How to Borrow Data on MTN – Complete Guide for 2025
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| How to Borrow Data on MTN – Complete Guide for 2025 |
Need to access the internet urgently but don’t have airtime or an active data plan? MTN Nigeria offers a convenient service that lets you borrow data and pay later. Whether you're low on airtime or in an emergency, this guide explains exactly how to borrow data on MTN, including the code, requirements, and repayment process.
What Is MTN XtraByte?
MTN’s XtraByte service allows eligible users to borrow data bundles and pay back on their next recharge. It is perfect for those moments when you run out of data and need instant access to the internet.
How to Borrow Data on MTN in 2025
Borrowing data on MTN is simple and quick. Here’s how to do it:
USSD Code to Borrow Data on MTN
- Dial:
*303# - Select Option 2 – XtraByte
- Choose your preferred data bundle from the list of available offers
- Confirm your selection
Your borrowed data will be activated immediately and deducted from your next recharge.
Alternative Method – Direct Code
You can also dial a direct code like:
*303*2#
Then follow the on-screen instructions to borrow data.
MTN XtraByte Data Plans (2025)
Below are some commonly available borrowed data options (subject to eligibility):
| Data | Price (Deducted Later) | Validity |
|---|---|---|
| 50MB | ₦50 | 1 Day |
| 100MB | ₦100 | 1 Day |
| 200MB | ₦200 | 2 Days |
| 350MB | ₦300 | 2 Days |
| 750MB | ₦500 | 7 Days |
| 1.5GB | ₦1000 | 14 Days |
Note: You may not see all these options — MTN customizes offers based on your recharge history and usage.
Requirements to Borrow Data on MTN
You must meet these conditions:
- Be a prepaid MTN customer
- Have registered and active MTN SIM for at least 3 months
- Regularly recharge and use data
- Have no outstanding XtraByte or XtraTime debt
How Repayment Works
MTN will deduct the borrowed data cost plus a 15% service fee from your next recharge. For example:
- If you borrow ₦100 worth of data, ₦115 will be deducted.
How to Check MTN XtraByte Balance
Dial:
*310#
Or check via *303# > XtraByte > Check Balance
How to Opt Out or Stop Borrowing
You can’t opt out of borrowing data, but you can wait until your loan is cleared before accessing more.
To avoid auto deductions:
- Don’t borrow unless you intend to repay
- Clear outstanding balances before recharging large amounts
Final Tips
- Always borrow within your eligible limit
- Track your data usage to avoid running out too often
- Clear outstanding balances quickly to stay eligible for larger bundles
Now you know how to borrow data on MTN! Stay connected even when you’re low on cash. Dial *303# now and choose a plan that works for you.
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