Nowadays, people borrow credit from MTN Benin and Moov Benin to sort themselves out in emergencies. It is, at times, annoying when you run out of airtime. Nevertheless, Mobile Money options are now available, which might help reduce this service’s need.

Borrow Credit on MTN
MTN Xtratime is a service that allows you to borrow credit or airtime and repay it later. The repayment rate of 10% of the amount borrowed. Depending on your credit consumption, you can borrow from 50 XOF to 2700 XOF.
To be eligible for loans, you must have been an MTN subscriber for at least 3 months. To activate, dial *785#.
Borrow Credit From Moov Benin
This service allows subscribers to borrow airtime credit in case of a credit outage and repay it with their next top-up. Borrowed credit can be used for calls, SMS, and internet data.
- To borrow, dial *221# and to check your emergency credit balance, dial *221*3#.
- To request a repayment amount, dial *221*1#.










