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.

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?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?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?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?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?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.

Summary of XtraTime bandsSummary of XtraTime bands
Lending band Total Spend from previous month Old Maximum Balance in Main Account (NGN) New Maximum Balance in Main Account (NGN) Airtime Value to be credited to customer Service charge USSD SMS Keyword to 303 Service Fee
N25 NGN 50 – 100 5 5 21.25 3.75 *303*25# 25 15%
N50 NGN 101- 199.99 12 12 42.5 7.5 *303*50# 50
N100 NGN 200 – 799.99 12 15 85 15 *303*100# 100
N200 NGN 800 – 1599.99 20 30 170 30 *303*200#  200
N400 NGN 1600- 1999.99 40 60 340 60 *303*400# 400
N500 NGN 2000 – 2999.99 50 75 425 75 *303*500# 500
N750 NGN 3000 – 5999.99 75 112.5 637.5 112.5 *303*750# 750
N1000 NGN 6000 – 7999.99 75 150 850 150 *303*1000# 1000
N1500 NGN 8000 – 11999.99 225 1275 225 *303*1500# 1500
N2000 NGN12000 – 14999.99 300 1700 300 *303*2000# 2000
N3000 NGN15000 – 19999.99 450 2550 450 *303*3000# 3000
N5000 Above NGN20000 750 4250 750 *303*5000# 5000