Update on How to Borrow Data from MTN (When You Are Still Owing) 2024

Borrow Data MTN When Owing

Read this Guide on How to Borrow Data from MTN: Yes, everything You Need to Know.

MTN, Nigeria’s leading mobile network operator, understands your struggle. That’s why they offer their convenient XtraByte service, allowing you to borrow data whenever you’re in a pinch.

Who is Eligible to Borrow Data on MTN?

The good news is that most prepaid and postpaid MTN subscribers are eligible to borrow data!

  • Your MTN SIM or line must be active for at least 3 months.
  • You must have made at least N200 recharge in the last 7 days.
  • You shouldn’t have any outstanding bills or unsettled data loans.

Understanding MTN’s XtraByte Service

XtraByte is essentially a credit line for your data needs. You can borrow a specific amount of data and repay it later, along with a service fee, on your next recharge.

Think of it like borrowing airtime, but instead of calling minutes, you get precious data megabytes or gigabytes!

Methods to Borrow Data on MTN

Method 1: The Speedy USSD Code (*303# & *606#)

Borrowing with *303#

  1. Dial *303# on your phone.
  2. Now, go through the prompt, and select your preferred data plan.
  3. Confirm and wait for a response or message from MTN.

Borrowing with *606#

  1. Dial *606# on your phone.
  2. Choose the “Data XtraByte” option.
  3. Follow the prompts to select your preferred MTN data bundle.
  4. Confirm your selection, and you’re good to go!

Method 2: Calling the Interactive Voice Response (IVR)

Borrowing via MTN IVR

  1. Dial 303 on your phone.
  2. Follow the voice instructions to select the “Data XtraByte” option.
  3. Choose your desired data plan and confirm your selection.

Method 3: Borrowing Through the MyMTN App

Borrowing on the MyMTN App

  1. Download and open the MyMTN app.
  2. Navigate to the “XtraByte” section.
  3. Choose your desired data bundle and confirm your selection.

How to Borrow Data from MTN Nigeria When You Are Still Owing Them

Unfortunately, borrowing data directly from MTN when you still have an outstanding balance isn’t possible. This policy helps MTN manage its fi risk and encourages users to be responsible with their data usage. However, there are a few alternative options to consider when you need data despite having an outstanding balance:

1. Settle your outstanding MTN balance: This is the most simple, responsible approach. Top up your airtime to clear the outstanding balance, allowing you to access regular data plans and services.

2. Explore alternative data sources:

  • Public Wi-Fi: Look for free Wi-Fi hotspots in cafes, libraries, or public spaces to connect to the internet without using your data allowance.
  • Data Gifting: If a friend or family member has spare data on their MTN line, they can share it with you using MTN Data Gifting. This allows them to transfer a specific data amount to your line.
  • Borrow a phone: If the situation allows, politely ask a friend or family member if you can use their phone to access the internet temporarily.

3. Consider alternative communication methods:

  • Free Wi-Fi calling apps: Utilize apps like WhatsApp and Facebook Messenger that offer free voice and video calls over Wi-Fi connections.
  • Text messaging: While not ideal for large amounts of data transfer, text messages can facilitate basic communication without using data.

4. Contact MTN customer service: In specific situations, contacting MTN customer service might provide some assistance, depending on their policies and individual circumstances. However, it’s important to understand that they might not offer direct data loans to users with outstanding balances.

Remember, responsible MTN data usage and managing your airtime balance effectively are crucial to avoid situations where you need MTN data while owing Mo. Consider opting for MTN data plans that align with your needs and budget to prevent exceeding your limits and incurring additional MTN charges.

Important Things to Remember Before Borrowing Data

Data Plans Available for Borrowing

MTN offers various data plans for borrowing, ranging from small quantities (e.g., 15MB) to larger bundles (e.g., 1GB). Choose the plan that best suits your immediate needs.

Charges and Repayment Terms

Each data plan on MTN comes with a service fee, typically a percentage of the borrowed amount. This fee is added to your next recharge bill. Remember to factor this in when making your decision.

