, you do not need to have an internet connection. That is one of the advantages of the use of bank apps. The only fee attached to it is the bank charges attached to some services available on the platform.

Works on all mobile devices

You do not need a special mobile device to access the service. You can use the service regardless of the type and brand of phone you use.

No need for special registration

The registration process is simple and fast. You do not need to visit the bank to complete the registration as everything can be done on the phone.

What can you do with the Sterling Bank Code? 

The following things you can do with the Sterling bank code are:

• Transfer of funds
• Buying Airtime 
• Pay Bills
• Check Available Balance 
• Make Cardless Withdrawal 
• Open an Account 
• Make Merchant Payment

How to transfer funds with Sterling bank code 

You can send money from your bank accounts to anyone to who you wish to send it. All you need is their account number and the bank name for the transaction. To do this, dial *822*Amount*Account Number#

The Amount is the total sum of money you wish to send while the Account Number is the receiver’s account number. 

The daily transaction limit when you are using the sterling bank USSD code is N20 000. However, you can increase your limit to N100,000 but you need another PIN which pins 2. You create the first PIN at the point of registration and PIN 2 when you wish to increase your limit.

Buy Airtime 

Similar to other banks’ USDD codes, you can buy airtime with the Sterling bank USSD code. You can recharge up to N20,000 daily which is the maximum limit. 

To recharge airtime on your phone, Dial *822*Amount#. Use the format if you want to recharge your phone. However, if you wish to recharge another person’s phone, the format is different. You need to dial *822*Amount*PhoneNumber#. For security reasons, you will need to input your secret pin to confirm that you initiate the transfer.

Pay Bills 

Another possibility with the Sterling bank code is the ability to use the service to pay for bills such as electricity, DSTV, betting funds, subscriptions, and many more. 

To pay for your bills with the Sterling bank code simply use this format. Dial *822*BillerCode*UniqueCode*Amount#

The biller code is the designated code for each agent or company that you want to pay bills. 

The unique code is the code that is peculiar to you as a customer of the company to which you want to pay bills. The code helps to uniquely identify you as a company of that company. 

However, if you do not know the biller code. You can simply dial *822#. In the displayed options, choose pay bills then you will get a list of options of available companies you can pay bills to. Choose your preferred option and follow the next set of commands to complete the process.

Also, check out Access Bank USSD Code.

How to use Sterling Bank to Check Available Balance 

You can check your remaining balance irrespective of the type of account you hold with Sterling bank.

To check your account balance, dial *822*6#. A notification will be sent to your phone where you will see the remaining balance in your account. 

How to check your account number with Sterling bank code 

You can check your account number with your sterling bank code by dialing *822*8#

How to use Sterling Bank Code to make a cardless withdrawal

Cardless withdrawal is when you wish to make a withdrawal from the ATM without your card. So anytime you forget your ATM, be rest assured that you can still make a withdrawal with the Sterling bank code.

To make a cardless withdrawal, dial *822*42#. Supply the correct information to the prompts. The system will generate an OTP (one-time password) for you. Authenticate the transaction by entering your secret pin. You will receive a secret code as an SMS. 

Visit the nearest ATM, input the secret code, the OTP, and the amount wish you want to withdraw. Know that you cannot withdraw beyond N20 000 for a cardless withdrawal.

How to open an account with the Sterling bank code

To use the Sterling bank code to open an account with Sterling bank, dial *822*7#. You will need to fill in the required information. 

How to use Sterling bank code to make merchant payment 

You can make payments to merchants using the Sterling bank code using the following formats

The format below is for merchants registered with Sterling bank

• *822*28*Amount*Merchant code# 
• This format below is for merchants registered with Coral Pay
• *822*000*RefNo# 
• This format below for MCash Merchants
• *822*22*Sellercode*Amount# 

To make merchant payments you can request their codes.

Final Notes on Sterling Mobile Banking

The Sterling bank code *822# is an efficient code used to access a couple of services. You can learn more about how to use this code to access these services by going through this post.

Before you go, check out Fidelity Bank Transfer Code.