Morocco ATM Travel Guide
ATMs in Morocco don’t usually pose many challenges as they can be found in most Moroccan cities.
However, in some areas they can be elusive, non existent, empty or may just reject your card. Cash machines may also be out of service until they are restocked during busy periods, so best to not wait until you’re desperate for currency. This can be particularly pertinent when the ATMs in Morocco run out of cash over the weekends as they are only restocked on Mondays.
If there are no ATMs close by or the ATMs in Morocco are not working with your card, check back here for our guide about how to send yourself money online and pick it up at an authorized local cash pick up point.
It is a very similar process to buying something on the internet with your debit card and is probably the quickest way to send yourself money online to Morocco.
There’s also currently a promo code so you pay NO FEE on your first money transfer. What’s more, it’s convenient, safe and cheaper than paying high ATM withdrawal fees allowing you to transfer more than the maximum ATM limit.
Morocco ATM Fees & General Information
Morocco has fairly high withdrawal charges. These vary according to your bank and are calculated as a percentage, often with a fixed basic amount applied and a withdrawal may incur a fee of around 20-23 MAD.
You will also probably get charged a fee by your own bank. The currency conversion rate is not always the best and the money lost in the exchange can really add up. Having a Wise (formerly TransferWise) MasterCard can help reduce your home bank fees and gives a great exchange rate on purchases.
Withdrawal limits depend on the bank, but tend to be around 2000 Dirham with a maximum of 4000 Dirham per day. This means multiple transactions are sometimes needed and fees can add up. You may also have to choose different ATMs as some banks might not allow multiple transactions with the same card in case of fraud.
Major hotels take debit/credit cards, but cheaper accommodations, tourist sites and restaurants tend to only take cash.
Almost all ATMs in Morocco accept Visa, MasterCard, Electron, Cirrus, Maestro, and InterBank cards.
The most reliable banks are BMCE (Banque Marocaine du Commerce Extérieur), Société Générale, Banque Populaire, BMCI and Attijariwafa Bank.
Check out our Travel Money Tips for more general information covering pre-trip planning, fees, scams, skimmers and general safety.
Getting Cash Without Using The ATMs In Morocco:
– Send Money To Morocco & Pick It Up Locally
With so many overseas Moroccans sending money home to their families, there are lots of local cash pick up points to collect these funds.
This means, in a similar way, you can use your ATM card (debit/credit) or bank details to securely send yourself funds online through a reputable International money transfer service that has a partnership with a local cash pick-up point.
This service is also cheaper and quicker than Western Union or Moneygram, so great if you are Moroccan but working abroad to send money to Morocco for your family.
If you are elsewhere you can still use this method of accessing your money.
Check to see if there is a local authorized cash pick-up point where you are. Click HERE for locations
In Morocco, this is any branch of:
- Canal M
- Al Barid Bank / Barid Cash
- Cashplus
If there’s a branch locally, then follow the step-by-step guide below.
– Step By Step Guide…incl fee free promo code
Note: The process is quicker than the detailed guide suggests. It is currently possible to send from 50 countries, however, Israel and a few others are not yet included due to local government policies
- To begin, click World Remit LTD
(IMPORTANT: If you don’t see ‘Morocco’ in the Choose a Country To Send To list, this is because you must first choose which overseas country to send money from. The “Send From” option can be found at the top of the page on PC/Laptop. On mobile it is the last option in the drop down menu at the top of the page represented by the 3 horizontal lines) - Once You have chosen ‘Morocco’ as the Country To Send To, click “Get Started”
- On the next page make sure the Cash Pickup tab is ticked and click “Continue”
- Enter the amount to send in your currency or receive in Moroccan Dirham (MAD). The exchange rate & fee (which you can remove with a promo code later) will automatically show. Once you’re happy click “Continue”. You are then prompted to register / create an account.
There is no need for a referral code on this page as you will apply your fee-free promo code on the payment page as you process your money transfer. - Once registered you will input details of who you are sending the money to, so for the recipient, put yourself (as your name appears on your Passport) and use the address of your current accommodation. You will also be required to provide a local mobile number, however if you don’t have one, people have successfully used all zeros, or asked their accommodation to use their number. For the sending reason, select “Sending Funds To Self”.
- When it comes to payment details, it is important to make sure your name and address match the name on your Debit card and the billing address is used. Don’t forget to use the promotion code “FREE” (without quotes) on the payment page to get your first transfer FEE-FREE!
If your card payment fails for any reason, select the Sofort option and pay using your online banking log-in details. - Almost instantly you will receive a welcome email (don’t worry if this does not arrive) and a confirmation email of your transfer informing you to wait for a further email. In most cases this takes 10-30 minutes (longer if paying via bank details & not debit card or your financial situation is complicated). The final email will say whether identity / regulatory checks have been completed and inform you if your transfer is available to pick up. Note: Sometimes further information may be required from you before they can process the transfer in order to comply with regulatory requirements, however this is unlikely in most cases.
- Once complete, go to the pick up point you identified earlier, show your Passport and quote the 8-digit transaction reference number to collect your money.
We update this guide every month or so, however, if you have any feedback to help keep this guide up-to-date or make it more comprehensive and easier for others to follow, please Message us on Facebook
Sending Money To A Bank Account Instead
You can also use the above method to quickly transfer money to an overseas bank account, perhaps to pay for your accommodation or an activity. The promo code above for NO FEES on your first money transfer also applies for these transactions.
Click HERE for this service.
IMPORTANT: If you don’t see ‘Morocco’ in the Choose a Country To Send To list, this is because you must first choose which overseas country to send money from. The “Send From” option can be found at the top of the page on PC/Laptop. On mobile it is the last option in the drop down menu at the top of the page represented by the 3 horizontal lines.
Once You have chosen ‘Morocco’ as the Country To Send To, click “Get Started”
On the next page make sure the ‘Bank Transfer’ tab is ticked, click “Continue” and proceed with your transfer. Don’t forget to use the promotion code “FREE” (without quotes) on the payment page to get your first transfer FEE-FREE!
For more information visit this FAQs section.
Wise, formerly TransferWise is another service that also offers bank transfers. If you are new to the service, and follow THIS LINK, you will automatically pay NO FEES on your first transfer of up to £500 (or the equivalent amount in any other currency).
Arguably the best thing about them is that they give you the mid-market rate on the currency exchange, so it’s much cheaper than a traditional bank to bank wire transfer. You won’t need any SWIFT or IBAN numbers, just the name of the account holder, their account number, the bank name and branch location.
Useful Links:
https://en.wikipedia.org/wiki/Morocco
Here are two useful links to find the nearest ATMs in Morocco : Visa / MasterCard
*** ATMs in Morocco ***