# Sterling OneBank — OneBank

> Digital bank for instant accounts, money transfers, bill payments, and loans. (iPhone/iPad app by Sterling Bank Plc.)

- Source: https://appshunter.io/ios/app/sterling-onebank/id1489139430 (this page in markdown: same URL + `.md`)
- Developer: [Sterling Bank Plc](https://appshunter.io/developer/904621992)
- Category: Finance
- Price: Free
- Rating: 3.27/5 from 920 App Store ratings · 206 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 175 MB
- Languages: English
- Released: 2020-01-24
- Data updated: 2026-08-24
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/sterling-onebank/id1489139430/reviews.md

## What is Sterling OneBank?

About The App

OneBank is a 100% Digital Bank! In here, you can open an instant account, send and receive money, pay bills, buy airtime & data, invest and get a loan all in one place.

It offers you a new way of life with exciting features, an excellent user experience and top-notch security.

OneBank is powered by Sterling Bank

Features & Benefits

· An Elegant Look & Feel

Bank with style and enjoy a sleeker new interface designed specially for you

· More Seamless Onboarding

Convenience is our keyword; you can open an account within minutes from the comfort of your mobile

· Debit Cards

Request a Debit Card and we will bring it to you. You can also create a Virtual Card for online payments within minutes

· Bill Payments

Enjoy swift bill payments from Electricity to Cable TV to Internet Services

· Airtime and Data Top-up

Buy Airtime and Data plans for yourself or loved ones with a few clicks

· An Improved Budgeting Feature

So you can plan your spending and see where your money goes

· Payment Links

Now you can request money from friends & family via a simple link

· FX Swap

Enjoy convenience and say goodbye to currency conversion hassles

· Verve Ultra Card Request

No more Insufficient Funds, get a line of credit to cover emergency expenses with the Verve Ultra Card

· Dispute Management

Get help with your transactions when you need it, from the comfort of your mobile

· In-app Notifications

Manage your alerts & notifications and stay in the loop of what’s happening

· ATM/Branch Locator

Use the locator to find the Sterling Bank Branch or ATM closest to you

## Key features

- Instant account opening
- Send and receive money
- Bill payments
- Airtime and data top-up
- Investments and loans
- Virtual and debit cards
- Budgeting tools

## What do users think of Sterling OneBank?

Overall sentiment: neutral

**Pros**

- 👍 User-friendly interface
- 🚀 Fast and reliable
- 💫 Excellent customer service
- 🔒 Secure banking experience
- 💯 Seamless transactions
- 🌟 Top-notch features

**Cons**

- 🐛 Frequent app crashes
- ⚠️ Login issues
- 💸 Failed transactions with no refunds
- 🕰️ Slow response times
- 🤔 Confusing app updates
- 🤯 Frustrating customer support

**Commonly reported bugs**

- Account locking issues
- Transfer option not working
- Inability to upload documents
- App crashing on certain devices
- Delayed transaction processing

**Most requested features**

- Transaction history logs
- Savings account options
- Dark mode support
- Improved in-app notifications
- Live chat support

## Recent user reviews (10 of 206)

All indexed reviews: https://appshunter.io/ios/app/sterling-onebank/id1489139430/reviews.md

### 2/5 — Bad Upgrade

*2026-07-15, version 3.0.6.1*

Since the upgrade, I have not been able to make a payment from my beneficiaries list. Now I have to find the account number and bank of the person I want to pay. This is a basic function and that it doesn’t work is highly disappointing.

### 5/5 — Great

*2026-07-13, version 3.0.6.1*

Excellent upgrade

### 1/5 — APP IS NON-FUNCTIONAL

*2026-07-04, version 3.0.6.0*

I sent money to my account, I got the email alert with my balance , but in the app, the 0 at the back has been removed, turning 31000 balance to 3100, and I can’t send out my money.

What exactly is going on with this bank?

