How to open Sterling bank account on phone online & USSD code

How to Open Sterling Bank Account on Phone Online: App & Web

Do you wish to open a Sterling Bank account online on your phone without going to the bank? 

Sterling Bank makes it easy to open individual and corporate accounts online. To open the Sterling Bank account online on your phone, download the OneBank app or visit Sterling website. Supply the account requirements(e.g. personal details and BVN) and your account is ready in a few minutes. Indeed, no need to visit the Sterling bank branch to open any account such as savings. 

Therefore, find out how to use these options to get the account number, features, requirements, and related topics.

Read: How to Open Sterling Bank Account with USSD Code


How to Open Sterling Bank Account Online with Mobile App

How to Open Sterling Bank Account Online with Mobile App

With the OneBank app, you can open a Sterling Bank account online. Simply install the mobile app and complete the form. No need to visit the Sterling Bank branch to open an account when you can do it online.

Here is how to open Sterling Bank Account online with OneBank App:

  1. Download the Sterling OneBank app on Google Playstore or Appstore
  2. Tap on the Register button to sign up
  3. Select “No, I do not” for Do you have a Sterling Bank Account?
  4. Then, fill in the form such as:
    • BVN
    • Last Name and First Name
    • Date of Birth
  5. Proceed and complete the next steps.
  6. Lastly, your Sterling Account will be opened on the app

How to Open Sterling Bank Account on Phone Online: Website

How to Open Sterling Bank Account on Phone Online

Individuals or corporate can open Sterling Bank account online on their website. You can access the Sterling Bank website on your phone or computer to open any type of account. Just like you can borrow money from Sterling Bank online, you can also open an account without visiting the Sterling Bank branch.

Here is how to open Sterling Bank Account Online (Website)

  1. Go to the Sterling Bank account opening page
  2. Select Individual or Corporate
  3. Select the Account type and click Next
  4. Check the account features and requirements
  5. For an individual, enter your BVN and Date of Birth
  6. For a corporate, enter TIN
  7. Lastly, fill out the form and get your Sterling Bank account number.

Note: check the features and requirements of each Sterling Bank account. This will guide you on which account is suitable for you to open.

An important step to open a Sterling Bank account is the validation process. For an individual, you must enter your BVN and Date of Birth to open a Sterling Bank account. When you enter this data, it will be validated by Sterling Bank. Then, you can proceed to open the Sterling Bank account.

Likewise, a corporate account must enter a TIN to open a Sterling Bank account. This number will be validated by Sterling and therefore, continue the Sterling Bank account opening process.

Read: How to Borrow Money from Sterling Bank Online


Sterling Bank Individual Accounts and Requirements

The Sterling Bank has various individual accounts. Interestingly, you can open them online. They include an account for yourself, your child, a Naira account and a Dollar account. Some of these accounts offer zero account balance and do not cost a dime to open.

1. Kia Kia (Tier 1)

Features

  • Maximum single deposit of N50,000.
  • Maximum cumulative balance/threshold of N300,000.
  • Instant account opening.
  • Email/SMS alert.
  • Online statements
  • One account signatory.
  • Verve card only.
  • No International Funds Transfer.

Requirements

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

2. Kia Kia (Tier 2)

Features

  • Maximum single deposit of N100,000.
  • Maximum cumulative balance/threshold of N500,000.
  • Instant account opening.
  • Email/SMS alert.
  • Online statements
  • One account signatory.
  • Verve card only.
  • No International Funds Transfer.

Requirements

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

3. Classic Savings

Features

  • Zero initial opening balance is accepted.
  • Maximum single deposit and cumulative balance/threshold is unlimited.
  • Daily minimum balance of N1,000.
  • Attractive interest rate i.e., 1.15% p.a. (30% of MPR)
  • Issuance of Verve Card and Mastercard.
  • Online statements
  • SMS alert/Email.
  • Internet & Mobile banking facility.
  • International funds transfer allowed.

