MTN XtraByte:How to borrow data from MTN network

Last Updated on April 30, 2025 by admin

Do you need data to complete your assignment or watch that movies? If yes relax a MN offers as convenient solution for MTN network users to borrow data when they run out at crucial moments.

In today’s data-driven world, staying connected is non-negotiable. Data borrowing services like MTN XtraByte ensure that you’re never caught off guard by sudden data shortages. Because let’s face it, a day task

If you’ve ever found yourself in a situation of no data to complete your task, don’t  panic because you can now borrow on your MTN line  and pay back later on your next recharge.

In this comprehensive guide, we’ll cover everything you need to know about MTN XtraByte, including how to borrow data with ease.

Read: MTN xtratime: How to borrow airtime from mtn Nigeria

MTN XtraByte is a service from MTN Nigeria that allows eligible prepaid customers to borrow data on credit when they run out of data and need to continue browsing. Similar to XtraTime for airtime, XtraByte lets you stay connected and pay back the borrowed data on your next recharge with a 15% service charge attached..

How To Be Eligible for MTN XtraByte

o be eligible for MTN XtraByte, you must meet these criteria:

  • Be an MTN Prepaid customer.
  • Have a registered 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.
  • Have paid off any outstanding XtraByte loan request.

If you meet these requirements, you can borrow data using USSD code (*303#) or other available channels

 

How to check for eligibility for MTN XtraByte:

You can check your eligibility for MTN XtraByte using these methods:

  1. USSD Code: Dial *303#, select “My Account,” then choose “Check eligibility.”
  2. SMS: Send “STATUS” to 303, and you’ll receive a message confirming your eligibility.
  3. IVR (Interactive Voice Response): Dial 303 and follow the voice prompts to check your eligibility

Read: How to migrate to MTN XtraValue More tariff Plan

How To Borrow Data from MTN.

To borrow data from MTN, you can use the MTN XtraByte service. Here’s how you can do it:

Using USSD Code:

  1. On your mobile device, open the phone dialer app.
  2. Dial  *303#.
  3. Follow the prompts and select the ‘XtraByte’ option.
  4. Select the amount of data you want to borrow from the list of available options.
  5. Confirm the transaction, and the borrowed data will be credited to your account.

Using the MyMTN App:

  1. Install the MyMTN app from the Google Play Store or Apple App Store.
  2. Open the app and log in with your MTN phone number.
  3.  Look for the “Borrow Data” option in the app.
  4. Choose the amount of data you want to borrow from the available options.
  5. Tap the “Borrow” button to confirm your request.

 IVR (Interactive Voice Response)

  1. Dial 303.
  2. Choose your preferred language (English, Igbo, Hausa, or Yoruba).
  3. Select “XtraByte” from the menu.
  4. Follow the voice prompts and Choose the data plan you want to borrow and confirm the transaction.
  5.  The borrowed data amount, plus a 15% service charge (including VAT), will be deducted from your account on your next recharge.

 

How can I check MTN XtraByte account balance?

To check your MTN XtraByte account balance, you can use the following methods:

Using USSD Code:

  1.  On your mobile device, open the phone dialer app.
  2. Dial *323#.
  3.  Follow the prompts and select the ‘My Account’ option.
  4.  Choose option 2 to view your XtraByte account balance.

Using the MyMTN App:

  1. Install the MyMTN app from the Google Play Store or Apple App Store.
  2.  Open the app and log in with your MTN phone number.
  3. Look for the “XtraByte” option in the app.
  4. Your XtraByte balance will be displayed on the dashboard

Read: MTN Family Pack Bundles and how to subscribed

 

Also Read: How to contact MTN Customer Care

FAQ

 

How much data can I borrow on MTN?

The amount of data you can borrow on MTN depends on your eligibility and usage history. When you request a loan through MTN XtraByte, the system will display the available data bundles you can borrow. Generally, the more you recharge and use MTN services, the higher your borrowing limit.

Can I borrow data at any time?

Yes, you can borrow data on MTN at any time, as long as you meet the eligibility criteria and have no outstanding XtraByte loan. The service is available 24/7, so you can request data whenever you need it.How do I know if I am eligible to borrow data on MTN?

 

How do I repay my borrowed data?

Repaying your borrowed data on MTN is simple! The amount you borrowed, plus a 15% service fee, will be automatically deducted from your next recharge

How can I check my borrowed data balance?

To check your borrowed data balance, the most common method across MTN mobile networks in Nigeria  is to use the USSD code by

Dialing *323# and follow the on-screen prompts. selec option 4 to checking your data balance, which should include any borrowed data.This will display your regular, bonus, and borrowed data balances.

Can I gift someone from my borrowed data?

Unfortunately, you cannot gift or transfer borrowed data from MTN XtraByte. However, you can gift data from your active data balance using MTN’s Data Gifting service

Can I increase my data limit?

Your MTN data limit depends on your usage history and eligibility. While you cannot directly increase your XtraByte borrowing limit, you can improve it over time by Recharging more frequently

Can I borrow data if I have an outstanding balance?

Generally, Yes , you can borrow data if you have an outstanding balance on a previous data loan but you must be within your credit limit.

Mobile networks in Nigeria (MTN, Airtel, Glo, 9mobile) typically require you to repay any existing borrowed data or airtime before you become eligible to borrow again

Is there interest charged on the borrowed data?

Yes, MTN charges a service fee of 15% on any data bundle you borrow through XtraByte. This fee is deducted along with the borrowed amount when you recharge your account. For example, if you borrow N50 worth of data, your total repayment will be N57.68 (N50 + N7.68 service fee

How can I check if I’m eligible to borrow data?

You can check your eligibility for MTN XtraByte using these methods:

  1. USSD Code: Dial *303#, select “My Account,” then choose “Check eligibility”.
  2. SMS: Send “STATUS” to 303, and you’ll receive a message confirming your eligibility.
  3. IVR (Interactive Voice Response): Dial 303 and follow the voice prompts to check your eligibility

Conclusion

By following these simple steps above, you can stay connected and enjoy uninterrupted internet access even when you run out of data.

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