Sterling Bank: USSD Code, Transfer Charges, SWIFT Code & Rates
Commercial bank · Sterling · 35 Lagos branches · ₦5M NDIC coverage
No charge if your salary reach ₦50K. Niche banking.
Dem specialize for different sector — HEART, SHINE, GROW.
Sterling Bank na Commercial bank (CBN license, NDIC dey insure am) wey dem start for 1960 (66 years ago), and na Sterling Bank Plc dey operate am. For 2026 e dey serve about 4M+ customers through 170 branch nationwide.
- Dem start am
- 1960 · 66 years dey serve Nigerians
- Owner company
- Sterling Bank Plc
- Customer base
- 4M+
- Branch for Nigeria
- 170
- Bank type
- Commercial bank (CBN license, NDIC dey insure am)
- Website
- sterling.ng
- Address
- Sterling Towers, 20 Marina, Lagos Island, Lagos, Lagos
If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:
₦1,440 more than Kuda (₦2,400/yr). That na 0 bags of rice.
Compare with all 23 bank →Time to open: 15 minute · Online through app
- Bank Verification Number (BVN)Compulsory for all Nigerian bank account. Get one for any bank branch free.
- Valid IDNational ID (NIN), International Passport, Voter Card, or Driver Licence.
- Passport photographRecent passport-size photo. The mobile app fit accept live selfie instead.
- Utility billAddress verification. Electricity bill, water bill, or tenancy agreement (last 3 months).
- Minimum opening balance₦0 for savings account. ₦5,000-₦10,000 for current account.
Health, Education, Agriculture, Renewable, Transport — Sterling dey explicitly focus im lending on these five sector.
Consolidated Sterling banking app wey dem roll out from 2021. E dey handle retail + business + wealth banking for one interface.
Dedicated SME/business current account with reduced maintenance fee and priority relationship manager.
Sterling ethical/values-focused banking option for customer wey want non-interest-based product.