Sterling Bank faq
Sterling Bank faq
Sterling Bank Online-Personal

Sterling Bank Online-Personal is an internet-based banking facility that gives you access to your enrolled Sterling Bank of Asia deposit accounts and performs certain banking transactions through your preferred internet-enabled device such as desktop computer, laptop, tablet, and smart mobile phones.

You can do the following banking transactions with your enrolled account/s in Sterling Bank Online-Personal:

a. Monitor your account balances
b. View transaction history in the last six (6) months
c. Pay bills anytime, anywhere
d. Transfer funds easily to any Sterling Bank of Asia savings or checking account
e. Transfer funds to other local banks via InstaPay and PESONet
f. Open another savings account
g. Place time deposit account/s
Reorder Checkbook
i. Request for Manager’s Check
j. Inquire the status of your deposited and issued check/s
k. Issue a stop payment order to your issued check/s
l. Apply for an Auto Loan, Personal Loan, and/or Home Loan
m. Schedule bills payment and/or fund transfer transactions
n. Find and locate any Sterling Bank of Asia branch

Sterling Bank Online-Personal utilizes a 3-Level Security:

a. It’s hosted in a secure server and data is encrypted during transmission.
b. It requires a valid username and password before accessing the system.
c. It requires a One-Time Password (OTP) before logging in via web and before processing your banking transaction request.

The One-Time Password is a unique code sent directly to your registered PH mobile or roaming number to process your financial banking transaction/s on Sterling Bank Online-Personal.

Any internet-enabled device with any of the following web browser specifications may be used to enroll your Sterling Bank account in Sterling Bank Online-Personal:

  • Google Chrome Version 45.00 or above
  • Microsoft Edge (any version)
  • Mozilla Firefox Version 40.00 or above
  • Safari Version 5.1 or above

The facility may be accessed through:

a. Sterling Bank website – visit Sterling Bank Online-Personal internet banking.
b. Sterling Bank Online mobile app – download from the Apple Store for iOS devices or from Google Play Store for Android devices to access your accounts anytime, anywhere.

To access your account in Sterling Bank Online-Personal, you need to enroll first your active Current or Savings account via internet banking. Log on to Sterling Bank Online-Personal internet banking to register.

Enrolling your account in Sterling Bank Online-Personal is easy as 1-2-3! Here’s how:

1. Go to Sterling Bank Online-Personal internet banking. Select ‘New Enrollment’, fill-out the online form, and confirm the details.
2. Enter the One-Time-Password (OTP) that will be sent to the registered mobile number with the bank.
3. Return to the login page, enter the username & password, and click ‘Login’.

You can watch the enrollment tutorial video here.

You need the following information to enroll your account:

a. 12-digit account number 
b. Username [minimum of six (6) alphanumeric characters]
c. Password

  • minimum of eight (8) characters
  • must include at least one (1) of each of the following: uppercase letter, lowercase letter, numeric character, and special character (!@#$%^&*()+=<>;)

d. Last Name, First Name, Middle Name*
e. Date of Birth
f. Email Address

Please note that the information you provide during online enrollment (a, d-f) must be the same with the data provided to your branch of account. If you wish to update your information, please call your branch of account or click here to update your bank records with us.

*If this information is included in your bank record with Sterling Bank of Asia.

i. Savings Account
a. Solo Savings account
b. Solo Basic Savings account
c. NEO Savings account (account holder should be at least 18 years old)
d. Bayani OFW Savings account
e. US Dollar / CNY Savings account

ii. Checking Account
a. Duo Checking account

iii. Joint “or” accounts  
Accountholders should enroll the account separately and should have different usernames and passwords.

Your Sterling Bank Online account is already suspended/locked if you have not logged in for three (3) consecutive months since your enrollment date. To activate our account, kindly call your branch of account or our Customer Service Helplines at +632 8721-6000 or +632 8672-6300.

If your enrollment was done not more than thee (3) months ago, you can still access your account. Simply log in via the Sterling Bank Online-Personal internet banking or mobile app. For the mobile app, you may download it from the App store or Google Play using your mobile phone or tablet.

From the Sterling Bank Online log in page, kindly select “Forgot your Login ID/Password?” to reset your password and nominate a new one. Once you have completed the steps for password reset, you will be able to log in to your account again.

Fund Transfer from your Sterling Bank Online account to other Sterling Bank accounts is free.

