{"id":5225,"date":"2024-11-01T16:17:54","date_gmt":"2024-11-01T16:17:54","guid":{"rendered":"https:\/\/usenosh.com\/blog\/?p=5225"},"modified":"2026-03-16T15:33:38","modified_gmt":"2026-03-16T15:33:38","slug":"borrow-airtime-mtn","status":"publish","type":"post","link":"https:\/\/usenosh.com\/blog\/borrow-airtime-mtn","title":{"rendered":"How To Borrow Airtime from MTN in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Ever found yourself with an empty MTN balance during an urgent call? MTN&#8217;s airtime advance service has got you covered. In this guide, we&#8217;ll walk you through the simple steps to borrow airtime when needed.<\/span><\/p>\n<h2><b>What is MTN XtraTime?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">MTN XtraTime is a service that allows you to borrow <a class=\"wpil_keyword_link\" title=\"airtime\" href=\"https:\/\/usenosh.com\/airtime\" data-wpil-keyword-link=\"linked\">airtime<\/a> on credit when you run out of airtime and pay it back on your next recharge.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Users of this service will pay a 15% service charge on every amount they borrow. So, if you borrow Airtime with N500, you\u2019ll pay back N575. What this also means is that if you attempt to borrow N100 airtime, your Xtracredit account will be credited with N85 and not the whole N100. This is because 15% of the Airtime\u2019s total value is deducted.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s the full breakdown of what it entails:<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-5876 lazyload\" data-src=\"https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/11\/unnamed-2025-03-24T135209.231.png\" alt=\"\" width=\"512\" height=\"238\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/238;\" \/><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-5877 lazyload\" data-src=\"https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/11\/unnamed-2025-03-24T135233.755.png\" alt=\"\" width=\"512\" height=\"165\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/165;\" \/><\/p>\n<h2><b>Eligibility Criteria For Borrowing Airtime From MTN<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">MTN XtraTime is open to prepaid customers with registered phone numbers that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have been using MTN for more than three months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have spent at least N200 monthly for three months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have between N0 &#8211; N75 in their Airtime balance.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To know whether you\u2019re eligible to use this service, here\u2019s what you have to do:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dial *303#, click on \u201cMy Account,\u201d and select \u201c1\u201d to \u201ccheck eligibility.\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Send STATUS to 303.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dial 303 and follow the voice prompt to confirm your eligibility.<\/span><\/li>\n<\/ul>\n<h2><b>Three Ways to Borrow Airtime from MTN<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You can easily borrow airtime if you run out of credit on your <\/span><a href=\"https:\/\/usenosh.com\/blog\/link-nin-to-mtn-line\"><span style=\"font-weight: 400;\">MTN line<\/span><\/a><span style=\"font-weight: 400;\">. There are 3 ways you can borrow MTN airtime, you just need to pick the method that suits you best. They are:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using the USSD code<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Via the MyMTN app<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By contacting a customer care agent\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Let\u2019s look at the steps involved in each method.\u00a0<\/span><\/p>\n<h2><b>1. Using the USSD Code<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To borrow MTN credit using the shortcode, follow these steps:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Dial *303# on your MTN line.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Follow the prompts to select the amount you want to borrow.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Confirm your choice, and you\u2019ll receive an SMS notifying you that your account has been credited.<\/span><\/li>\n<\/ol>\n<h2><img decoding=\"async\" class=\"alignnone wp-image-5228 lazyload\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/319;font-size: 16px;\" data-src=\"https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/10\/32df17b4-0e3e-45dd-a98e-0917ec6ad0cf.jpg\" alt=\"Borrow MTN Airtime\" width=\"600\" height=\"319\" data-srcset=\"https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/10\/32df17b4-0e3e-45dd-a98e-0917ec6ad0cf.jpg 824w, https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/10\/32df17b4-0e3e-45dd-a98e-0917ec6ad0cf-768x408.jpg 768w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/h2>\n<h2><b>2. Via MyMTN App<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you prefer using the MTN App, borrowing airtime is just as straightforward:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Log in to the MTN App.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> On the dashboard, click on \u201cBorrow.\u201d<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Select \u201cAirtime\u201d and pick the amount you need. MTN will display the available amount based on your usage history and eligibility.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Review the total, including the 15% service charge, and tap \u201cAccept.\u201d<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> You\u2019ll receive a confirmation SMS and app notification with the credited amount. Now, you have airtime to call, text, or surf the internet.<\/span><\/li>\n<\/ol>\n<p><img decoding=\"async\" class=\"alignnone wp-image-5227 lazyload\" data-src=\"https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/10\/7960a27c-2aeb-486b-b38b-233064c386ff-mh-1.png\" alt=\"\" width=\"600\" height=\"399\" data-srcset=\"https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/10\/7960a27c-2aeb-486b-b38b-233064c386ff-mh-1.png 799w, https:\/\/blog.usenosh.com\/wp-content\/uploads\/2024\/10\/7960a27c-2aeb-486b-b38b-233064c386ff-mh-1-768x511.png 768w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/399;\" \/><\/p>\n<h2><b>3. Contacting a Customer Care Agent<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you prefer speaking to an agent, MTN\u2019s customer support is there to help. Here\u2019s how to go about it:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Dial 300 to reach MTN customer support.