Etisalat Loan Code – Get Advance Balance Instantly
The Etisalat loan code in the UAE is *108*1#. Dial this code from your Etisalat prepaid SIM to subscribe to Reserve Credit, the official Etisalat emergency credit service that allows eligible prepaid users to get mobile credit when their balance is low or finished.
Etisalat may provide a reserve credit of up to AED 50, depending on your prepaid usage history, account eligibility, and line status. The used amount is automatically deducted when you recharge your number.
What Is Etisalat Reserve Credit?
Etisalat Reserve Credit is an emergency balance service for prepaid users in the UAE. Many people call it Etisalat loan balance, Etisalat advance balance, or Etisalat loan code, but the official service name is Reserve Credit.
It helps you continue using basic mobile services when your balance reaches a very low level. This can be useful when you cannot recharge immediately, do not have mobile banking access, or need to make an urgent call.
Reserve Credit can usually be used for:
- Local voice calls
- International calls
- Local and international SMS
- Selected data services
- Non-stop Silver data plan
- Some mobile content services
The service is not free credit. It is a temporary balance that Etisalat recovers from your next recharge along with applicable service charges.
Etisalat Loan Code List UAE
| Purpose | Etisalat Code | What It Does |
|---|---|---|
| Activate Etisalat loan balance | *108*1# | Subscribes eligible prepaid users to Reserve Credit |
| Manage Reserve Credit | *108# | Opens the Reserve Credit service menu |
| Unsubscribe from Reserve Credit | *108*2# | Stops the service for eligible single account SIM users |
| Check Etisalat balance | *121# | Shows your remaining prepaid balance |
| Request credit transfer from another user | *107*Mobile Number*Amount# | Sends a credit request to another Etisalat user |
| Transfer credit to another Etisalat number | *100*Mobile Number*Amount# | Transfers your own balance to another prepaid number |
The most important code for emergency balance is *108*1#. The other codes are useful when you want to check balance, manage the service, unsubscribe, or request help from another Etisalat user.
How to Borrow Credit from Etisalat
You can activate Etisalat Reserve Credit directly from your phone dial pad. No app, login, website, or customer care call is required.
Follow these steps:
- Open the dial pad on your mobile phone.
- Dial *108*1# from your Etisalat prepaid SIM.
- Press the call button.
- Follow the on-screen instructions.
- Confirm your subscription if the option appears.
- Wait for the SMS confirmation from Etisalat.
Once activated, Etisalat will notify you by SMS when reserve credit is added to your account. In many cases, the credit is applied when your main balance reaches a very low level.
How Much Etisalat Loan Balance Can You Get?
Etisalat Reserve Credit can provide eligible prepaid users with credit of up to AED 50. The exact amount is not the same for every customer.
Your available amount may depend on:
- How long have you used your Etisalat prepaid SIM
- Your average monthly usage
- Your recharge history
- Your account type
- Your previous Reserve Credit usage
- Your eligibility status in the Etisalat system
Some users may receive a smaller amount at first. Others may qualify for a higher reserve credit limit after regular usage and recharges.
Etisalat Loan Eligibility in UAE
Not every Etisalat prepaid number can use the loan code immediately. The service is mainly for eligible Wasel prepaid customers who meet Etisalat’s account requirements.
Common eligibility factors include:
- You must be an Etisalat prepaid user.
- Your SIM should be active for the minimum required period.
- Your monthly usage should usually be at least AED 10.
- Your number must be eligible in the Etisalat system.
- You should receive an SMS invitation or confirmation for Reserve Credit.
- Your account should not have restrictions that block the service.
Some Etisalat pages mention a minimum prepaid period of 2 months, while another Reserve Credit page refers to 3 months for some users. Because eligibility is controlled by Etisalat, the most reliable way to confirm is to dial *108*1# and check the response on your SIM.
Etisalat Loan Charges and Service Fees
Etisalat Reserve Credit has service charges. The fee depends on the type of prepaid account you use.
| User Type | Service Fee | VAT | How It Is Charged |
|---|---|---|---|
| Wasel prepaid single account SIM | 20% service fee on top of used reserve credit | Excluding VAT | Deducted after recharge |
| Other Wasel prepaid users | AED 0.06 on top of every minute or SMS | Excluding 5% VAT | Charged based on usage |
| Mobile content services | 20% on top of subscription amount | Excluding VAT | Deducted when service is used |
This means if you use Reserve Credit, your next recharge will not show the full amount as available balance. Etisalat will first deduct the reserve credit you used and the applicable charges.
How Etisalat Loan Repayment Works
Etisalat loan balance is repaid automatically. You do not need to pay it manually or visit a store.
Here is how repayment works:
- You use Reserve Credit when your balance is low.
- Etisalat records the amount you used.
- You recharge your prepaid number.
- Etisalat deducts the used reserve credit.
