How to Borrow Airtime on MTN Nigeria (2026 Guide)

Running out of airtime when you need to make an urgent call can be frustrating. Fortunately, MTN Nigeria allows eligible prepaid subscribers to borrow airtime through its MTN XtraTime service and repay it later when they recharge.

MTN Airtime Borrowing Code

The current MTN code for borrowing airtime is:

*303#

Simply dial the code and follow the on-screen prompts to request airtime.

How to Borrow Airtime on MTN

Method 1: Using USSD Code

1. Dial *303#
2. Select XtraTime
3. Choose the airtime amount you want to borrow
4. Confirm your request
5. Receive the airtime instantly if you are eligible.

Method 2: Direct Borrowing Code

You can also use:

*303*Amount#

Examples:

• *303*100# – Borrow ₦100
• *303*200# – Borrow ₦200
• *303*500# – Borrow ₦500

Availability depends on your borrowing limit.

Who Can Borrow Airtime on MTN?

To qualify for MTN XtraTime, you must:

• Be an MTN prepaid customer
• Have a registered MTN SIM
• Have used the line for at least 30 days
• Have recharged recently
• Meet MTN’s usage and eligibility requirements.

How to Check Eligibility

You can check whether you’re eligible by:

• Dialing *303# and selecting Check Eligibility
• Sending STATUS to 303
• Call 303 and follow the voice prompts.

Service Charge

MTN charges a 15% service fee on borrowed airtime. The fee is deducted before the airtime is credited to your account.

Example:

• Borrow ₦100
• Service fee = ₦15
• Airtime credited = ₦85
• Amount to repay = ₦100.

Available Borrowing Amounts

Depending on your recharge history and eligibility, you may be able to borrow:

• ₦25
• ₦50
• ₦100
• ₦200
• ₦400
• ₦500
• ₦750
• ₦1,000
• ₦1,500
• ₦2,000
• ₦3,000
• ₦5,000.

How Repayment Works

Once you recharge your MTN line, the borrowed airtime amount is automatically deducted from your recharge before the remaining balance is credited to your account.

FAQ