OneBank FAQs

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:

1. Log in to the app with your username and password.
2. After signing in, go to the Menu and choose Manage Profile.
3. Scroll down to Device Authorization and turn on the toggle button.
4. Confirm by entering your transaction PIN.

Once validated, you can now access the application using your biometrics.

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.

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.
• Transaction Tracking.

And much more.

The Transaction Progress Tracking feature allows OneBank by Sterling users to monitor the status of their transactions in real-time. You’ll see updates on where your transaction is in the process, giving you greater transparency and peace of mind.

To view the status of your transactions, simply log in to the OneBank app, navigate to the Transaction History” tab, and select the transaction you want to track. You’ll see the latest updates on its progress right there.

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.

1. To upgrade your Tier 1 or wallet account to a full account, follow these steps:
2. Click on the upgrade button on your Tier 1 account card on the dashboard.
3. Capture a well-lit selfie for facial verification. Proceed to documentation after successful verification.
4. If facial validation fails, click on proceed to continue.
5. Choose ID card type for verification.
6. 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.
7. Upload images of your ID card and signature specimen.
8. Provide your residential address (ensure you are at your current address for automatic verification using OkHi).
9. Submit once all steps are completed.
10. Voila, your account has been successfully upgraded.

1. 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 customercare@sterling.ng. Alternatively, you can visit the nearest Sterling Bank branch.