Sterling Bank USSD Codes (*822#), Bank Code 232 & Transfer Guide
All Sterling Bank USSD codes (*822#), CBN code 232, SWIFT NAMENGLA, sort code, transfer steps and FAQs — updated August 2026.
Sterling Bank Plc Bank Codes & Identification
Every Nigerian bank has unique identification codes assigned by the CBN and international banking bodies. These route local NIP transfers, international SWIFT wires, and cheque clearing. Below are the verified codes for Sterling Bank Plc.
Sterling Bank Plc (CBN code 232) is a Tier-2 commercial bank formerly known as NAL Bank. Known for its HEART sector focus: Health, Education, Agriculture, Real Estate, and Transport.
Sterling Bank Plc USSD Codes — Full List (2026)
USSD codes let you bank from your phone dialler — no internet required. All codes below work on MTN, Glo, Airtel, and 9mobile.
| Transaction | Code to Dial | Network |
|---|---|---|
| Open Sterling Bank USSD menu | *822# | All networks |
| Transfer to any bank | *822*Amount*AcctNo# | All networks |
| Check account balance | *822*0# | All networks |
| Buy airtime | *822*Amount# | All networks |
| Pay bills | *822*3# | All networks |
| Open Sterling account | *822*1# | All networks |
| Block account | *822*911# | All networks |
How to Transfer Money via Sterling Bank *822# USSD
Transfer from Sterling Bank to any Nigerian bank without internet:
Dial *822# from your Sterling-registered number.
Select "Transfer".
Enter the amount.
Enter the recipient's 10-digit NUBAN account number.
Select the destination bank.
Confirm the account name.
Enter your Sterling USSD PIN.
Receive SMS confirmation.
Transfer Limits & Charges
| Transaction Type | Daily Limit | Fee |
|---|---|---|
| USSD per transaction | ₦100,000 | ₦10–₦50 |
| USSD daily limit | ₦1,000,000 | NIP standard |
| Sterling to Sterling | Instant | Free |
| Sterling to other banks | Instant | ₦10 (<₦5k) / ₦25 (≥₦5k) |
Sterling Bank Plc Branch Sort Codes
Branch sort codes are 9 digits: first 3 identify the bank (232), the next 6 identify the branch. Key branches for Sterling Bank Plc are listed below.
| Branch | State | Sort Code |
|---|---|---|
| Marina Branch | Lagos | 232150001 |
| Ikeja Branch | Lagos | 232150003 |
| Wuse Branch | Abuja | 232150015 |
| Port Harcourt Branch | Rivers | 232150007 |
Frequently Asked Questions — Sterling Bank Plc
What is Sterling Bank's USSD code?
Sterling Bank's USSD code is *822#. Dial from any Nigerian network for transfers, balance checks and bill payments.
What is Sterling Bank's CBN bank code?
Sterling Bank's CBN interbank code is 232.
What is Sterling Bank's SWIFT code?
Sterling Bank's SWIFT/BIC code is NAMENGLA.
Bank codes, USSD codes, and transfer limits on this page are sourced from CBN publications, NIBSS, and official Sterling Bank Plc communications, and are provided for informational purposes only. Codes and limits may change — always verify directly with Sterling Bank Plc before high-value transactions. CurrentAffairs.com.ng is an independent civic information platform and is not affiliated with Sterling Bank Plc, the CBN, or NIBSS. Last reviewed: August 2026.