XTRACASH is an easy way for you to get a cash loan with a personalized limit that can grow up to ZMW 10,000 over time. The amount borrowed will be deposited in your MTN Mobile Money Wallet, and you can use it for any purpose.

You can access XtraCash with a few quick and  easy steps:

• Dial *115#,  Select option 6 Kongola & Savings then choose XTRACASH
• Accept XtraCash Terms and Conditions.
• You can choose to take your personalized offer or define a lower amount.
• Choose in how many days you will be able to pay it back.
• Your MTN Mobile Money Wallet will then be instantly credited!

Repayment of your XtraCash loan is also easy:

• Simply have enough funds in your MTN Mobile Money Wallet on the due date or alternatively access the XtraCash menu to repay.

Remember, paying on time is important to keep, or even increase the amount of money you can borrow with us!

XtraCash is powered by Access Bank and managed by Optasia, in partnership with MTN Zambia.

Optasia is the premium Fintech provider of Mobile Financial Services and Airtime Credit Services. Since 2012 , the service has expanded to more than 57 countries and Optasia provided over $15 million USD credit daily to more than 750 million people in 2021.

Link to T&C (XtraCash site, MTN Zambia page)

Link to MTN FAQ page