How to Borrow Airtime or recharge card from MTN, Glo, Airtel and 9mobile

Last Updated on May 28, 2024 by admin

Nigeria Major Mobile Telecom company has unveiled Borrow Airtime and data now and pay later plan to their subscribers.This service allows active prepaid subscribers who meet the eligibility criteria to borrow airtime and data any time and any day.

They also disclosed that borrowed airtime or data will be deducted from your next recharge.

The process has help subscribers eliminate the worry of low call card or run out of airtime when making that important call, hence you can borrow base on your eligibility.

We shall take a look at how to borrow Airtime{Call credit} from Glo Nigeria, MTN Nigeria, Airtel Nigeria and 9mobile formally know as Etisalat Nigeria.

Important of Borrowing Airtime or recharge card from MTN, Glo, Airtel and 9mobile

Borrowing airtime or recharge card from MTN, Glo, Airtel, and 9mobile in Nigeria can be a helpful option in certain situations, providing the following benefits:

Emergency Communication: When you urgently need to make a call or send a message but have insufficient airtime, borrowing airtime can be a lifesaver. It allows you to stay connected and communicate with loved ones, colleagues, or emergency services during critical times.
Convenience: Borrowing airtime is often a quick and convenient process. You can usually access it through a simple USSD code or a mobile app, eliminating the need to visit a physical store to purchase a recharge card.
Accessibility: This service is particularly beneficial for those in remote areas or situations where accessing a physical store for a recharge card may be challenging.
Financial Flexibility: Borrowing airtime can provide temporary financial relief, especially when you are low on funds but still need to make essential calls or access mobile data.
Building Loyalty: For the mobile networks, offering airtime borrowing services can help foster customer loyalty by providing a valuable service during times of need.

However, it’s important to use airtime borrowing responsibly and only when necessary. There are usually service charges associated with borrowed airtime, so excessive borrowing can lead to unnecessary costs. It’s best to recharge your line regularly and use borrowed airtime sparingly to avoid accumulating debt

Requirement to borrow airtime in Nigeria

The requirements to borrow airtime in Nigeria vary slightly depending on the mobile network provider, but here are the general conditions:

Active Subscriber: You must be an active subscriber on the network for a certain period. This typically ranges from 2 to 6 months, depending on the provider.
Consistent Usage: You need to have a history of regular airtime usage and recharge. The specific minimum recharge amount and frequency may differ between providers.
No Outstanding Debts: You should not have any unpaid airtime loans or outstanding bills on your line.
Your sim must be register and link to NIN

Here’s a breakdown of specific requirements for major networks:

MTN XtraTime:
- Minimum 3 months on the network
- Consistent airtime and data usage
Glo Borrow Me Credit:
- Minimum 2 months on the network
- Average monthly recharge of at least ₦200
Airtel Smart Loan:
- Minimum 2 months on the network
- Average monthly recharge of at least ₦200
9mobile MoreCredit:
- Minimum 3 months on the network
- Consistent airtime and data usage

You can also read:How to transfer Airtime/call credit on MTN, Airtel,Glo and 9mobile

How Borrow Airtime from MTN

MTN Nigeria offers a service called XtraTime, which allows eligible customers to borrow airtime when they run out. There are two ways to access this service:

1. USSD Code:

Dial *303# and select XtraTime.
You will be presented with a list of available airtime amounts you can borrow.
Choose your preferred amount.
You will receive a prompt showing the borrowed amount and the 15% service fee.
Confirm the transaction to receive the airtime.

2. IVR (Interactive Voice Response):

Dial 303 and follow the voice prompts.
Select your preferred language.
Choose XtraTime.
Select your desired airtime amount from the list.
Confirm the transaction to receive the airtime

How to Borrow Airtime {Call credit} from GLO Nigeria

Glo Nigeria offers a service called Borrow Me Credit, which allows eligible prepaid subscribers to borrow airtime when they run out. Here’s how you can borrow airtime from Glo:

USSD Code:

*Dial 303#: This will open the Borrow Me Credit menu.
Choose Option: Select option 1 for “Borrow Airtime.”
Select Amount: Choose the amount of airtime you want to borrow. Glo offers various options like ₦25, ₦50, ₦100, ₦200,₦500,₦1000,₦1500,₦2000 and more.
Confirm: You’ll receive a confirmation message indicating the amount you’ve borrowed and the service charge.
Receive Airtime: The airtime will be credited to your account instantly.

Alternative USSD Codes for Specific Amounts:

*303*50# for N50,
*303*100# for N100,
*303*200# for N200,
*303*500# for N500
*303*1000# for N1000

How to Borrow Airtime {Call credit} from Airtel Nigeria

Airtel Nigeria offers a service called Airtel Extra Credit, which allows you to borrow airtime when you run out. Here’s how to use it:

USSD Code Method:

*Dial *303#: This will open the Airtel Extra Credit menu.
Choose Option: Select the option for “Borrow Airtime” or “Extra Credit”.
Select Amount: Choose the amount of airtime you want to borrow. Airtel typically offers various options like ₦50, ₦100, ₦200, and so on, depending on your eligibility.
Confirm: You will receive a confirmation message indicating the amount borrowed and the service charge.

…and so on.

How to Borrow Airtime {Call credit} from 9mobile/Etisalat Nigeria

9mobile (formerly Etisalat) Nigeria offers a service called MoreCliq that allows you to borrow airtime when you run out. Here’s how to borrow airtime using MoreCliq:

USSD Code:

*Dial *303# on your 9mobile phone.
Select “Borrow Airtime” from the menu options.
Choose the amount of airtime you want to borrow. The available amounts and service fees will be displayed.
Confirm the transaction.

You’ll receive a confirmation message once the airtime is credited to your account.

Important Considerations:

Eligibility: You must be an MTN prepaid customer and have met the eligibility criteria, which typically include a minimum tenure on the network and consistent recharge history.
Service Fee: A 15% service fee is applied to the borrowed airtime.
Repayment: The borrowed amount and service fee will be automatically deducted from your next recharge.
Credit Limit: Your credit limit will depend on your usage pattern.

Frequently Asked Questions (FAQ)

1. Who is eligible to borrow airtime?

Eligibility varies by network provider but generally requires:

Being a prepaid customer
Having an active line for a certain period (usually 2-6 months)
Consistent airtime usage and recharge history
No outstanding airtime debts or unpaid bills

2. How do I borrow airtime on each network?

MTN:
- Dial *303# and follow the prompts to select XtraTime.
- Or dial the specific code for the desired amount (e.g., 60610# for ₦10).
Glo:
- Dial *303# and select option 1 for “Borrow Airtime.”
- Or dial the specific code for the desired amount (e.g., 3211*50# for ₦50).
Airtel:
- Dial *303# and select the option for “Borrow Airtime” or “Extra Credit.”
- Or dial the specific code for the desired amount (e.g., 500100# for ₦100).
9mobile:
- Dial *303# and follow the prompts for MoreCliq.