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Follow the prompts to connect with a support agent.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Tell the agent you want to borrow airtime, and the person will guide you through the process.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Alternatively, if you don\u2019t want to borrow airtime from MTN, you can ask a fellow MTN user to <\/span><a href=\"https:\/\/usenosh.com\/blog\/transfer-airtime-mtn-to-mtn\"><span style=\"font-weight: 400;\">transfer airtime<\/span><\/a><span style=\"font-weight: 400;\"> to you.\u00a0<\/span><\/p>\n<p><strong>Read also<\/strong>: <a href=\"https:\/\/usenosh.com\/blog\/borrow-airtime-glo\">How to borrow airtime on GLO<\/a><\/p>\n<p><a href=\"https:\/\/usenosh.com\/blog\/borrow-airtime-airtel\">How to borrow airtime on Airtel<\/a><\/p>\n<p><a href=\"https:\/\/usenosh.com\/blog\/borrow-airtime-9mobile\">How to borrow airtime on 9mobile<\/a><\/p>\n<h2><b>How to Pay Back Borrowed Airtime on MTN<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Paying back borrowed credit on MTN is simple. When you recharge your account, the amount you owe is automatically deducted, including the 15% service fee. For example, if you borrow \u20a6200, MTN credits you with \u20a6170 (after deducting the 15% fee). The full \u20a6200 will be deducted automatically on your next recharge if you have enough.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if the recharged amount is less than what you owe, the amount recharged will be used to pay back the amount you borrowed, but your main account will still be negative for the remaining loan amount. Then, subsequent recharges will be used to repay the outstanding loan until the full amount is repaid.<\/span><\/p>\n<h2><b>Things To Note About Borrowing Airtime From MTN<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whenever you borrow airtime from MTN, it goes into a separate account known as an XtraTime account. This is different from your main airtime account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You cannot transfer airtime from your XtraTime account to another customer\u2019s account through any means.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Borrowed airtime does not have an expiry date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can increase your XtraTime credit limit by spending more monthly. Your XtraTime credit limit can go up to a maximum of N10,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can check your XtraTime account balance in the following ways;<\/span><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From the *303# menu, select \u2018My Account\u2019 then select \u20182\u2019 to view your account balance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From the 303 IVR menu: Simply dial 303, follow the voice prompt, press 5, and your account balance will be sent to you in an SMS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using SMS, text Balance to 303.<\/span><\/li>\n<\/ul>\n<h2><b>Frequently Asked Questions About Borrowing MTN Airtime<\/b><\/h2>\n<ol>\n<li><b> How much MTN airtime can I borrow?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The amount you can borrow depends on your usage and account activity. Dial *303# to check your eligible amount.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Can I buy <\/b><a href=\"https:\/\/usenosh.com\/data\"><b>data<\/b><\/a><b> with borrowed airtime on MTN?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">MTN allows you to use borrowed airtime to buy data or make calls.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Can I borrow airtime if I have an outstanding balance?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Absolutely, but MTN may limit the amount you can borrow based on what you already owe.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Can I repay borrowed MTN airtime without using it?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Yes, simply recharge, and the borrowed amount will be deducted automatically, regardless of whether you used it.<\/span><\/p>\n<ol start=\"5\">\n<li><b> How can I check my borrowed airtime balance?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">You can <\/span><a href=\"https:\/\/usenosh.com\/blog\/check-airtime-balance-mtn-airtel-glo-9mobile\"><span style=\"font-weight: 400;\">check your airtime balance<\/span><\/a><span style=\"font-weight: 400;\"> on MTN by dialing *310#. All your airtime balances, including regular, bonus, and borrowed, will be displayed.\u00a0<\/span><\/p>\n<ol start=\"6\">\n<li><b> Can I borrow airtime multiple times in a month?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Yes, you can. As long as you\u2019re still within your credit limit.\u00a0<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">With MTN\u2019s borrowing options, running out of airtime doesn\u2019t have to be a big problem. Now you know how to borrow airtime whenever you need it, and you\u2019re ready to stay connected no matter what. Also, you can instantly buy MTN airtime on the Nosh app. Nosh also offers gift card trading, digital remittance, and bill payment services. <\/span><a href=\"https:\/\/web.usenosh.com\/signup?utm_source=search%20ad\"><span style=\"font-weight: 400;\">Create an account now<\/span><\/a><span style=\"font-weight: 400;\"> to get started.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever found yourself with an empty MTN balance during an urgent call? MTN&#8217;s airtime advance service has got you covered. In this guide, we&#8217;ll walk you through the simple steps to borrow airtime when needed. What is MTN XtraTime? MTN XtraTime is a service that allows you to borrow airtime on credit when you run [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":5234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[9],"tags":[285],"class_list":["post-5225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refill","tag-borrow-airtime-from-mtn"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How To Borrow Airtime from MTN in 2026 - Nosh<\/title>\n<meta name=\"description\" content=\"Are you running out of MTN airtime? 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