### 1/5 — Very Poor network

*2026-06-30, version 3.0.6.0*

Very bad network

### 1/5 — Terrible

*2026-05-30, version 3.0.6.0*

Close your bank

### 5/5 — Sterling bank mobile app security is awesome 👌

*2026-05-09, version 3.0.6.0*

And the network is always stable 👍🙏🇳🇬

### 1/5 — The most useless bank ever

*2026-05-07, version 3.0.6.0*

The most useless bank ever

### 1/5 — Not refund back

*2026-03-13, version 3.0.6.0*

I made a transfer out and it was reversed back to me but still yet my money didn’t show in my balance and it’s not the first time that it will happen and this one is yet to be delivered to me back

### 1/5 — Bank network not reliable

*2026-03-02, version 3.0.6.0*

Most times it will take you guys more than 24hrs to send OTP

### 1/5 — Log in failure

*2025-12-20, version 3.0.5.8*

I have been unable to log into my app for about a day. 
Not sure what the issue is. Can someone look into this pls

## Frequently asked questions about Sterling OneBank

### What is Sterling OneBank?

Sterling OneBank is a 100% digital banking application that provides a comprehensive platform for managing your finances. You can instantly open an account, send and receive money, pay bills, purchase airtime and data, invest, and even get a loan, all within a single app.

### What are the key features of Sterling OneBank?

Key features include instant account opening, a sleek user interface, seamless onboarding, the ability to request physical and virtual debit cards, swift bill payments, airtime and data top-ups, an improved budgeting feature, payment links for requesting money, FX swap, dispute management, in-app notifications, and an ATM/branch locator.

### Is Sterling OneBank free to use?

Based on the provided information, the app is free to use. There are no mentions of subscription fees, in-app purchases, or ad-supported models, indicating it is a free service.

### What can I use Sterling OneBank for?

You can use Sterling OneBank for a wide range of daily financial activities. This includes opening an account, transferring money, paying utility bills and cable TV subscriptions, buying airtime and data plans, tracking your spending with budgeting tools, and accessing investment and loan services.

### Is Sterling OneBank secure?

The app description highlights top-notch security as a key benefit. While specific security measures are not detailed, the emphasis on security suggests that user data and transactions are protected.

## Version history (last 5 releases)

### 3.0.6.1 — 2026-07-07

Instant Pay
Performance and stability improvements

### 3.0.6.0 — 2026-02-12

Bug fixes

### 3.0.5.9 — 2026-01-14

App performance enhancement
Onebank Wrapped

### 3.0.5.8 — 2025-12-14

Performance enhancement
Bug fix

### 3.0.5.7 — 2025-10-26

App enhancement and bug fixes

## Apps similar to Sterling OneBank

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Access More](https://appshunter.io/ios/app/access-more/id1501024389) | 4.7 (116,823) | Free | Finance |
| [FirstMobile App](https://appshunter.io/ios/app/firstmobile-app/id1039809331) | 3.1 (1,975) | Free | Finance |
| [Cowrywise: Save & Invest Money](https://appshunter.io/ios/app/cowrywise-save-and-invest-money/id1436590033) | 4.6 (12,464) | Free | Finance |
| [Carbon: Mobile Banking & Loans](https://appshunter.io/ios/app/carbon-mobile-banking-and-loans/id1494856668) | 4.5 (10,188) | Free | Finance |
| [ALAT](https://appshunter.io/ios/app/alat/id1222853161) | 3.5 (2,342) | Free | Finance |
| [PiggyVest: Save & Invest Today](https://appshunter.io/ios/app/piggyvest-save-and-invest-today/id1263117994) | 4.6 (7,143) | Free | Finance |

## More apps by Sterling Bank Plc

- [Sterling mToken](https://appshunter.io/ios/app/sterling-mtoken/id1411949930)
- [Switch by Sterling](https://appshunter.io/ios/app/switch-by-sterling/id1494153941)
- [SterlingPro](https://appshunter.io/ios/app/sterlingpro/id1508072974)
- [Altbank](https://appshunter.io/ios/app/altbank/id1513246800)
- [Altinvest](https://appshunter.io/ios/app/altinvest/id1526012590)

All apps by Sterling Bank Plc: https://appshunter.io/developer/904621992

## Related topics

[one bank](https://appshunter.io/ios/topics/one-bank) · [one bank app](https://appshunter.io/ios/topics/one-bank-app) · [starling bank](https://appshunter.io/ios/topics/starling-bank) · [specta](https://appshunter.io/ios/topics/specta) · [banker by sterling](https://appshunter.io/ios/topics/banker-by-sterling) · [alternative bank](https://appshunter.io/ios/topics/alternative-bank) · [1 bank](https://appshunter.io/ios/topics/1-bank) · [altbank](https://appshunter.io/ios/topics/altbank) · [sterling federal bank](https://appshunter.io/ios/topics/sterling-federal-bank) · [keystone bank](https://appshunter.io/ios/topics/keystone-bank) · [keystone first](https://appshunter.io/ios/topics/keystone-first) · [keystone banking](https://appshunter.io/ios/topics/keystone-banking)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*