Stuck with zero balance on your Du prepaid account? Du’s “Borrow Credit” service gives you an emergency advance to stay connected for calls and SMS until your next recharge, and a separate “Zero Credit Call” feature covers you mid-call.
Quick answer
Dial *108# and follow the prompts, or send SMS “5” to 1080 to instantly borrow AED 5. Save 1080 in your contacts as “Du Emergency Credit” so it’s ready the moment your balance hits zero.
Borrow Credit service
Available loan amounts typically include AED 3 and AED 5. To qualify, you need to be a registered Du prepaid customer for at least 3 months with a recharge history of AED 10+ per month.
Zero Credit Call — mid-call coverage
This feature activates when your balance drops below 0.50 fils during an active local call. An automated announcement plays, and holding the line after the beep lets you continue for up to 3 additional minutes — the cost is deducted from your next recharge along with a service fee.
Repayment
Both services work on a borrow-now, pay-later basis: recharging deducts the borrowed amount plus the service fee (with VAT) before any new credit is added to your usable balance.
Verified against du’s official Borrow Credit guidance, August 2026.
Step-by-Step Guide
- 1
Check your eligibility
You must be a Du prepaid user for at least 3 months with a recharge history of AED 10+/month. Your current balance should be near zero and you must have no outstanding loans.
- 2
Request emergency credit
Dial *108# and follow the prompts to select your loan amount, or for instant service, send an SMS with "5" to 1080 to borrow AED 5 immediately.
- 3
Credit is added instantly
You'll receive a confirmation SMS showing the borrowed amount and service fee. The credit is available immediately for calls and SMS. It will be auto-deducted from your next recharge.
Alternative Methods
Dial *108# from your phone dialer.
SMS "5" to 1080
Du App > Services > Borrow Credit
Troubleshooting
"Not eligible" error when requesting Du loan
Your account may be too new (less than 3 months old), you may have insufficient recharge history, or you have an outstanding unpaid loan. Continue regular recharges for a few months to build eligibility.
Loan amount was deducted but credit not added
Wait 2-3 minutes as there can be a short delay. If credit still doesn't appear after 5 minutes, call 155 from another phone and reference your loan request. The agent can verify and manually credit your account.
Look Up More USSD Codes
Frequently Asked Questions
What's the service fee?
Approximately AED 0.50 plus 5% VAT per transaction, deducted along with the loan at repayment.
Can I borrow again if I already have a loan?
No — recharge to repay the outstanding advance first.
Is this available for postpaid?
No, Borrow Credit and Zero Credit Call are prepaid-only services.
Why save 1080 as a contact?
So you can find the SMS shortcut instantly when your balance hits zero, rather than searching for the number under pressure.