MTN xtratime: How to borrow Airtime from MTN

Are you out of airtime and you want to make important call and you don’t know what to do? if you find yourself in this situation kindly make use of MTN xtratime service to borrow airtime and repay back on your next recharge

MTN Xtratime is a convenient service offered by MTN that allows users to borrow airtime in situations where their balance is insufficient. This service provides users with the flexibility to stay connected even when they run out of credit, ensuring uninterrupted communication

In this article, we will explore the steps to borrow airtime from MTN Xtratime, including eligibility requirements, borrowing process, repayment terms, and the benefits

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Table of Contents

Benefits of MTN xtratime:

MTN XtraTime is a service offered by MTN Nigeria that allows prepaid customers to borrow airtime when they run out and pay it back later. Here are the benefits:

Emergency Credit: XtraTime provides you with 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. Simply dial a code 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 Repayment: You can repay the borrowed airtime on your next recharge, making it convenient and hassle-free.
Multiple Borrowing Options: MTN offers different XtraTime packages with varying amounts of airtime you can borrow, catering to different needs.
24/7 Availability: The service is available 24/7, so you can access it anytime, anywhere.

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Eligibility requirements for MTN XtraTime

To be eligible for MTN XtraTime, you must meet the following requirements:

You must be on an MTN prepaid plan.
Your MTN SIM card must be registered with your correct details.
Your main account balance must be between ₦0 (Zero Naira) and ₦75 (Seventy-Five Naira), depending on the amount of airtime you want to borrow.
MTN considers your average monthly spending. You need to have spent an average of ₦200 (Two Hundred Naira) monthly for the past three months.
You must have paid off any previous XtraTime loan and associated fees.

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You can borrow airtime using MTN XtraTime through these methods:

Dial *303#
Select “XtraTime”.
Choose your preferred amount from the list.
Confirm the transaction.
The airtime will be credited to your account, and the service fee will be deducted from your next recharge.

2.How to borrow airtime using MTN XtraTime IVR (Interactive Voice Response):

call 303: From your MTN mobile phone,
Listen to the announcement and select your preferred language (English, Igbo, Hausa, or Yoruba).
Select the option for XtraTime.
Listen to the available airtime amounts and select the amount you want to borrow.
Listen to the confirmation message stating the borrowed amount and the applicable service fee. Press the corresponding key to confirm the transaction.
Once confirmed, the airtime will be credited to your account, and you will receive a notification message.

3. How to borrow airtime using MTN XtraTime MyMTN App:

To borrow airtime using the MTN XtraTime feature within the MyMTN App, follow these simple steps:

If you haven’t already, download and install the MyMTN app from either the Google Play Store (for Android) or the Apple App Store (for iOS).
Open the app and log in using your MTN phone number and password. If you haven’t registered yet, you can easily create an account within the app.
Once logged in, look for the “XtraTime” or “Borrow Airtime” section. This can usually be found in the main menu or under the “Services” tab.
Select the amount of airtime you want to borrow. The app will display the available options based on your eligibility and credit limit.
Review the details of the transaction, including the borrowed amount and the applicable service fee (15%). Tap on “Confirm” or a similar button to proceed.
Once confirmed, the airtime will be instantly credited to your MTN account, and you will receive a notification message.

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How to Repay back MTN XtraTime

MTN XtraTime is designed with an automatic repayment system. This means you don’t need to take any specific action to repay the borrowed airtime.

Here’s how it works:

Borrow Airtime: When you borrow airtime using XtraTime, a 15% service charge is added to the amount.
Next Recharge: The next time you recharge your MTN line, the total amount borrowed (airtime + service fee) will be automatically deducted from your recharge amount.
Confirmation: You’ll receive a confirmation message indicating the successful deduction and your remaining balance.

For example, if you borrowed ₦100 and the service fee is ₦15, a total of ₦115 will be deducted from your next recharge. If you recharge with ₦200, ₦115 will go towards the XtraTime repayment, and the remaining ₦85 will be credited to your main account.

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How to borrow Airtime from Glo

Glo offers a service called “Borrow Me Credit” that allows you to borrow airtime when you run out. Here’s how you can borrow airtime from Glo:

Dial *303# on your Glo line.
Choose the option to borrow airtime (“Borrow Me Credit”).
Select the amount of airtime you want to borrow from the available options.
Confirm your request, and the airtime will be credited to your account.

How to borrow airtime from Airtel

Airtel Nigeria offers a service called “Extra Credit” that allows you to borrow airtime when you run out. Here’s how to borrow airtime from Airtel:

Method 1: Using USSD Code

Dial *303# on your Airtel line.
Choose the option to borrow airtime (“Extra Credit”).
Select the amount of airtime you want to borrow from the available options.
Confirm your request, and the airtime will be credited to your account.

How to borrow Airtime from MTN

MTN Nigeria offers a service called XtraTime that allows eligible customers to borrow airtime when they run out. There are a few ways to borrow airtime from MTN:

Using USSD Code:
- Dial *303# on your MTN phone.
- Select “XtraTime” from the menu options.
- Choose the amount of airtime you want to borrow from the available options.
- Confirm your request by following the prompts.
- You will receive a confirmation message once the airtime has been credited to your account.

How to borrow Airtime from 9mobile

9mobile offers a service that allows you to borrow airtime when you run out. Here’s how to borrow airtime from 9mobile:

Dial *303# from your 9mobile phone.
Choose “Borrow Airtime” from the menu options.
Select the amount of airtime you want to borrow from the available options.
Confirm your request by following the prompts.
You will receive a confirmation message once the airtime has been credited to your account.

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Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies

Contact;Kokobest04@gmail.com