Sterling Bank USSD Transfer Code

Sterling Bank *822# code is the USSD service. This product provides banking services such as airtime recharge, transfers, bill payments and more to our customers from any mobile device without data or internet connection. It is fast, easy and very convenient to use. This service is secure, reliable and provides seamless banking experience to our customers. Registration is completely self-service, just dial *822# today to experience the Magic.


What is Sterling bank USSD Service?

USSD stands for Unstructured Supplementary Service Data. It allows Sterling Bank customers have access to basic financial services by simply dialing *822#.


Benefits of using Sterling bank USSD CODE   *822#

  • Automatically links all accounts, where customer has multiple accounts
  • Self-service registration.
  • Customer can pay regular bills and utilities seamlessly
  • Does not require mobile data or internet.
  • It works with any kind of mobile device
  • Easy, simple, fast and convenient
  • Features of *822#
  • The service is available to all Telco (Airtel, Glo, MTN, 9Mobile).
  • Customers transact directly from their Sterling account.
  • Reliable network at customer location is required to access service.
  • Available 24 hours a day and 7 days a week
  • Customers can purchase airtime, pay bills, make transfers to any bank account in Nigeria.
  • Customer is required to create transaction PIN for secure transactions.
  • Default limit at registration is N20,000.
  • Customers who wish to increase their limit can do so with their debit card, to a maximum of N100,000 per transaction.
  • An additional PIN is required to transact with higher limits (Above N20,000 up to N100,000).

How do I recharge with *822#?

You can easily recharge your phone line at any time and from anywhere using Sterling’s *822#. It is easy, fast and convenient.


How To Do Self-Recharge:

To recharge your phone dial *822*AMOUNT#

Example: From your phone, dial *822*500# to recharge ?500 on your phone

How To Recharge For A Friend/Family

To send airtime to a third party, dial  *822*AMOUNT*PhoneNumber#

Example: Dial *822*500*08123456789# from your mobile phone to recharge your friend’s phone with ?500 airtime

How do I transfer funds with *822#?

Transfer funds using 822 anywhere, anytime and to any bank in Nigeria.

How to transfer:

To transfer funds,

Simply dial  *822*Amount*AccountNumber#

Example: Dial *822*20000*0071234567# to transfer ?20,000. Follow the prompts to verify details and complete transaction with transaction PIN.


Are there features of transferring funds with *822#?


  • Default transfer transaction limit is N20,000, and daily limit is N100,000.
  • Customer can transfer up to N100,000 by creating a new PIN.
  • Works with phone numbers registered with customer’s Sterling Bank account.
  • Value is debited directly from your STERLING account.
  • Reliable network at customer location is required to access service.
  • *822# Dial4Cash


How do I pay bills with *822#?

Its stressful enough to work daily so you can afford to sort your bills, why should it be stressful to pay those bills? Sterling 822 is making your bill payment needs one less thing to worry about. Pay your DSTV, electricity, subscriptions and many more with Sterling *822#



To pay a bill, dial *822*BillerCode*UniqueCode*Amount# or *simply *822*2# to see different billers.

Example: From your phone, dial *822*881099*41234567890*10650# to pay for a ?10650 DStv plan

How do I make card-less withdrawals with *822#?

We all know how frustrating it is when you get to the ATM and find out you forgot your card at home. With Dial4Cash, you don’t need a card to withdraw money from the ATM. It’s easy, seamless and secure.



In need of cash and you are not with your debit card? Simply dial *822*42#

Example: From your phone, dial *822*42# and follow the prompts to create a one-time PIN (OTP). Enter your transaction pin for confirmation, a code will be sent to your mobile number via SMS.

At the ATM, enter the code, amount and the One Time Pin created, to get your cash. Are there benefits to using card-less withdrawals with *822#?


  • Get cash at the ATM without using your debit card.
  • Easy means to send cash to friends and family, without compromising your debit card information.
  • This service is available 24/7 on all quick teller enabled ATMs.


  • Transaction limit for cardless withdrawal is N20,000.
  • Works with phone numbers registered with customer’s Sterling Bank account.
  • Value is debited directly from your STERLING account.
  • Reliable network at customer location is required to access service.

How do I manage my cards with *822#?

Are you travelling and you need your debit card to work in your destination country? Sterling’s card management feature enables you to manage the channels (POS, ATM, WEB) you want your debit card to function, and the country where you want the card enabled/disabled. This service also enables you change PIN and activate your debit card instantly.



Dial *822*19# and select card management, to either to Disable or Enable channel or Country option

Dial *822*19# and select Card activation to activate your debit card after pick up.

