All about *822# ... the code that works like magic

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

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.

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

You can buy airtime for yourself and others, transfer funds within Sterling (intra-bank) and other banks (inter-bank), map BVN to your account, check your account balance, get your account number and open a tier 1 account.

You can buy airtime by simply dialing *822*AMOUNT# for yourself and *822*AMOUNT*MOBILE NO# for others.

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

You can transfer money within Sterling Bank by dialing *822# and follow the prompt OR dial *822*4*AMOUNT*NUBAN# and to other banks by dialing *822*5*AMOUNT*NUBAN#.Charges apply

You can transfer up to N50,000 per transaction and N100,000 daily limit for savings and current account.

You can check your account balance by dialing *822*6# as well as get your account number by dialing *822*8#. You can also dial *822# and select 6 to check your balance or 8 to check your account number. Charges apply

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 0700STERLING (070078375464) or send an email to

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

Dial *822*7#. Follow the instruction carefully and a tier 1 Kia-Kia savings account will be opened.

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.
  • 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)
  • Dial *822#
  • Select 9 (option on the next page)
  • Select PIN reset
  • Provide your 10-digit (NUBAN) account number, BVN and the last 6-digit of your active debit card to validate your request
  • You will be prompted to create a new PIN.

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