Debit Cards
Take full control of your account with our debit cards.
Sterling Debit Card (NGN)
Shopping or making payments and withdrawals in Nigeria? Then our Sterling Debit Card is just for you. This debit card gives you 24-hour access to your account. It is linked to your Naira Savings or Current account and allows you to make payments on POS, WEB and use the ATM.
- Naira denominated.
- Debit card linked to your Naira Savings and/or Current account.
- EMV Complaint (Chip and PIN technology).
- Can be used for Balance enquiry, Quick Cash withdrawals, ATM Fund Transfers, Bills payment, Airtime top up on ATMs.
- Shop and make online payments within Nigeria.
- 3D secure transactions requiring One time password (OTP) for verification.
- Accepted in Nigeria, wherever the Interswitch or Verve logo is displayed.
- The card is valid for 5 years.
- Easy access to funds 24 hours a day/7 days a week.
- Eliminates the risk and inconvenience of carrying cash.
- Can be used across multiple channels – POS terminals, ATMs and WEB.
- Instantly available at any Sterling Bank branch Nationwide.
- Flexible spend limits is available on request.
- Offers great discounts at merchant’s location.
• ATM- N150,000
• Web- N1,000,000
• POS- N2,000,000
Standard Debit Card (NGN)
Using a Sterling Bank Standard MasterCard gives you 24/7 access to the funds in your Savings and Current account anywhere in the world. The card is a Naira denominated debit card which helps to keep track of what you spend online real-time.
- Naira denominated.
- Debit card linked to your Naira Savings and/or Current account.
- EMV Complaint (Chip and PIN technology).
- Contactless capability.
- Can be used for Balance enquiry, Quick Cash withdrawals, ATM Fund Transfers, Bills payment, Airtime top up on ATMs.
- Shop and make online payments within Nigeria.
- 3D secure transactions requiring One time password (OTP) for verification.
- Accepted in Nigeria, wherever the Interswitch or Mastercard logo is displayed.
- The card is valid for 5 years.
- Easy access to funds 24 hours a day/7 days a week.
- Eliminates the risk and inconvenience of carrying cash.
- Can be used across multiple channels – POS terminals, ATMs and WEB.
- Instantly available at any Sterling Bank branch Nationwide.
- Flexible spend limits is available on request.
- Affords the cardholder exclusive access to discounts at select merchant locations including experiential benefits by MasterCard.
- Also enabled for international transactions.
• ATM- N150,000
• Web- N1,000,000
• POS- N2,000,000
To apply, visit any of our branches nationwide to get an Instant card
Platinum Debit Card (USD)
Your MasterCard Platinum Dollar Card is designed to offer a wide range of exclusive services to complement your lifestyle. Enjoy enhanced transaction limits, and personalised services alongside a diverse bouquet of offerings.
- Dollar denominated.
- Debit card linked to USD Domiciliary account.
- Worldwide Acceptance wherever the Mastercard logo is displayed.
- Flexible spend limits are available on request.
- EMV compliant (Chip and PIN technology).
- Contactless capability.
- Supplementary card/Additional card for a loved one.
- Shop and make online payments worldwide.
- 3D secure transactions requiring One-time password (OTP) for verification.
- The card is valid for 5 years.
- For the list of benefits on your card, please visit www.priceless.com
- Access to over 1,000 airport lounges in over 135 countries worldwide with special privileges, complementary services, and discounts of up to 15%. Visit https://mastercardtravelpass.dragonpass.com/
- ATM- $1000
- Web- $2,500
- POS- $5,000
World Debit Card (USD)
Sterling Bank MasterCard World Card offers exclusive and premium benefits to suite the luxurious lifestyle of our High Net-worth individuals and Private Banking Clients.
- Dollar denominated.
- Debit card linked to USD Domiciliary account.
- Worldwide Acceptance wherever the Mastercard logo is displayed.
- Flexible spend limits are available on request.
- EMV compliant (Chip and PIN technology).
- Contactless capability.
- Supplementary card/Additional card for a loved one.
- Shop and make online payments worldwide.
- 3D secure transactions requiring One-time password (OTP) for verification.
- The card is valid for 5 years.
- For the list of benefits on your card, please visit www.priceless.com
- Access to over 1,000 airport lounges in over 135 countries worldwide with special privileges, complementary services, and discounts of up to 15%. Visit https://mastercardtravelpass.dragonpass.com/
- ATM- $1,000
- Web- Limitless
- POS- Limitless
World Elite Debit Card (NGN)
Sterling Bank MasterCard World Card offers exclusive and premium benefits to suite the luxurious lifestyle of our High Net-worth individuals and Private Banking Clients.
- Naira denominated.
- Worldwide Acceptance wherever the Mastercard logo is displayed.
- EMV compliant (Chip and PIN technology).
- Contactless capability.
- Shop and make online payments worldwide.
- 3D secure transactions requiring a One-time password (OTP) for verification.
- The card is valid for 5 years.
- Leisure and Entertainment.
