FAQ

Creating an account is simple: Click on the "Register" or "Sign Up" button on our homepage, fill in your personal information including name, email, and phone number, create a secure password, verify your email address through the link sent to your inbox, complete KYC (Know Your Customer) verification by uploading required documents, and once approved, start using all our banking services immediately.

Absolutely! We employ bank-grade security measures including 256-bit SSL encryption, two-factor authentication (2FA), regular security audits, secure data centers with 24/7 monitoring, and compliance with international banking regulations. Your funds are protected and we maintain strict security protocols to ensure the safety of your assets.

For KYC verification, you will need a government-issued photo ID (passport, driver's license, or national ID card), proof of address (utility bill, bank statement, or rental agreement dated within the last 3 months), and a recent photograph. Some services may require additional documents such as proof of income or employment verification.

You can deposit money using multiple methods: bank wire transfer, ACH transfer, debit/card credit, check deposit through mobile app at partner locations, or through supported payment gateways like PayPal, Stripe, and cryptocurrency.
Simply go to the Deposit section in your dashboard, select your preferred method, enter the amount, and follow the instructions.

Deposit processing times vary by method: Bank wire transfers take 1-3 business days, ACH transfers process within 1-2 business days, card payments are instant, cryptocurrency deposits require 3-6 confirmations (typically 30-60 minutes), and check deposits take 2-5 business days. You will receive a notification once your deposit is confirmed.

To withdraw funds, navigate to the Withdrawal section in your dashboard, select your preferred withdrawal method (bank transfer, ACH, check, or other options), enter the withdrawal amount, provide the necessary details (bank account information, etc.), and submit your request. Withdrawals are typically processed within 24-48 hours on business days.

Fee structures depend on the method used: Most bank transfers have a minimal processing fee or are free, card payments may incur a 2-3% processing fee, ACH transfers are typically free, international wire transfers have higher fees, and cryptocurrency transactions have network fees. Check our Fee Schedule page for detailed information on all transaction fees.

Minimum withdrawal amounts vary by method, typically ranging from $10 to $50. Maximum withdrawal limits depend on your account verification level: Basic verified accounts can withdraw up to $5,000 per day, fully verified accounts can withdraw up to $50,000 per day, and corporate accounts have customized limits. Contact support for higher limits.

We offer a comprehensive range of loan products: Personal loans for emergency or general purposes, home loans for property purchase, auto loans for vehicle financing, business loans for SME growth, education loans for students, medical emergency loans for healthcare needs, debt consolidation loans, and wedding/vacation loans. Each loan type has specific terms, interest rates, and eligibility criteria.

Applying for a loan is straightforward: Log in to your account and go to the Loans section, browse available loan plans and select one that fits your needs, fill out the loan application form with required information, upload necessary documents (ID proof, income proof, etc.), submit your application for review, and wait for approval (typically 24-48 hours). Once approved, funds will be disbursed to your account.

Interest rates vary based on loan type and duration: Personal loans range from 5% to 8.5% annually, home loans have rates from 3.5% to 5% annually, business loans range from 6% to 7% annually, education loans start at 3.75% annually, and auto loans are around 4.25% annually. Rates are competitive and depend on your credit profile, loan amount, and repayment tenure.

Loan repayments are made through monthly installments automatically deducted from your account balance. You can also make manual payments through your dashboard, pay in advance to reduce interest charges, or pay the full amount before maturity without prepayment penalties. All repayment schedules and due dates are clearly displayed in your loan dashboard.

Missing a loan payment may result in late fees (typically $50-$100 fixed or a percentage of the missed installment), additional interest charges on the overdue amount, and negative impact on your credit score or account standing. If you anticipate difficulty making a payment, please contact our support team immediately to discuss possible solutions or payment extensions.

An FDR is a financial instrument where you deposit a lump sum amount for a fixed period at a predetermined interest rate. At maturity, you receive your principal amount plus the accumulated interest. FDRs are low-risk investment options ideal for conservative investors seeking guaranteed returns with capital protection.

We offer flexible FDR tenures: 3-month FDR at 3.5% interest, 6-month FDR at 4.25% interest, 1-year FDR at 5% interest with compounding option, 2-year FDR at 5.75% interest, 3-year FDR at 6.5% interest, and 5-year FDR at 7.25% interest with maximum returns. Senior citizens receive an additional 0.5% interest on all FDR plans.

Yes, premature withdrawal is allowed on most FDR plans, subject to penalties: Anytime withdrawal plans charge 0.5% to 2% penalty on the principal amount, fixed-term plans allow withdrawal only after a specified lock-in period (e.g., 180 or 365 days), and tax saver FDRs cannot be withdrawn before the 5-year lock-in period. Interest earned may be reduced for early withdrawals.

Select FDR plans allow additional deposits (top-ups) during the tenure: Flexi FDR plans allow unlimited additions, standard plans may allow 3-10 additions with specified minimum and maximum amounts, and some plans may charge a small processing fee (typically $10-$50) for each addition. Check your specific plan details for top-up eligibility and limits.

