How to Borrow Airtime from MTN, Glo, Etisalat and Airtel

Do you want to Borrow Airtime from MTN, Glo, Etisalat and Airtel? With the recent advancement in service delivery, top Nigerian mobile networks have made it convenient for their premium customers to obtain airtime loans which can be used in calling any networks.

Therefore, we’re pleased to inform you that MTN allows you to borrow airtime which you can use to call any networks. With the help of MTN XtraTime, you do not have to worry whenever you want to make urgent calls whereas your account has been exhausted.

ALSO CHECK OUT: How to Send “Call Me Back’’ on Etisalat

MTN XtraTime is an opportunity for qualified MTN customers to receive airtime loans and pay them back afterwards. By “qualified customers’’, I mean there are certain requirements you must have fulfilled before you can be eligible for MTN XtraTime. And if you would like to find out these requirements, just stick with this article.

Also noteworthy is that any outstanding loan will be automatically deducted from your account when you recharge. As implied earlier, before you can borrow airtime using MTN XtraTime, you must have fulfilled some necessary conditions which imply that
  • You must be an active prepaid MTN subscriber
  • Your MTN SIM must have been duly registered
  • You must have refunded any outstanding airtime loan
  • The highest amount you can have in your main account balance is #12
  • You must have a good record such as regular airtime recharge
  • You must have recorded a reliable average monthly airtime purchase

Steps to Borrow Airtime from MTN

Before you request for airtime, you can confirm your eligibility status for MTN XtraTime by dialing *606#. Then press 1 to confirm whether you’re eligible or not. In case you’re eligible, you can follow the steps below to obtain an airtime loan:
  • Dial the code *606# from your MTN SIM card
  • On the on-screen command, choose Request Airtime
  • Choose the amount of airtime you wish to obtain
  • Meanwhile, you’re required to note that every airtime loan attracts a service charge. MTN will deduct this from the amount you will receive as airtime loan.
  • The service charge for every airtime loan is 15% of the loan value i.e. if you request for the airtime loan of #50, your account balance will be credited with #42.50 instead
Also, there is a limit to the amount you can obtain as airtime loan from MTN. The minimum amount is #50 while the maximum amount is #1000.
So, in this list of borrow-able amounts, there are #50, #100, #200, #500 and #1000

How to Borrow Airtime from MTN, Glo, Etisalat and Airtel

SECONDLY, You must understand clearly that MTN, GLO, ETISALAT and AIRTEL all have a means for you to borrow airtime and refund later.


Each network has a unique code for airtime borrowing.

How to Borrow Airtime from MTN, Glo, Etisalat and Airtel

  • ON the MTN network,You can borrow airtime from MTN by dialling either *600*amount# or *600# to follow the instructions.
  • ETISALAT has a similar process : On the ETISALAT network, dial *665*amount# or dial *665# and follow the instructions.
  • To borrow airtime from AIRTEL follow the same simple procedure as other networks Dial *500*amount#
  • GLO users are required to create a security measure for themselves before they can borrow airtime.

Step 1: Create a 4-digit PIN.

On your Glo SIM, dial *321# to create a 4-digit PIN of your choice For example 4321

Step 2: To borrow airtime from Glo; Dial *321*pin*amount# . E.g *321*4321*200#.

Things to note about borrowing airtime

  1. You need to constantly recharge to qualify for borrowing airtime.
  2. The amount you receive when you borrow airtime is less 10% service charge, i.e, if you borrow N50 you get N45.
  3. Once you borrow airtime. The borrowed amount will be deducted the next time you recharge your phone.
  4. Borrowed airtime has an expiry date. The lesser the amount, the shorter the expiry date.
  5. You can’t subscribe for data with borrowed airtime.