Ever ran out of credit when you are talking to your loved ones? Don't worry MTN has your back whenever you are in need. MTN XtraTime is a feature which allows you to borrow airtime on credit when you are low on balance and pay it back at your next recharge. This blog will guide you step by step on how to borrow airtime from MTN in Nigeria.

What is the Eligibility Criteria to Borrow Airtime from MTN?

Before we dive into how to borrow airtime from MTN in Nigeria, it's important to note that all users are not eligible for the MTN XtraTime service. You need to meet the few requirements listed below:

Prepaid Users

You must be a prepaid user to avail the MTN XtraTime in case of emergency, so it is not applicable for postpaid customers.

Minimum Duration

Unfortunately, new users are not eligible for this feature until they have used MTN services continuously for a minimum of 3 months.

Must purchase

Users must have consistently spent a minimum of ₦200 each month for the past three consecutive months. This shows regular engagement and spending behaviour which makes the network trust you.

Available balance

The balance amount in your main account should not exceed ₦75 to avail the MTN Xtratime service.

Fully registered

Your MTN line must be fully registered with a valid NIN in Nigeria. Unregistered or partially registered sims do not qualify for this feature.

To know whether you’re eligible to use this service, here’s what you have to do:
Dial *303#, click on “My Account,” and select “1” to “check eligibility.”
Send STATUS to 303.
Dial 303 and follow the voice prompt to confirm your eligibility.

How to Borrow Airtime from MTN?

1) USSD METHOD:

Take your phone and dial *303#(code to borrow airtime from MTN) , which will take you to the main menu. Choose your preferred amount to borrow or option 3 for more advanced options.

Borrow Airtime from MTN in Nigeria [Image]

Select "1" to confirm the transaction.
After confirming, MTN will deduct a 15% service fee and credit your XtraTime account with the remaining balance.
MTN sends you a notification confirming the successful transaction.

2 ) Using MyMTN NG App:

Firstly, download the MyMTN app from the Google Play Store or Apple App Store.
Set it up using your MTN phone number and verify it with a six-digit OTP code to activate the app.
After logging in, you’ll be able to view your airtime and data balances.
Step To Use MyMTN App to Borrow Airtime:
After opening the MyMTN app, tap the more icon button.
In this section, scroll to Share & Borrow and then select "Airtime/Data".
Now click "Airtime" on the Xtratime page and select the amount you want to borrow after clicking "Airtime".
The last step is to accept the overall fee displayed and in some time you will receive your confirmation through SMS.

Download

Remember these Key Points Before You Borrow Airtime from MTN:

Whenever you borrow airtime from MTN, it goes into a separate account known as an XtraTime account. This is different from your main airtime account.

MTN charges a 15% service fee on the amount you borrow. For example, if you borrow ₦100, you’ll receive ₦85 and the ₦15 is deducted as a charge.

There is no any expiration date for this feature , so you dont need to finsh it all in one go.

You can increase your XtraTime credit limit by spending more. The maximum XtraTime credit limit is N10,000 to avail for airtime.

The users won't be able to transfer airtime to any other MTN accounts through any means. So you can save some money by not sending it to your friends.

Conclusion:

In summary, MTN XtraTime offers a convenient way for eligible users to access airtime on credit during emergencies. We hope you got a clear understanding on how to borrow airtime from MTN in Nigeria. MTN Xtratime comes in handy for emergency situations but make sure you don't fall for the debt trap. So remember to repay on time to keep enjoying the service.

Frequently asked questions:(FAQ)

Can I borrow airtime from MTN?

Yes, MTN allows you to borrow airtime using the MTN XtraTime service as long as you meet the eligibility criteria. This feature comes handy when you run out of airtime and without any hassle you can recharge instantly.

2. How much can I borrow airtime from MTN in Nigeria?

It all depends on your network provider and credit limit. Even your daily expenditure on airtime is a factor here. You’ll need to check your loan eligibility to find out how much you can borrow.

3. What happens if I don’t repay my airtime loan on time?

For MTN, you can borrow more even with an existing loan, provided that you have not exceeded your credit limit. You must enquire from your network provider to determine what applies to you.

4. Can I Borrow Airtime Credit If I Have An Outstanding Bill?

You will be able to borrow airtime from MTN in Nigeria as long as you're still within your credit limit. MTN won't allow you borrow once you have reached the maximum limit.

5. Can I cancel the borrowed airtime from MTN?

Yes, MTN offers the option of cancelling the borrowed airtime if you took it by mistake or not in need of it right now. Call '180' to cancel borrowed airtime on MTN. You can only cancel borrowed airtime if you have not used it yet.

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