How to Borrow Airtime and Data on MTN Without Stress (2025 Guide)
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| How to Borrow Airtime and Data on MTN Without Stress (2025 Guide) |
Need airtime or data urgently? Learn how to borrow airtime and data from MTN in Nigeria, including USSD codes, eligibility, repayment tips, and how to check your balance.
Have you ever run out of airtime or data when you need it most? Whether you're in the middle of a call or trying to browse the internet, MTN has a solution: XtraTime and XtraByte services.
This guide shows you exactly how to borrow airtime or data from MTN, including:
- Eligibility requirements
- USSD codes to dial
- How to repay
- Common issues and how to fix them
Let’s get started.
What Is MTN XtraTime & XtraByte?
- XtraTime allows you to borrow airtime/credit from MTN and pay it back later.
- XtraByte allows you to borrow data bundles, which are deducted from your next recharge.
These services are instant, available 24/7, and only require that you’ve been using MTN for a while.
Who Is Eligible to Borrow?
To be eligible for MTN borrowing services, you must:
- Be an MTN prepaid user
- Have been active for at least 3 months
- Recharge regularly
- Not have outstanding borrowed balance
You’ll see your eligible amount when you dial the borrowing code.
How to Borrow Airtime (MTN XtraTime)
Here’s how to borrow airtime quickly:
✔️ USSD Code:
Dial *303# and select "XtraTime"
Or directly dial: *303*amount#
Example: To borrow ₦100 airtime, dial *303*100#
Note:
- MTN charges 15% service fee, so if you borrow ₦100, you’ll receive ₦85.
- You can use borrowed airtime for calls, SMS, and data.
How to Borrow Data (MTN XtraByte)
Want to borrow data directly?
✔️ USSD Code:
Dial *303# and select "XtraByte"
Or dial *303*4# for direct access to data plans.
📦 Sample Borrowable Data Plans:
| Data | Price | Validity |
|---|---|---|
| 40MB | ₦50 | 1 Day |
| 100MB | ₦100 | 1 Day |
| 200MB | ₦200 | 2 Days |
| 1GB | ₦500 | 7 Days |
The cost will be deducted on your next recharge.
How to Repay MTN Borrowed Airtime/Data
Repayment is automatic:
- Once you recharge, MTN deducts the borrowed amount + 15% fee.
- If you recharge ₦500 and had borrowed ₦100, you’ll only receive ₦400 in airtime.
How to Check Borrowed Balance
To know how much you owe MTN:
- Dial
*310#to check airtime - Dial
*303#→ Select “Check balance” - Or open MyMTN App > XtraTime/XtraByte section
Common Errors & Solutions
| Issue | Cause | Solution |
|---|---|---|
| Not eligible | New user or unpaid debt | Use line longer & repay old debts |
| No response | Network issue | Try again later or use MyMTN app |
| Can't borrow more | Reached limit | Recharge to repay and retry |
Bonus Tip: Use the MyMTN App
The MyMTN App often offers better visibility of what you can borrow and even promotional offers.
| Action | USSD Code |
|---|---|
| Borrow airtime | *303*Amount# |
| Borrow data | *303# → Select XtraByte |
| Check balance | *303# or *310# |
| Repayment | Automatic after recharge |
Borrowing airtime or data on MTN is simple and fast—no app or internet required. Whether you’re low on credit or out of data at night, just dial *303# and stay connected.
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