How To Borrow Airtime From MTN

In this article, we will discuss how to borrow airtime from MTN without stress and with just your mobile phone from the comfort of your home.

MTN is one of the first telecommunications companies in Nigeria. MTN and Econet came to Nigeria almost the same month (August) in 2001. The company has millions of customers and subscribers in the country. These customers and subscribers purchase airtime and data daily to make calls and browse the internet.

For these customers and subscribers to make calls or browse the internet when there is no money to purchase airtime or data, they need to know how to borrow from the telecommunication company and pay back when they have the money.

If a mobile phone were to be human, airtime would be its heartbeat. Mobile phones were first built on airtime as the first phones manufactured were only able to be used to make and take calls. Therefore airtime is more than data because phones were built for calls first before any other thing.

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How To Borrow Airtime From MTN Using USSD In 2022

To make calls you need airtime, so what do you do when as a subscriber of MTN you are unable to make calls because of lack of airtime? Then you have to borrow, so how do you borrow from MTN?

Here is how to borrow airtime from MTN in Nigeria. To borrow airtime from MTN using the USSD code in Nigeria, all you have to do is follow the following steps:

Dial *606# on your mobile device
Select XtraTime
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 15% service fee that will be deducted from the airtime
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed airtime from them
Confirm that you have received the airtime.

NOTE: After borrowing from MTN, your XtraTime account will be credited not your main account with the airtime you borrowed. The service charge will be deducted from the amount borrowed. Meaning you will not receive exactly the amount you borrowed.

This means that if you borrow ₦1000 for instance, MTN takes ₦150 naira, which leaves you with ₦850 naira of the airtime you borrowed. Then whenever you recharge your account with any amount, the money you borrow will be immediately deducted from the amount recharged.

If you recharge less than the amount you borrowed, then all the money you recharged will be taken and MTN will keep taking all the money you recharge till you repay all you borrowed and you can borrow again.

Also Read: All You Need To Know About Zenka Loan App

How To Borrow Data From MTN Using USSD In 2022

The USSD code for borrowing data from MTN is the same as the one for borrowing airtime. The steps are as follows:

Dial *606# on your mobile device
Select XtraByte
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 15% service fee that will be deducted from your next recharge
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed data from them
Confirm that you have received the data.

The bundle fee and a service charge of (15%) will be debited from your main account on your next recharge.

How To Borrow Airtime Or Data From MTN Using The Interactive Voice Response (IVR) In 2022

It is possible to use the Interactive Voice Response if you do not want to use the USSD Code to borrow airtime from MTN. All you have to do is Dail the code and follow the voice command.

To borrow airtime from MTN using the Interactive Voice Response (IVR) in Nigeria, all you have to do is follow the following steps:

Dial *606# on your mobile device
An announcement will be played for you to select your preferred language. The available languages in Nigeria are usually Hausa, Igbo, Yoruba, Pidgin, or English Language.
After selecting your preferred language, you will be asked to choose if you want to borrow airtime or data
Then you will be asked to select your preferred Xtratime or XtraByte
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 15% service fee that will be deducted
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed airtime from them
Confirm the transaction.

Requirements To Borrow Airtime Or Data From MTN

Just being an MTN subscriber does not qualify you to borrow from MTN. You must meet the following criteria to be able to borrow from MTN:

You must be a Prepaid subscriber, as Postpaid subscribers do not have access to this feature.
Your number must be registered
You must have between ₦0 ₦75 in your main account
You must have been using the MTN network for at least three (3) months
You must have recharged at least ₦200 monthly for the past three (3) months
You must not be owing any outstanding loans. (You have to repay your loan before requesting a new one
You must accept to be charged a service fee of 15% for any amount borrowed.

How To Borrow Airtime From MTN With USSD In South Africa

The USSD code for borrowing from MTN in South Africa is *136*2#. To borrow airtime from MTN in South Africa is very simple, just follow the steps below:

Dial *136*2#
Select XtraTime
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 10% service fee that will be deducted from the airtime
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed airtime from them
Confirm that you have received the airtime

Also Read: All You Need To Know About Migo Loan App

This means that if you borrow R1000 for instance, MTN takes R100 naira, which leaves you with R900 naira of the airtime you borrowed. Then whenever you recharge your account with any amount, the money you borrow will be immediately deducted from the amount recharged.

How To Borrow Data From MTN With USSD In South Africa

The USSD code for borrowing data from MTN in South Africa is *136*6#. To borrow data from MTN in South Africa is very simple, just follow the steps below:

Dial *136*6#
Select XtraByte
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 10% service fee that will be deducted from the airtime
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed airtime from them
Confirm that you have received the data

How To Borrow Airtime From MTN With USSD In Ghana

The USSD code for borrowing airtime from MTN in Ghana is *506#. To borrow airtime from MTN in Ghana is very simple, just follow the steps below:

Dial *506#
Select XtraTime
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 10% service fee that will be deducted from the airtime
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed airtime from them
Confirm that you have received the airtime

Also Read: All You Need To Know About LAPO Microfinance Bank

How To Borrow Data From MTN With USSD In Ghana

The USSD code for borrowing data from MTN in Ghana is *506#. To borrow data from MTN in Ghana is very simple, just follow the steps below:

Dial *506#
Select Xtrabyte
You will see a list of amounts that you qualify to borrow
Select your preferred amount
You will receive a notification to let you know that shows you the loan you requested and the 10% service fee that will be deducted from the airtime
Proceed to confirm the transaction
You will receive a text from MTN confirming you have borrowed airtime from them
Confirm that you have received the data

Can I buy data with borrowed airtime on MTN?

Yes, of course you can purchase data with your borrowed MTN credit. All you have to do is, ensure that you have borrowed an amount that after the deduction of the service charge, what will be left will be enough to still purchase the data you want to acquire.

For instance, if you want to purchase data of ₦500 then you have to try and borrow upto ₦600 or have at least more than ₦500 in your accout balance to qualify to borrow ₦500.

How To Transfer Airtime On MTN

To transfer using USSD

dial *600*Recipient’s phone no.*Airtime amount*Transfer pin#
For example, if you want to send N1000 to this mtn line 08123456789 with your new pin 1245 just dial; *600*08123456789*1000*1245# and the send or call button

How To Reverse Borrowed Data On MTN

If you wish to reverse any transaction with MTN then you can Contact MTN customer care with the links below:

Contact Email Address: Customercare.ng@Mtn.com
Facebook: @MTNLoaded
Twitter: @MTN180 & @MTNNG
Instagram: @MTNNG
WhatsApp: 09033000001
Telephone Numbers: 180 from an MTN line (From any other network 08031000180), (From outside Nigeria +2348031000180).

How To Borrow Airtime From MTN In 2022