- Applicable service charges are also deducted.
- The remaining recharge amount appears in your prepaid balance.
For example, if you used reserve credit and then recharge with AED 30, Etisalat will recover the borrowed amount first. Your usable balance will be whatever remains after deductions.
Can You Use Etisalat Loan Balance for Data?
Yes, Etisalat Reserve Credit can be used for selected data services. It can be used to buy the Non-stop Silver data plan, and single account SIM users may also be able to use selected data packs and data-related services.
However, Reserve Credit is not always the same as a normal recharge balance. Some offers, add-ons, or bundles may not be available through reserve credit.
Before buying a data pack using loan balance, check the menu through *108#. This helps you avoid failed subscriptions or unexpected deductions.
Etisalat Reserve Credit for Single Account and Multiple Account SIMs
Etisalat treats single account and multiple account SIMs differently.
A single account SIM is usually simpler. The user can subscribe to Reserve Credit directly by dialing *108*1#, and the service may renew when the balance runs out.
A multiple account SIM can be linked with other mobile numbers under the same Emirates ID. If your number is not the primary account, you may need approval from the primary account holder before Reserve Credit is activated.
| Feature | Single Account SIM | Multiple Account SIM |
|---|---|---|
| Activation | Dial *108*1# | Dial *108*1# and wait for approval if required |
| Primary account consent | Usually not required | May be required |
| Auto-renewal | May renew when balance runs out | Not always automatic |
| Unsubscribe code | *108*2# | May depend on account setup |
| Best for | Individual prepaid users | Users with multiple numbers under one account |
This distinction is important because many users think the code is not working, but the issue may be related to account approval or primary number consent.
Etisalat Loan Code vs Credit Transfer
Etisalat loan code and credit transfer are not the same service.
The Etisalat loan code *108*1# gives eligible users Reserve Credit from Etisalat. You repay it automatically on your next recharge.
Credit transfer means another Etisalat user sends balance from their own account to your number. This is not a loan from Etisalat.
| Feature | Etisalat Reserve Credit | Etisalat Credit Transfer |
|---|---|---|
| Main code | *108*1# | *100*Mobile Number*Amount# |
| Who gives the balance? | Etisalat | Another Etisalat user |
| Eligibility required? | Yes | Sender must have enough balance |
| Repayment | Deducted from next recharge | No repayment to Etisalat |
| Best use | Emergency balance when alone | Help from friend or family |
If you are not eligible for Reserve Credit, asking someone to transfer balance may be a better option.
Etisalat Reserve Credit vs Out of Credit Call
Reserve Credit gives you temporary balance to use Etisalat services. An out of credit call option is different because it usually helps you contact someone when you do not have enough balance for a normal call.
Reserve Credit is better when you want to continue using calls, SMS, or selected data services. Out of credit calling is better when you only need to reach someone urgently and cannot recharge.
| Option | Best For | Balance Needed | Main Benefit |
|---|---|---|---|
| Reserve Credit | Calls, SMS, selected data | Low or zero balance | Gives emergency credit |
| Credit Transfer | Help from another person | Sender needs balance | No Etisalat loan fee |
| Out of Credit Call | Urgent contact | Very low balance | Helps you connect quickly |
Why Is Etisalat Loan Code Not Working?
The Etisalat loan code may not work for several reasons. In most cases, the issue is related to eligibility, account type, or service restrictions.
Common reasons include:
- Your SIM is too new.
- Your monthly usage is below the required limit.
- You are not using a Wasel prepaid SIM.
- Your number is not eligible yet.
- You already used reserve credit and have not repaid it.
- Your SIM is linked to a multiple account setup.
- Primary account approval is required.
- The USSD session timed out.
- There is a temporary network issue.
- You entered the wrong code.
Try dialing *108# first to open the service menu. If the menu does not show a Reserve Credit option, your number may not be eligible yet.
What to Do If *108*1# Fails
If *108*1# does not work, try these simple fixes before assuming the service is unavailable.
- Check that you are using an Etisalat prepaid SIM.
- Restart your phone and try again.
- Dial *108# and check the available options.
- Dial *121# to confirm your current balance.
- Make sure your SIM has been active long enough.
- Recharge and use your SIM regularly for a few days.
- Check SMS notifications from Etisalat.
- If you are under a multiple account setup, ask the primary account holder to approve the request.
Avoid using random codes from social media or unofficial websites. Fake “free balance” tricks can lead to unwanted subscriptions, data loss, or unexpected charges.
How to Check Etisalat Loan Balance
You can check your Etisalat balance by dialing *121# from your prepaid number. This shows your current available balance and helps you understand if any reserve credit has been used.
You can also dial *108# to manage the Reserve Credit service. This menu may show service options, subscription status, or available actions depending on your account.
