How To Borrow Data from MTN in 2024

Have you ever found yourself in need of data when you have no way to recharge? It can be frustrating when you run out of data in the middle of something important. 

I remember running out of data during a virtual meeting with no chance to top up, as I couldn’t access my bank app without data. My bank’s USSD service was also acting up. At that moment, I quickly used MTN’s XtraByte service, a handy feature that allows users to borrow data instantly and pay it back on their next recharge.

In this article, I’ll explore how you can easily borrow data from MTN. I’ll cover the eligibility requirements and walk you through the steps to borrow data using USSD codes or the MyMTN app. 

How to Be Eligible to Borrow from MTN

Before you can borrow data or even borrow airtime from MTN, you need to meet some requirements. Below are the criteria to be eligible to borrow data on your MTN line:

1. Prepaid line: Your MTN line must be on a prepaid plan.
2. NIN link: Your MTN line should be registered and linked to your National Identification Number (NIN).
3. Active usage: You should have used your MTN line for at least three months.
4. Recharge history: You need to recharge a minimum of 200 Naira each month for three months.
5. Balance limit: Your main account balance should be between N0 and N75 when you request to borrow data.
6. No outstanding loans: Make sure you have repaid any previous XtraByte loans.

2 Methods to Borrow Data on MTN Line

Once you meet the eligibility criteria, you have two options you can choose from to borrow data from MTN as of 2024. They are: 

1. Via USSD code
2. Through the MyMTN app

Let’s talk about them in detail. 

Borrowing MTN Data Using the USSD Code

1. Dial *303# on your MTN line.

2. Select option 4 “Borrow Data” from the menu by replying with “4”. 

3. MTN will display the data bundles available for borrowing based on your recharge history.

4. Choose your preferred data plan from the options.

5. MTN will notify you of the amount plus a service fee that will be deducted upon your next recharge. Confirm to proceed.

6.You’ll receive a message confirming the amount of your borrowed data.

Note: The total amount borrowed, which includes the service fee, will be automatically deducted from your main account on your next recharge.

How To Borrow MTN Data Using the MyMTN App

The MyMTN app is a user-friendly alternative for accessing MTN’s Xtrabyte service. You can also use the app to access many other services from MTN. If you don’t have the app and want to use this method, you need to download it from the Google Play Store or App Store. 

Once you have logged in to the app, below are the steps involved in borrowing data:

1. On the dashboard, select “Borrow”.

2. Select “Data” from the options displayed. 

3. Next, click on “Proceed to choose data”. 

4. Select the data bundle you want to borrow and confirm your choice. 

5. You will get a message from MTN confirming the data you have borrowed. 

Additionally, to get data on your line without buying or borrowing, you can ask someone to transfer MTN data to your line. 

Frequently Asked Questions About Borrowing Data from MTN

1. How much data can I borrow on MTN?

The amount of data you can borrow depends on your usage and account activity. Dial *303# then select “Borrow Data” to see the data bundles you’re eligible to borrow.

2. Can I borrow data if I have an outstanding balance?

Yes, you can borrow data even with an outstanding balance as long as you are still within your credit limit. However, if you have used up your credit limit, you have to pay back the outstanding amount before you can borrow data again.

3. How can I pay back borrowed MTN data?

Repaying borrowed data is automatic. Once you recharge, MTN deducts the borrowed amount, plus any service fee, from your main account balance.

4. How can I check my borrowed data balance?

To check your data balance, including any borrowed data, dial *323#. This will display your regular, bonus, and borrowed data balances.

Conclusion 

Borrowing data from MTN can be a lifesaver when you need a quick data refill but cannot buy it at that moment. With a few easy steps, you can stay connected and avoid any interruptions in service.

If you’re looking for a reliable option for your data and airtime needs, you should give Nosh a try. Nosh offers a seamless way to buy airtime and data across all networks instantly. Sign up now to stay connected without any hassle.