How To Borrow Data On MTN in Nigeria?

MTN is one of the leading telecommunications companies in Nigeria, with millions of subscribers who use data daily. Data is essential for browsing the internet, streaming videos, downloading files, and using social media apps. However, sometimes you may run out of data when you need it the most. What can you do in such a situation?

Fortunately, MTN has a solution for you. You can borrow data from MTN using the XtraByte service. This service allows you to borrow data on credit and pay back on your next recharge. This way, you can stay connected and enjoy your online activities without interruption.

In this article, you will learn how to borrow data on MTN in Nigeria using different methods. You will also find out the eligibility criteria, service fees, and repayment terms for using the XtraByte service. Additionally, you will get some useful tips and tricks to save data and avoid running out of it.

So, if you want to know how to borrow data on MTN in Nigeria, keep reading this article.

How to Borrow Data on MTN in Nigeria

The XtraByte service is available to all eligible MTN prepaid customers. To be eligible, you must:

• Be a prepaid customer
• Have registered your number
• Have been on the MTN network for more than 3 months
• Have spent at least N200 monthly for 3 months
• Have between N0 and N75 in your main account
• Have paid up any outstanding XtraByte loan request

If you meet these criteria, you can borrow data from MTN using any of the following methods:

How To Borrow Data on MTN in Nigeria Method 1: Using USSD Code

This is the easiest and fastest way to borrow data from MTN. All you need to do is:

• On your phone, dial *606# and select XtraByte.
• The system will display all the data bundles that you can borrow.
• Select your preferred data plan from the list.
• The system will send you a message with the amount plus the applicable service fee.
• Confirm the transaction.

Once you confirm your transaction, the system will deduct the service fee from your main account. Your line will be loaded with the selected data bundle. The bundle fee and applicable service charge will be debited from your account when you recharge your account.

How To Borrow Data on MTN in Nigeria Method 2: Using IVR

This is another way to borrow data from MTN using the Interactive Voice Response (IVR) option. To use this method, follow these steps:

• On your phone, dial 303.
• The system will play an announcement for you to select your preferred language. The available options are English, Igbo, Hausa, and Yoruba.
• Upon selecting your preferred language, you will be required to select XtraByte.
• The system will play out all the data amounts that you can borrow.
• Choose your preferred data plan from the list.
• The system will send you a message with the amount and applicable service fee.
• Confirm the transaction.

The bundle fee and applicable service charge will be debited from your main account on your next recharge.

XtraByte Plans and Service Fees

MTN offers different data plans that you can borrow depending on your needs and eligibility. The table below summarizes the XtraByte plans, prices, service fees, and validity periods.

XtraByte Plan	Data Bundle	Bundle Price	Service Fee	Recovered Amount	Validity Period
D1	40MB	N50	15%	N57.5	24 hours
D2	100MB	N100	15%	N115	24 hours
D3	1GB + 3min	N350	15%	N402.5	24 hours
D4	200MB	N200	15%	N230	3 days
D5	2GB	N500	15%	N575	2 days
W1	350MB + 3min	N300	15%	N402.5	7 days
W2	1GB + 5min	N600	15%	N690	7 days
W3	5GB	N1500	15%	N1725	7 days
W4	600MB + 3min	N500	15%	N575	7 days
M1	1.2GB + 5min	N1000	15%	N1150	30 days
M2	1.5GB + 5min	N1200	15%	N1380	30 days
M3	3GB + 5min	N1600	15%	N1840	30 days
M4	4GB + 10min	N2000	15%	N2300	30 days
M5	8GB + 15min	N3000	15%	N3450	30 days
M6	12GB + 25min	N4000	15%	N4600	30 days
M7	20GB + 25min	N5500	15%	N6325	30 days

You can check the available data plans by dialing *606# or 303 and selecting XtraByte.

How to Repay Your XtraByte Loan

When you borrow data from MTN, you are expected to repay it on your next recharge. The system will automatically deduct the amount you owe from your main account. You can also repay your loan manually by dialing *606# or 303 and selecting XtraRepay.

