how to borrow data from mtn line

Staying online is essential for work, communication, and accessing vital information in today’s hyper-connected world. However, there are times when we find ourselves running out of mobile data at the most inconvenient moments.

To address this issue, MTN offers a convenient solution: data borrowing. In this article, we will provide you with a comprehensive guide on how to borrow data from MTN, ensuring that you can stay connected and never miss a beat, even when your data balance runs low.

What Is MTN XtraBytes?

MTN XtraByte is a unique service offered by MTN, a telecommunications company, which allows its prepaid customers to borrow additional data when they run out or are running low on their existing data balance. It provides a temporary solution to stay connected and continue enjoying internet services until the next data recharge.

Requirements To Borrow From MTN

  • Register your Number: Ensure that your mobile number is registered with MTN. This is a necessary step to become a prepaid customer.
  • Three Months on MTN: You should have been using the MTN network for a minimum of three months. This shows your loyalty and commitment.
  • Monthly Expenditure: Maintain a consistent monthly expenditure of at least N200 for three consecutive months. This demonstrates your regular use of MTN services.
  • Account Balance: Keep your main account balance between N0 and N75. This means you should have used your airtime but not exhausted it completely.
  • Clear XtraByte Loan: Make sure you have paid off any outstanding XtraByte loan requests. This shows that you are a responsible customer.

How To Borrow Data From MTN Using Code

  • Dial *303#: To initiate the data borrowing process, dial *303# on your MTN line. This will give you access to the XtraByte service.
  • Select XtraByte: From the options presented on your screen, select the XtraByte option. This will take you to the data bundle selection menu.
  • Choose Data Bundle: The system will display a list of available data bundles that you can borrow. Take your time to browse through the options and select the data plan that suits your needs
  • Confirm Transaction: After selecting your preferred data plan, the system will send you a message with the total amount, including the applicable service fee. Review the details and confirm the transaction if you’re satisfied.
  • Transaction Completion: Once you confirm the transaction, the system will credit the borrowed data to your XtraByte account. At the same time, it will deduct the bundle cost and service fee from your main account. Finally, you will receive a notification confirming the successful data borrowing transaction.

How much will I be charged for using MTN XtraByte?

When using MTN XtraByte, you will be charged a service fee of 15.36% (including VAT) on the data bundle you borrow. The service charge is applied on top of the data bundle amount. Additionally, your main account will be debited with the total amount, including the bundle fee and the service fee.

Example 1

To illustrate this with an example, let’s say you request a data bundle of 25MB that has an original cost of N50. When you borrow this bundle, you will be credited with the data value of 25MB. However, your main account will be debited with -N57.68, which includes the N50 bundle fee and an additional N7.68 service fee. This means that you will need to pay back the total amount of N57.68 on your next recharge.

Example 2

Let’s say you decide to borrow a data bundle of 100MB, which typically costs N200. With the service fee of 15.36% applied, your main account will be debited with -N230.72. This includes the N200 bundle fee and an additional N30.72 service fee. You would then need to repay the total amount of N230.72 on your next recharge.

Example 3

Suppose you choose to borrow a larger data bundle of 1GB, priced at N1000. Once the service fee of 15.36% is applied, your main account will be debited with -N1153.60. This includes the N1000 bundle fee and an additional N153.60 service fee. To clear the debt, you would need to recharge and repay the full amount of N1153.60.

Read Also:  How to Unshare Data on MTN

Various Data Plans Available On XtraByte?

  • 40MB – 24 hrs.
  • 100MB – 24 hrs.
  • 1GB – 24 hrs
  • 200MB – 3 days
  • 2GB – 2 days
  • 350MB – 7 days
  • 1GB – 7 days
  • 6GB – 7 days
  • 750MB – 14 days
  • 5GB – 30 days
  • 2GB – 30 days
  • 3GB – 30 days
  • 5GB – 30 days
  • 6GB – 30 days
  • 12GB – 30 days
  • 20GB – 30 days

Is MTN XtraByte Available To All Customers?

