How to borrow Xtratime from MTN

In need of airtime and unsure of what to do? Look no further, as we have the perfect solution for you. In this guide, we will walk you through the simple steps to borrow airtime from MTN, one of Africa and the Middle East’s leading mobile network providers. Say goodbye to the hassle of running out of airtime, and say hello to uninterrupted communication with MTN’s convenient borrowing feature.

About MTN

MTN, short for Mobile Telecommunications Network , is a prominent telecommunications provider with operations in many countries across Africa and the Middle East. Renowned for its extensive network coverage and cutting-edge services, MTN has become a household name in the telecoms sector.

MTN offers a range of services to its customers, including voice calls, SMS, mobile data, mobile banking, and value-added services. Customers can choose from various postpaid and prepaid plans to suit their needs and financial situation.

Apart from its core services, MTN has introduced several digital initiatives and products to enhance the customer experience. These include mobile apps for managing accounts and services, mobile money platforms for financial transactions, and content platforms for music, videos, and news.

What is MTN Xtratime

MTN Xtratime is an airtime advance service that allows prepaid customers to borrow airtime when they run out, with the option to repay it on their next recharge. This service is available in most MTN markets.

To borrow airtime using MTN Xtratime, you can dial 606# from your MTN phone or use the MTN app. Simply select the amount of airtime you want to borrow and enter your MTN PIN. You will then receive a confirmation message from MTN, and the airtime will be credited to your account.

Eligibility to Borrow from MTN

To be eligible for the Xtratime service, follow these steps:

• Ensure your phone number is registered.
• Have been an MTN network user for more than three months.
• Spend at least N200 every month for the past three months.
• Check your main account balance and ensure it’s between N0 and N75.
• Clear any outstanding XtraTime loan requests.

How to Borrow Airtime from MTN using USSD Code

To borrow airtime using the Xtratime service, follow these simple steps:

1. Dial *303# on your phone.
2. Choose “XtraTime” from the options.
3. Select the preferred amount you want to borrow.
4. Confirm the transaction following the instructions provided.

The service fee will be deducted from the borrowed amount, and the remaining airtime balance will be credited to your XtraTime account.

You will receive a notification confirming the success of the transaction.

How to Borrow Airtime from MTN using Interactive Voice Response (IVR)

You can also borrow airtime using the Xtratime service through IVR:

1. Dial the number 303 on your phone.
2. Select your preferred language from the options (English, Igbo, Hausa, or Yoruba).
3. Choose “XtraTime” for airtime borrowing.
4. Listen to the available airtime amounts and select your preferred one.
5. Confirm the transaction as instructed.

The service fee will be deducted, and the remaining airtime will be credited to your XtraTime account.

You will receive a notification confirming the success of the transaction.

How to Check Eligibility to Borrow from MTN

To check if you are eligible for the XtraTime service, you have a few options:

1. Dial *303# and select “My Account,” then check eligibility.
2. Send an SMS with the keyword “STATUS” to the number 303.
3. Dial the number 303 and follow the voice prompts to check your eligibility.

How to Check Your Xtratime Account Balance

To check your XtraTime account balance, you have multiple options:

1. Dial *303# and select “My Account,” then check your balance.
2. Dial 303 on your phone, follow the voice prompts, and press ‘5’ to check your balance.
3. Send an SMS with the keyword “Balance” to the number 303.

MTN XtraTime Service Charges

When you use MTN XtraTime to borrow airtime, a service fee of 15% is charged on all lending bands. This fee is deducted before the loaned airtime is credited to your XtraTime account. For example:

If you borrow N50, a service fee of N7.5 (15% of N50) will be deducted, and you’ll receive N42.5 in your XtraTime account. Your main account will be debited with the full N50, which you’ll need to repay on your next recharge.

The same principle applies to other borrowing amounts.

Frequently Asked Questions:

What is the MTN Borrow Service Charge?

MTN charges a 15% service fee on the borrowed airtime or data, not the total amount paid.

How many languages are available on MTN 303 IVR menu?

There are four languages available on the 303 IVR menu: Hausa, Yoruba, Igbo, and English.

Is there a limit on how many times I can borrow airtime?

Yes, there is a limit on the number of times you can borrow airtime through MTN XtraTime, which may vary depending on factors like your account status and repayment history.

Can I increase my XtraTime credit limit?

Yes, your XtraTime credit limit may increase over time based on your account history and usage patterns.

Conclusion

Borrowing airtime from MTN’s Xtratime service offers a convenient solution for prepaid customers in need of airtime. By following simple steps through USSD code or IVR, customers can easily borrow airtime and repay it on their next recharge. MTN’s eligibility criteria and competitive service fees provide flexibility and convenience to its users.