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Wednesday, August 5, 2020

*321#: How to Borrow Airtime or Data on Your GLO Line

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Are you out of airtime or data and want to learn how to borrow credit on your GLO line in advance? This article was written just for you.

GLO like other Nigerian Telecommunications company allow eligible customers to borrow airtime or data in advance and pay back on later recharges.

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To break it down, if you run out of airtime while making an important call and need at least N100 worth of airtime to continue the call then you can simply borrow on your GLO line and pay back next time you recharge, provided other alternatives like VTU top-up or recharge card purchase are not viable or out of reach.

It works same way for borrowing data, that is, if you need at least 500MB of data to stream a sporting event online then you can simply borrow data on your GLO line and pay back with subsequent airtime purchases depending on your eligibility.

What do I mean by Eligibility?

Your eligibility status determines if you can borrow airtime or data on your GLO line and it depends on certain conditions stipulated by your network provider, in this case, GLO.

To be considered eligible to borrow airtime or data, you must have met the following conditions;

  • Be a GLO user for not less than four months on your current line.
  • For the “Borrow me data’ service, the user must have been active for at least three months.
  • Be a prepaid customer.
  • You average monthly usage must be at least N200 worth of airtime.

According to GLO, the tables below indicates how much you can borrow in advance based on your average monthly usage.

For Airtime

Denomination (N)Time on Network (Months)Average Monthly RefillsAverage Monthly Usage (N)

For Data

Price (N)Data Volume in Pack (MB)Data Volume for Borrow Me Data (MB)Validity (Days)

*321#: Borrowing airtime on your GLO line

You can borrow on your GLO line when you exhaust airtime on your phone in one, two easy steps. Simply dial *321*amount#. For example;

  • To borrow N50 worth of airtime, dial *321*50#
  • To borrow N100 worth of airtime, dial *321*100#
  • To borrow N200 worth of airtime, dial *321*200#.
  • To borrow N500 worth of airtime, dial *321*500#
  • To borrow N1000 worth of airtime, dial *321*1000#


  • The GLO borrow me credit service attracts a charge of 15% of the value of whatever amount you borrow. If you borrow N500, your GLO line will be credited with N425.
  • You cannot borrow again until you have paid your outstanding debt. That is you immediately become ineligible to borrow any further once you have taken a loan.
  • You can make calls within Nigeria to all networks and outside Nigeria using borrowed credit.
  • You can browse the internet with borrowed credit.
  • There is no minimum balance to qualify to use the borrow me credit service.
  • The grace period for paying back borrowed credit is 72 hours. Your eligibility amount decreases as you take more time before paying back borrowed airtime.

*321#: Borrowing data on your GLO line

You can borrow on your Glo line when you exhaust data on your phone in one, two easy steps. Simply dial *321# and follow the on-screen prompts to select the amount of data you intend to borrow.


  • You cannot borrow again until you have paid your outstanding debt. That is you immediately become ineligible to borrow any further once you have taken a loan.
  • You can browse the internet with borrowed data as you would with normal data bundles.
  • A transaction fee of 15% is charged to use the borrow me data service. For example, if you borrow a data bundle worth N500, you are charged a 15% transaction fee equivalent to N75. Therefore, you have to repay N575.

Paying Back Borrowed Airtime or Data

Your outstanding on borrowed airtime or data will be deducted on subsequent recharges made on your GLO line. The grace period for paying back is within 72 hours and it is advisable to pay before this period elapses to improve your credit rating and increase your borrow limit in future.


If you borrow N500 airtime, you will be credited N425, that is, after the 15% service fee has been deducted and when paying back, you will need to recharge up to N500 or more to offset your debt.

If you borrow data worth N500, you will be charged a 15% transaction fee which is N75. Thus when paying back you will need to recharge up to N575 or more to offset your debt.

Deactivate GLO borrow me credit or data

To deactivate your line from the GLO borrow me credit or data service, follow the simple steps below;

  • Dial *321# and select 1 (auto borrow)
  • From the list of options you’re provided with select 2 (cancel auto borrow).
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