How to borrow airtime from MTN using USSD in Nigeria

To borrow airtime using the USSD code in Nigeria, follow these steps:

1. Dial *606# and select XtraTime
2. A list of amounts you can borrow will be shown to you. Select your preferred amount.
3. The network will then send you a prompt that shows you the loan you requested and the 15% service fee that will be deducted from the airtime. The prompt will ask you to confirm the transaction. Confirm the transaction.

Upon your transaction, MTN will credit your XtraTime account with the airtime balance after deducting the service fee on every amount you loan. This means that if you loan ₦100, MTN takes ₦15 naira and only allows you to use ₦85 naira of the airtime you borrowed. The next time you top up credit, the ₦100 you borrowed will be automatically paid back to MTN. If you recharge with airtime less than what you borrowed, the entire recharge will go towards your loan repayment and MTN will automatically deduct the remaining loan upon your next recharge.