How to Borrow Airtime from MTN in 2025 – Simple Code and Guide

How to Borrow Airtime from MTN in 2025 – Simple Code and Guide

Running out of airtime and need to make an urgent call or buy data? MTN’s XtraTime service allows eligible customers to borrow airtime instantly and pay later.

In this guide, you’ll learn:

• How to borrow airtime from MTN
• The correct USSD code to use
• How to repay the airtime loan
• Eligibility criteria
• Charges and limits

What is MTN XtraTime?

XtraTime is an MTN service that allows you to borrow airtime when you're low on balance and repay it on your next recharge. The service is available to eligible prepaid users only.

MTN Code to Borrow Airtime

USSD Code:

Dial:
*303#

Then follow the on-screen instructions:

1. Select 1 for "Borrow Airtime"
2. Choose the amount (₦25, ₦50, ₦100, ₦200, ₦500, ₦1000, etc.)

Quick Method:

You can also dial directly:
*303*Amount#

Example:
To borrow ₦200, dial:
*303*200#

Airtime Borrowing Charges (2025)

MTN charges a 15% service fee from the amount borrowed.

Example:

• If you borrow ₦100, you’ll receive ₦85
• The ₦100 will be deducted when you recharge

MTN Borrowing Eligibility

To be eligible:

• You must be a prepaid user
• Must have been on the MTN network for at least 2 months
• Must recharge regularly (₦100+ monthly)
• Must have no unpaid loan balance

How to Repay Borrowed Airtime

Your loan is automatically deducted from your next recharge.

For example:

• If you recharge ₦500 and owe ₦100,
• You will receive ₦400 airtime after deduction.

How to Check XtraTime Loan Balance

Dial:
*303# > My Account > Check Balance

Or send STATUS to 303 via SMS

Summary Table

Action	Code
Borrow Airtime	*303#
Quick Borrow	*303*Amount#
Check Balance	*303# or SMS STATUS to 303
Eligibility	MTN prepaid, 2+ months, active recharge
Service Fee	15%

Final Tips

• Borrow only what you can repay soon to avoid being blocked.
• You can also borrow data via the same *303# menu under XtraByte.

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Suleiman Inuwa

https://www.androidpols.com.ng/

I am a professional website developer and also an SEO expert.