What Is Sterling Shield?
Sterling Shield is a fraud protection feature that automatically covers you for up to N5million against unauthorized digital transactions made on your Sterling Bank account through OneBank, Internet Banking, USSD and ATM
No signup. No paperwork. If fraud happens, we’ve got your back.
FAQs
Frequently Asked Questions
Do I need to sign up for Sterling Shield?
No. If you have a personal Sterling Bank account and have been actively transacting for at least 3 months, you’re already covered.
What kinds of fraud are covered?
Sterling Shield covers unauthorized transfers made through Sterling’s internal digital platforms, OneBank app, Internet Banking, USSD, ATM for Sterling-to-Sterling and interbank transfers.
What type of cover is included?
Here’s what your automatic cover includes:
| Scenario | What You Get | Reimbursement Timeline |
| Unauthorized Sterling-to-Sterling transfers | Up to ₦5,000,000 per incident | Within 48 hours |
| Unauthorized Interbank transfers | Up to ₦100,000 per incident | Within 5 business days |
| Customer error or negligence (one-time claim) | Refund up to ₦100,000 if eligible | Within 5 business days |
As long as you report the incident within 48 hours, we’ll take it from there.
Are business or joint accounts included?
Not at this time. Sterling Shield only applies to individual personal accounts.
How do I report fraud?
Reach out via any of our official channels:
- Call: 0700 822 0000
Email: - [email protected]
- Visit any Sterling branch
What’s not covered?
- Transactions via third-party apps or services
- Fraud involving external cards
- Repeat incidents from the same breach
- Joint, business, or corporate accounts
Beyond Banking
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