How to upgrade Sterling Bank Account Easily (Online & Offline)

Sterling Bank is a full-service commercial bank in Nigeria, with over 60 years of experience. It is one of the largest banks in the country, with a network of over 400 branches and ATMs nationwide. Sterling Bank offers a wide range of banking products and services, including savings accounts, current accounts, loans, mortgages, investment products, and wealth management services. The bank also provides innovative digital banking solutions, such as mobile banking, internet banking, and mobile payments.

Sterling Bank is committed to providing its customers with excellent service and value. The bank has won numerous awards for its customer service, including the Best Retail Bank in Nigeria award from The Banker magazine. Sterling Bank is also a leader in corporate social responsibility, and the bank supports a number of charitable organizations and initiatives.

Is your Sterling Bank account feeling a bit stagnant? Maybe you're tired of the same old features and limitations. Or perhaps you've reached a new stage in your financial journey and need a more robust account to match. Whatever the reason, upgrading your Sterling Bank account is a great way to unlock a world of financial possibilities.

But where do you begin? Don't worry, this comprehensive guide will walk you through every step of the process, both online and offline.

Why Upgrade Your Sterling Bank Account?

Before diving in, let's explore the benefits of upgrading your account:

  • Increased Transaction Limits: Need to make larger payments or transfer more funds? Upgraded accounts often offer higher transaction limits, giving you greater flexibility.
  • Enhanced Security Features: Stay ahead of cyber threats with advanced security features like multi-factor authentication and transaction notifications.
  • Priority Customer Service: Enjoy faster response times and dedicated support from experienced customer service representatives.
  • Access to Exclusive Products and Services: Unlock exclusive benefits like premium credit cards, investment opportunities, and wealth management services.
  • Rewards and Loyalty Programs: Earn points, rebates, and other rewards for your everyday banking activities.
  • Upgrading your account is an investment in your financial future. It empowers you to manage your money more efficiently, access new opportunities, and achieve your financial goals faster.

Before Upgrading Your Sterling Bank Account Essential Documents Needed

To ensure a smooth and efficient upgrade process for your Sterling Bank account, it's crucial to have the following documents and information ready:

  • Valid Identification: International Passport: This is a widely accepted form of identification and can be readily presented.
  • Voter's Card: A valid Nigerian voter's card serves as a valid proof of identity. National ID Card: This is the official national identification document issued by the Nigerian government and is readily accepted for verification. Driver's License: A valid Nigerian driver's license can be used as an acceptable form of identification.
  • Proof of Address: Utility Bills: Recent utility bills from the past three months are required. These can include electricity bills (NEPA bills), rent receipts, or any other official bill with your name and address clearly printed on them. Bank Statement: Your latest bank statement can be used as proof of address if it shows your current residential address.
  • Passport Photograph: Have a recent passport-sized photograph readily available. This should be in color and clearly show your face against a plain background.
  • Signed Account Upgrade Form: The bank will provide you with an account upgrade form. This form requires you to accurately fill out all the requested information and sign it yourself. Ensure you read and understand the terms and conditions before signing.

How to upgrade Sterling Bank account easily (Online & Offline)

Sterling Bank understands that convenience is key. That's why they offer two convenient ways to upgrade your account: online and offline.

How to upgrade Sterling Bank account easily Online 

For tech-savvy individuals, the online upgrade process is a breeze. Here's how it works:

  • Log in to your Sterling Bank online account.
  • Locate the "Upgrade Account" option on the dashboard or within the account settings.
  • Choose the desired account type you wish to upgrade to.
  • Review the terms and conditions carefully.
  • Provide any additional information requested by the bank.
  • Submit your request and wait for confirmation.

How to upgrade Sterling Bank account easily Offline

For those who prefer personal interaction, the offline upgrade process is just as simple. Here's what you need to do:

  • Visit any Sterling Bank branch.
  • Meet with a customer service representative and inform them about your intention to upgrade your account.
  • Provide your account details and any required documentation.
  • Sign the necessary paperwork and complete the upgrade process.


What is the minimum balance in Sterling Bank?

The minimum balance required in a Sterling Bank account can depend on the type of account you hold. Different account types may have different minimum balance requirements. You can find more information about specific account types and their minimum balances on the Sterling Bank website or by contacting their customer service.

How do I increase my Sterling Bank transfer limit?

Increasing your transfer limit with Sterling Bank often requires upgrading your account to a higher tier. Each tier comes with varying transaction limits.

Contact your nearest Sterling Bank branch or their customer service for information on specific account tiers and their associated limits. Upgrading usually involves providing additional documentation and meeting certain criteria.

Where can I download the Sterling Bank mobile app?

You can download the Sterling Bank mobile app from your device's app store, such as the Google Play Store or the Apple App Store.

For more information about Sterling Bank, please visit their website at

Can I use my NIN to upgrade my bank account?

Yes, you can use your National Identification Number (NIN) to upgrade your bank account at Sterling Bank. This aligns with the Central Bank of Nigeria's directives. Your NIN acts as a unique identifier and is linked to your personal information.


I trust that this guide has proven valuable in furnishing you with the necessary details to upgrade your Sterling Bank account. The upgrade process can markedly improve your banking experience by granting you access to a broader array of features, increased transaction limits, and heightened security measures.

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