MTN XtraTime is a service that allows you to borrow airtime on credit when you run out of airtime and payback on your next recharge. MTN XtraTime is available to ONLY Prepaid customers that are eligible for the service.
Borrow Airtime 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. Dial *303# 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.
Borrow Airtime 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.
Eligibility Criteria
Prepaid Customer
You must be a Prepaid customer
Phone Number
You must have registered your phone number
Duration
You must have been on the MTN network for more than 3 months
Minimum Spend
You must have spent at least N200 monthly for 3 months
Available Balance
You must have between N0 and N75 in your main account
Outstanding XtraTime loan
You must have paid-up any outstanding XtraTime loan request
Eligibility Criteria
Prepaid Customer
You must be a Prepaid customer
Phone Number
You must have registered your phone number
Duration
You must have been on the MTN network for more than 3 months
Minimum Spend
You must have spent at least N200 monthly for 3 months
Available Balance
You must have between N0 and N75 in your main account
Outstanding XtraTime loan
You must have paid-up any outstanding XtraTime loan request
Terms & Conditions
You will be charged a service fee of 15% on every amount you borrow.
Terms & Conditions
You will be charged a service fee of 15% on every amount you borrow.
Frequently Asked Questions
How can I check if I am eligible for the service?
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.
How do I borrow airtime?
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.
What are the different airtime bands available on XtraTime?
A. The available airtime bands on XtraTime are:
N25
N50
N100
N200
N400
N500
N750
N1000
N1500
N2000
N3000
N5000
How much will I be charged for using MTN XtraTime?
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.
Will the airtime I borrowed be loaded into my main account after successful requests?
A. No, the airtime borrowed will be credited into your XtraTime account.
