How To Borrow Airtime On Mtn, Vodafone, Glo and AirtelTigo In Ghana

Once upon a time, we are all caught in the net of having limited airtime or no airtime at all. You either want to make a call or text someone only to realise that you’re lacking on airtime.

In most instances, when this happens, you hardly have the time to go out in search of call cards to buy. The best you can do is to borrow SOS credit from your network service provider.

In this article, I’ll take you through the various steps involved in borrowing airtime from the four major network service providers in Ghana namely MTN Ghana, Vodafone Ghana, Glo and AirtelTigo.

MTN Ghana

You can borrow airtime on your Mtn line from between 50 pesewas to 15 cedis depending on how much credit you buy, how long you’ve been using your sim card and how soon you repaid your previous borrowed airtime.

To borrow airtime on MTN, follow the following:

  1. Dial *506#
  2. Select “borrow credit”
  3. Choose the amount you wish to borrow from the list
  4. Select 1 to confirm.


  1. Text “Start” to 1506
  2. Select the amount you wish to borrow
  3. Text 1 to confirm

To check your loan status,

  1. Dial *506#
  2. Select 1 for status

Note: MTN charges 10% on all borrowed airtime as repayment charge. Also, for you to be able to access this service, you must be an active MTN user for 3 months and you must have airtime balance less than 4 cedis.

Vodafone Ghana

Vodafone Ghana also gives SOS credit to their users who have run out of airtime. To qualify for this though, an individual must be an active Vodafone user for at least the past 15 days. A service charge of 10% of the credit requested is charged as a commission on the airtime. You must have airtime of less than 1 cedi to be able to go for this.

How to borrow data on Vodafone:

  1. Dial *505#
  2. Select the amount you wish to borrow
  3. Select 1 to confirm the transaction

This borrowed airtime can be used for nothin browsing and calls.

Glo Ghana

Glo Ghana is arguably one of Ghana’s fastest internet service providers with commendable internet speed and good data packages.

Well, they also have the “Borrow me credit” service which enables customers to get some airtime loans when they run out in the middle of something.

To qualify for this service though, the customer must be using a registered sim card, you must be an active Glo user for the past 3 months.

To borrow airtime, follow these steps:

  1. Dial *5321#
  2. Select 1 to borrow credit
  3. Select the amount you wish to borrow
  4. Select one to confirm.

The repayment of this airtime loan can be in bits or in full depending how much airtime you recharge on your next top-up.

It also attracts a 15% commission.


Currently, Airtel tigo is the second biggest network company in Ghana following the merger of the erstwhile Tigo and Airtel companies.

To borrow airtime from AirtelTigo, follow the following steps:

  1. Dial *588#
  2. Select the amount you wish to borrow
  3. Confirm the transaction.

You can check your airtime usage by dialling *130*10#


The various network service providers have various criteria for borrowing airtime to their customers. So don’t beat yourself if you have several SIM cards and you are able to borrow on some yet you’re not able to borrow on others.

For more enquiry on qualification, you can call your network provider’s customer care.

Leave a comment