URL: https://exchangesteps.com/send-money-from-europe-to-morocco
Updated: 2026-10-25
Sources: https://wise.com/help/articles/2932363/guide-to-mad-transfers , https://wise.com/es/send-money/send-money-to-morocco , https://wise.com/fr/send-money/send-money-to-morocco , https://wise.com/nl/send-money/send-money-to-morocco , https://wise.com/help/articles/2932149/guide-to-eur-transfers , https://wise.com/help/articles/2973523/paying-for-a-transfer-with-apple-or-google-pay , https://wise.com/help/articles/2556723/how-to-pay-by-card , https://wise.com/help/articles/2559761/how-to-pay-by-bank-transfer , https://api.wise.com/v1/account-requirements?source=EUR&target=MAD&sourceAmount=1000 , https://wise.com/help/articles/3xConsbhr7buWkQuqDEQ5V/how-do-i-verify-my-country-of-residence , https://wise.com/help/articles/2949782/guide-to-getting-verified

# Send Money to Morocco from Spain, France, Italy, Belgium and the Netherlands

> **Quick answer**
> - From all five countries you pay **in euros**, and Wise pays **Moroccan dirhams** into a bank account in Morocco using the **24-digit RIB** and the bank's name.
> - What differs is **how you can pay**: PISP works in all five, iDEAL only in the Netherlands, and Apple Pay is listed for Spain, France, Italy and Belgium but not the Netherlands.
> - Wise says dirhams arrive **in 1-3 working days** after the conversion.
> - Bank accounts only: **no cash pickup, no wallets**.
>
> **[Open your Wise account →]**

This page is about the paying side in Europe: what changes when you send money from Spain to Morocco compared with France, Italy, Belgium or the Netherlands. The Moroccan side (how the RIB is built, the six banks that may charge a receiving fee) is in [send money to Morocco with Wise](https://exchangesteps.com/wise-send-money-to-morocco), and the transfer screens in [how to send money with Wise](https://exchangesteps.com/how-to-send-money-with-wise).

## How you can pay, country by country

All five pay in euros, and a SEPA bank transfer works everywhere. The rest varies. According to Wise's help pages:

| You live in | PISP (pay through your bank) | iDEAL | Apple Pay | Google Pay |
|---|---|---|---|---|
| **Spain** | Yes | No | Yes | Yes |
| **France** | Yes | No | Yes | Yes |
| **Italy** | Yes | No | Yes | Yes |
| **Belgium** | Yes | No | Yes | Yes |
| **Netherlands** | Yes | Yes, up to 50,000 EUR | Not on Wise's list | Yes |

**Shared limits:** card up to 10,000 EUR per transfer, Apple Pay up to 10,000 EUR per payment, Google Pay up to 2,000 EUR per payment, and no more than 6 Apple Pay and Google Pay payments a day combined. Your bank sets the PISP limit.

**The Netherlands and Apple Pay:** Wise's help page doesn't list the Netherlands for Apple Pay in EUR, but Wise's Dutch Morocco page showed Apple Pay in its price table on 25 October 2026. Go by what the app offers you at the payment step.

**Cards:** a card issued in Spain, France, Italy, Belgium or the Netherlands paying in EUR has no international card fee. It still costs more than a bank transfer.

**Your own account:** a bank transfer has to come from an account in your name. Wise doesn't accept money from someone else's account.

## Fees and timing as Wise showed them

On 25 October 2026, Wise's Spanish, French and Dutch Morocco pages listed the same ways to pay: Wise balance, bank transfer, PISP, debit card, credit card, Apple Pay. In their price tables, **Wise balance, then PISP, then bank transfer** were cheaper than the cards and Apple Pay. The pages also say Wise lowers its fee above 22,000 EUR or the equivalent.

We don't print the amounts because they change daily. Wise shows the cost and the MAD amount **before you confirm**. More in [Wise fees explained](https://exchangesteps.com/wise-fees).

**Timing:** on Sunday 25 October 2026, all three pages estimated arrival "by Monday". Wise's MAD guide says the conversion can take up to 2 working days, then dirhams reach the Moroccan bank **in 1-3 working days**. So MAD is slower than, say, EGP to Egypt; plan ahead if a payment is due on a fixed date.

**Receiving fees in Morocco:** six banks may take up to 20 MAD on arrival: Al Barid, Attijariwafa, BMCE, BMCI, Crédit du Maroc and Société Générale Maroc.

## What goes into the recipient form

Paying in EUR to MAD, Wise's form has three fields: **Recipient type** (person or business), **Bank name** from a list of Moroccan banks, and **Account number (RIB)**, exactly 24 digits, plus the full name. It doesn't ask for the recipient's address.

If you don't have the RIB, choose **Email**: you enter the recipient's email and Wise asks them for their bank details.

## The residence document for Moroccan passport holders

With a Moroccan passport and a Wise address in Spain, France, Italy, Belgium or the Netherlands, Wise may ask for a document **issued by the country you live in**. According to Wise:

- **Accepted:** a valid residence permit card, a long-term visa valid for more than 90 days, a passport or ID card from your country of residence, and some refugee documents.
- **Not accepted:** a paper residence permit, residence or visa applications, visas of 90 days or less, asylum seeker documents, driving licences, utility bills.

Upload it through the "We need more information to verify your account" banner, not by email. Until the check is done, you may not be able to send. And in Europe, Wise doesn't accept a driving licence as ID: use your passport or ID card. Details in [Wise verification](https://exchangesteps.com/wise-identity-verification).

## Steps: send money to Morocco from France and the others

1. Open your account through **[our link]** with your European address: [create a Wise account](https://exchangesteps.com/how-to-create-wise-account).
2. Verify your identity, and upload your residence card if Wise asks.
3. Tap **[Send]**, add the recipient and choose **MAD**.
4. Pick the bank from the list, then enter the 24-digit RIB and the full name.
5. Enter the amount, review, choose PISP or bank transfer (or iDEAL in the Netherlands) and pay from an account in your name.

## FAQ

**How do I send money from Belgium to Morocco with Wise?**
Open the account with your Belgian address, add the recipient in MAD (bank and RIB), and pay in EUR by PISP, SEPA transfer, card, Apple Pay or Google Pay. Belgium is on Wise's lists for the last three.

**Can I send money from the Netherlands to Morocco with iDEAL?**
Yes. Wise accepts iDEAL up to 50,000 EUR per transfer.

**Is it different to send money from Italy to Morocco than from Spain?**
Not on the Moroccan side. On the paying side, Italy and Spain have the same methods on Wise's lists: SEPA, PISP, card, Apple Pay and Google Pay.

**Can my family collect cash in Morocco?**
Not with Wise. The money goes to a bank account with a RIB only.

**What's the most I can send?**
3,000,000 MAD per transfer. On the paying side: up to 10,000 EUR by card and up to 50,000 EUR by iDEAL.

## Get started

**[Open your Wise account →]**

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*Last updated: 25 October 2026 · All facts from the official Wise pages listed above.*