Summary: To borrow airtime from MTN, dial *303#, select the XtraTime/Borrow option, choose the amount you want, and confirm the transaction. The airtime will be credited instantly, with repayment plus a small service fee (usually 15%) automatically deducted from your next recharge. You can also borrow airtime via the MyMTN App by logging in, selecting the borrow option, and following the on-screen prompts.
What Is MTN Airtime Borrow?
MTN Airtime Borrow, also known as MTN XtraTime, is a service that lets MTN subscribers borrow a small amount of airtime when their balance is low. The borrowed amount is automatically deducted from the subscriber’s next recharge. This ensures you never miss important calls, SMS, or internet usage.
Who Can Borrow Airtime from MTN?
The MTN Airtime Borrow service is available to eligible prepaid subscribers. Eligibility is determined by:
- Active MTN line — your line must have been active for a specific period.
- Recharge history — regular recharge activity increases eligibility.
- Usage patterns — frequent users of calls, SMS, or data are prioritized.
Subscribers who meet these criteria can borrow airtime instantly.
Benefits of Borrowing Airtime from MTN
- Access airtime immediately without visiting a retail store
- Flexible repayment — deducted automatically from your next recharge
- Convenient for emergencies or urgent communication
- Helps maintain connectivity even when your balance is low
- Fast and secure using official MTN channels
How To Borrow Airtime from MTN Using USSD Code
The most common way to borrow airtime is through USSD codes. Here’s how:
- Dial
*606#on your MTN line. - Select Borrow Airtime / XtraTime from the menu.
- Enter the amount you wish to borrow. MTN usually offers amounts ranging from ₦50 to ₦500 depending on eligibility.
- Confirm your request.
- You will receive a confirmation message indicating that the airtime has been credited.
The borrowed airtime will be automatically deducted from your next recharge.
How To Borrow Airtime Using MTN App
The MTN mobile app also allows you to borrow airtime conveniently. Steps include:
- Download the MyMTN App from Google Play Store or Apple App Store.
- Log in with your MTN number.
- Tap on Airtime Borrow / XtraTime.
- Enter the amount you wish to borrow and confirm the transaction.
- The airtime will be credited instantly, and your next recharge will include the repayment.
Conditions for Borrowing Airtime from MTN in 2025
- Borrowed airtime must be repaid on your next recharge
- The amount you can borrow depends on your usage and eligibility
- Only MTN prepaid subscribers are eligible
- A small service fee may apply
- You cannot borrow if there is an outstanding borrowed amount
Tips for Using MTN Airtime Borrow Safely
- Only borrow what you need to avoid excessive deductions
- Use official MTN channels like USSD codes or the MyMTN app
- Check your eligibility before attempting to borrow
- Keep confirmation messages until repayment is completed
- Borrow responsibly to maintain access to the service
Frequently Asked Questions (FAQs)
- How much airtime can I borrow from MTN?
Borrowable amounts typically range from ₦50 to ₦500 depending on eligibility. - Is there a service fee for borrowing airtime?
Yes, MTN may deduct a small fee along with the borrowed amount. - When will the borrowed airtime be deducted?
The borrowed airtime is automatically deducted from your next recharge. - Can I borrow multiple times?
Yes, as long as previous borrowings have been repaid and you remain eligible. - Who is eligible to borrow airtime from MTN?
Active prepaid subscribers with consistent recharge and usage history are eligible.
Benefits of Using MTN Airtime Borrow
- Immediate access to airtime during emergencies
- Convenience — borrow anytime without visiting a retail store
- Quick and easy process via USSD or MyMTN app
- Helps manage airtime efficiently
- Flexible repayment ensures uninterrupted connectivity
Conclusion
Borrowing airtime from MTN in 2025 is a fast, secure, and convenient solution for anyone who needs instant credit. Whether using USSD codes or the MyMTN app, the process is simple and ensures you stay connected even when your balance is low. Always borrow responsibly, check your eligibility, and keep confirmation messages for verification. MTN Airtime Borrow is perfect for emergencies, night-time use, or anytime you need quick airtime without visiting a store.
