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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.

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  • 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

A Sterling debit card costs NGN 1,000 plus N75, being VAT of 7.5% on card issuance fee.

Requests for a new instant debit card can be made at any of our branches nationwide. You may also request through the Sterling OneBank mobile app and pick card up at any of our branches closest to you.

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)

N35 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 [email protected]

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