The code to borrow data from Glo is *321#. Dial it from an eligible Glo prepaid line, select Borrow Data, choose an available plan and confirm the transaction. Glo will activate the data immediately and recover the loan later from an airtime recharge or, in some cases, from a purchased data bundle.
Glo applies a 15% service fee to Borrow Me Data. Depending on the offer displayed, the fee may be added to the amount recovered or reflected in the data value supplied. Read the USSD confirmation carefully because it shows the actual data volume, validity and repayment amount attached to your number.
Glo borrow data code
| Function | Code |
|---|---|
| Borrow data from Glo | *321# |
| Check Glo data balance | *323# |
| Borrow airtime from Glo | *303# |
| Check airtime balance | *310# |
| Contact Glo customer care | 300 |
The current official Glo page assigns *321# to Borrow Me Data and *303# to Borrow Me Credit. This distinction is important because many older articles use *321# as a general borrowing code without explaining the updated separation.
How to borrow data from Glo using *321
Follow these steps:
- Open the Phone or Dialler app on your device.
- Dial
*321#using the Glo SIM. - Select Borrow Data from the menu.
- Review the plans offered to your number.
- Choose a plan with a suitable volume and validity.
- Check the service fee and recovery amount.
- Confirm the request.
- Wait for the activation message from Glo.
Dial *323# after activation to verify the data balance. The confirmation SMS should also state the amount borrowed, its validity and the amount Glo will recover.
If you use a dual-SIM phone, select the Glo SIM when sending the request. The menu will not work when sent through another network.
What is Glo Borrow Me Data?
Borrow Me Data is an emergency service that allows an eligible Glo prepaid subscriber to receive a data bundle now and pay for it later. It is useful when an active bundle finishes and there is no immediate way to recharge.
It is a loan, not a free data bonus. Glo will recover the amount owed automatically. The service also has a 15% fee, so borrowing costs more than buying an ordinary bundle with available airtime.
The data may include:
- anytime data that can be used throughout the day;
- night data available only between 12 a.m. and 5 a.m.;
- short-validity special packs; or
- Always On plans with a fixed daily allocation.
Only the options approved for your number appear in the USSD menu. Glo may offer different subscribers different limits.
Glo Borrow Me Data plans
Glo’s current official page publishes standard, special and Always On Borrow Me Data categories. It also contains two overlapping standard-plan tables with different volumes and recovery displays. This appears to be a website content duplication rather than two clearly labelled products.
For accuracy, treat the volumes below as a guide and use the offer shown after dialling *321# as the final plan available to your line.
Standard Glo Borrow Me Data plans
| Plan value | Published data volume | Validity |
|---|---|---|
| ₦50 | Up to 45MB including night data | 1 day |
| ₦100 | Up to 125MB including night data | 1 day |
| ₦200 | Up to 260MB including night data | 2 days |
| ₦500 | Up to 1.5GB including 1GB night data | 7 days |
| ₦1,000 | Up to 2.6GB including 1.5GB night data | 30 days |
| ₦1,500 | Up to 4.87GB including 3GB night data | 30 days |
| ₦2,000 | Up to 6.25GB including 3GB night data | 30 days |
| ₦2,500 | Up to 6.6GB including 3GB night data | 30 days |
| ₦3,000 | Up to about 9.22GB including night data | 30 days |
| ₦4,000 | Up to 10.9GB including night data | 30 days |
Some of the same denominations also appear in a second table with slightly lower main-data figures, such as 40MB for ₦50, 107MB for ₦100, 238MB for ₦200 and 1.46GB for ₦500. Do not choose solely from a screenshot or an old list. The live menu and confirmation prompt are more reliable than a static table.
Special Borrow Me Data packs
| Plan value | Published data volume | Validity |
|---|---|---|
| ₦350 | 870MB | 1 day |
| ₦500 | 870MB + 1GB night data | 1 day |
| ₦600 | 1.3GB + 2GB night data | 2 days |
| ₦1,000 | 2.6GB + 2GB night data | 2 days |
| ₦1,500 | 3.3GB + 2GB night data | 7 days |
These packs offer more data over a shorter period. They make sense only when you can use the volume before it expires. Borrowing a large one-day pack for light WhatsApp use may leave you repaying data that expired unused.
Always On Borrow Me Data plans
| Plan value | Total published data | Daily allocation | Validity |
|---|---|---|---|
| ₦2,000 | 5.1GB | 350MB per day | 15 days |
| ₦3,500 | 12.75GB | 425MB per day | 30 days |
An Always On plan does not make the full volume available at once. The daily allocation controls how much can be used each day. Unused daily allocation may not behave like a normal open data balance, so review the terms displayed before confirming.
How much is the Glo data borrowing fee?
Glo publishes a 15% service fee for Borrow Me Data.
