How to Borrow Data From MTN Nigeria
How to Borrow Data From MTN Nigeria

How to Borrow Data From MTN Nigeria

Have you ever run out of data on your MTN line and needed it urgently but had no money to purchase a new data plan? Worry no more! MTN Nigeria has made it possible for its customers to borrow data and pay it back later using their XtraByte service.

This service allows prepaid customers to get instant access to data bundles when they have insufficient funds in their accounts. In this comprehensive guide, I will explain everything you need to know about borrowing data from MTN Nigeria, including eligibility requirements, steps to borrow data via USSD code and IVR, repayment terms, and more. So let’s get started!

  • Facing a data crunch? Discover the convenient ways to borrow data from MTN Nigeria and keep browsing without interruption.
  • Worried about data costs? This guide unlocks MTN Nigeria’s data loan options, helping you choose the perfect plan for your needs.
  • Get back online instantly! This detailed guide explains how to borrow data from MTN Nigeria, saving you from data downtime stress.


How to Borrow Data on MTN

Eligibility Requirements

To be eligible to use the MTN XtraByte service and borrow data, you must meet the following criteria:

  • You must be an active prepaid customer on the MTN network.
  • Your MTN line must be registered with valid KYC details.
  • You should have been using the MTN network for a minimum of 3 months.
  • You must recharge your line regularly with at least ₦200 every 30 days.
  • Have between ₦0 to ₦75 credit in your main account before borrowing data.
  • Clear any previous borrowed data balance before borrowing again.
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How to Borrow Data on MTN Via USSD Code

The easiest way to borrow data from MTN is by using the USSD code. Follow these simple steps:

  • Dial *606# on your MTN phone.
  • Select option 5 for “Borrow Credit/Recharge”.
  • Choose option 2 to “Borrow Data”.
  • Select the data bundle amount you wish to borrow from the options displayed.
  • Confirm by entering 1 and you’ll be credited instantly.

MTN will charge a 10% fee on the borrowed amount. For example, if you borrow 1GB worth ₦1000, you’ll pay back ₦1100 on your next recharge.


How to Borrow Data on MTN Through IVR

For customers who prefer calling, here are the steps to borrow data via IVR:

  • Dial 606 on your MTN line.
  • Select your preferred language and then the option for “XtraByte”.
  • Choose your required data bundle from the options.
  • Confirm by entering 1 to complete the transaction.


Repayment Policy

The borrowed data amount along with the 10% service charge gets repaid automatically from your main account during your next recharge. MTN deducts the full amount owed before loading the recharge value to your account.



How can I check my borrowed data balance?

Dial *606# and select option 2 to check your XtraByte debt balance.

What is the max amount I can borrow from MTN?

The maximum you can borrow depends on your monthly recharge habits and previous repayments. It usually ranges from ₦1000-₦5000.

How often can I use the XtraByte service?

There is no limit to usage as long as you repay on time. One outstanding debt must be cleared before borrowing again.

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Can I borrow data if my line is less than 3 months old?

No, your number must have been active for a minimum of 3 months on the MTN network.



And with that, we come to the end of this extensive guide on how to borrow data from MTN Nigeria using their XtraByte service. I hope this was helpful for you to understand the eligibility requirements, easy steps to borrow data via codes, the repayment process, and other important details. Do contact MTN customer care in case of any other queries. Happy borrowing!


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