OneBank, digital convenience right at your fingertips.
Skip physical branches, register and bank instantly, manage payments, investments, loans, and even support causes through community banking – all in one app. Experience seamless banking with dynamic news updates and join us for a brighter financial future.
Features and benefits
Experience a Sleeker Interface
Experience seamless navigation with our app's sleek new look. Banking that's both functional and aesthetically pleasing.
Fast Account Opening
Open your account in minutes and start your journey to smarter banking today. Quick, easy, effective.
Smart
Budgeting
Take control with smart budgeting tools. Track spending, set goals, and personalize your financial strategy.
Notifications
Real-time alerts keep you informed and ahead. Never miss a transaction or bill reminder again.
Payment Links
Create and share payment links effortlessly. The ultimate convenience in sending and receiving money.
Revamped Receipts
Transaction receipts, redesigned for clarity. Track your spending with ease and accuracy.
FX Swap
Swap currencies instantly at competitive rates. International banking made simple and efficient.
Superfast Transfers
Send money in seconds with superfast transfers. Experience the pinnacle of convenience and speed.
Card Request
Request the Verve Ultra Card through the app. Unlock a world of premium benefits.
More features
Create a wallet account instantly with your mobile number.
Tired of remembering passwords? Use your fingerprint to access your profile and save yourself the stress of storing many passwords.
You can transfer funds from your wallet or account to any bank of your choice in Nigeria within seconds.
You can transfer funds from your wallet or account to anywhere around the world within seconds.
Secure your card during emergencies with the convenient freeze and unfreeze feature
Need quick cash or out of cash? Search for the closest Automated Teller Machine (ATM) and have access to withdraw cash even without your debit/credit card.
Initiate your standing order payment and be rest assured your transactions are processed at the set intervals.
Fast and fair dispute resolution at your fingertips. We’re here to ensure your peace of mind.
Refer friends, spread the love, and earn rewards. Banking is better together.
Because you are so important to us, we would like to always hear from you. Do you have a feedback, enquiry, dispute or suggestion? Reach us via any of our customer care or social channels and you are sure to get a response any time of the day.
Open an account on OneBank and get a card
- Login to the OneBank app
- Select Cards in the Menu
- Select Request Debit Card
- Click Verve Card
- Provide all necessary details
- Card will be delivered to your specified address.
- Become one of the first 100,000 OneBank customers to enjoy free Verve debit card delivered to your location/address.
- Existing customers with active debit cards are not qualified for the free debit card offer.
- To qualify, you must have performed at least one transaction on the OneBank app.
- Within Lagos, card delivery is between 2 to 5 working days while for locations outside Lagos, delivery is between 2 to 7 working days.
- Card Delivery is nationwide.
OneBank is powered by Sterling. It is a fully digital bank that provides convenient and secure access to banking services anytime, anywhere. With the OneBank app, you can open an instant account, send and receive money, pay bills, purchase airtime and data, invest, and apply for loans, all within one platform. Experience a new way of banking with exciting features, a user-friendly interface, and top-notch security.
To download the OneBank app, follow these steps:
- Open the app store on your mobile device (Google Play Store for Android or Apple App Store for iOS).
- In the search bar, type “Sterling OneBank” and press enter.
- Locate the OneBank app in the search results and click on it.
- Tap the “Install” or “Download” button to begin downloading.
- Wait for the app to download and install on your device.
- Once installed, open the OneBank app and follow the on-screen instructions to set up your account or log in if you already have one.
- After setting up your account, you will be assigned a ‘Wallet Account’, but you must upgrade it to have an account number.
Yes, using the OneBank application is free of charge. You will only incur charges when you carry out a transaction. However, purchasing airtime through the app does not attract any fees.
Yes, you can access all your Sterling Bank accounts using the OneBank app. The OneBank app has an option labelled “See All” that allows you to view all your Sterling accounts.
Open OneBank and enter your username and password to log in to the app.
Once this has been validated successfully, an OTP will be sent to your registered phone number and email. Input the OTP to validate that you are signing into the app and continue.
If you have forgotten your username or password, do not worry. Click on the forgot password option and follow the steps below.
- Provide your account number.
- Supply the OTP sent to your registered phone number
- Provide the answer to a security question
- Input your transaction PIN
- Select the option you forgot
- For Password, create a new password and confirm once done.
- Go back to the login page and type your username and new password to login.
Here’s a guide to set up your biometrics:
- Log in to the app with your username and password.
- After signing in, go to the Menu and choose Manage Profile.
- Scroll down to Device Authorization and turn on the toggle button.
- Confirm by entering your transaction PIN.
Once validated, you can now access the application using your biometrics.
OneBank was created to offer you convenience.
On OneBank, you can:
- Open an account within minutes from the comfort of your mobile.
- Request a debit card, and we will bring it to you when you select the delivery option.
- Send money to friends and family within seconds.
- Pay bills with a few clicks, from electricity to cable TV to Internet Services.