Fund transfers to other local banks through Sterling Bank Online has a minimal fee of Php15.00 per transaction, for both InstaPay and PESONet. The fee will be charged to the account you used for the fund transfer.

Fund transfers to other Sterling Bank accounts are received in real time.

For fund transfers to other local banks, the money will be received in real time if you selected InstaPay as the mode of transfer. However, if you chose PESONet, there is a cut-off time of 1:30PM. All fund transfers before the 1:30PM cut-off will be received in the recipient’s account on the same day. If done after the 1:30PM cut-off or on a weekend/holiday, it will be available to the receiver’s account the next banking day.

If your recipient is another Sterling Bank account, the limit will depend on the daily transaction limit you have set in the Manage Transaction Limit (available in the Settings menu) of your account.

For fund transfers via InstaPay, there is a maximum of Php50,000 fund transfer amount per transaction.

For PESONet fund transfers, the maximum transaction limit depends on the 3rd Party transaction limit you have set in your Sterling Bank Online account. However, please note that the daily aggregate transaction limit is up to Php500,000 only.  

Manage Favorites is a feature that allows you to save Sterling Bank account details of a 3rd Party Sterling Bank account/beneficiary you frequently send money to or payee details of a merchant you often do Bills Payment transactions with. Manage Favorites is not yet available for fund transfer to other banks via InstaPay or PESONet.

This feature may only be set-up when you log in to your account via the web browser. It’s not yet available via the Sterling Bank Online mobile app.

Once you have logged in to your Sterling Bank Online account, kindly go to the Settings menu then select Manage Favorite Account. Choose whether you want to enroll a Sterling Bank beneficiary account or a Bills Payment merchant account. Kindly provide all the information requested and input the OTP once done to confirm adding your Favorite account.

To ensure that your account is safe and secure, Sterling Bank Online has an Alerts feature that sends you messages via email, SMS, or both when you do financial transactions.  Kindly ensure that the email and SMS alerts are enabled under the Settings - Manage Alerts feature of your Sterling Bank Online.

 Once activated/enabled, you will receive notification/s either via email, SMS, or both for account transactions amounting to Php4,000 & above.

 For transactions that are below Php4,000, you will receive a transaction email notification to your registered email address for financial transactions performed via Sterling Bank Online.

You need to call your branch of account or any Sterling Bank branch to request an update of your bank records. For the list of Sterling Bank branches, click here.

Kindly contact your branch of account should you have concerns or questions about Sterling Bank Online-Personal. You may also contact our 24/7 Customer Service Helplines at +632 8721-6000 or +632 8672-6300. You can also send an email to


Device Linking

Device Linking, also called Device Binding, is an additional security feature of Sterling Bank Online - Personal that allows the users to link their trusted mobile device/s to their Sterling Bank Online account upon first log in to their Mobile Banking App.

Through this new security feature, you will have peace of mind knowing that access to Sterling Bank Mobile Banking App will only be through your trusted device/s.

To link your Sterling Bank Mobile Banking App to the device/s you trust, you need to log in to your Sterling Bank Online account through the mobile device/s you want to link.

Upon first login, a screen asking you to link the mobile device will be displayed on the screen. Choose Yes and enter the OTP that will be sent to your email address or mobile number to complete the device linking. A confirmation screen will then be displayed once you have successfully linked the mobile device.

Click here to view the sample screens.

You may link up to a maximum of three (3) devices. To illustrate, you may link your Sterling Bank Online account to your mobile phone (1st), tablet (2nd), and iPad (3rd).

Your mobile device is linked to one (1) login credential only. This means that another user cannot access Sterling Bank Online using your device that has already been linked to your account.

You can easily update the mobile device/s linked to your account by doing the following:

  1. Log in to your account via Sterling Bank Internet Banking (via web browser).
  2. Go to Settings.
  3. Select Manage Devices.
  4. Choose which mobile device you want to remove from the list.

Currently, Sterling Bank Mobile Banking App is available on devices with Google Playstore (Android) and App Store (IOS) only.

To access your Sterling Bank Online account, you may log in via a web browser and visit Sterling Bank Online - Personal.

For IOS, users will be asked to link the mobile device again upon first login after re-installing the Sterling Bank Online Mobile Banking App. For Android, users will no longer be asked to link the device again.

For assistance or inquiries, you may contact your branch of account or call our 24/7 Customer Service Helplines at +632-8721-6000 and +632 8672-6300 or email us at