A couple of weeks ago, my friend Amal moved to Paris for work. I recall her sharing her plans for her siblings back home in Morocco. Her 13-year-old brother even wanted the latest iPhone, a request which she found more ridiculous than amusing. Regardless, she thought sending money home to Morocco would be simple. However, between unexpected fees, slow bank approvals, and confusing exchange rates, every transfer proved to be difficult.
Stories like hers are all too familiar. Many Moroccans working abroad or freelancing for global clients need to send money back home to their loved ones or businesses. A considerable number of them run into issues. This article is for these people. To help, this article highlights how Grey addresses this problem and how it compares to other platforms.
Also read: How to open international bank accounts in Morocco
Before comparing, it helps to understand what makes an excellent international payment service. Here’s what matters most when sending MAD to Morocco:
With these in mind, here’s how the leading players stack up.
Also read: How to obtain a Morocco business visa
Grey is designed for people who live and work across borders, typically freelancers, remote workers, expats, and families supporting loved ones abroad. The platform lets users receive ****and send money globally in multiple currencies (USD, EUR, and GBP, depending on your country).
You can open a free account in minutes, receive international payments from clients or platforms like Upwork or YouTube, and convert them into MAD instantly. Grey’s biggest strength lies in its speed and transparency. There are no hidden fees, no surprise deductions, and always competitive exchange rates.
Why users love Grey:
Grey removes the friction from global payments. You can receive different currencies directly into your Grey account and convert at market-aligned rates. Transfers to Moroccan bank accounts are fast, and users can also send money directly to friends, family, or businesses.
Advantages:
Potential drawback:
Also read: How to receive payments from Upwork in Morocco in 2025
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Wise is a veteran in cross-border payments, known for transparency and real mid-market exchange rates. It’s a popular choice for freelancers, digital nomads, and small businesses because it clearly shows you the fees upfront before you send money.
With Wise, you can send money from over 50 countries to Morocco. The transfer time can vary, sometimes taking hours, depending on your payment method. Wise supports both bank-to-bank and debit card transfers, which is convenient but can slightly affect fees.
Advantages:
Potential drawbacks:
Remitly is one of the most popular options for sending money to loved ones abroad. It focuses on speed and flexibility, allowing users to send MAD directly to Moroccan bank accounts, mobile wallets, or for cash pickup.
Its “Express” option delivers funds within minutes (using a debit card), while the “Economy” option takes longer but costs less. It’s great for personal transfers but less suited for freelancers or business payments, as it doesn’t support direct account deposits in foreign currencies like USD or EUR.
Advantages:
Potential drawbacks:
Western Union has been in the money transfer game for decades. It’s available almost everywhere and is often the go-to for those sending cash to Morocco. The platform allows for in-person pickups at various locations, which is great if your recipient doesn’t have a bank account.
However, Western Union’s convenience comes at a cost, which is higher fees and less favourable exchange rates than most fintech alternatives. It’s reliable but not ideal if you’re looking to maximise value.
Advantages:
Potential drawbacks:
Payoneer is built primarily for freelancers and businesses receiving cross-border payments. It allows users to open USD, EUR, or GBP accounts and get paid by clients or platforms such as Fiverr, Upwork, or Amazon.
However, Payoneer doesn’t support direct MAD payouts, meaning you’ll have to convert your earnings through local bank withdrawals, often at rates that aren’t ideal. While Payoneer shines for professional payments, it’s less suitable for casual money transfers or family remittances.
Advantages:
Potential drawbacks:
Each platform offers something valuable, but Grey strikes the best balance between speed, cost, and simplicity.
Unlike most others, Grey provides local MAD payouts alongside EUR and GBP accounts. That means no middlemen, no conversions through multiple platforms, and no extra fees. Transfers are completed within minutes, and you can manage everything – currency conversions, withdrawals, right inside the app.
Grey also aligns perfectly with today’s global workforce.
Also read: Highest-paying remote jobs for professionals in Morocco
At the end of the day, the best platform depends on your needs, but for most people, the answer is speed, transparency, and ease. That’s precisely what Grey delivers.
If you’re tired of hidden fees, slow transfers, or clunky banking systems, it’s time to try something better.
Open a free Grey account or download the app to start sending MAD to Morocco faster, safer, and at better rates.
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