Last Updated on April 30, 2025 by admin
Are you out of airtime looking for how you can get call credit to complete that call? if yes you have come to the right place as MTN introduce MTN Xtratime a convenient service that allows users to borrow airtime in times of need. Whether you’re in an emergency situation or simply running low on credit.
MTN Xtratime provides a solution to ensure you stay connected, because it allows you to borrow airtime credit when you’re running low and pay it back later. As long as you’re an MTN Nigeria customer with a registered sim card, you’re in luck!
Whether you’re a new MTN user or a long-time customer, this comprehensive guide will cover everything you need to know about borrowing airtime.
This service is available exclusively to prepaid customers. Once you receive the borrowed airtime, you can use it for calls, sending messages, or buying data bundles. Keep in mind that the borrowed airtime must be repaid in full with your next recharge. If you fail to repay the borrowed airtime, it may affect your ability to borrow in the future.
Read: How to contact MTN Customer Care
MTN XtraTime is a service that allows you to borrow airtime on credit when you run out and pay it back on your next recharge. Here are some of its benefits:
- Emergency Credit: It provides a lifeline when you urgently need to make a call or send a message but have no airtime.
- Convenience: It’s easy to access and use—just dial *303# or use the MyMTN app to borrow airtime.
- No Collateral: You don’t need to provide any collateral or go through a lengthy process to borrow airtime.
- Flexible Borrowing: You can choose from different airtime amounts based on your eligibility.
- Quick Approval: If you meet the eligibility criteria, you can borrow airtime instantly.
Read: How to check MTN Data Balance-Different methods
How to be eligible for XtraTime service
To be eligible for MTN XtraTime, you must meet these criteria:
- You must be a prepaid customer.
- Your MTN SIM card must be registered.
- You must have been on the MTN network for more than 3 months.
- You must have spent at least ₦200 monthly for 3 months.
- Your main account balance must be between ₦0 and ₦75, depending on the amount you want to borrow
- You must have paid off any previous XtraTime loan and associated fees
How can I check if I am eligible for MTN XtraTime:
To check if you are eligible for MTN XtraTime, you can use any of the following methods:
- Dial *303# on your MTN line, go to the “My Account” option and select “Check eligibility”.
- Send an SMS with the keyword “STATUS” to 303.
- Dial 303 and follow the voice prompts to check your eligibility.
Also read: MTN Goodbag social media data plan for Facebook, WhatsApp, TikTok, Instagram
How to Borrow Airtime on MTN XtraTime
To borrow airtime on MTN XtraTime, follow these simple steps:
1. USSD Code:
- On your phone’s dial pad, dial *303#.
- From the menu that appears, choose the option for “XtraTime” or borrow airtime .This might be represented by a number, so select the corresponding number.
- You will then see a list of airtime amounts that you are eligible to borrow. Select your desired amount. The available amounts will depend on your eligibility and usage history
- After selecting the amount, you will receive a confirmation message. This message will usually detail the amount you are borrowing and the service fee associated with the transaction. Confirm that you wish to proceed.
- Once you confirm, the borrowed airtime (minus the service fee) will be credited to your XtraTime account, and you will receive a notification message confirming the transaction.
2. IVR (Interactive Voice Response):
- Dial 303 and select your preferred language.
- Choose XtraTime from the options.
- Select the amount you want to borrow.
- Confirm the transaction when prompted.
Read: How to recharge or load MTN Airtime/recharge card
How can I check MTN XtraTime account balance?
You can check your XtraTime account balance in the following ways;
1. USSD Code:
- Dial *310# on your MTN line
- Select 2 account balance
- Your balance will display
2. Text Message:
-
- Create a new text message.
- Type “Balance” (without the quotes).
- Send the message to 310
3. MyMTN App:
If you have the MyMTN app installed on your smartphone, log in and navigate to the “Borrow” or “XtraTime” section. Your balance should be displayed there.
You can also read: List of all MTN data plans and bundles prices and codes
What are the activities that I will be able to perform on 303 IVR?
On the 303 IVR menu, you can perform several activities related to MTN’s XtraTime and XtraByte services, including
- Borrow Airtime (XtraTime)
- Borrow Data (XtraByte)
- Check Eligibility for borrowing airtime or data
- Check XtraTime/XtraByte Balance
- Repay Borrowed Airtime or Data
- Select Preferred Language (English, Igbo, Hausa, or Yoruba)
How will I pay back the airtime I borrowed?
You can repay your MTN XtraTime loan
1. Automatic Deduction
- The borrowed airtime will be automatically deducted from your next recharge.
- If you recharge with an amount equal to or greater than your loan, MTN will deduct the full amount.
- If your recharge is less than the loan amount, MTN will deduct part of it and continue deducting from future recharges until the loan is fully repaid
By regularly recharging your account, you can easily manage and repay any borrowed airtime.
Read: MTN Share; How to transfer airtime on mtn to family and friends
FAQs
What is MTN Xtratime?
MTN XtraTime is a service provided by MTN Nigeria that allows eligible prepaid customers to borrow airtime on credit when they run out and need to make urgent calls, send SMS, or even purchase data. The borrowed airtime is then paid back automatically on the customer’s next recharge
The full amount you borrowed plus the 15% service fee will be automatically deducted from your next airtime recharge, regardless of how you recharge (physical card, electronic transfer, etc.).
Q:Can I view my transaction history on MTN XtraTime?
A: Yes, you can view your transaction history on MTN XtraTime. To do this, follow these steps:
- Dial *310# on your phone.
- Select “My Account” followed by “Transaction History”.
This will show you a list of your recent transactions, including borrowed airtime and repayments.
Q: How much will I be charged for using MTN XtraTime?
A:When using MTN XtraTime, you will be charged a service fee of 15% on the amount you borrow. This fee is deducted before the borrowed airtime is credited into your XtraTime account. For example, if you borrow N100, a service fee of N15 (15% of N100) will be deducted, and you will be credited with N85 in your XtraTime account.
Q: How will I pay back the airtime I borrowed?
A; Paying back the airtime you borrowed from MTN is straightforward:
- When you recharge your account, MTN will automatically deduct the borrowed amount plus a 15% service charge (including VAT) from your main account balance.
- Ensure you have enough balance in your account when you recharge to cover the borrowed amount and the service charge.
By keeping your account regularly topped up, you can seamlessly repay the borrowed airtime and continue enjoying MTN services.
Q: Is there a limit on the number of times I can borrow airtime?
A: There is no strict limit on the number of times you can borrow airtime using MTN XtraTime, as long as you meet the eligibility criteria and have no outstanding repayments. However, it’s important to manage your borrowing responsibly to avoid accumulating large debts.
Q:Can I exceed my credit limit in a month?
A: No, you can not exceed your credit limit in a month with MTN XtraTime, as long as you meet the eligibility criteria and have no outstanding repayments. However, it’s important to manage your borrowing responsibly to avoid accumulating large debts.
Source: MTN
