The transition magnetic moment of a sterile-to-active neutrino conversion gives rise to not only radiative decay of a sterile neutrino, but also its non-standard interaction (NSI) with matter. For sterile neutrinos of keV-mass as dark matter candidates, their decay signals are actively searched for in cosmic X-ray spectra. In this work, we consider the NSI that leads to atomic ionization, which can be detected by direct dark matter experiments. It is found that this inelastic scattering process for a nonrelativistic sterile neutrino has a pronounced enhancement in the differential cross section at energy transfer about half of its mass, manifesting experimentally as peaks in the measurable energy spectra. The enhancement effects gradually smear out as the sterile neutrino becomes relativistic. Using data taken with germanium detectors that have fine energy resolution in keV and sub-keV regimes, constraints on sterile neutrino mass and its transition magnetic moment are derived and compared with those from astrophysical observations.
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