- Collision and loss damage waiver up to $50,000.
- Also enable for international transactions.
- For the list of benefits on your card, please visit www.priceless.com
- Access to over 1,000 airport lounges in over 135 countries worldwide with special privileges, complementary services, and discounts of up to 15%. Visit https://mastercardtravelpass.dragonpass.com/
• ATM- N300,000
• Web- Limitless
• POS- Limitless
NB: This card is a premium card and issuance is only by invitation
Gold Debit Card (GBP)
Enhance your spending ability by spending directly from your GBP domiciliary account with the Sterling Visa Gold card. The card is an International debit card that affords you the convenience of accessing funds in your Domiciliary account anywhere in the world.
- Dollar denominated.
- Debit card linked to USD Domiciliary account.
- Worldwide Acceptance wherever the Mastercard logo is displayed.
- Flexible spend limits are available on request.
- EMV compliant (Chip and PIN technology).
- Contactless capability.
- Supplementary card/Additional card for a loved one.
- Shop and make online payments worldwide.
- 3D secure transactions requiring One-time password (OTP) for verification.
- The card is valid for 5 years.
- Easy access to funds 24 hours a day/7 days a week.
- Eliminates the risk and inconvenience of carrying cash.
- Can be used across multiple channels – POS terminals, ATMS and WEB.
- Multiple Value-added services – Airtime purchase, Bills payments, Funds Transfer.
- Instantly available at any Sterling Bank branch Nationwide.
- Exclusive access to discounts at selected merchant locations including experiential benefits by Mastercard.
- Dinning offers across 50 restaurants in Nigeria and Kenya.
- For the list of benefits on your card, please visit www.priceless.com
• ATM- £1000
• Web-£ 2000
• POS- £4000
To apply, visit any of our branches nationwide to request for a card
* Card applications can be made on OneBank (Sterling debit and standard cards only) and at any Sterling bank branch (all card types)
FAQs on Sterling Debit Cards
The Sterling Debit card costs N1,000 with an additional N75 VAT Charge.
You can get a debit card by requesting on OneBank, visiting the Sterling Bank branch closest to you, or contacting customer service.
Two (2) accounts – Savings & Current
There are 3 ways to activate:
In Branch Activation:
- Select your preferred four-digit PIN using the Twig POS at Sterling Bank branch.
ATM Activation
- Insert your Debit Card in the ATM
- Select “New card? Select PIN
- Enter a default four-digit PIN
- Select “Proceed button” to generate OTP
- See “Kindly note that your mobile phone will be used to complete your PIN selection”
- Enter the OTP on your mobile phone
- See successful PIN change.
OneBank Mobile App Activation:
- Login to OneBank App
- Go to Cards Menu
- Click on the Card Activation
- Select the card to activate
- Create a four-digit Pin
- Activate Card
USSD activation:
- Dial * 822 * 19 #
- Select 1 (Card Activation)
- Select Card Number you wish to activate. Ensure expiry date displayed matches the expiry date on card
- Set your preferred four-digit PIN
- *For POS transactions, ensure to change your pin on our ATM
VARIANT | Sterling Debit Card (NGN) | Standard Debit Card (NGN) | Gold Debit Card (GBP) | Platinum Debit Card (USD) | World Debit Card (USD) | World Elite Debit Card (NGN) |
Scheme | Verve | Mastercard | Mastercard | Mastercard | Mastercard | Mastercard |
Domestic ATM Withdrawal fee (Other Banks) | N35 after 3rd withdrawal | N35 after 3rd withdrawal | N35 after 3rd withdrawal | N35 after 3rd withdrawal | N35 after 3rd withdrawal | N35 after 3rd withdrawal |
International Withdrawal Fee | N/A | N/A | Minimum $3 or its equivalent | Minimum $3 or its equivalent | Minimum $3 or its equivalent | N/A |
VARIANT | Sterling Debit Card (NGN) | Standard Debit Card (NGN) | Gold Debit Card (GBP) | Platinum Debit Card (USD) | World Debit Card (USD) | World Elite Debit Card (NGN) |
Scheme | Verve | Mastercard | Mastercard | Mastercard | Mastercard | Mastercard |
Daily POS limit | N2,000,000 | N2,000,000 | £4,000 | $5,000 | $50,000 | N2,000,000 |
Daily Web/Online Limit | N1,000,000 | N1,000,000 | £2,000 | $2,500 | $50,000 | N1,000,000 |
You can use your Mastercard for International transactions. Your Verve card can be used for domestic transactions only.
Yes. You can make web purchases and use POS terminals that accept Verve and (or) Mastercard for payments.
Yes. For any purchase on the internet, you will receive a One Time Password (OTP) via SMS or email to validate you are the one using your Card.
- Block it immediately on OneBank.
- Quickly give us a call on 07008220000 or send an email to [email protected].
No. Your card must be activated (PIN Reset) before you can transact.
You can link the Mastercard Platinum Card to the USD Domiciliary account and link the Mastercard Gold Card to the GBP Domiciliary account.
