Sterling Bank Transfer Code | How to Activate and Send Money

Sterling Bank is one of the leading commercial banks in Nigeria, and they offer a variety of convenient services for their customers.

One of these services is the Sterling Bank transfer code, which allows you to send money to any Sterling Bank account holder in Nigeria.

If you’re a Sterling Bank customer or considering becoming one, this detailed guide will illuminate everything you need to know about the Sterling Bank transfer code.

From setting up and activating your code to transferring funds with just a few taps on your mobile device.

What is Sterling Bank Transfer Code?

The Sterling Bank transfer code is a short, easy-to-remember USSD (Unstructured Supplementary Service Data) code specifically designed for Sterling Bank customers in Nigeria.

This service allows you to carry out a variety of financial transactions with a simple code on your mobile phone, without the need for internet connectivity.

All You Need to Know About the Sterling Bank Transfer Code

The Sterling Bank transfer code is an indispensable tool for customers of Sterling Bank in Nigeria, offering an array of banking services at your fingertips.

With this simple yet powerful *822# USSD code, banking is no longer confined to the walls of a branch. Instead, it travels with you, offering unparalleled convenience that fits perfectly into your busy lifestyle.

This service allows you to effortlessly perform various transactions, including fund transfers, airtime purchases, bill payments, and balance enquiries simply through the mobile number registered with your bank account.

It doesn’t require an internet connection, making it accessible even in remote areas or during times of poor connectivity.

How to Activate the Sterling Bank Transfer Code

Before you can start enjoying the benefits of the Sterling Bank transfer code, you need to activate it on your phone. Here’s how:

  1. Dial the activation code: The first step is to dial *822# on the phone number registered with your bank account.
  2. Follow the prompts: After dialing the code, follow the on-screen instructions to set up your account for USSD transactions.
  3. Set up a PIN: During the process, you will be required to create a four-digit PIN. This PIN will be used to authenticate all your transactions.

How to Create a Sterling Bank Transfer PIN

Creating a Sterling Bank transfer PIN is critical for securing your transactions. Here’s how to create one:

  1. Dial *822*1*NUBAN# (replace ‘NUBAN’ with your Sterling Bank account number).
  2. You will be prompted to create a new 4-digit PIN.
  3. Confirm the PIN.
  4. Once confirmed, your transfer PIN is ready to use.

How to Transfer Money Using Sterling Bank Transfer Code

To send money to another Sterling Bank account:

  1. Dial *822*4*Amount*NUBAN#.
  2. Follow the prompts and confirm the transfer with your PIN
  3. .

How to Transfer Money from Sterling Bank Transfer Code to Other Banks in Nigeria

The process is similar to transferring money within Sterling Bank accounts:

  1. Dial *822*5*Amount*NUBAN# (replace ‘NUBAN’ with the recipient’s account number).
  2. Select the recipient’s bank from the list.
  3. Confirm the transfer details and authenticate with your PIN.

The Benefits of Using the Sterling Bank Transfer Code

The benefits of using the USSD service are numerous:

  • Convenience: Make transactions from anywhere at any time.
  • Speed: Transactions are completed within seconds.
  • No Internet Required: Perfect for when you have no data or poor connection.
  • Ease of Use: Simple codes and straightforward instructions.
  • Secure: Every transaction is protected with your personal PIN.

The Features of Sterling Bank Transfer Code

Here are the features that make the Sterling Bank transfer code a must-use service:

  • Fund Transfers: Send money to Sterling Bank and other bank accounts.
  • Airtime Purchase: Buy airtime for yourself and others.
  • Balance Enquiry: Check your account balance on the go.
  • Bills Payment: Pay utility bills, subscriptions, and more.
  • Mini Statement: Get a mini-statement of your recent transactions.


Sterling Bank’s USSD service ensures that you can manage your finances with confidence and ease, anytime and anywhere.

Remember, in the dynamic world of banking and technology, staying informed and adaptable is key. With the Sterling Bank transfer code, you are well-equipped to navigate the future of banking with assurance and sophistication.


How secure is the Sterling Bank transfer code service?

The service is very secure. Each transaction requires a PIN, and the service can only be accessed through the phone number linked to your Sterling Bank account.

Can I use the Sterling Bank transfer code on any phone?

Yes, the USSD service works on any mobile phone—smartphone or not. All you need is the SIM card associated with your bank account.

What if I forget my Sterling Bank transfer PIN?

If you forget your PIN, you can reset it by dialing *822#, selecting the relevant option for PIN reset, and following the on-screen instructions.

Are there charges for using the Sterling Bank transfer code?

Yes, there are nominal fees for transactions completed using the USSD service. However, these are usually less than the charges for ATM or branch transactions.

How much can I transfer daily using the Sterling Bank transfer code?

There is a daily limit for transactions. You can contact Sterling Bank customer care or visit their website for the current limit.

Is there a limit to the number of transactions I can make in a day?

No, there is no limit to the number of transactions. However, the total amount shouldn’t exceed the daily transaction limit.

What should I do if my transaction fails but my account is debited?

If this happens, contact Sterling Bank customer service immediately. Typically, the transaction will automatically reverse within 24 hours.