How to Open Sterling Bank Account with USSD Code on Phone & without BVN

How to Open Sterling Bank Account with USSD Code on Phone

With Sterling Bank, it is possible to open a savings account with the USSD code. Just with your smartphone, and supplying the necessary requirements, dial the Sterling Bank USSD code to open an account.

To open a Sterling Bank account, dial *822*7# on your phone. Then, follow the on-screen prompts. No need for data or going to the bank. With this Sterling savings account, you can save, spend and receive money.

Therefore, find out how to successfully open the account, requirements, and related topics.

Read: How to Open Sterling Bank Account online

Sterling Bank Account Code

Normally, like all Nigerian banks, opening a Sterling bank account involves going to the bank. Not any more. It is now possible to open a Sterling bank account on the phone. With your Mtn, Glo, Airtel or 9 mobile network, you can dial the Sterling USSD code to open an account.

But you may be wondering which type of bank account you can open with the USSD code?

The Sterling Bank account you can open with the USSD code is a savings account. This savings account is called Kia Kia. You do not need to fill out a long form to open Sterling Kiakia account. Open a Sterling Bank saving account quickly with just your phone – no airtime or data.

How to Open Sterling Bank Account on Phone with USSD Code without BVN

How to Open Sterling Account on Phone with USSD Code

The USSD code to open a Sterling bank account is *822*7#. As a new customer, dial the code and follow the on-screen prompts to open your Sterling account easily.

Here is how to open Sterling Bank account with USSD Code on phone:

  1. Dial *822*7# on your phone
  2. Enter your BVN
  3. Then, fill out your personal details
  4. Once successful, Sterling Bank will send your account number via SMS

The Sterling Kia Kia account can be operated like any Sterling Bank account. For instance, use the Sterling USSD banking to transfer money to another bank account or pay bills; save money into the account anytime and deposit and withdraw money at any Sterling Bank branch from the account.

Sterling Bank (Kia Kia)Account Requirement

Opening a Sterling Bank account, called Kia Kia, is quite easy. The requirement is what anyone could supply.

Here is the Sterling Kia Kia account requirement:

  • Basic customer information. (i.e., Name, Place and date of birth, Gender, Address, Telephone number)
  • BVN.
  • Passport photograph.
  • Signature.

Sterling Bank Account Limit

Opening a Sterling bank Kia Kia account with USSD code has some limits.

For example, the maximum you can deposit per transaction is N50,000 and a cumulative of N300,000. Likewise, the maximum transaction limit is N3,000 and N30,000 is the daily limit. Therefore, opening a Sterling Bank with the USSD code is ideal for someone who is satisfied with a maximum balance of N300,000.

However, you can upgrade your Sterling bank account to enjoy better features. To upgrade your Sterling Bank account, contact customer care online or visit the Sterling branch near you. You would need to submit more documents such as a valid ID card, proof of address and a passport photograph.

Can you Open Sterling Bank Account Online without BVN? 

Sterling Bank requires a BVN to open an account with the USSD code. Without BVN, you cannot open a Sterling Bank account successfully.

Every active bank account in Nigeria has BVN. Hence, if you have a bank account, you have a BVN attached to it.

But if you cannot remember your BVN, dial *565*0#. The code will retrieve your BVN. Then, use it to open the Sterling Bank account.


In summary, *822*7# is the USSD code to open a Sterling Bank account. Dial this code on your phone to create an account and get your Sterling account number instantly. This is achievable on your phone without visiting the Sterling Bank branch.

I hope you find this information helpful. 

Therefore, try it and let me know your experience by leaving a message in the comment section below. 

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