No, MTN XtraByte is not available to all customers. It is exclusively available to MTN prepaid customers who meet the eligibility criteria set by the company. Only prepaid customers who qualify for the service can access and utilize MTN XtraByte.

Benefits of MTN XtraBytes

Instant Data Access

One of the major benefits of MTN XtraBytes is the ability to instantly access additional data when your existing data balance runs out. This ensures uninterrupted internet access without having to wait for a data recharge or find a Wi-Fi connection.

Emergency Connectivity

In critical situations where you urgently need internet access but don’t have sufficient data or credit, XtraBytes comes to the rescue. It allows you to borrow data on the spot and stay connected during emergencies or important tasks.

Convenience and Flexibility

XtraBytes provides flexibility in data borrowing. It offers a variety of data bundle options to choose from, allowing you to select the amount of data that suits your immediate needs. This flexibility ensures that you have control over your data usage and can cater to your specific requirements.

No Service Interruption

With XtraBytes, you can continue using internet services seamlessly, even when your data balance is depleted. This means you can stay connected to social media, browse the web, stream videos, or perform any online activity without any interruptions or disruptions.

Cost-Effective Solution

XtraBytes allows you to borrow data without the need for an immediate recharge. This can be a cost-effective solution as it saves you from purchasing a new data plan when you only require a small amount of additional data. It gives you the option to borrow the exact amount you need, helping you manage your data expenses efficiently.

Convenience for Prepaid Customers

XtraBytes is exclusively designed for MTN prepaid customers, providing them with a valuable service that enhances their overall experience. It offers a convenient way to access data without the need for a postpaid contract or credit checks, making it accessible to a wider customer base.

Enhanced Connectivity

By using XtraBytes, you can maintain a consistent online presence and enjoy uninterrupted connectivity. This is particularly beneficial for professionals, students, or anyone who heavily relies on internet services for work, education, or communication purposes.

Usage Tracking and Control

XtraBytes enables customers to monitor their data usage and control their expenditure. With the ability to borrow data as needed, customers can keep track of their data consumption and make informed decisions about their future data purchases.

Customer Loyalty Rewards

MTN may offer loyalty rewards or incentives to customers who regularly use XtraBytes. These rewards can include discounted data bundles, bonus data, or other exclusive benefits, further enhancing the value of the service.

Frequently Asked Questions

How can I check my XtraByte account balance?

  • Dial *303# on your MTN line.
  • Select the option for “Check Balance” or “XtraByte Balance” from the menu.
  • Wait for a moment as the system retrieves and displays your XtraByte account balance.
  • A message will appear on your screen, indicating the remaining data balance in your XtraByte account.

Can I borrow data multiple times with MTN XtraByte?

Yes, you can borrow data multiple times using MTN XtraByte, as long as you meet the eligibility criteria and have repaid any outstanding data bundles previously borrowed. The ability to borrow data multiple times allows you to access additional data whenever you need it, ensuring continuous connectivity.

Can I transfer the borrowed data to another MTN number?

No, the borrowed data through MTN XtraByte is non-transferable. The data is specifically allocated to the subscriber who borrowed it and cannot be transferred or shared with other MTN numbers.

Can I exceed my credit limit in a month?

No, you cannot go above  your credit limit in a month. Credit limits are set by your service provider, such as MTN, to help manage your spending and ensure responsible usage. These limits are put in place to prevent customers from accumulating excessive debt or overspending beyond their means.

Can I increase my credit limit?

Yes, you have the opportunity to increase your credit limit by demonstrating responsible and consistent usage of your services over time.


MTN XtraBytes offers a valuable solution for MTN prepaid customers who need to borrow additional data when their existing balance is running low. By following the steps provided in this guide, you can easily initiate the data borrowing process and select a suitable data bundle to meet your immediate needs. It’s important to note that there is a service fee of 15.36% (including VAT) applied to the borrowed data bundle, which is debited from your main account along with the bundle fee.

MTN XtraBytes provides several benefits, including instant data access, emergency connectivity, convenience, and flexibility in managing your data usage. You can stay connected without interruptions, even when your data balance is depleted, which is particularly advantageous for important tasks or critical situations.