Sterling Bank Transfer Code & Exclusive Sterling Bank Balance Code 2024

Sterling Bank Transfer Code & Exclusive Sterling Bank Balance Code 2024

Sterling Bank transfer Code 2024. One of the first warning signs of masochism is going to a Sterling Bank branch to make financial transactions when you have a phone.

You can always download and use the Sterling Bank app if you have a good internet connection. However, not everyone has access to a good internet connection, and Sterling Bank knows that.

Their alternative for users without internet is the Sterling Bank transfer code: *822#. It is a simple USSD code that lets you make most of your banking transactions on your device without internet access.

It is available to all Sterling Bank users in Nigeria, regardless of their network provider. This article extensively details how to activate and use the Sterling Bank transfer code for your banking transactions.

How To Start Using Sterling Bank Transfer Code

The first prerequisite for using any Sterling Bank transfer codes is to have a Sterling Bank account. If you’re reading this, I assume you already have an account, so no obsessing over this.

Next, you must register for the Sterling Bank USSD Quick Banking. The registration process is simple, and as long as you have a phone and a Sterling Bank account, you’re good.

Here are the detailed steps to follow to start using the Quick Banking feature with Sterling Bank.

  1. Dial *822# on your phone.

Open the phone app on your Android or iOS device and dial the USSD code for setting up Sterling Bank Quick Banking.

Ensure you’re dialing this code on the phone number you used while setting up your Sterling Bank account to provide a seamless link to your account, negating the need for further verifications.

When you enter this code, you should receive a message informing you that Sterling Bank will deduct a ₦6.98 network charge for all transactions. You must reply to the message with “1” to accept the terms and continue.

After accepting, you’ll be asked for your sterling bank account number and your debit card number. Reply with the requested details to register for Sterling Bank Quick Banking if you have a Sterling Bank account.

If you don’t have a Sterling Bank account, you’ll get a message that reads: “You do not have a Sterlingbank account.” However, you can always create an account using the same USSD code.

2. Choose your preferred card and create a PIN.

If you have an account with Sterling Bank, you should see a list of your linked debit cards, with their numbers partly masked.

Here, you can select the card you’d like to use with Sterling Bank Quick Banking. You will be required to verify the card by entering its four-digit PIN. You should enter the PIN you chose while setting up the card.

Afterward, you’ll need to create a five-digit PIN. This time, the PIN isn’t for the debit card, but it’s your new Sterling Bank transfer PIN.

You will need your transfer PIN whenever you’re making any transactions using the Sterling Bank transfer code. So, you must choose one to secure your account from unauthorized use.

After settings up a transfer PIN, you’ve completed the setup. Using the *822# USSD code, you can access almost every banking feature without an internet connection.

How To Use The Sterling Bank Transfer Code For Transactions

Now that you’ve set up your Sterling Bank account to use the Quick Banking feature, what exactly can you do with it.

In this section, you’ll learn almost everything you can do with *822# and detailed guides on how to do them.

  1. Money transfers

Quick Banking got many official names from Sterling Bank. Their website referred to it as Quick Banking and USSD Banking. However, the only one that seemed to stick was ‘transfer code,’ since that’s almost everything for which most people use it.

Transferring money from one account to another is the most popular function of Sterling Bank USSD Banking, hence the name ‘Sterling Bank transfer code.’

To transfer money using Sterling Bank USSD code, dial *822*4*Amount*Recipient’s account number# For Sterling Bank to Sterling Bank transfer. For Sterling Bank to Another Bank transfer dial *822*5*Amount*Recipient’s account number# and Comfirm Recipient’s Bank. You will need to enter your transfer PIN to complete the transaction.

Remember, every transaction you make using the Sterling Bank transaction code will cost you N6.98, which doesn’t exclude a transfer.

2. Airtime purchase

Using Sterling Bank’s *822# USSD code, you can purchase airtime using the money from your bank account. You can buy airtime for yourself or others if you don’t exceed the N10,000 daily limit.

If you’re purchasing airtime for the phone number you used to create your first bank account, you only need to enter *822*Airtime amount#.

However, if you’re buying airtime for other phone numbers, you will need to specify the number. You can do this by dialing *822*Airtime amount*Recipient phone number#.

Either way, you’ll need to verify the transaction by entering your five-digit transaction PIN, and you’ll need to shell out a ₦6.98 service charge.

3. Checking account balance

If you have an account with Sterling Bank and you’ve set up the Quick Banking feature, you can always check your account balance by dialing *822*6#.

To get a more detailed statement of account, dial *822*Account number#.

That’s not all you can do with the Sterling Bank transfer code. If you can dig around carefully enough, you can access a whole world of other banking options without internet access.

Some of the services available via USSD include utility bill payments, creating Sterling Bank accounts, linking BVN to bank accounts, among other numerous features.

However, you shell out a ₦6.98 service fee each time you use any of these features. Thus, it can be more economical to use the SterlingMobile app for your transactions whenever you have internet.

Other Bank Transfer Codes

Access Bank Transfer Code

Fidelity Bank Transfer Code

FCMB Transfer Code

Wema Bank Transfer Code

Union Bank Transfer Code

Ecobank Transfer Code

GTBank Transfer Code

Unity Bank Transfer Code

First Bank transfer Code

Heritage Bank Transfer Code

Polaris Bank Transfer Code

Keystone Bank Transfer Code

Zenith Bank Transfer Code

UBA Transfer Code


With the realization that many Nigerians lack access to constant internet, more banks have adopted USSD transaction options, and Sterling Bank isn’t left behind.

With their popular 822 banking, you can access most of your favorite banking features without launching your bank app or walking to the bank.

This article details how you can set up your account to use the Sterling Bank transfer code for most of your banking transactions.

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