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Specta (Sterling Bank) Nigeria USSD Code
Fintech / Loan Provider · Dial from any phone on any network
Specta is Sterling Bank's digital lending platform, offering loans from ₦20,000 up to ₦5,000,000 with approval often completed within minutes. Since Specta runs on Sterling Bank's infrastructure, its loan application code is a sub-code of Sterling's own *822# USSD system.
Main USSD Code
*822*28#
// COMPLETE USSD CODES
All USSD codes for Specta (Sterling Bank). Tap or click any code to copy it.
| Service | USSD Code |
|---|---|
| Start Loan Application | *822*28# |
// GOOD TO KNOW
Specta's loan code, *822*28#, is a sub-menu of Sterling Bank's own *822# USSD code, the two are closely linked.
Specta loans range from ₦20,000 to ₦5,000,000, with interest between roughly 22.5% and 29.9%.
You'll need your Sterling Bank USSD PIN to confirm a Specta application.
// HOW TO USE
Follow these simple steps to use Specta USSD from any phone.
STEP 1
Dial *822*28#
Open your phone dialer and enter *822*28#, make sure you're calling from your registered phone number.
STEP 2
Choose a Service
Select the option you need, for example checking your limit or repaying a loan.
STEP 3
Enter PIN & Confirm
Enter your PIN if prompted to authorise the request. You'll get an SMS confirmation.
// FREQUENTLY ASKED QUESTIONS
Is Specta the same as Sterling Bank?
Specta is Sterling Bank's digital lending product, it runs on Sterling's own USSD infrastructure, which is why its code (*822*28#) is a sub-code of Sterling's main *822# code.
How much can I borrow from Specta?
Specta loans range from ₦20,000 to ₦5,000,000, depending on eligibility, with interest rates typically between 22.5% and 29.9%.
What is the USSD code for Specta?
Dial
*822*28# from your registered phone number to access Specta (Sterling Bank)'s services.Is it safe to use Specta's USSD code?
Yes, as long as you dial the verified code shown here and never share your PIN with anyone, including staff claiming to represent Specta.
Do I need internet or data to use Specta by USSD?
No. USSD runs over the same signalling channel as calls and texts, so it works without a data connection.