Season of rewards

Banking That Gives You More

Fund your account, transact on OneBank, use your debit card and stay active to enjoy cashback and bonus interest.

Opt In to Participate
Learn More

Terms & Conditions apply

Untitled June 25 2026 at 08.23.13

HOW IT WORKS

Complete Everyday Banking Activities

  • number10 Opt In: Register to participate using the form below.
  • number11 Stay Active: Carry out the qualifying banking activities (See Terms and Conditions)
  • number12 Enjoy Benefits: Get the applicable cashback or bonus interest.
Opt In to Participate
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Featured Benefits

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First Funding Bonus

Fund your account and qualify for onboarding rewards.

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Transaction Cashback

Earn cashback on airtime, data, bill payments, and debit card transactions.

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Welcome Back Bonus

Reactivate your account and make 5 transactions of ₦5,000 or more using your Debit Card or OneBank to qualify.

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Savings Benefits

Qualify for bonus interest when you make your first deposit, maintain a consistent savings streak, or reach a savings milestone.

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OneBank Activation Cashback

Use OneBank regularly and unlock exclusive benefits.

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Card Activation Cashback

Activate your debit card and earn up to ₦10,000 cashback on your first 5 transactions

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Opt-in To Participate

Register below to participate.

Savings Benefits FAQs

Setting funds aside consistently requires discipline and commitment. The Savings Benefits is an initiative designed to encourage customers to build healthy savings habits. By saving regularly and maintaining their commitment to their financial goals, customers improve their financial well-being and enjoy exciting benefits. Savings Benefits is an exclusive, invitation-only initiative.

Participation is strictly by invitation. However, it is limited to individuals with a Sterling Bank account.

Any customer in the following category may receive an invitation to participate in the Savings Rewards:

  • Account holders with a consistent record of low balances.
  • Sterling Recurring Deposit Account (Target Savings) and Sterling Kids & Teens (SKT) account holders with irregular savings behaviour.
  • Unfunded account holders.

Customers who are invited to participate will be required to meet any of the following conditions based on their savings behavior:

  • Achieve a 3-Month Savings Streak (increase your account balance every month for 3 consecutive months).
  • Achieve a savings milestone and set up a standing order of at least N20,000 to automate consistent saving. The new savings milestone is to be maintained until the end of the month.
  • Top up your account balance to a higher balance tier and maintain it until the end of the month.

Eligible customers can enjoy the following rewards when they meet the applicable criteria:

  1. Savings Streak Reward: Maintain a 3-month savings streak to qualify for a 10% bonus interest.
  2. Savings Milestone Reward: Reach a savings balance of ₦500,000, ₦1 million, or ₦2.5 million to qualify for a 50% bonus interest.
  3. Account Top-Up Cash Bonus: Top up your account balance and earn a cash bonus as follows:
Top-up AmountCash Bonus
₦1,000 – ₦10,000₦100
Above ₦10,000 ₦400
Above ₦50,000₦500

All rewards are subject to the campaign Terms and Conditions.

This will be sent to eligible customers via email, push notification, and/or SMS. Customers are encouraged to update the contact information on their account where this has changed so they can receive invitations when eligible.

Benefits will be verified and credited to eligible customer Sterling accounts within 10 working days after meeting eligibility conditions.

Maintaining a healthy account balance helps build long-term financial stability, ensures you earn higher interest on a savings account, and provides support during a rainy day.

Please contact the customer service center via [email protected] or call 02018888822 or 07008220000 for further details.

10 August 2026 – 31 December 2026

Welcome Back Bonus FAQs

At Sterling Bank, every customer matters. Welcome Back Bonus is an initiative designed to encourage customers who reactivate their previously inactive or dormant accounts and resume active digital banking transactions. The programme recognizes customers for reconnecting with the bank, rediscovering the value of our services, and taking positive steps towards achieving their financial goals through active account usage and engagement. Welcome Back Offer is an exclusive, invitation-only initiative.

This campaign is strictly by invitation and applies exclusively to individual Sterling customers whose accounts are inactive or dormant.

This will be sent to eligible customers via email, push notification, and/or SMS. Customers are encouraged to update the contact information on their account where this has changed so they can receive invitations when eligible.

To qualify for the benefit, an invited customer must opt-in to participate and complete the following actions:

  • Reactivate: Reactivate their dormant account at a closest Sterling bank service centre or via [email protected] OR make a transfer to their inactive account.
  • Activate: Successfully activate a Sterling Debit Card or activate their Mobile banking (OneBank) profile.
  • Transact: Complete at least 5 transactions with total value of more than ₦5,000. This includes Inward transfers, Airtime purchase, Data purchase, and Bill Payments e.g. Electricity, TV Subscription, Internet Subscription etc.