If you do not repay your loan within 30 days, you will be barred from using the XtraByte service until you clear your debt. You will also be charged a late payment fee of 0.5% per day.

Eligibility to Borrow Data to MTN Nigeria

Not every user of the MTN network is authorized to use the XtraByte service. To be eligible for the service, you must meet the following criteria;

1. You must have paid all outstanding XtraByte credit requests
2. You must have registered your MTN number
3. You must be a prepaid customer of MTN Nigeria
4. You must have been using the MTN SIM card for more than 3 months to qualify
5. You must have spent at least N200 monthly for at least 3 months
6. You must have between N0 and N75 in your main account

What are the service costs?

When borrowing data from MTN Nigeria, keep in mind that you will have to pay a service fee. But how much do you get billed? Well, the information gathered shows that for every data package you borrow from MTN Nigeria, you will be charged a 15.36% service fee (including VAT). The mentioned service costs are settled with the data package that you have borrowed and your main account is debited with the package amount plus the service costs.

How much data can you borrow from MTN Nigeria?

The amount of data that a person can borrow from MTN Nigeria depends on the profile of the client.

Several factors, including how much data you load regularly and how long you’ve been on the web. When you start your loan application, you will be presented with the smallest and highest amount of data you can borrow.

When must the loan be repaid?

When you borrow data on MTN Nigeria, you are expected to repay the loan on your next top-up. This means that the next time you charge your phone with Airtime, the airtime equivalent of the borrowed data will be immediately debited from your account. Learn how to borrow data on mtn without paying back here.

Is it possible to transfer borrowed data?

The obvious answer to this question is, “No!” You cannot transfer data that you have borrowed from MTN Nigeria to another MTN number. However, you can share your data with someone else if you purchased that data in the normal way.

Is it better to use borrowed airtime to buy data or just borrow data?

The answer to this question depends on you, the customer who wants to take out a loan. If you need both airtime and data and you don’t have the money to buy it right now, you’ll have to borrow airtime from the network, buy some data with it, and save the remaining airtime for calls you need to contact.

However, if you only need data, it is better to borrow the data directly without borrowing airtime first.

Tips and Tricks to Save Data and Avoid Running Out of It

Borrowing data from MTN is a convenient way to stay online when you run out of data. However, it is not advisable to rely on it all the time. Borrowing data comes with a service fee and a repayment obligation. Therefore, you should try to save data and avoid running out of it as much as possible.

Here are some tips and tricks to help you save data and avoid running out of it:

• Monitor your data usage and set a limit. You can use the MyMTN app or dial 1314# to check your data balance and usage. You can also set a data limit on your phone settings to prevent exceeding your data plan.
• Turn off background data for apps that you do not use frequently. Some apps may consume data in the background even when you are not using them. You can turn off background data for such apps on your phone settings to save data.
• Use data-saving modes on your browser and apps. Some browsers and apps have data-saving modes that reduce the amount of data they use. You can enable these modes on your browser and app settings to save data.
• Avoid streaming or downloading high-quality videos or music. Streaming or downloading high-quality videos or music can consume a lot of data. You can reduce the quality or resolution of the videos or music on your streaming or downloading app settings to save data.
• Use Wi-Fi whenever possible. If you have access to a Wi-Fi network, you can use it instead of your mobile data to save data. You can also use Wi-Fi to download large files or update your apps.
• Buy data bundles that suit your needs and budget. MTN offers different data bundles that you can choose from depending on your needs and budget. You can dial 1311# or use the MyMTN app to buy data bundles that suit you.

FAQs – How To Borrow Data on MTN in Nigeria

Here are some frequently asked questions and answers about how to borrow data on MTN in Nigeria.

Conclusion

In this article, you have learned how to borrow data on MTN in Nigeria using the XtraByte service. You have also learned the eligibility criteria, service fees, and repayment terms for using the service. Additionally, you have learned some tips and tricks to save data and avoid running out of it.

We hope that this article has been helpful and informative for you. If you have any questions or feedback, please feel free to leave a comment below. Thank you for reading and have a great day.