Do you have an emergency call to make but are stuck somewhere with no airtime access? Or do you simply not have the means to buy it now? Worry not because I’ll show you how to borrow airtime from MTN within seconds.
Learning how to borrow airtime from MTN is essential because there might be a time when you just can’t go out and buy airtime. Sometimes you can, but you are feeling lazy to do so.
Or you are on an important call, and suddenly the airtime is exhausted. You can’t afford to waste time because every second is precious. MTN Xtratime is your friend!
The MTN Xtratime service is available to MTN subscribers on all the MTN tariff plans.
It is pretty easy to borrow airtime from MTN, and even better, you can pay anytime you have the means to. MTN will not charge you for late payment or anything, so there’s no rush.
Note: a service fee of 15% applies to any amount.
To be eligible to borrow airtime from MTN, you have loaded/spent a minimum of N500 in the last 30 days. The minimum amount of airtime you can borrow is 50 naira; the maximum depends on how much you have spent on your MTN line the previous month. The higher the amount, the more you can borrow.
How to Borrow Airtime from MTN
You can borrow airtime from MTN in three different ways. These are the USSD code, SMS, and MyMTN app.

Let’s take them one by one:
How to Borrow Airtime from MTN Through USSD code
To borrow airtime with a USSD code, you must dial *606# and then send/OK.
A pop will show you 3 options for choosing what you wish to do with the MTN Xtratime service. These options are:
1: 200 ( if it’s the maximum you are eligible for)
2: Borrow Data
3: My Account ( to check your Xtratime account details)
To borrow, simply select the first option, and you’ll be credited with the maximum amount you are eligible for.

Note: You can only borrow the maximum with this method.
If you do not wish to request the maximum amount, consider using the SMS Method.
How to Borrow Airtime from MTN Through SMS
Learning how to borrow airtime from MTN through SMS is essential if you do not wish to borrow much.
Sometimes you just need as little as N50 worth of airtime for an emergency call, SMS, or data, but the USSD method now only offers the highest you can borrow.
What’s more, this method is easier and faster than the other methods. Here’s how to borrow airtime from MTN through SMS:
Go to your messaging app and simply type the amount you wish to borrow (minimum of N50) and send it to 606
Let’s assume you want to borrow N50. Just type 50 and send it as an SMS to 606.

You’ll receive a confirmation message immediately.
And that’s how you borrow airtime from MTN through SMS.
Last but not least is the MyMTN app.
How to Borrow Airtime from MTN Through MyMTN App
Using the MyMTN app is relatively easy as well. This method also gives you the option to choose the amount you want.
Here’s how to borrow airtime from MTN through the MyMTN app:
- Open the app
- Select ‘Recharge’ at the bottom of your phone’s screen.
- Click on ‘Borrow’
- Select the Xtratime with the amount you want (For example, Xtratime200)
- Tap ‘Proceed’ on the prompt displayed.

You’ll receive a confirmation message immediately.
And that’s how to borrow airtime from MTN in 3 different methods.
Don’t want to borrow? You should buy and load an MTN card instead.
How to Load MTN Card
Every subscriber should know how to load an MTN card because it is the only way you can use your MTN line.
You probably ask someone else to load it for you whenever you want to recharge your line, but what if it’s urgent and there’s no one to help?
Let’s show you how to load the MTN card:
Once you got your card from a recharge card vendor, just go to your phone’s keypad and dial *555*Recharge PIN#
The recharge PIN is the digits on the card. So just copy them as they are, do not mix the numbers.
Let’s assume 2222 3333 4444 555 is the PIN on your card. To recharge your line with it, simply dial *555*222233334444555#, then send/OK.
A pop-up will show confirming your recharge. To check your airtime balance, dial *556#
I believe that by now you’ve learned how to borrow airtime from MTN and will be able to do it with no problem.