URL: https://exchangesteps.com/wise-send-money-to-morocco
Updated: 2026-10-23
Sources: https://wise.com/help/articles/2932363/guide-to-mad-transfers , https://wise.com/gb/send-money/send-money-to-morocco , https://wise.com/help/articles/2977959/how-do-i-send-money-with-wise , https://wise.com/help/articles/2522717/fees-for-sending-money , https://wise.com/help/articles/2amMyWoOyhgTL0CkDcY2m4/what-are-dynamic-charges , https://wise.com/help/articles/2559761/how-to-pay-by-bank-transfer , https://wise.com/help/articles/2556723/how-to-pay-by-card , https://wise.com/help/articles/2973523/paying-for-a-transfer-with-apple-or-google-pay , https://wise.com/help/articles/2932149/guide-to-eur-transfers , https://wise.com/help/articles/2932148/guide-to-gbp-transfers , https://wise.com/help/articles/2932153/guide-to-cad-transfers , https://wise.com/help/articles/2932150/guide-to-usd-transfers , https://wise.com/help/articles/2932338/guide-to-chf-transfers , https://wise.com/help/articles/3xConsbhr7buWkQuqDEQ5V/how-do-i-verify-my-country-of-residence , https://wise.com/help/articles/2v3OMcg97Z7gObSifJbjsu/understanding-wises-position-on-cryptocurrency

# How to Send Money to Morocco with Wise

> **Quick answer**
> - Wise sends **Moroccan dirhams (MAD) to a bank account in Morocco**, personal or business.
> - Morocco uses the **24-digit RIB**, not an IBAN. Your family gives you their **full name, their bank and their RIB**.
> - Wise says the money arrives **1-3 working days** after the conversion, with **up to 3,000,000 MAD per transfer**.
> - Some Moroccan banks may take a **receiving fee of up to 20 MAD**.
> - Bank accounts only: **no cash pickup and no wallets**.
>
> **[Open your Wise account →]**

## What your family receives in Morocco

| | |
|---|---|
| **Currency** | Moroccan dirhams (MAD) |
| **Where it lands** | A personal or business bank account in Morocco |
| **What you need** | Full name + bank name + 24-digit RIB |
| **Limit** | Up to 3,000,000 MAD per transfer |
| **Speed (Wise's wording)** | 1-3 working days after the conversion |
| **Receiving bank fee** | Up to 20 MAD at some banks (list below) |

### Banks that may charge a receiving fee

Wise lists six Moroccan banks that "may charge a receiving bank fee of up to 20 MAD": **Al Barid, Attijariwafa, BMCE, BMCI, Crédit du Maroc and Société Générale Maroc**. This fee is taken by the bank in Morocco, not by Wise, so your family may get slightly less than the amount Wise shows.

## What you need from your family: the RIB

Wise's form for Moroccan dirhams has three fields:

| Field in Wise | What to enter |
|---|---|
| **Recipient type** | Person or Business |
| **Bank name** | Pick the bank and branch from Wise's list (it has 79 Moroccan banks and branches, such as Attijariwafa Bank and Banque Populaire) |
| **Account number (RIB)** | Exactly 24 digits, no spaces |

Plus the recipient's **full name**, as the bank has it.

### How the 24-digit RIB is built

Wise explains that the RIB "is different from an IBAN". It's made of:

- **3 digits**: the bank code
- **3-8 digits**: the branch code
- **11-16 digits**: the account number
- **2 digits**: the RIB key

Together that's always 24 digits. Your family finds the RIB in their bank app, on a statement or on the "relevé d'identité bancaire" the bank gives them.

## Step by step: send money to Morocco with Wise

1. **Open a Wise account** through **[our link]** and get verified: [create a Wise account](https://exchangesteps.com/how-to-create-wise-account), [Wise verification](https://exchangesteps.com/wise-identity-verification).
2. In the app or on the website, tap **[Send]**. A bar at the top shows the four stages: **Recipient · Amount · Review · Pay**. The first screen asks "WHO ARE YOU SENDING TO?", with a search box and your recent recipients below.
3. For a new recipient, tap **[+ Add]**. Don't start from an existing contact: Wise then only shows the currencies you've already used with that contact.
4. Under "Select their currency", type **MAD** and choose it.
5. On "Add a recipient", choose **[Bank details]** ("You'll need their account information"). The other option, **[Upload screenshot or invoice]**, lets Wise fill in the details from a screenshot, photo or PDF of your family's bank details; check every field afterwards.
6. Fill in the form: **Recipient type**, the **Bank name** from Wise's list, the 24-digit **Account number (RIB)** and the recipient's **full name**.
7. **Amount:** type what you send (**From**, e.g. EUR) or what your family should get (**To**, MAD). Wise shows the rate, the fee and the expected arrival before you continue.
8. **Review:** check the bank and the 24 digits of the RIB once more.
9. **Pay:** choose how to pay (bank transfer, card, Apple Pay and so on, depending on where you live). If you pay by bank transfer, send the exact amount to the details Wise shows, **from an account in your own name**: Wise can't accept money from someone else's account.
10. Follow the transfer's status in the app or on the website.

