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| On 5 months ago

How To Borrow Airtime From MTN – Step By Step Process

If a mobile phone were to be human, airtime would be its heartbeat. Yes, we know data is very important, and maybe even more important these days, but before data, a phone was built for airtime. Therefore, a phone was only useful when you had airtime to reach out to whoever you please. Today, this fact still holds water, and network service providers have even come up with different ways to ensure you never run out. In this article, you’re going to learn how to borrow airtime from MTN, one of the top network service providers in Nigeria. You can also check out our posts on how to borrow airtime from Glo and how to share data on Glo.

Sometimes you might need airtime on the spin, but can’t afford to purchase or there’s nowhere to. At this point, you can simply borrow to pay back later. Also, since its release, it has attracted a lot of positive reviews from customers all over the country. See how to link NIN to MTN.

What is MTN Xtratime?

You have probably heard of it, or seen the service somewhere in custom ads, whether on your phone or through SMS. More so, MTN XtraTime is simply the name of the package or service that facilitates borrowing airtime. Therefore, with MTN Xtratime, you can borrow airtime and payback later. MTN introduced this feature far back in 2014. See how to borrow airtime from Airtel.

What are the eligibility requirements to borrow money from MTN?

To successfully qualify to borrow airtime from MTN, you have to meet the following requirements:

  1. Own and use an MTN SIM card
  2. Have no preexisting huge debt from MTN
  3. Initially, you need to have loaded N500 within the last 30 days. However, this rule has been eased to a large extent and is now much more flexible
  4. You should have owned and used your MTN SIM card for at least 12 months. Normally, without this, you would not be eligible for borrowing airtime. However, this is also one of the rules that have been eased over time, as SIM cards of less than 12 months of active use are now allowed. Also, this holds, especially if you recharge very frequently.

How to borrow airtime from MTN

To borrow airtime from MTN, simply dial *606# on your MTN SIM card, and the system would pop several options:

  • Eligibility status
  • Request for XtraTime
  • Check XtraTime Balance
  • XtraTime Transaction History
  • About XtraTime
  • Exit

From here on, you should select request for XtraTime after which the system proceeds to show you the available options. Finally, you should then select your preferred choice. The USSD code system is also available to borrow other loans. See how to borrow airtime from 9mobile.

What is the minimum airtime amount I can borrow from MTN?

Although you can borrow up to N1000 or more depending on your recharge history, the minimum amount of airtime you can borrow is N50. However, there are times where the N25 is available, as the system is flexible. In reality, the minimum standard is N50.

Are there extra charges attached to borrowing?

Yes, there are. You should know that MTN Nigeria deducts a service charge of 10% from the airtime you intend to borrow. Therefore, this means that you would only receive 90% of the sum you requested. More so, for example, borrowing N200 would see you receive N180 instead of N200, as MTN takes N20. However, they usually ease the percentage borrowed at certain times, like during the Covid lockdown.  


Borrowing airtime from MTN is so much easy and takes only minutes to complete. Therefore, this awesome service ensures you’re never left stuck without airtime when you so desperately need it. You can check out how to borrow data from Airtel.