Dial *822*19# and select Pin Change to change your debit card Pin instantly.

Example: Travelling to the United States? Dial *822*19# and select the country you wish to enable/disable the card for.

Want to curb a spending habit? Dial *822*19# and select the channels you wish to disable and enable your cards for.

Do you feel your PIN has been compromised, and you can’t quickly get to an ATM?

No worries, dial *822*19# to instantly change your card PIN.

Are there benefits with managing my cards with *822#?


  • Easily control how your debit card works from your convenience.
  • Save the trip to the bank to enable your cards in certain countries when you are travelling.
  • This service is enabled/disabled instantly, and the process is within 20 seconds.
  • This service is available 24/7 to USSD registered customers.


  • All debit card tied to customers profile will be displayed.
  • Works with phone numbers registered with customer’s USSD service.
  • Customer enters USSD transaction PIN to conclude transaction (N:B not card PIN)
  • Reliable network at customer location is required to access service.

How do I reset my PIN using *822#?

Has your PIN been compromised? Or have you forgotten your transaction PIN? Yes? Alright, you can easily reset your USSD transaction PIN with this service.



To change your PIN, dial *822#,

 select Pin Reset

This would successfully allow you change your PIN

Can I check my balance with *822#?

You don’t need to memorize your account number or your last account balance. With 822 you can easily keep track of your transactions, checking you balance is just a dial away.



To check your account number:     Dial   *822*8#

TO check your Account Balance:      Dial *822*6#

How can I open an account with *822#?

Opening an account just got easier with Sterling’s *822#, and get your account number instantly.



Simply dial *822*7# and follow the onscreen prompts.

BENEFITS Of using USSD To Open Account

  • Open an account without completing any form.
  • Save on a daily, weekly or monthly basis.
  • Deposit and withdraw money at any Sterling Bank location.


  • Maximum single deposit of N20,000
  • Maximum cumulative balance of N200,000 at any point in time
  • Maximum transaction limit of N3,000 and daily limit of N30,000
  • No airtime or data needed to open an account

How do I make merchant payments with *822#?

Save yourself the stress of carrying cash, you can now pay merchants directly from your bank account without your debit card. Sterling’s 822 enables you make payment at your merchant’s location using USSD.



You can easily pay profiled merchants by simply dialing;

*822*28*AMOUNT*MERCHANTCODE# – For Sterling registered Merchants

*822*000*RefNo# – For Coral Pay registered Merchants

*822*22*Sellercode*Amount# – For MCash Merchants (Coming Soon)

Kindly ask merchant for his/her codes to make payment

How can I make LCC Toll Payments with *822#?

You can now top up your LCC Toll account with at your convenience and at any time directly from your bank account using Sterling *822#. You can also check the balance on your LCC toll account.



Simply dial *822*15# and follow the prompts.

Frequently Asked Questions (FAQs)

How can I register for the Service?

You can automatically register for the service if you are an account holder by dialing *822*1*NUBAN# OR the system automatically prompts you to register when you try any transaction. As part of the registration process, you will be required to create a PIN to enable you access the Intra and Inter Bank transfer services on the USSD platform. Corporate account holders are not eligible.


Do I need to have airtime on my Phone line to access this service?

For airtime purchase on Airtel, Etisalat, GLO and MTN, you do not need to have airtime on your phone.

What is the maximum amount of airtime I can buy?

You can buy up to N20,000 airtimes in a single purchase, and N20,000 limit per day.

What is the maximum amount I can transfer?

You can transfer up to N20,000 per transaction with PIN 1, and up to N100,000 per transaction with PIN 2, with a daily limit of N100,000 for savings and current account.

What happens if my transfer or airtime top up fails and my account has been debited?

An auto reversal to credit your account will be effected within 24 hours. If this does not take place, kindly contact our Contact Centre on 07008220000 or send an email to [email protected]

What can I do if I misplace my phone?

Call our contact Centre to disable USSD service on your account.


How secure is the USSD service?


You are required to set and confirm your PIN (4-digit) at the point of registration. This PIN is personal and should be kept safe. Also you will be prompted to create a PIN 2 using your debit card, if you wish to transfer above N20,000 per transaction.


Charges Applicable

Transfer – within Sterling – N21 (VAT inclusive)

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.NG

Conclusion: Sterling bank USSD code, *822# is important for all the customers of the bank. Just a dial of code that perform wonder and you’ll experience easy banking that curbs the hassle of you queuing at the banking hall for something as simple as transferring money to other banks.  We believe that this article has explained some things you wish to know about this USSD magic functions.


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