## Paying from France, Spain, the Netherlands, Belgium and other countries

Most people who send money to Morocco live in the euro area. Here is what Wise accepts:

| You live in | You pay in | Ways to pay | Time to reach Wise | Limits Wise lists |
|---|---|---|---|---|
| **France, Spain, Belgium, Italy, Germany** | EUR | SEPA bank transfer, card, Apple Pay, Google Pay, Trustly | SEPA: minutes to 1 working day | Card 10,000 EUR per transfer; Apple Pay 10,000 EUR; Google Pay 2,000 EUR per payment |
| **Netherlands** | EUR | SEPA, iDEAL, card, Google Pay, Trustly | SEPA: minutes to 1 working day | iDEAL 50,000 EUR; Google Pay 2,000 EUR |
| **United Kingdom** | GBP | Bank transfer (Faster Payments), card, Apple Pay, Google Pay | Usually seconds | Apple Pay and Google Pay 10,000 GBP |
| **Switzerland** | CHF | Bank transfer (regular or instant), card, QR bill | 1-3 working days; instant 15-30 minutes | Card 3,500 CHF |
| **Canada** | CAD | Interac e-Transfer, direct debit, bill payment, card, wire | 1-3 working days | Interac 25,000 CAD; card 3,000 CAD |
| **United States** | USD | ACH, wire, card | ACH 0-4 working days; card 0-30 minutes | Card 2,000 USD per 24 hours |

**From France and Belgium:** Apple Pay works up to 10,000 EUR and Google Pay up to 2,000 EUR per payment in both countries. A card issued in the EEA paying in EUR has no international card fee.

**From Spain and Italy:** the same SEPA and card options apply. Apple Pay and Google Pay are both listed by Wise for Spain and Italy.

**From the Netherlands:** iDEAL is accepted up to 50,000 EUR per transfer. Wise lists Google Pay for the Netherlands, but not Apple Pay.

**If your passport is Moroccan** and you live in France, Spain or another country, Wise may ask for a document from that country (a residence permit, or a visa valid for more than 90 days) to show you live there.

## How long it takes

1. **Your money reaches Wise:** depends on how you pay (table above).
2. **Wise converts and pays out in Morocco:** the conversion can take up to 2 working days, then Wise says MAD arrives in **1-3 working days**.

So MAD transfers are slower than, say, EGP to Egypt. Plan ahead for rent or bills with a fixed date.

## Fees: how Wise prices a transfer to Morocco

- **A fixed part plus a percentage** of the amount. The percentage depends on the currency you pay with.
- **How you pay:** Wise says a bank transfer is usually the cheapest. Cards cost more, and a card from another country than your paying currency costs more again.
- **Dynamic charges:** for less-used currencies or volatile markets, Wise may add an extra line. Look for this line in the calculator before you confirm.
- **The receiving bank:** up to 20 MAD at the six banks listed above.

Rates and fees change daily, so we don't print them. Wise shows the full cost and the amount in MAD **before you confirm**. More: [Wise fees explained](https://exchangesteps.com/wise-fees).

## What Wise can't do for Morocco

- **No cash pickup and no wallets.** The money only goes to a bank account with a RIB.
- **No paying from someone else's account.** It has to be your own.
- **If you live in Morocco**, you can sign up, but you can't hold a balance, get the card or pay in MAD. See [Wise in Morocco and the Arab world](https://exchangesteps.com/wise-supported-countries).
- **No crypto.** Wise doesn't allow sending to crypto exchanges or to people selling crypto.

## FAQ

**Does Wise work in Morocco?**
Yes, for sending to Morocco: MAD to any bank account in Morocco with a 24-digit RIB. People living in Morocco can sign up, but they can't hold money or pay in MAD.

**Is the RIB the same as an IBAN?**
No. Wise says the Moroccan RIB is different from an IBAN. Wise asks for the 24-digit RIB and the bank name.

**How long does Wise take to Morocco?**
Wise says 1-3 working days after the conversion, and the conversion can take up to 2 working days.

**How much can I send to Morocco with Wise?**
Up to 3,000,000 MAD per transfer. Your paying method has its own limits, for example 10,000 EUR by card.

**Why did my family receive slightly less than Wise showed?**
Six Moroccan banks may take a receiving fee of up to 20 MAD: Al Barid, Attijariwafa, BMCE, BMCI, Crédit du Maroc and Société Générale Maroc.

## Get started

**[Open your Wise account →]**

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*Last updated: 23 October 2026 · All facts from the official Wise pages listed above.*