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 Verve Card is just for you. This debit card gives you 24hours 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.
• Multiple Value-Added Services – Airtime purchase, Bills payments, Funds Transfer.
• 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 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.
• Multiple Value-Added Services – Airtime purchase, Bills payments, Funds Transfer.
• Instantly available at any Sterling Bank branch Nationwide
• Flexible spend limits is available on request
Offers great discounts at merchant’s location
• 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
• Flexible spend limits is available on request
• Affords the cardholder exclusive access to discounts at select merchant locations including experiential benefits by MasterCard.

• 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, personalized 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 is 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

In addition to the benefits associated with the standard and Gold card, you also enjoy

• Purchase Protection – Short-term insurance (90 days) against loss, theft/specified causes of accidental damage to goods up to $5000
• Cleartrip airline discounts up to 30% on your travel bookings
• Car rental discounts up to 15% off your next car rental across Europe, the Middle East, Africa and Asia
• European shopping village offers up to 60%
• MyUS premium shipping discounts up to 20% off shipping for 2years
• Free Yudala shipping at anywhere in Nigeria
• Supermart grocery shopping discounts of N1000 off any purchase of N10,000 or more
• Dinning offers across 50 restaurants in Nigeria and Kenya
• Leisure and Entertainment – Access to hundreds of Buy 1 Get 1 offers throughout Middle East and Africa
• Legacy lifestyle membership rewards up to 6% of spend on accommodation

• 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
• 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
• Higher spending limit
• Access over 1000 airport lounges in over 135 countries worldwide with lounge key embedded in your card
• Special privileges and discounts of up to 15% at over 470 airports globally and other complementary services with Concierge services
• Dinning offers across restaurants
• Luxury serviced apartment discounts of 15%
• Shopping and Shipping made easy – Ship your online purchases home for less-Shop at thousands of U.S online stores with a discount on shipping using MYUS.com.
• Leisure and Entertainment – Access to hundreds of Buy 1 Get 1 offers throughout Middle East and Africa
• Car rental and Chauffeur discount up to 25% discount off your next car rental
• Travel and Medical Insurance up to $500,000.
• Premium service at all Sterling Bank’s branches by simply displaying your Card to the Customer
• Experience Management Personnel (CEMPs) at the Customer Service Desk.

• ATM- $1,000
• Web- Limitless
• POS- Limitless

To apply, visit any of our branches nationwide or contact your relationship Manager to request for a card

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
• Debit card linked to USD Domiciliary account
• Worldwide Acceptance wherever the MasterCard logo is displayed
• 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
• Higher spending limit• Access over 1000 airport lounges in over 135 countries worldwide with lounge key
• Concierge – Enjoy special privileges and discounts of up to 15% at over 470 airports globally and other complementary services
• Dinning offers across 50 restaurants in Nigeria and Kenya
• Luxury serviced apartment discounts of 15%. Visit www.mastercard.com/world for more details.
• Shopping and Shipping made easy – Ship your online purchases home for less-Shop at thousands of U.S online stores with a discount on shipping using MYUS.com.
• Leisure and Entertainment – Access to hundreds of Buy 1 Get 1 offers throughout Middle East and Africa
• Collision and loss damage waiver up to $50,000.
• Priceless Cities – Access handpicked experiences and offers in cities around the world.
• Travel and Medical Insurance up to $500,000.
• Premium service at all Sterling Bank’s branches by simply displaying your Card to the Customer
• Experience Management Personnel (CEMPs) at the Customer Service Desk.

• ATM- N300,000
• Web- Limitless
• POS- Limitless
To apply, visit any of our branches nationwide to request for a card

Gold Debit Card (GBP)

Enhance your spending ability by spending directly from your GBP domiciliary account with the Sterling MasterCard 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.

• Pound denominated
• Debit card linked to GBP Domiciliary account
• Worldwide Acceptance wherever the MasterCard logo is displayed
• 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.
• Flexible spend limits is available on request.
• Affords the cardholder exclusive access to discounts at select merchant locations including experiential benefits by MasterCard.
• Dining offers across 50 restaurants in Nigeria and Kenya
• Leisure and Entertainment – Access to hundreds of Buy 1 Get 1 offers throughout Middle East and Africa.

  • • ATM- £1000
    • Web-£ 2000
    • POS- £4000

    To apply, visit any of our branches nationwide to request for a card

FAQs on Sterling Debit Cards

Your Debit Card can be issued instantly at any Sterling Bank Branch Nationwide.

Sterling salary account holders, Sterling bank HNIs customers, business owners willing to secure the approved card limit with their investment /cash domiciled in the Bank and non-Sterling bank account holders

Your Savings and/or Current Account.

There are 3 ways to activate:

– In-Branch activation

           Select your preferred four-digit PIN using the POS at Sterling Bank branch

– USSD activation

  1. Dial * 822 * 19 #
  2. Select 1 (Card Activation)
  • Select Card Number you wish to activate. Ensure expiry date displayed matches the expiry date on card
  1. Set your preferred four-digit PIN

     *For POS transactions, ensure to change your pin on our ATM.

  • 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

Web transaction

Free

POS transaction

Free

ATM transaction(International)

N240 (International only)

ATM transaction (Domestic)

N65 after the 3rd transaction (on another bank’s ATM)

Daily ATM Withdrawal

N150,000

Daily POS Transaction

N2,000,000 (Subject to increase upon request)

Daily WEB Transaction

N1,000,000 (Subject to increase upon request)

You can use your Visa or MasterCard for International transactions. Your Verve card can be used for domestic transaction only.

Yes. Your Debit Card can be used on all ATM, Websites and POS that accept Verve, MasterCard and Visa for payment.

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.

Call our customer care on 07008220000 or send an email to customercare@sterling.ng