No, MTN XtraTime is available to ONLY Prepaid customers that are eligible for the service.

To be eligible for XtraTime service, you MUST:

1. To Be a Prepaid customer.
2. Have registered your SIM in line with NCC requirements.
3. 3. Have been on the MTN network  for more than 30 days.

Your eligibility also depends on how long your line has been active and your usual recharge/spend level:

1. Low-spend customers (₦50 – ₦100 range): Your line should be between 30days and 90days on the network.
2. Medium-spend customers (above ₦100): Your line should be between 90days and 180days on the network.
3. High-spend customers (₦6,000 and above): Your line should be 180days or more on the network.

Note:

• Eligibility for XtraTime is reviewed automatically based on your recharge history, usage pattern, and how long your line has been active.

Meeting these criteria does not always guarantee access, as additional checks may apply to ensure responsible usage

A. You can check if you are eligible for XtraTime service by;

• Dialling *303#, clicking on ‘My Account’ and selecting ‘1’ to ‘Check eligibility’.
• Sending SMS keyword: STATUS to 303
• Dialling 303 then follow the voice prompt to confirm if you are eligible or not.

A. Simple. Once you have confirmed that you are eligible for the service, you can then follow either of the below steps to borrow airtime:

Borrowing via *303# Menu:

• Dial *303# and select XtraTime
• You can then select your preferred amount from the list
• After selecting your preferred amount, the system will then send you a message with the amount you are about to borrow and the applicable service fee for you to confirm the transaction.
• Once you confirm your transaction, the system will deduct the service fee, credit your XtraTime account with the remaining airtime balance and send you a successful notification message.

Borrowing via 303 IVR:

•  Dial 303 and the system will play an announcement for you to select your preferred language, either English, Igbo Hausa or Yoruba.
• Upon selecting your preferred language, you will be required to select either XtraTime or XtraByte.
• Once you select XtraTime, the system will then play out all the airtime amount that you can borrow.
• You can then select your preferred amount from the list
• After selecting your preferred amount, the system will then play an announcement with the amount you are about to borrow and the applicable service fee for you to confirm the transaction.
• Once you confirm your transaction, the system will deduct the service fee, credit your XtraTime account with the remaining airtime balance and send you a successful notification message.

Note: You will be charged a sefrvice fee of 15% on every amount you borrow.

A. The available airtime bands on XtraTime are:

• N25
• N50
• N100
• N200
• N400
• N500
• N750
• N1000
• N1500
• N2000
• N3000
• N5000

The consent notice you got is to ensures that customers explicitly approve the use of their mobile number for profiling before accessing any airtime or data loan.

• If you consent, you will proceed with the airtime or data loan request.
• If you decline, the request will be terminated, and your line will not be eligible to access XtraTime.

The prompt will be displayed at the point of request when you attempt to access the XtraTime service via USSD and SMS channels. Once you consent you will not get the notice again, and if you decline, you will get the prompt the next time you try to use Xtratime service.

You will not be charged for consenting or declining the prompt.

A. You will be charged a service fee of 15% on ALL lending bands. The service charge will be deducted before the airtime loaned is credited into your XtraTime account. (Please refer to table below)

Example 1: If you request for N25, a service fee of N3.75 (15% of N25) will be deducted and you will be credited with N21.25 in your XtraTime account BUT your main account will be debited with N25, i.e. you main account will be in –N25. This implies that you are to pay back N25 on your next recharge.

Example 2: If you request for N100, a service fee of N15 (15% of N100) will be deducted and you will be credited with N85 in your XtraTime account BUT your main account will be debited with N100, i.e. you main account will be in -N100. This implies that you are to pay back N100 on your next recharge.

A. No, the airtime borrowed will be credited into your XtraTime account.

A. You can check your XtraTime account balance in the following ways;

• From the *303# menu, select ‘My Account’ then select ‘2’ to view your account balance.
• From 303 IVR menu: Simply dial 303, follow the voice prompt, press 5 and your account balance will be sent to you in an SMS.
• From SMS: Text Balance to 303

A. You will be able to perform the following;

• Request Airtime (XtraTime)
• Request Data (Xtrabyte)
• Check Balance
• Preferred Language option (Available on 303 IVR ONLY)

A. There are 4 different languages on the 303 menu – Hausa, Yoruba, Igbo and English. You can select your preferred language and change it at any time. However, if you do not select a preferred language, you will be defaulted to English.

A. No, you will not be charged for accessing 303 IVR or *303# menu. It is absolutely free.

A. Yes, you can borrow another airtime even if you have an existing airtime loan to pay back as long as you are still within your credit limit.

A. Yes, you will be able to borrow airtime or data multiple times within your credit limit. You can also borrow airtime and data at the same time but within your credit limit.

A. You can borrow airtime multiple times as long as you are still within your credit limit.

A. No, you cannot exceed your credit limit in a month. Note: Your credit limit in a month can either increase or decrease but this is based on your recharge activities in the previous months.

Yes. You will be able to borrow up to N10,000 once you are eligible. This means that you can take multiple Xtratime loans up to the sum of N10,000 and pay back on your next recharge.

Note: You will NOT be able to take a N10,000 at ONCE.

Example

Ulama is eligible for N10,000. She took multiple Xtratime loans of N3000, N2000, N1500, N1000, N200, and Xtrabyte N2300. She will not be able to take another loan, because she has reached the N10,000 limit, but once she makes a partial, exact, or full repayment of the outstanding loan, she will be able to take another Xtratime loan.

A. Yes, you can increase your XtraTime credit limit by increasing your spend from month to month.

Note: Based on your monthly spend, you can increase your Xtratime credit limit up to a maximum of N10,000.

A. You will be able to pay back any outstanding amount by recharging via physical recharge, logical recharge, Access Yello Account (AYA), MTN OnDemand, airtime received from a friend through MTN Share or received airtime through any other means.

A. Yes, you will be able to view your transaction history by dialling *303#, click on ‘My Account’ and select transaction history.

A. No, the airtime borrowed does not have an expiry date/validity period.

A. No, you will NOT be able to transfer airtime from your XtraTime account via MTN Share ‘n Sell or any other means to another customer’s account.

A. The airtime borrowed can be used for all chargeable activities on the MTNN network, including but not limited to:

• Voice calls
• SMS
• MMS
• Prepaid Data Bundles
• Premium rated services
• MTN Backup
• MTN Caller Tunez
• MTN Play
• Other current and future VAS services

A. The applicable rates for the services used will be based on your current tariff plan rate.

A. No, your call will be suspended once you exhaust the airtime unless you have any airtime in your main account or active airtime/minute bonus in your dedicated account.

A. When the recharge amount is less than the loaned amount, the amount recharged will be used to reduce the amount you borrowed but your main account will still be in negative of the remaining loan amount. But subsequent recharges will be used to recover whatever is outstanding until the loan is fully recovered.

A. When the recharge amount is greater than the outstanding airtime amount, the airtime amount recharged will be used to clear the loan amount and the balance will then be credited into your main account.

A. In cases where you recharge using a different recharge code, e.g. AWUF4U, the XtraTime credit borrowed will be deducted from the amount recharged then the balance or any associated bonus will be loaded into their respective dedicated accounts.

A. Yes, any airtime received or recharged via any channel can be used to pay off any outstanding XtraTime loan.

A. No, you cannot use any airtime in your airtime bonus account to offset the airtime borrowed.

A. Yes, you can recharge and offset the airtime borrowed even if you have not used it.