How to Borrow Airtime Credit with MTN XtraTIME


A lot of times you may discover you are out of airtime when you urgently need to make an important call. At that time, you might not be able to purchase airtime directly from your bank and you may be out of physical cash to buy airtime. What will do in that frustrating moment?

flash answer: The code for accessing all new MTN xtraTIME portal is *606#

MTN is Nigeria’s most popular network. It has warmed its way to the heart of Nigerians through various friendly services in order to help Nigerians communicate and get in touch with one another consistently.

For customers who may be stuck or incapable of purchasing airtime when the need arises, MTN has launched a service that will cater to their needs.

This service is called MTN xtraTIME.

How to Borrow MTN credit with MTN XtraTIME

What is MTN XtraTIME?

The MTN XtraTime is a service that permits MTN customers to ‘borrow’ airtime from the network when they have a low account balance. With MTN xtraTIME, you can borrow airtime and payback much later. You can use this borrowed airtime for calling, browsing, data subscription and texting.

So the code for accessing the MTN xtraTIME portal is *606#, you will see a  pop-up menu that will verify your eligibility for the MTN xtraTIME service.

Read: Airtel Talk More 5X Bundles: All You Need To Know

How Do I Check My MTN XtraTIME Credit Balance

That’s easy! You can simply daily *556# which will give you a clue of the outstanding MTN XtraTIME Credit Balance. Once you check your account balance, you will notice a negative value which will signal that you owe a specific XtraTIME credit Balance.

The MTN XTRA TIME credit balance you owe will be deducted from your next recharge. If the amount you recharge is lesser than the MTN XTRA TIME credit you owe, it will be subtracted whenever you recharge next.

Read: UBA Magic Banking *919#: A Step By Step Guide

MTN XtraTIME terms and conditions

So there are limitations and rules you need to abide by. These agreements are referred by MTN as terms and conditions. The MTN XtraTIME is only available for customers that are eligible.

For you to be eligible for the MTN XtraTIME service, you must:

  • be an MTN customer.
  • have an MTN prepaid sim, already registered.

Other terms and conditions are:

  • Your account balance must have a balance of 12 Naira or below.
  • Your average recharge will also be considered.
  • You must be above the age of 18. You are bound by the terms and conditions if you start using the service.

The XtraTime account is described as an account that will be made for you as soon as MTN approves your request for an XtraTine credit. 15% of your XTRA TIME credit will be for service charges, while 85% will be credited to your account.

Read: How to Load Recharge Card on All Networks – MTN, 9Mobile, Glo And Airtel

MTN XtraTIME credit bands

You are eligible for a wide variety of MTN XtraTime credit bands, as long as you met the eligibility criteria.

The MTN XtraTime credit bands are displayed below;

  • N50 xtratime credit
  • N100 xtratime credit
  • N200 xtratime credit
  • N400 xtratime credit
  • N500 xtratime credit
  • N750 xtratime credit
  • N1,500 xtratime credit
  • N3,000 xtratime credit

It is important to note that MTN has the right to introduce or withdraw any existing XTRAtime credit without prior informing you. You will be charged from the XTRA time balance, though it Is non-transferrable and cannot be used for share ‘n sell transfer.

After you have used up your xtratime airtime, you won’t be able to call or text till you have repaid your MTN xtratime credit by recharging. You can still contact the MTN customer service number.

MTN XtraTIME Service charge

There is always a deduction of 15% once you request for MTN xtratime credit. So if you request for 100 MTN xtratime credit, there will be a service charge of 15 Naira. You will be credited the remaining 85 Naira.

How to pay back MTN XtraTIME

For you to pay back your MTN xtratime owed, you have to make a recharge. First, ensure you confirm the outstanding MTN xtratime owed. Dail the balance enquiry code and you will find your owed figure in a negative figure. When you make a recharge the owed MTN xtratime will be deducted from whatever amount your recharge.

Read: How to Borrow Airtime From Glo, 9mobile, MTN and Airtel

Leave a Reply