DPS is a recurring deposit scheme where you deposit a fixed amount at regular intervals (monthly, quarterly, or half-yearly) for a predetermined period. Unlike FDR which requires a lump sum, DPS allows you to save systematically over time. At maturity, you receive your total deposits plus accumulated interest, making it ideal for goal-based savings.

DPS works on a simple principle: Choose a DPS plan based on your savings goal and capacity (e.g., $200 monthly for 3 years), deposits are automatically deducted from your account on the scheduled date, interest is calculated on your cumulative deposits, and at maturity, you receive the total deposited amount plus accumulated interest. For example, depositing $200 monthly for 36 months at 7% interest yields approximately $8,712.

Missing a DPS installment may result in a grace period (typically 7-15 days) to make the payment without penalty, late payment fee (usually $5-$20) after the grace period expires, and possible plan cancellation if multiple consecutive installments are missed. Some flexible plans allow you to skip a limited number of payments. We recommend setting up automatic payments to avoid missing installments.

Most DPS plans allow premature closure, but terms vary: Anytime cancellation plans charge 1-3% cancellation fee, fixed-term plans require minimum holding period before cancellation is allowed, cancellation may result in reduced interest rates on your deposits, and you will receive your principal deposits minus any penalties. It's recommended to complete the tenure for maximum benefits.

To transfer funds to another bank: Go to the Fund Transfer section in your dashboard, select "Bank Transfer" or "Wire Transfer", enter recipient's bank details (account number, routing number, SWIFT code), specify the transfer amount, review the transaction details and fees, confirm the transfer using your password or 2FA, and the transfer will be processed within 1-3 business days depending on the bank.

Yes, transaction limits depend on your account verification level: Unverified accounts have $500 daily transaction limit, basic verified accounts can transact up to $5,000 daily, fully verified accounts have $50,000 daily limit, and corporate/business accounts have customized limits. These limits apply to combined deposits, withdrawals, and transfers. You can request limit increases through customer support.

All transactions are tracked in real-time: Access your Transaction History from the dashboard to view all deposits, withdrawals, transfers, and loan payments with dates, amounts, and status. You can filter by transaction type, date range, or status (pending, completed, failed), download transaction statements in PDF or CSV format, and receive instant email and push notifications for every transaction. Transaction IDs are provided for all activities for easy reference.

Most bill payments are processed instantly or within a few hours. Utility and mobile bill payments typically reflect within minutes, credit card payments take 1-2 business days to reflect, loan EMI payments are processed same day if made before cutoff time, and government tax payments may take 1-3 business days. You will receive confirmation once your payment is successfully processed.

Our referral program rewards you for inviting friends and family: Each user receives a unique referral link from their dashboard, share your link via social media, email, or messaging apps, when someone signs up using your link and completes verification, you earn referral bonuses based on the referral program tiers, and you can also earn from your referrals' referrals (multi-level system). Track all your referrals and earnings in the Referral section.

Referral earnings vary by program tier and activity: Direct referral bonus typically ranges from $10 to $50 per verified user, percentage-based earnings on referred users' deposits or transactions (usually 1-5%), multi-level commissions from up to 3-5 levels of sub-referrals, and special bonuses for referring high-value users. Some plans offer lifetime commissions on your referral network's activities.

To enable 2FA: Go to Account Settings or Security Settings, select "Enable Two-Factor Authentication", choose your preferred method (SMS, email, or authenticator app like Google Authenticator), follow the setup instructions to link your device, enter the verification code to confirm, and save your backup codes in a safe place. 2FA adds an extra layer of security by requiring a verification code along with your password.

If you forget your password: Click "Forgot Password" on the login page, enter your registered email address, check your email for a password reset link (check spam/junk folder if not in inbox), click the link and enter your new password, confirm the new password, and log in with your new credentials. For security reasons, reset links expire after 1 hour. If you don't receive the email, contact support.

To update your information: Log in and go to Profile or Account Settings, click "Edit Profile" or "Update Information", modify the fields you want to change (name, phone, address, etc.), note that email changes may require verification, save your changes, and some changes (like name or address) may require document re-verification. Contact support if you need assistance with sensitive information updates.

We offer multiple support channels: Live chat available 24/7 through website and mobile app, email support at support@sterlingcapital.ltd (response within 24 hours), phone support during business hours, support ticket system for detailed inquiries accessible from your dashboard, FAQ section and knowledge base for instant answers, and social media channels for general inquiries. Our dedicated team is always ready to assist you.

Our support availability: Live chat support is available 24/7 for urgent matters, phone support operates Monday-Friday 9 AM to 6 PM, Saturday 10 AM to 4 PM (all times EST/PST), email support is monitored 24/7 with responses within 24 hours, ticket system responses within 24-48 hours during business days, and emergency support for critical account or transaction issues is available anytime. We strive to assist you whenever you need help.