MTN Borrow Data: How to Borrow Data from MTN Easily
Running out of data when you need it the most can be frustrating. I’ve been there, and if you use MTN, you probably have too. The good news is that MTN allows you to borrow data instantly—even if you don’t have airtime—so you can stay connected without delay.
In this guide, I’ll show you exactly how to use the MTN borrow data feature, whether you’re in Nigeria, Ghana, Uganda, or South Africa. You’ll learn the USSD codes, requirements, how to borrow for a friend, and how to manage your borrowed balance.
MTN Borrow Data
The MTN borrow data service, also called MTN XtraByte, lets you borrow data bundles on credit and pay later. This service is available to prepaid customers who meet specific eligibility criteria such as SIM age and recharge frequency.
To borrow data from MTN, simply dial *303# and follow the prompt to choose a data bundle.
How to Borrow Data on MTN Line
Here’s a step-by-step guide to borrow MTN data in Nigeria:
- Dial
*303#on your MTN line. - Select “XtraByte” from the menu.
- Choose a data plan from the available options.
- Confirm your selection to receive the borrowed data.
Your borrowed bundle is activated immediately, and the amount will be deducted from your next recharge—plus a 15% service fee.
MTN Borrow Data Code for Nigeria and Ghana
- Nigeria: Dial
*303# - Ghana: Dial
*506# - Uganda: Dial
*165*4# - South Africa: Use the MTN app or dial
*136*2*163#to check eligibility
These codes allow you to access MTN’s XtraByte or equivalent service based on your location.
Eligibility to Borrow Data from MTN
To borrow MTN data, you must:
- Be on prepaid plan
- Use your SIM for over 3 months
- Recharge regularly (usually a minimum threshold applies)
- Have no outstanding XtraByte or XtraTime balance
If you’re not eligible, the menu will inform you of the reason.
MTN Code to Borrow Data for a Friend
Want to help someone else stay online?
MTN lets you borrow data for a friend by using the XtraByte feature and gifting the data afterward.
Here’s how:
- Borrow data using
*303# - Then dial
*131*7# - Select “Transfer Data”
- Enter the recipient’s number and data amount
- Confirm transfer
Alternatively, in some countries, you can dial a special code like *506*recipient’s number# to borrow directly for someone (available in Ghana).
How to Check MTN Borrow Data Balance
To check how much data you borrowed and how much is left:
- Nigeria: Dial
*303*3#or*310# - Ghana: Dial
*138#and choose the data bundle option - Or use the MTN mobile app for real-time balances
Can MTN Borrowed Data Be Shared?
In Nigeria and Ghana, borrowed data cannot be transferred directly to another line. You can only use it on the line that borrowed it.
However, you can still share purchased data using MTN’s Data Gifting or Data Share service after borrowing airtime and using it to buy a regular data bundle.
MTN Borrow Data Plans
The following data bundles are typically available for borrowing on MTN Nigeria:
| Borrowed Data | Price (Naira) | Validity |
|---|---|---|
| 40MB | ₦50 | 1 Day |
| 100MB | ₦100 | 1 Day |
| 200MB | ₦200 | 2 Days |
| 350MB | ₦300 | 7 Days |
| 750MB | ₦500 | 14 Days |
| 1.5GB | ₦1000 | 30 Days |
Note: Prices are deducted from your next recharge with a 15% fee added.
What Is the MTN Borrow Me Data Code?
The common term Borrow Me Data simply refers to the XtraByte service. The USSD code for this is:
*303#in Nigeria*506#in Ghana*165*4#in Uganda
This code works on both feature phones and smartphones.
Tips for Borrowing MTN Data
- Use only when necessary to avoid high deductions
- Always repay borrowed data to stay eligible
- Use the MTN app to track your borrow history and manage balances
- Avoid multiple borrow requests if you haven’t recharged yet
- Borrow airtime instead (
*303#) and convert to data if more flexible plans are needed
Real-Life Example
Last month, I was traveling and ran out of data right before an important virtual meeting. I had no airtime and was far from any vendor. I quickly dialed *303#, selected a 350MB data loan, and within seconds I was back online. It saved the day.
This is why I always recommend knowing how to borrow data on MTN, especially if you depend on your mobile line for work or study.
Final Thoughts
The MTN borrow data service is one of the most helpful features on the MTN network, allowing you to stay connected when it matters most. Whether you’re in Nigeria, Ghana, or elsewhere, the process is fast, easy, and reliable—as long as you know the correct codes.
By dialing *303#, you can borrow data instantly, check your balance, and even help a friend. Just remember to repay on time to remain eligible and avoid service disruptions. Use it wisely, and you’ll always be one step ahead—data or no data.