Use these codes when:
- You want to confirm remaining balance
- You want to check if Reserve Credit is active
- You want to see available service options
- You want to avoid unexpected deductions after recharge
How to Unsubscribe from Etisalat Loan Service
To stop Etisalat Reserve Credit, dial *108*2# from your Etisalat prepaid number. Then follow the on-screen instructions and wait for the confirmation SMS.
Steps to unsubscribe:
- Open your mobile dial pad.
- Dial *108*2#.
- Press the call button.
- Confirm the unsubscribe request.
- Wait for the SMS confirmation.
Unsubscribing stops future use of the service where applicable. If you already used reserve credit, Etisalat can still deduct the outstanding used amount and charges from your next recharge.
Benefits of Using Etisalat Loan Code
The Etisalat loan code is useful when you need emergency mobile balance and cannot recharge immediately.
Main benefits include:
- Quick activation through USSD code
- No internet required
- No app login needed
- Useful during travel inside the UAE
- Helps with urgent calls and SMS
- Can support selected data services
- Automatic repayment after recharge
- Available directly from your prepaid SIM
It is especially helpful for workers, students, visitors with prepaid SIMs, delivery riders, and UAE residents who depend on mobile balance for daily communication.
Important Warnings Before Using Etisalat Reserve Credit
Reserve Credit is helpful, but you should use it carefully. It is still a paid service with deductions after recharge.
Keep these points in mind:
- Do not treat it as a free balance.
- Check the charges before repeated use.
- Recharge enough to cover deduction and normal usage.
- Unsubscribe if you do not want automatic reserve credit.
- Avoid unofficial “Etisalat free loan” codes.
- Do not enter your number on unknown recharge websites.
- Check SMS alerts after every reserve credit use.
- Keep track of deductions after recharge.
If you use prepaid balance for budgeting, Reserve Credit can make your next recharge look smaller because deductions happen automatically.
Common Mistakes Etisalat Users Make
Many users face issues because they misunderstand how the Etisalat loan code works.
Avoid these common mistakes:
- Dialing *108# but not selecting the correct option
- Using #1*108# instead of the standard *108*1#
- Expecting AED 50 every time
- Thinking Reserve Credit is free
- Forgetting that charges apply
- Recharging a small amount and expecting full balance
- Ignoring SMS alerts from Etisalat
- Confusing credit transfer with Reserve Credit
- Trying the service on a postpaid number
- Not checking if primary account approval is required
The safest approach is to use *108*1# for activation, *121# for balance check, and *108*2# if you want to stop the service.
Best Use Cases for Etisalat Loan Balance in UAE
Etisalat Reserve Credit is most useful when you need short-term balance for urgent communication.
Good examples include:
- Calling your family after your balance runs out
- Sending an urgent SMS
- Making a local call before salary day
- Calling a taxi, delivery customer, or workplace
- Staying connected until your next recharge
- Buying selected data access when no Wi-Fi is available
It is not ideal for heavy internet usage, long international calls, or frequent borrowing. For regular usage, a suitable prepaid package or monthly bundle is usually better.
FAQ
What is the Etisalat loan code in UAE?
The Etisalat loan code in UAE is *108*1#. Dial it from your Etisalat prepaid SIM to activate Reserve Credit if your number is eligible. The service gives emergency mobile credit and deducts the used amount with applicable charges from your next recharge.
How can I borrow AED 10 from Etisalat?
To borrow Etisalat balance, dial *108*1# and follow the instructions. Etisalat decides the available loan amount based on your prepaid usage, SIM age, and account eligibility. You may receive AED 10 or another amount depending on your Reserve Credit limit.
Why is the Etisalat loan code not working?
The Etisalat loan code may not work if your SIM is new, your monthly usage is low, or your account is not eligible. It can also fail on some multiple account SIMs if primary account approval is required. Try *108# to check available options.
How do I stop Etisalat Reserve Credit?
You can stop Etisalat Reserve Credit by dialing *108*2# from your prepaid number. Follow the instructions and wait for the confirmation SMS. If you already used loan balance, Etisalat may still deduct the outstanding amount and charges after your next recharge.
Can I use Etisalat loan balance for internet data?
Yes, Etisalat loan balance can be used for selected data services, including the Non-stop Silver data plan. Availability may depend on your account type and service menu. Dial *108# to check data options before subscribing, because not every data bundle supports Reserve Credit.
Is Etisalat loan available for postpaid users?
Etisalat Reserve Credit is mainly designed for prepaid Wasel users. Postpaid customers usually do not need this service because they use monthly billing instead of prepaid recharge balance. If you use postpaid, the Etisalat loan code may not show Reserve Credit options on your number.
How is Etisalat loan deducted after recharge?
When you recharge your prepaid number, Etisalat automatically deducts the Reserve Credit amount you used plus applicable service charges. The remaining recharge value becomes your usable balance. This is why your balance after recharge may be lower than the amount you paid.
