How To Transfer Airtime On MTN in Nigeria 2023 (Step-by-step Guide)

Airtime transfer on MTN provides a convenient way for subscribers to share airtime with friends, family, or colleagues on the same network. Whether you want to help someone in need or simply repay a favour, transferring airtime on MTN is quick and easy. In this article, we will guide you through the process of transferring airtime on MTN, covering the necessary steps and important considerations.

In today’s digital age, mobile phones have become an essential part of our lives. They allow us to communicate, access information, and perform various transactions. One such transaction is the transfer of airtime, which enables users to send phone credit to others. MTN, being one of the leading mobile network providers in Nigeria, offers a straightforward method to transfer airtime to other MTN subscribers.

Before we go into the main point, let me quickly show you the new USSD Codes for any action you want to take on MTN. 

  1. For Data plans, Dial ×312#
  2. For Airtime Top-Up, Dial ×311×Voucher PIN#
  3. To borrow money, Dial ×303#
  4. To check your Data balance, Dial ×323#
  5. To check your Account balance, Dial ×310#
  6. For Value Added Service (VAS), Dial ×305#
  7. To view your NIN, Dial ×996#.

These are the new codes for all network providers in Nigeria. It’s now the general code applicable for GLO, 9mobile, MTN, and Airtel users.


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Understanding MTN Airtime Transfer

MTN airtime transfer allows you to send airtime directly from your MTN account to another MTN number. This service is particularly useful when you have excess airtime and wish to share it with someone who needs it. By transferring airtime, you provide others with the means to make calls, send SMS, or even browse the internet.

Requirements for Airtime Transfer on MTN

Before you can proceed with transferring airtime on MTN, there are a few prerequisites you should keep in mind:

1. An active MTN SIM card: Ensure that your SIM card is active and in good working condition.

2. Sufficient airtime balance: You must have enough airtime in your account to transfer to another number.

3. Transfer PIN: MTN requires a transfer PIN to authorise airtime transfers. By default, the transfer PIN is set to “0000,” but it is highly recommended to change it for security purposes.

How to Change Your MTN Airtime Transfer Default PIN 

It’s very essential for you to change the MTN default Airtime transfer PIN “0000″. 

Why is it important? 

To avoid someone taking an undue advantage of your ignorance. One may easily transfer all your airtime if you’re still using the default PIN. 

There are two ways to change the PIN

Via SMS 

Via USSD Code 

  1. Via SMS

You’ll have to send your MTN transfer Default PIN[space]your New PIN[space]your New PIN again, to 321. 

Let’s assume you’re using 4488 as your new PIN, which will replace the default PIN 0000

Type 0000 4488 4488 and send to 321. 

You’ll receive an SMS confirming your request. 

  1. Via USSD Code 

You can as well change the PIN, using a USSD Code. To use this method, 

Dial ×321×Default PIN×New PIN×New PIN#  then tap the call button. 

For example, ×321×0000×4488×4488# then click the call button. 

Now, you’ve successfully changed your MTN transfer PIN, next is to transfer the airtime to your friend, family member, colleague or any person you wish to.


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How to Transfer Airtime on MTN

Now let’s delve into the step-by-step process of transferring airtime on MTN:

Step 1: Dial the Transfer Code

To initiate the airtime transfer, open the dialer on your phone and enter the transfer code: ×321×

 Step 2: Enter the Recipient’s Phone Number

After dialling the transfer code, you will be prompted to enter the phone number of the recipient. Carefully enter the 11-digit MTN number to which you wish to transfer airtime.

Step 3: Enter the Amount to Transfer

Once you have entered the recipient’s phone number, you will need to specify the amount of airtime you want to transfer. Enter the desired value. (e.g., ₦ 500 ₦1,000 ₦5,000) depending on your Sim status. 

 Step 4: Confirm the Transfer With Your PIN

After specifying the transfer amount, review the details to ensure accuracy. If everything looks correct, confirm the transfer entering your PIN. 

Step 5: Successful Transfer Notification

In a nutshell, here is the summary of it. 

Dial ×321×RecipientsPhoneNumber×Amount×PIN#  then tap the send button. 

Upon successful completion of the transfer, you and the recipient will receive a notification confirming the transaction. The recipient’s airtime balance will be updated, reflecting the transferred amount.

What Are The MTN Airtime Transfer Charges? 

MTN imposes a nominal fee for airtime transfers, which varies depending on the transfer amount. It is important to note that the transfer fee will be deducted from your airtime balance. Make sure to consider this fee when deciding the amount to transfer.

For example, 

Transfers from ₦1 – ₦100 are charged ₦3 per transfer. 

Transfers from ₦101 – ₦500 are charged ₦5 per transfer. 

Transfers from ₦501 – ₦5,000 are charged ₦10 per transfer.


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Limitations and Considerations

When it comes to airtime transfer on MTN, there are a few limitations and considerations to keep in mind:

  • MTN airtime transfer is only available for MTN-to-MTN transfers. You cannot transfer airtime from MTN to other network providers like GLO, 9mobile, Airtel. 
  • Each MTN subscriber has a maximum limit for airtime transfer, which may vary based on factors such as account age, usage patterns, and network conditions.
  •  It is not possible to reverse an airtime transfer once it has been successfully completed. Therefore, it is crucial to double-check the recipient’s phone number before confirming the transfer.
  • Transferred airtime can be used for various services, including voice calls, SMS, data, and value-added services.

Troubleshooting Common Issues

While transferring airtime on MTN is generally a smooth process, you may encounter some common issues. Here are a few troubleshooting tips:

  •  Ensure that you have a stable network connection before initiating the transfer.
  •  Double-check the recipient’s phone number to avoid sending airtime to the wrong person.
  •  If the transfer fails or you receive an error message, wait for a few minutes and try again. If the issue persists, contact MTN customer support for assistance.


Transferring airtime on MTN provides a convenient way to share credit with others on the same network. By following the simple steps outlined in this article, you can effortlessly transfer airtime to your friends, family, or colleagues. Remember to consider the requirements, fees, and limitations associated with airtime transfers. Enjoy the convenience and flexibility of MTN airtime transfer to stay connected with your loved ones.


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Frequently Asked Questions (FAQs)

Can I transfer airtime from MTN to other networks?

No, MTN airtime transfer is limited to transferring airtime from one MTN number to another MTN number. You cannot transfer airtime to subscribers of other network providers.

 Is there a minimum or maximum amount for airtime transfer?

The minimum and maximum transfer amounts may vary based on your account profile and other factors. Please check with MTN or refer to their official documentation for the specific limits applicable to your account.

 Can I reverse an airtime transfer on MTN?

No, once an airtime transfer is successfully completed, it cannot be reversed. It is important to verify the recipient’s phone number and transfer details before confirming the transaction.

 How long does it take for the recipient to receive the transferred airtime?

The transferred airtime is usually received almost instantly. However, in some cases, network conditions or technical issues may cause slight delays. If the recipient does not receive the airtime within a reasonable timeframe, it is advisable to contact MTN customer support.

What should I do if I entered the wrong recipient number?

If you mistakenly entered the wrong recipient’s phone number, the airtime transfer will be sent to that incorrect number. Unfortunately, MTN cannot reverse the transfer or recover the airtime.

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