The Etisalat loan code is *108*1#, dialed from a prepaid Etisalat line to borrow up to AED 50 in emergency credit when your balance drops to AED 1 or below. The borrowed amount is deducted automatically on your next recharge, along with a service fee.
What to do now:
- Confirm your balance is AED 1 or less before dialing
- Dial *108*1# and follow the confirmation prompt
- Check your reserve credit balance anytime with *121#
Table of Contents
Etisalat Loan Codes at a Glance
Reserve Credit is Etisalat’s official name for this borrowing service — the “loan code” language is how most customers search for it.
| Action | Code | Result |
|---|---|---|
| Subscribe / borrow | *108*1# | Credit added instantly, up to AED 50 |
| Unsubscribe | *108*2# | Service deactivated |
| Check reserve credit balance | *121# | Shows borrowed and available balance |
| Manage / eligibility check | *108# | Menu with borrowing options |
Reserve Credit does not renew automatically for every account type. Single Account SIM customers get automatic renewal once eligible, but Multiple Account SIM holders must request the service fresh each time they need it.
Eligibility Requirements
Etisalat sets clear conditions before Reserve Credit becomes available on a line.
- Prepaid Etisalat line only — postpaid accounts don’t need this service
- Active on the network for at least 3 months — not 2, as several guides still claim
- Minimum usage of AED 10 per month
- No outstanding previously borrowed credit still unpaid
- Balance at AED 1 or below at the time of request
If your number is linked to another primary account under the same Emirates ID, borrowing works differently. The non-primary line’s request triggers an SMS consent message to the primary account holder, who must approve it within 24 hours — if there’s no response in that window, the request expires automatically.
Pro tip: Dial *108# first if you’re unsure whether you qualify — this sends an eligibility check without committing you to a loan, and Etisalat replies by SMS confirming whether you’re eligible and for how much.
Fees and Repayment
The fee structure depends on which SIM type is linked to your account.
| SIM Type | Fee Structure |
|---|---|
| Single Account SIM | 20% of borrowed amount (excluding VAT) |
| Multiple Account SIM | AED 0.06 per minute or SMS (excluding 5% VAT), on top of existing tariff |
Repayment happens automatically — the borrowed amount plus the applicable fee is deducted from your very next recharge, before any remaining balance is added to your account. There is no separate bill or manual repayment step.
Frequently Asked Questions
What is the Etisalat loan code number?
The Etisalat loan code is *108*1#, dialed from an eligible prepaid line to instantly borrow up to AED 50 in Reserve Credit. To check your eligibility first without borrowing, dial *108# instead, which sends an SMS confirming your eligible amount.
How much can I borrow with Etisalat’s loan code?
Prepaid customers can borrow up to AED 50 through Reserve Credit, depending on account history and usage. The exact amount offered is confirmed by SMS once eligibility is checked, and higher amounts are typically reserved for customers with a stronger recharge history.
How does Etisalat charge for the credit loan?
Single Account SIM customers are charged 20% of the borrowed amount, excluding VAT, deducted automatically on the next recharge. Multiple Account SIM customers instead pay AED 0.06 per minute or SMS, excluding 5% VAT, added on top of their existing tariff.
Last verified: July 2026 Reviewed by: UAE Content Team Source: e& (Etisalat) UAE — Reserve Credit