Data Validity Periods

Borrowed data on MTN has a specific validity period, usually ranging from 24 hours to 7 days. Make sure you use the data within this period, or it will expire, and you’ll still be charged the service fee.

Example: Borrowing 1GB and Repaying

Let’s say you borrow 1GB (maybe cost is N200) of data with a 7-day validity period and a 15% service fee. Here’s what you can expect:

  • Borrowed amount: MTN 1GB data
  • Service fee: 15% of 1GB = 150MB (approximately)
  • Total data received: 1GB + 150MB = 1.15GB
  • Total amount to repay: N200 (cost of 1GB plan) + N30 (cost of 150MB service fee)

Remember, the actual costs will depend on the specific MTN plan you choose. This illustration is for you to understand.

Frequently Asked Questions (FAQs)

How much will be deducted if I borrow 200 from MTN?

MTN doesn’t offer direct airtime loans. Therefore, there’s no service fee associated with borrowing 200 Naira. However, if you’re referring to borrowing airtime through the MTN XtraTime service, the amount deducted depends on the specific loan amount you choose and the associated service fee. It’s always best to check the latest information through the MyMTN app, website, or USSD code (*606#) before borrowing to understand the total amount deducted.

Why can’t I borrow data from MTN?

As mentioned earlier, MTN’s current policy doesn’t allow directly borrowing data when you have an outstanding balance. This policy promotes responsible data usage and helps manage their fi risks. However, you can explore alternative solutions like purchasing MTN data bundles, utilizing free Wi-Fi, or having a friend or family member share data with you through MTN Data Gifting. Remember, responsible data usage and managing your airtime balance effectively are crucial to avoid situations where you need data while owing Mo.

Can I borrow data if I have an outstanding balance?

No, you cannot borrow data if you have any outstanding bills or unsettled data loans on your MTN line. Clear your outstanding debts first before being eligible to borrow again.

How can I check my remaining borrowed data balance?

Dial *131# and select “Check Data Balance.” This will display your main data balance and any outstanding borrowed data balance.

Are there any alternative ways to get extra data on MTN?

Yes! MTN offers various data gifting and sharing options. You can also subscribe to data bundles that suit your usage patterns to avoid running out in the first place.

Can I borrow data while roaming internationally?

Unfortunately, the XtraByte service is currently not available for international roaming.

How do I check if I am eligible to borrow data from MTN?

To check your eligibility for MTN XtraByte, dial *606# and follow the prompts. The system will provide information about your eligibility status and guide you on how to proceed if you are eligible.

What is the repayment process for borrowed data on MTN?

When you borrow data using MTN XtraByte, the repayment is automatic. The next time you recharge, the equivalent amount, including a service charge, will be deducted from your airtime. Make sure to have enough airtime on your account to cover the repayment.

Can I borrow data on MTN if I have an existing data bundle?

Yes, you can borrow data on MTN even if you have an existing data bundle. MTN XtraByte allows you to borrow data regardless of whether you have an active data bundle or not.

Is there a service charge for borrowing data on MTN?

Yes, there is a service charge for using MTN XtraByte to borrow data. The fee changes depending on how much data you borrowed. The total amount, including the service charge, will be deducted from your airtime during the repayment process.

What happens if I don’t repay the MTN borrowed data on time?

If you fail to repay the borrowed data on time, MTN may restrict your ability to borrow again until the outstanding amount is settled. It is important to repay the borrowed data promptly to avoid any service interruptions.

How do I opt-out of MTN XtraByte?

To opt-out of MTN XtraByte, you can dial *606# and follow the prompts to deactivate the service. Keep in mind that opting out does not exempt you from repaying any previously borrowed data.


MTN’s XtraByte service is a valuable tool for staying connected when your data runs low. Remember to borrow responsibly, considering your needs, budget, and repayment terms.

Now, you can leverage XtraByte to bridge the gap and ensure seamless connectivity whenever you need it.