How to Borrow Airtime from MTN Nigeria

Updated on December 22, 2023

Are you an MTN user in Nigeria in a time of need and you’re wondering how to borrow airtime from MTN? Well, MTN provides convenient ways for you to borrow airtime when you’re running low.

In this guide, we’ll walk you through the simple steps to borrow airtime using the USSD code, MyMTN NG App, and even through a call with Interactive Voice Response (IVR).

There are three methods to borrow airtime from MTN: USSD Code, SMS, MyMTN NG App, and IVR (On Call: Interactive Voice Response).

Eligibility Criteria for MTN XtraTime Borrow Service

Be a prepaid customer.
Have a registered phone number
Be on the MTN network for more than 3 months.
Spend at least N200 monthly for 3 months.
Have between N0 and N75 in your main account. Settle any outstanding XtraTime loan requests.

How to Borrow Airtime from MTN with Xtra Time

MTN’s XtraTime service allows you to borrow airtime and pay it back when you recharge. Follow these steps to borrow airtime using the USSD code

Open your phone dial *303# and hit send.
Select XtraTime.
Choose your preferred amount.
Confirm the transaction by sending 303.
Receive a notification of the successful transaction.

How to Borrow Airtime from MTN Using IVR

You can use IVR to borrow airtime from airtime using these steps:

Dial 303, select a voice language and choose XtraTime.
Follow the prompts to select the amount and confirm the transaction.
Receive a notification of the successful transaction.

Note: A service fee of 15% applies to every amount borrowed.

How to Borrow Airtime from MTN through SMS

You cannot borrow airtime from MTN Nigeria through SMS at the moment. But you can check your MTN account balance via SMS.

Borrow Airtime from MTN with MyMTN NG App

If you avid app user (you use an app for everything), use the MyMTN NG App:

Download the MyMTN App from the Google Play Store or Apple App Store.
Set up the app with your MTN phone number.
Receive a six-digit OTP code to activate the app.
Log in to the app.
Navigate to Share & Borrow >Borrow Airtime/Data > Airtime.
Ensure your active airtime balance is below 75 naira.
Confirm the transaction and receive a successful notification.

Wrap up on How to Borrow Airtime on MTN

Borrowing airtime from MTN is a breeze with these simple methods. Whether you choose the USSD code, IVR, or the MyMTN NG App, you have convenient options to stay connected. Make sure to check out our other helpful guides for more tips and tricks. Stay connected effortlessly with MTN!