- Budget like a pro and make better spending decisions.
- Seamlessly buy Airtime and Data plans for yourself or loved ones.
- Request money from friends & family via a payment link.
- Say goodbye to currency conversion hassles with the FX Swap feature.
- Get a line of credit with the Verve Ultra Card to cover emergency expenses.
- Apply for a loan both for business and personal use.
- Invest easily.
- Dispute your transaction.
And much more.
You can join OneBank using any of the following methods
A. You already have an account with Sterling?
- Provide Account Number, and select means of validation (OTP, Card, USSD)
- For OTP and USSD, a code will be sent to your registered phone number on your bank account.
- For OTP, use the code sent to your registered number on the app
- Dial the code shared from the same number for USSD and follow the prompt
- For Card, you will be required to provide your card details to proceed
- After validation, you will be required to create your login credential and transaction PIN
- After the step above is completed, login with the credentials and follow the prompts to create security questions.
B. You do not have an account with Sterling?
- Onboard with BVN
- You provide your BVN, Name and DOB
- OTP is sent to your BVN registered email and phone number
- After validation, you will be required to create your login credential and transaction PIN. A Tier 1 account will be created, which you can start transacting from to a maximm
- After the step above is completed, login with the credentials and follow the prompts to create security questions.
Yes, you can apply for various financial products directly through the app, streamlining the application process and saving you time.
One Bank is powered by Sterling. We guarantee highly robust security measures that ensure the safety of your financial information.
Block your account immediately by dialing *822*911# from any mobile number and following the prompts. However, you must be a registered Sterling USSD user to do this. Register on USSD by dialing *822#, then click “Registration,” and follow the prompts.
Yes, you can operate your OneBank app from anywhere worldwide as a full account holder with BVN or as a Wallet user without BVN.
DO NOT disclose your security information under any circumstance. Disconnect the call immediately and call our One Customer Centre on 07008220000 to confirm the Genuity of the call and resolve any pending issue on your account.
You get to have your Bank on your phone. Make payments, borrow, and invest easily. You can also make a little buck by inviting people using your referral code.
Absolutely. To get instant value in your Naira account, simply select the FX Swap option from the main menu and follow the prompts
Once you login to OneBank, proceed to Menu, then Transaction Limits to set your preferred daily transaction limits (Make sure your account is Upgraded from Wallet).
Launch OneBank and log in. Tap “Send Money” to transfer funds to yourself or another beneficiary. Tap “Airtime” to purchase Airtime for yourself or others, or tap “Bills Payment” to pay bills like Cable TV bills, Electricity, Internet subscriptions, etc.
There are different account types, with the most basic requiring just you:
- Wallet Account – Personal information
- Savings/Current Account – BVN, personal information, valid ID means, e-signature, and referees’ information (Current Accounts only).
Log in to One Bank and tap on the Profile icon. Your referral code will appear at the top of your Menu page.
Open your OneBank app, at the login page, tap “Forgot Password” and follow the prompts. You will need your account number, access to your registered phone number and other validation steps to complete this process.
The default daily transaction limit per customer on OneBank is N500,000. However, you can do a self-upgrade using your valid debit card or Facial recognition.
Maximum Daily transaction limit for a Wallet account is N50,000
Maximum Daily transaction limit for a full KYC account is N25,000,000
Launch OneBank, login, and tap “Menu” on the NavBar. Scroll down to tap “Referrals”/” Share the Vibe” and follow the prompts.
- To upgrade your Tier 1 or wallet account to a full account, follow these steps:
- Click on the upgrade button on your Tier 1 account card on the dashboard.
- Capture a well-lit selfie for facial verification. Proceed to documentation after successful verification.
- If facial validation fails, click on proceed to continue.
- Choose ID card type for verification.
- Enter your ID number. For NIN, generate the 16-digit Virtual NIN number by dialing *3463*Your NIN number*471335# on your registered mobile number.
- Upload images of your ID card and signature specimen.
- Provide your residential address (ensure you are at your current address for automatic verification using OkHi).
- Submit once all steps are completed.
- Voila, your account has been successfully upgraded.
- To upgrade your Wallet account to a full account, kindly follow the steps outlined below.
- Tap on the upgrade button on the wallet account visible on the dashboard.
- Select preferred account type.
- Provide your employment status.
- Provide and validate your BVN.
- Capture a well-lit selfie for facial verification. Proceed to documentation after successful verification.
- If facial validation fails, click on proceed to continue.
- Choose ID card type for verification.
- Enter your ID number. For NIN, generate the 16-digit Virtual NIN number by dialing *3463*Your NIN number*471335# on your registered mobile number.
- Upload images of your ID card and signature specimen.
- Provide your residential address (ensure you are at your current address for automatic verification using OkHi).
- Submit once all steps are completed.
- Voila, your account has been successfully upgraded.
Call us on 07008220000 or email us at [email protected]. Alternatively, you can visit the nearest Sterling Bank branch.