Eligible customers who complete the required steps will receive a one-off “Welcome Back Bonus” of ₦1,500 credited to their Sterling Bank account. A customer can only get this once.

The Welcome Back Bonus will be processed and credited directly into your reactivated account within 7 working days after completing the eligibility conditions – Reactivate. Activate. Transact.

Reactivating your account restores your full access to secure, reliable financial tools, free transfers and zero account maintenance fee on OneBank, as well as eligibility for our credit solutions. You also receive a welcome back bonus.

Please contact the customer service center via [email protected] or call 02018888822 or 07008220000 for further details.

10 August 2026  – 31 December 2026

Transaction Cashback FAQs

Transaction Cashback is an exclusive, invitation-only initiative designed to encourage customers to embrace digital banking channels for their everyday transactions. By using Sterling’s digital platforms (Mobile Banking–OneBank, Debit Card, USSD – *822#) to make payments, transfers, and other routine transactions, customers enjoy greater convenience, speed, and security while earning exciting benefits for their continued engagement. The programme aims to make digital banking more exciting, helping customers get more value from the transactions they already perform every day.

Participation is strictly by invitation. However, it is limited to individuals with a Sterling Bank account.

Any customer in the following category may receive an invitation to participate in the Transaction Rewards:

  • Unfunded account holders.
  • Customers on a digital channel with infrequent usage.
  • Customers who are yet to adopt a digital channel.
  • Inactive account holders
  • Account holders with expired debit cards.

Customers who opt-in to participate and satisfy the benefit conditions are automatically qualified. The customers get to enjoy more benefits on their Sterling account in addition to the Transaction Cashback.

This will be sent to eligible customers via email, push notification, and/or SMS. Customers are encouraged to update the contact information on their account where this has changed so they can receive invitations when eligible.

Eligible transactions are the basic day-to-day transactions carried out by customers. Performing these transactions digitally help customers to become more financially included and minimise the use of cash. The transactions include Airtime purchase, Data purchase, and Bill Payments e.g. Electricity Bill, TV Subscription, Internet Subscription etc.

Qualified customers will receive cash benefits as bonuses or cashbacks which will be credited to their Sterling account. The benefits are based on specific qualifying activity which will be detailed in the invitation received by eligible customers. The benefits range from bonus/cashback of ₦200 to ₦1,000.

Eligible customers will receive their benefits within 7 business days after meeting the criteria.

Activating and carrying out transactions via digital channels offers you a more secure, convenient, and seamless way of managing everyday payments. You also get rewarded in the process.

Please contact the customer service center via [email protected] or call 02018888822 or 07008220000 for further details.

10 August 2026  – 31 December 2026

Card Activation Cashback FAQs

The Card Activation Cashback is a specialized initiative designed to encourage customers to request, activate, and actively use their debit cards for everyday transactions. By participating, customers not only gain access to seamless digital transactions, they also qualify for exciting cashbacks while transacting securely.

This campaign is open to individual customers who either do not have a debit card (uncarded) on their Sterling account or have not activated (unactivated) their debit card.

Eligible customers will receive invitations through SMS, email, push notifications, phone calls, and in-branch engagement.

Eligible customers must:

  • Request a free Afrigo debit card via OneBank, USSD (*822#), an ATM, or at any Sterling Bank Service Center;
  • Activate the card; and
  • Complete at least five (5) debit card transactions during the campaign period.

Eligible customers must:

  • Activate their Verve or Afrigo debit card via OneBank, USSD (*822#), ATM, or at any Sterling Bank Service Centre; and
  • Complete at least five (5) debit card transactions during the campaign period.

Eligible customers will receive a cashback of 0.1% of the value of their first five (5) qualifying debit card transactions after successful card activation, up to a maximum of ₦10,000 (Ten Thousand Naira Only).

This includes transactions carried out using the newly activated debit card and includes airtime/data purchases, card payments online or in-store, excluding cash withdrawals.

Eligible customers will receive their cashback within 7 working days after successfully completing the qualifying transaction(s) and verification of eligibility.

Cashback will be processed weekly. Once your qualifying debit card transactions have been verified, your cashback (up to ₦10,000 in line with the campaign terms and conditions) will be credited directly to your Sterling account.

Use This
Channel		 Step 1 Step 2 Step 3
OneBank Log in Select Cards > Card Activation Select Card & Set PIN
Sterling ATM Insert Card Select New Card Set PIN and follow the prompts
USSD Register on USSD if you have not already with *822# Dial *822*8# and select Card Activation Set up PIN

Please contact the customer service center via [email protected] or call 0700 822 0000 for further details.

10 August 2026 – 8 November 2026

Terms & Conditions apply