Requirements

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

4. Kids Account

Features

  • Minimum account opening balance of N2,000. (Not Restrictive)
  • Daily minimum balance of N1,000.
  • Attractive interest rate i.e., 1.15% p.a. (30% of MPR).
  • Allow lodgement of cheques and dividend warrants.
  • Issuance of Verve card
  • SMS/Email alert.
  • Incentive of N250,000 to beneficiary that have scores of all A’s in SSCE/Cambridge O’level in at least 8 subjects at one sitting

Requirements

  • Basic information of Minor and Parent/guardian. (i.e., Name, Place and date of birth, Gender, Address, Telephone number) **Address would be verified
  • Birth certificate of the minor/International passport / NIN Slip.
  • Parent’s/Guardian’s Valid and acceptable means of Identification.
  • Passport photograph of minor and parent/ guardian.
  • BVN of Parent/Guardian.
  • Signature of Parent/Guardian.

5. Domiciliary Savings

Features

  • Minimum account opening balance of: – USD 100 – GBP 100 – EURO 100.
  • Attractive interest rate on tenured deposit.
  • Interest bearing.
  • Foreign cheque lodgement allowed (21 working days).
  • Allows for offshore remittances.
  • Internet Banking Facility & SMS Alert.

6. Classic Current

Features

  • Minimum account opening balance of =N=5,000 (Not Restrictive)
  • Access to overdraft facility.
  • AMF at =N=1/mille (Negotiable with huge turnover)
  • Internet and mobile banking facility i.e., online statement, SMS alert etc
  • Chequebook.
  • International funds transfer allowed.
  • Issuance of Verve Card and Mastercard.

Requirements

  • Basic customer information. (i.e., Name, Place and date of birth, Gender, Address, Telephone number) **Address would be verified.
  • BVN.
  • Passport photograph.
  • Signature.
  • Valid ID.
  • 2 Suitable references.

7. Domiciliary Current

Features

  • Minimum account opening balance of: – USD 100 – GBP 100 – EURO 100.
  • Attractive interest rate on tenured deposit.
  • Interest bearing.
  • Foreign cheque lodgement allowed (21 working days).
  • Allows for offshore remittances.
  • Internet Banking Facility & SMS Alert.
  • Online statement.

Requirements

  • Basic customer information. (i.e., Name, Place and date of birth, Gender, Address, Telephone number) **Address would be verified.
  • BVN.
  • Passport photograph.
  • Signature.
  • Valid ID.
  • 2 Suitable references.

Sterling Bank Corporate Accounts and Requirements

Furthermore, Sterling Bank has corporate accounts you can open online without visiting the bank.

1. Business Account

Features

  • Minimum account opening balance of =N=5,000 (Not Restrictive).
  • Access to an overdraft facility.
  • AMF at =N=1/mille (Negotiable with huge turnover).
  • Access to business finance.
  • Internet and mobile banking facility i.e. online statement, SMS alert etc..
  • Chequebook.
  • International funds transfer allowed.
Requirements
  • Certificate of Registration.
  • Application form for Registration of Business name.
  • Taxpayer identification number TIN.
  • Partnership Deed (where applicable).
  • Basic information about business (business name, business address, business email and phone number, Registration number).
  • BVN of each signatory.
  • Valid and acceptable means of Identification for each signatory.
  • Basic information of each signatory/proprietor. (i.e., Name, Place and date of birth, Gender, Address, Telephone number)
  • Two satisfactory corporate references.
  • One recent passport photograph of each signatory.
  • Power of attorney duly executed by the registered business owner where the signatory is different from the listed proprietor.
  • For professional bodies, evidence of duly registered membership of the professional body is required.
  • CERPAC- Combined Expatriate Residence Permit and Alien Card for directors of the company and signatories to the account who are foreign nationals.

2. Company Account

Features

  • Minimum account opening balance of =N=5,000 (Not Restrictive).
  • Access to an overdraft facility.
  • AMF at =N=1/mille (Negotiable with huge turnover).
  • Access to business finance.
  • Internet and mobile banking facility i.e. online statement, SMS alert etc..
  • Chequebook.
  • International funds transfer allowed.

