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STC Emergency Balance: How to Borrow Load or Get a Credit Loan

TechSTC Emergency Balance: How to Borrow Load or Get a Credit Loan

If you find yourself running out of credit on your STC SIM and can’t recharge immediately, don’t panic. STC offers a practical solution that allows users to borrow a load or receive an emergency balance. This guide will walk you through all the methods and codes needed to obtain an STC loan or emergency balance for your STC Sawa SIM number.

What Is STC Emergency Balance Code

STC, a prominent telecommunications provider in Saudi Arabia, provides an Emergency Balance Code service. This service enables users to request a quick recharge of 5 Riyals, ensuring they stay connected even when their balance is depleted. This service is crucial for moments when you urgently need credit and can’t access a top-up immediately.

Methods for Borrowing Load in STC

STC offers two primary methods for customers to borrow load or receive an advance balance:

  • Automated Message for STC Loan Credit
  • Manual Request by Sending the STC Emergency Balance Code to 808808

Automated Message Service for Loan Credit

Whenever your balance is low, STC sends an automated SMS from 808808. The message prompts you to reply with ‘1’ to receive an emergency loan of 5 Riyals. 

Upon sending your reply, your SIM will be recharged, and you will receive a confirmation message. To check your emergency balance, you can dial *166#.

Whenever you recharge your SIM, 5 Riyals will be automatically deducted against the credit loan. STC does not charge any additional service fees for this loan. 

However, it’s important to note that the automated message service is available for only 24 hours from the time it is received. If you do not respond within this timeframe, the service expires, and you will need to request the load manually.

This service is exclusively available for prepaid customers.

Manual Request for Sawa / STC Advance Balance / Loan

If you do not receive the automated message, you can manually request an advance balance from STC. This method is available to all eligible Sawa / STC customers when their balance is nearly 0 Riyals or insufficient for making calls or sending messages.

Steps to Manually Borrow Load:

  • Open your SMS messaging app.
  • Type the STC advance balance code ‘1’ in the message body.
  • Send the message to 808808.

By following these steps, you will receive a recharge of 5 Riyals immediately. This ensures that you can stay connected even when your balance runs low. If you encounter any issues, you can contact the STC helpline for further assistance.

Utilizing the STC Extra Credit

Once you receive the advance load or extra credit from STC, it can be used for a variety of purposes, such as making calls, purchasing offers, or acquiring internet data. Given that the emergency loan is only 5 Riyals, it is advisable to use it wisely and recharge your account as soon as possible to avoid any disruptions.

Key Points to Consider:

  • Eligibility: The emergency balance service is available only to prepaid customers.
  • Automatic Deduction: The 5 Riyals loan amount is automatically deducted the next time you recharge your SIM.
  • Service Duration: The automated message service is valid for 24 hours. If you do not respond within this period, you will need to request the emergency balance manually.
  • Usage: The borrowed credit can be used to make calls, send messages, purchase data, or use other services provided by STC.


STC’s emergency balance service offers a convenient solution for unexpected moments when you run out of credit. Whether you use the automated message service or manually send the code to 808808, STC ensures that you remain connected at all times. 

Understanding how to utilize these services can save you from inconvenience, providing peace of mind knowing that you can always stay in touch with your loved ones and handle emergencies even when your balance is low.

By following the straightforward steps outlined in this guide, you can easily borrow load from STC, ensuring uninterrupted communication. Whether you need to make a call, send a message, or use mobile data, STC’s emergency balance service has got you covered.

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