One part of Glo’s page illustrates the recovery amount as the plan price plus 15%:
| Plan selected | 15% fee | Illustrated recovery amount |
|---|---|---|
| ₦50 | ₦7.50 | About ₦57.50 |
| ₦100 | ₦15 | ₦115 |
| ₦200 | ₦30 | ₦230 |
| ₦500 | ₦75 | ₦575 |
| ₦1,000 | ₦150 | ₦1,150 |
| ₦2,000 | ₦300 | ₦2,300 |
The same page later displays another table in which the recovery amount appears equal to the plan denomination despite still showing a 15% fee. Because those two displays conflict, check the exact recovery amount in the USSD confirmation message. Do not assume that selecting ₦1,000 always creates only a ₦1,000 repayment obligation.
The safest habit is to note three figures before accepting:
- The data volume you will receive.
- The number of days it will remain valid.
- The total amount Glo says it will recover.
Cancel the USSD session if any figure is unclear.
Who is eligible to borrow data from Glo?
Glo describes Borrow Me Data as available to registered and active subscribers, but access and limits are determined by the network. Dialling *321# is the simplest eligibility check.
The system may consider:
- how long the Glo line has been active;
- how frequently the number is recharged;
- the average value of recent recharges;
- how regularly the line uses paid services;
- whether a previous airtime or data loan remains unpaid; and
- the account’s overall status.
A properly registered SIM can still be ineligible if it is new or rarely used. Registration is necessary, but it does not guarantee a loan.
The amount displayed is personal to the line. Another subscriber may see a larger or smaller catalogue even when both use the same tariff plan.
How much data can I borrow from Glo?
The official page publishes offers ranging from small emergency plans of about 40MB to Always On plans totalling 12.75GB. Your line may not receive the entire range.
Glo sets a limit based on eligibility and recharge behaviour. There is no public USSD code that manually increases it. Keeping the line active, recharging consistently and repaying loans may improve the record used by the system, but no specific increase is guaranteed.
Choose according to immediate need rather than taking the largest available plan. A small bundle may cover an urgent message, bank transfer or map search. A larger loan adds a larger repayment and a higher service fee.
How to repay borrowed data on Glo
Repayment is automatic. Glo can recover an outstanding Borrow Me Data loan when you:
- recharge airtime; or
- purchase a new data bundle.
The system uses whichever eligible balance becomes available first. If the available airtime or data value is not enough to clear the debt, Glo can make a partial recovery and leave the remainder outstanding.
For example, if the recovery amount is ₦575 and the next airtime recharge is ₦300, the recharge may be applied to the debt, leaving ₦275 outstanding. A later recharge or eligible data purchase can settle the balance.
You must clear the full outstanding Borrow Me loan before the service will normally allow another one.
Glo Recovery by Data explained
Recovery by Data allows Glo to convert an outstanding loan amount into an equivalent data value and deduct that volume from a purchased bundle. This applies in addition to the traditional deduction from airtime recharge.
Recovery may occur when a subscriber purchases a data plan or when the system triggers a recovery check after 72 hours. Glo says the account that becomes available first can be used.
When several data bundles exist, Glo publishes this selection order:
- Debit the active plan.
- If several plans are active, use the one with the highest available volume.
- If volumes are equal, use the one expiring first.
- If both volume and expiry match, select one randomly.
Main data is prioritised. Glo says 70MB is retained for the subscriber and will not be used for recovery. If the recoverable data is insufficient, the system can deduct part of it and recover the remaining debt later.
An SMS should show the recovered amount and any balance still owed. This rule explains why a newly purchased bundle may appear smaller than expected when an older Borrow Me Data or Borrow Me Credit debt exists.
What is Glo night data?
Several Borrow Me Data plans combine main data with a night allowance. Glo states that the night portion can be used only between 12 a.m. and 5 a.m.
For example, a plan advertised as 1.5GB may consist of 500MB of main data and 1GB of night data. It does not provide 1.5GB for unrestricted daytime browsing.
Check the split before borrowing. A plan with a large night component may be useful for late-night downloads, updates or streaming but less useful for daytime work.
If the night allowance does not work:
- confirm that the time falls between 12 a.m. and 5 a.m.;
- check whether the plan is still valid;
- turn mobile data off and on;
- restart the phone; and
- dial
*323#to inspect the remaining balances.
How to check borrowed data balance on Glo
Dial:
*323#
The response should display available data balances and validity. You can also use the Glo Café app where supported.
Keep the activation SMS until repayment is complete. It is useful when checking whether the correct volume was credited or disputing a deduction. Read code to check Glo data balance for other checking methods and balance categories.
Can I borrow data when I already owe Glo airtime?
Glo says subscribers must fully repay an outstanding Borrow Me loan before borrowing again. An unpaid Borrow Me Credit debt can therefore prevent a Borrow Me Data request, and an unpaid data loan can affect another borrowing request.
Recharge enough to clear the whole debt, wait for the repayment message and dial *321# again. A small recharge may make only a partial repayment and leave the line ineligible.
Can I borrow data twice before repaying?