Requirements

  • Certificate of incorporation.
  • A certified true copy of Form CO2 and CO7 or Form CAC 1.1
  • A certified true copy of Memorandum and Articles of Association.
  • Taxpayer identification number TIN.
  • Basic information about Company (company name, company address, company email and phone number, Registration number).
  • BVN of each signatory.
  • Valid and acceptable means of Identification for each signatory.
  • Basic information of each signatory/proprietor. (i.e., Name, Place and date of birth, Gender, Address, Telephone number)
  • Board Resolution duly sealed and signed by two directors or a director and Secretary on company letter head.
  • Two satisfactory corporate references.
  • One recent passport photograph of each signatory.
  • SCUML Certificate (where applicable).
  • For professional bodies, evidence of a duly registered membership of the professional body is required.
  • CERPAC- Combined Expatriate Residence Permit and Alien Card for directors of the company and signatories to the account who are foreign nationals.

3. NGOs Account

Features

  • Minimum account opening balance of =N=10,000 (For Legal Search).
  • No transaction fees.
  • Internet and mobile banking facility i.e., online statement, SMS alert etc.
  • Chequebook.
  • International funds transfer allowed.

Requirements

  • Taxpayer Identification Number (TIN).
  • Copy of Certificate of Registration.
  • Copy of Charter / Memorandum and Articles of the NGO.
  • Resolution signed by the Chairman and Secretary of the NGO to open account with the bank. The resolution should be sealed, specify the venue of the meeting, officers present and the person who presided, state the signatories and mandate on the account.
  • Basic Information about business (business name, business address, business email, Phone number, Registration number and Date of incorporation).
  • BVN & Date of Birth of each signatory.
  • Basic Information of each signatory (Full Name, Email Address, Gender, Residential Address, Telephone number, Nationality)
  • Valid and acceptable means of Identification for each signatory.
  • Scanned signature for each signatory.
  • Two satisfactory corporate references (Account details)
  • One recent and clear passport photograph for each signatory.
  • SCUML Certificate or proof to show you have commenced the registration process for SCUML.
  • CERPAC- Combined Expatriate Residence Permit and Alien Card for directors of the company and signatories to the account who are foreign nationals.

4. Business Zero AMF Account

Features

  • Minimum account opening balance of =N=10,000 (For Legal Search).
  • Access to an overdraft facility.
  • No Transaction Cost
  • Access to business finance.
  • Internet and mobile banking facility i.e., online statement, SMS alert etc.
  • Chequebook.
  • International funds transfer allowed.

Requirements

  • Certificate of Registration.
  • Business email address.
  • Taxpayer identification number TIN.
  • Partnership Deed (where applicable).
  • Basic information about the business (business name, business address, business email and phone number, Registration number).
  • BVN of each signatory.
  • Valid and acceptable means of Identification for each signatory.
  • Basic information of each signatory/proprietor. (i.e., Name, Place and date of birth, Gender, Address, Telephone number)
  • Two satisfactory corporate references.
  • One recent passport photograph of each signatory.
  • Power of attorney duly executed (where applicable) by the registered business owner where the signatory is different from the listed proprietor.
  • For professional bodies, evidence of duly registered membership of the professional body is required.
  • CERPAC- Combined Expatriate Residence Permit and Alien Card for directors of the company and signatories to the account who are foreign nationals.
  • SCUML Certificate (where applicable).

Can you Open Sterling Bank Account Online without BVN? 

It is compulsory that you have BVN to open a Sterling Bank account. Without BVN, you cannot open a Sterling Bank account successfully. If you have been using a bank account, then you have a BVN.

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.


Conclusion

In summary, it is possible to open a Sterling Bank account online on the phone without visiting the bank. You can use the OneBank app to open a Sterling bank account. The Sterling Bank website is a more robust way to open an account as you can open various individual and corporate accounts. All these can be done easily 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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