MTN is one of the leading mobile network providers in Nigeria, and they offer a service that allows customers to borrow airtime when they run out of credit
Running out of airtime on MTN can be Frustrating , especially when you’re in the middle of an important conversation or need to make an urgent call.
MTN XtraTime is a lifesaver in such scenarios, offering a seamless way to borrow airtime and stay connected. Whether you’re new to MTN or a long-standing customer, this detailed guide will walk you through everything you need to know about borrow airtime.
The service is available only to Prepaid customers. once you have received the borrowed airtime, you can use it to make calls, send messages, or purchase data bundles. Remember that the borrowed airtime must be paid back in full on your next recharge. Failure to repay the borrowed airtime may reduce your chance of borrowing airtime in the future.
How to subscribed for MTN Data plan & prices in Nigeria
How to be eligible for XtraTime service
To be eligible for XtraTime service, you MUST:
- Be a Prepaid customer
- Have registered your phone number
- Have been on the MTN network for more than 3 months
- Have spent at least N200 monthly for 3 months
- Have between N0 and N75 in your main account
- Paid-up any outstanding XtraTime loan request
How can I check if I am eligible for MTN XtraTime:
Here are the ways to check your eligibility
1. Using the USSD Menu:
- Dial *303# on your MTN line.
- Select the “My Account” option.
- Choose “Check Eligibility”
- The system will inform you if you qualify for XtraTime.
2. Sending an SMS:
- Create a new text message.
- Type “STATUS” (without the quotes).
- Send the SMS to 303.
- You’ll receive a reply message indicating your eligibility status.
3. Calling the IVR:
- Dial 303 from your MTN line.
- Choose your preferred language.
- Follow the voice prompts. You should find an option to check your XtraTime eligibility.
Also read: How To Borrow Data From MTN Network know as MTN XtraByte
Benefits of MTN XtraTime
- Lifeline in Emergencies: Never be caught without airtime for those crucial calls or messages in unexpected situations.
- Convenience: Quickly borrow airtime without the hassle of physically going to recharge your line.
- Flexibility: Borrow amounts based on your eligibility and needs.
- No Restrictions: Use borrowed airtime for all MTN services like calls, SMS, and even data bundles.
How to Borrow Airtime on MTN XtraTime
There are a couple of simple ways:
1. USSD Code:
- Dial *303#
- Select the “XtraTime” option.
- Choose your preferred airtime amount.
- Confirm the transaction (you’ll see the applicable service fee).
2. IVR (Interactive Voice Response):
- Dial 303
- Choose your preferred language (English, Igbo, Hausa, or Yoruba).
- Select “XtraTime” from the menu.
- Follow the voice prompts to choose the amount and confirm your request.
Note: You will be charged a sefrvice fee of 15% on every amount you borrow.
How can I check MTN XtraTime account balance?
You can check your XtraTime account balance in the following ways;
-
Here are the ways to check your MTN XtraTime account balance:
1. USSD Code:
- Dial *303# on your MTN line.
- Select 9 next
- Select 2 account balance
- Your balance will display
2. IVR (Interactive Voice Response):
- Dial 303.
- Choose your preferred language.
- Follow the voice prompts to the “My Account” section or something similar.
- There should be an option to check your XtraTime balance.
3. Text Message:
- Create a new text message.
- Type “Balance” (without the quotes).
- Send the message to 303.
You can also read: How To Borrow Data From MTN Network know as MTN XtraByte
What are the activities that I will be able to perform on 303 IVR and *303# menu?
You will be able to perform the following;
- Request Airtime (XtraTime)
- Request Data (Xtrabyte)
- Check Balance
- Preferred Language option (Available on 303 IVR ONLY)
How will I pay back the airtime I borrowed?
You will be able to pay back any outstanding amount by recharging via physical recharge, logical recharge, Access Yello Account (AYA), MTN OnDemand, airtime received from a friend through MTN Share or received airtime through any other means.
FAQs
Q:Can I view my transaction history on MTN XtraTime?
A: Yes, you can view your MTN XtraTime transaction history! Here’s how:
Using the USSD Menu:
- Dial *303# on your MTN phone.
- Select 9 next
- select 3
- You should be able to see your recent XtraTime transactions, including borrowed amounts, service charges, and repayments.
Q: How much will I be charged for using MTN XtraTime?
A: You will be charged a service fee of 15% on ALL lending bands. The service charge will be deducted before the airtime loaned is credited into your XtraTime account.
Can I borrow airtime if I have an existing airtime loan to pay back?
Yes, you can borrow another airtime even if you have an existing airtime loan to pay back as long as you are still within your credit limit.
Q; How to view my transaction history?
A: You will be able to view your transaction history by dialling *303#, click on ‘My Account’ and select transaction history.
Q: How will I pay back the airtime I borrowed?
A; You will be able to pay back any outstanding amount by recharging via physical recharge, logical recharge, Access Yello Account (AYA), MTN OnDemand, airtime received from a friend through MTN Share or received airtime through any other means.
Q: Is there a limit on the number of times I can borrow airtime?
A: You can borrow airtime multiple times as long as you are still within your credit limit.
Q:Can I exceed my credit limit in a month?
A: No, you cannot exceed your credit limit in a month. Note: Your credit limit in a month can either increase or decrease but this is based on your recharge activities in the previous months.
Source: MTN
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