How to Borrow Data from MTN Easily Using MTN XtraByte Service?

Running out of data can be very annoying, especially when you need to browse the internet, send an important email, or stay active on social media. Thankfully, MTN users in Nigeria don’t have to stress over such situations. With the MTN XtraByte service, you can instantly borrow data and continue using the internet without missing a beat. This feature is a lifesaver during emergencies or when you can’t immediately recharge your account. Yet, despite its convenience, many MTN subscribers are still unaware of how it works or how to access it. This blog will guide you through everything you need to know to borrow MTN data quickly, easily, and without hassle.

What is MTN XtraByte?

MTN XtraByte is an emergency data loan service for prepaid users. This feature lets MTN customers borrow data on the spot when they run out. It’s one of the many convenient offerings that make MTN one of Nigeria’s top network providers.

What is the Eligibility Criteria to Borrow Data from MTN?

Not every MTN customer can use the XtraByte service right away. To qualify, you’ll need to meet a few simple conditions:

• You must be on an MTN prepaid plan.
• Your SIM card must be properly registered.
• You should have been actively using the MTN network for at least 3 months.
• Your monthly usage over the last 3 months should total ₦200 or more.
• Your main account balance should be between ₦0 and ₦75 when making the request.
• Any previous XtraByte loan must be fully repaid before applying again.

Meeting these requirements ensures MTN can trust you with borrowed data and helps keep the service available for everyone.

How to Borrow Data on MTN Using the USSD Code?

The first way to borrow MTN data is through a USSD code. The code to borrow data from MTN is *303#. Here is how it works:

• Dial *303# on your MTN line.
• Choose the XtraByte option from the menu.
• A list of all available data bundles you can borrow will appear.
• Select your preferred data bundle.
• You’ll receive a message showing the bundle cost along with the service fee. Confirm the transaction to complete the process.

Borrowing Data from MTN via Call

• You can also borrow data by calling MTN’s loan service directly:
• Dial 303 and listen to the voice prompts.
• Select your preferred language (English, Igbo, Hausa, or Yoruba).
• Choose between XtraTime and XtraByte — select XtraByte.
• The system will announce all the data amounts available for you to borrow.
• Pick your desired data plan, and you’ll get a message with the price plus service fee. Confirm to activate the bundle instantly.

How to Borrow MTN Data Using the MyMTN App?

There is an even more convenient way to borrow data from MTN. Its the MyMTN app that enables you to access MTN’s XtraByte service along with many other MTN features. If you haven’t installed it yet, download it from the Google Play Store or Apple App Store to get started.

Once you’re logged in, follow these steps to borrow data:

• From the dashboard, tap on “Borrow”.
• Choose “Data” from the available options.
• Select “Proceed to choose data”.
• Pick your preferred data bundle and confirm your selection.
• You’ll receive an SMS from MTN confirming that your borrowed data has been activated.

Key Points to Remember Before You Borrow Data from MTN:

Service Fee Applies

MTN charges a small fee for borrowed data, which will be deducted from your next recharge.

Repayment is Automatic

As soon as you recharge, MTN will automatically deduct the borrowed amount plus the service fee.

Eligibility Matters

You must meet MTN’s eligibility criteria (prepaid user, active for at least 3 months, etc.) before you can borrow.

Loan Limits Depend on Usage

The amount of data you can borrow is based on your recharge and usage history.

Outstanding Loans Block New Requests

You can’t borrow again until your previous XtraByte loan is fully repaid.

Borrowed Data Has an Expiry Date

Make sure to use your borrowed data before it expires to get the full benefit.

FAQs

1. How much will I be charged for using MTN XtraByte?

You will be charged a 15% service fee (including VAT) on any data bundle you borrow from MTN. This fee is added to the cost of the borrowed bundle and will be deducted from your main account when you recharge.

2. How can I check my XtraByte account balance?

You can check your balance in three easy ways:

Via USSD: Dial *303#, select ‘My Account’, then choose ‘2’ to view your balance.

Via Call (IVR): Dial 303, follow the prompts, press 5, and your balance will be sent via SMS.

Via SMS: Text Balance to 303.

3. Is there a limit on the number of times I can borrow data?

Yes and no. You can borrow multiple times as long as you stay within your monthly credit limit.

4. Can I exceed my credit limit in a month?

No, you can’t exceed your set credit limit. However, your limit may increase or decrease based on your recharge and usage patterns in previous months.

5. How will I pay back the data I borrowed?

Repayment is automatic. Once you recharge your MTN line, the outstanding loan amount plus the service fee will be deducted from your balance.

Conclusion:

There you go: two easy ways to borrow data on MTN. You can also borrow airtime from MTN if you are in need of that.

But, if borrowing is not your speed, you can always buy airtime and data for MTN using Tbay. The best gift card trading app where you can sell gift cards and pay bills. Download now and explore!

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