Step Up to 3

Get 10% cashback this month (capped) when you activate and use 3 or more Sterling products.

Learn More Opt In to Participate

Terms and Conditions Apply

Sterling customer using digital banking products

How It Works

Activate and use 3 or more eligible Sterling products

01

Opt in

Submit your details to register your interest in the Step Up to 3 campaign.

02

Use eligible products

Activate and use at least 3 qualifying Sterling products within the campaign period.

03

Get cashback

Complete qualifying transactions and earn 10% cashback capped at ₦5,000 per customer.

Who Can Participate

For Sterling savings and current account holders

Existing and new Sterling customers

Account holders aged 18 and above

The campaign is open to individual Sterling savings and current account holders.

Using fewer than 3 eligible products?

Activate and use 3 or more qualifying Sterling products to participate.

OneBank is required

If you are not already an active OneBank user, activate and use OneBank to qualify.

Choose Your Channel

Use any of our eligible products to qualify

OneBank App

Transfer money, pay bills, buy airtime, and manage your account easily.

Download OneBank

Sterling Debit Card

Pay online, in-store, and access your money anytime.

Request on OneBank

Target Savings Account

Save towards your goals with structured savings.

Get Started

Kids & Teens Account

Build smarter savings habits for your child's future.

Get Started

Specta Loan

Access quick financial support when you need it.

Get Started

Opt In

Opt in to participate

Enter your details to get started and participate in the Step Up to 3 campaign.

Full Name Phone Number Email Address Sterling Account Number

FAQ

Frequently asked questions

What is Step Up to 3?

Step Up to 3 is a customer reward campaign that encourages customers to use more Sterling banking products and enjoy 10% cashback on qualifying OneBank transactions.

Who can participate?

The campaign is open to existing and new Sterling individual savings and current account holders aged 18 years and above who currently use fewer than 3 eligible Sterling products.

How do I qualify for the campaign?

To qualify, you need to:

  • Opt in to the campaign.
  • Activate and use 3 or more eligible Sterling products.
  • Complete at least one valid transaction on each product within 30 days.
Which Sterling products qualify for the campaign?

Eligible products include:

  • OneBank App.
  • Sterling Debit Card.
  • Target Savings Account.
  • Kids & Teens Account.
  • Specta Loan.
Do I need to use OneBank to participate?

Yes. If you are not already an active OneBank user, activating and using OneBank is mandatory for participation.

What transactions qualify for the campaign?

You must complete at least one valid and successful transaction on each activated product within the 30-day campaign period.

What reward will I receive?

Eligible customers will earn 10% cashback, capped at ₦5,000 per customer, on qualifying OneBank transactions completed during the campaign period.

When will cashback be paid?

Cashback rewards will be paid within 7-14 business days after eligibility verification and compliance checks are completed.