STERLING BANK USSD Codes in Nigeria (2026)
Sterling • Nigeria
STERLING BANK USSD Codes in Nigeria (2026)
Across Nigeria, customers of Sterling Bank bank from the keypad with *822#. It runs on your network, so it works in towns where data is slow and on phones that never see an app store.
The short version
One main code, *822#. Dial from your registered number, then use the menu or a shortcut for balance, airtime and transfers.
Start in 4 steps
Use the right phone
The SIM must be the number linked to your account.
Dial *822#
Wait a few seconds for the menu.
Set up if asked
Follow prompts to create or confirm your USSD PIN.
Choose a service
Reply with the digit beside it.
Check your balance
Dial *822*6#, or open *822# and choose the balance option. Do it before and after any payment.
Buy airtime
For yourself, dial *822*Amount#. For another number, dial *822*Amount*Phone Number#. Look at the number twice before you confirm.
Send money
To a Sterling account, dial *822*4*Amount*Account Number#. To another bank, dial *822*5*Amount*Account Number#. Follow the prompts, check the name, then enter your PIN.
If something goes wrong
| Sign | Try this |
|---|---|
| No menu | Check signal and the number, then retry once |
| Shortcut fails | Dial *822# alone and use the menu |
| Session drops | Check balance and alert before you repeat |
Good habits
◆ Never share your PIN.
◆ Read every name and amount.
◆ Keep your alerts as receipts.
Who it helps most
◆ People in areas with weak data coverage.
◆ Customers with a basic phone.
◆ Anyone whose smartphone has no data or battery.
◆ Traders who need to confirm a balance before they release goods.
Costs and limits
Your network can charge a small fee per session, and a bank fee can apply to some transfers. Limits depend on your account, so ask Sterling about large amounts before you need them.
One code, any phone: *822#.