Do not rely on receiving a second loan while the first remains outstanding. The current official recovery information says full repayment is required before another Borrow Me loan.
Even if the menu opens, review any outstanding balance before confirming. Borrowing repeatedly can make the next recharge or data purchase disappear into repayment.
Why the Glo borrow data code is not working
The line is not eligible
New, inactive or rarely recharged lines may not qualify. Continue using the number and check again after building a consistent recharge history.
An old loan is unpaid
Clear outstanding Borrow Me Credit and Borrow Me Data debts. Eligibility is not restored until the debt is fully settled.
The requested plan is above your limit
Choose only from the plans shown after dialling *321#. A plan listed online may not be approved for every number.
The wrong SIM sent the code
Select the Glo SIM in a dual-SIM phone.
The USSD session expired
Poor signal or congestion can interrupt the request. Wait briefly and try again. Check *323# before repeating a confirmation because the first request may have succeeded.
The SIM has a restriction
An unregistered, barred or inactive line may be blocked from borrowing. Dial 300 or visit a Gloworld outlet for assistance.
What to do when borrowed Glo data is not working
First, dial *323# and confirm that the loan was activated. If a balance exists but websites do not load:
- Turn mobile data off and on.
- Confirm that Glo is selected for mobile data in a dual-SIM phone.
- Disable airplane mode if enabled.
- Check the plan’s expiry time.
- Confirm whether the remaining balance is night-only data.
- Restart the phone.
- Check the Glo APN settings.
Use gloflat as the APN if the phone requires manual Glo internet configuration. Leave the username and password blank unless Glo provides different instructions for the device.
If the balance was debited without usable service, contact customer care on 300.
Borrow Me Data vs buying a regular Glo plan
| Comparison | Borrow Me Data | Regular Glo data plan |
|---|---|---|
| Payment | Later | Immediately |
| Service fee | 15% | No borrowing fee |
| Eligibility check | Required | Generally not required |
| Repayment deduction | Automatic | None after purchase |
| Best use | Urgent connection without airtime | Normal planned browsing |
| Risk | Future recharge or data can be reduced | Limited to the amount paid |
A regular bundle is cheaper when airtime or another payment method is available. Borrow Me Data is best treated as emergency access, not a routine subscription method. Compare Glo data plans and prices before borrowing a long-validity plan.
Borrow Me Data vs Borrow Me Credit
Borrow Me Data provides a data bundle directly through *321#. Borrow Me Credit provides airtime through *303#.
Use Borrow Me Data for browsing, WhatsApp, email or another online task. Use Borrow Me Credit when an urgent call or SMS is the main need. See how to borrow airtime from Glo for the airtime limits, charges and direct denomination codes.
Also Read:
- How to Borrow Data on MTN (2026 Updated Guide)
- How to Check Glo Number: 6 Easy Methods That Work
- Glo Data Plans Code 2026 and Price
- How to Borrow Data from Airtel: Get Emergency Data Fast
- How to Borrow Airtime from Glo Using *303# in 2026
Frequently asked questions
What is the code to borrow data from Glo?
Dial *321#, select Borrow Data, choose an available plan and confirm.
What is the new Glo borrow data code?
The current official code is *321#. Glo uses *303# for borrowing airtime.
How do I check if I am eligible?
Dial *321#. If the line qualifies, the menu will show the data plans it can borrow.
Does Glo charge for borrowing data?
Yes. Glo publishes a 15% service fee. Confirm the total recovery amount on the USSD screen because its webpage currently contains overlapping tables with different recovery displays.
How do I repay borrowed Glo data?
Repayment is automatic through a later airtime recharge or an eligible purchased data bundle. Recovery can be full or partial.
Can Glo deduct a new data bundle to repay an old loan?
Yes. Recovery by Data allows Glo to convert the debt to a data equivalent and deduct it from a purchased bundle. Glo states that 70MB will be retained for the subscriber.
How long does borrowed Glo data last?
Validity depends on the plan. Published options range from one day to 30 days. Always check the confirmation prompt before accepting.
Can I use the night data during the day?
No. Glo says the night allowance is usable from 12 a.m. to 5 a.m.
Can I borrow data on a new Glo SIM?
Possibly not immediately. The network assesses the SIM’s registration, activity and recharge history before showing an offer.
Can I borrow data without airtime?
Yes, if your line is eligible. The purpose of the service is to provide a bundle now and recover payment later.
What happens if my recharge is lower than the debt?
Glo can make a partial recovery and leave the remaining balance outstanding. Later airtime or eligible data can be used to complete repayment.
Can I cancel borrowed data after confirming?
Glo does not publish a cancellation code. Once activation succeeds, expect the recovery obligation to remain even if the bundle is not fully used.
Glo Borrow Me Data can restore an urgent internet connection in seconds, but the convenience comes with a 15% fee and automatic recovery. Dial *321#, compare the anytime and night portions, check the validity and recovery amount, then borrow only the smallest plan that can handle the immediate task.
