Send money to Morocco from Canada
Grey pays Moroccan dirhams into a bank account identified by its 24 digit RIB. Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc are all reachable, and you choose between standard and instant delivery when you send. Your balance is held in US dollars, provided by Lead Bank, in pounds or in euro, and becomes dirhams at the point of transfer. The family in Casablanca, Fès or Oujda needs no Grey account.
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The English speaking half of this corridor
Morocco is often assumed to be a Quebec story, and a good deal of it is. The part this page is written for is the other half: the Moroccan community that settled in Ottawa and across the Toronto region, and more recently in Calgary and Edmonton, where the working language at home and at work is English and the family at the other end is still in Casablanca, Rabat, Fès, Marrakech, Agadir or Oujda.
What gets sent is steady rather than dramatic. A parent's household costs each month. A sibling's studies. A contribution towards a house being finished in stages, which on this corridor is close to universal. And then the two moments in the year when the amount jumps: the Eid al-Adha sheep, and the summer, when a family is coming to visit or the Canadian half is flying back and wants money in place before they land.
The mechanics are the same either way. A 24 digit RIB, a dirham credit into a Moroccan bank account, and a choice at the point of sending between standard delivery and instant, depending on whether the money is needed today or simply needed.
Signing up, funding and sending to Morocco
Sign up
A free Grey account opens in about five minutes with one valid identity document. Save the RIB once and the next transfer is a much shorter job.
Fund
Grey does not carry a Canadian dollar balance. You hold US dollars, provided by Lead Bank, pounds or euro, filled by a client, an employer outside Canada or a transfer you arrange.
Send
Enter the 24 digit RIB and choose standard or instant delivery. The dirham amount, the rate and the fee appear together. Confirm, and the rate stops moving.
What a transfer to Morocco costs
Morocco is served from Canada by a crowd of remittance shops, and almost all of them lead with the fee. A counter advertising nothing visible can hand across fewer dirhams than one charging openly, because the gap has been taken in the rate instead. The dirham total at the bottom is the honest comparison, and it is the number your mother will read back to you.
There is also the cost of the errand itself. A trip to a storefront on Bank Street or along Lawrence Avenue East, queued behind other people doing the same thing on the same weekend of the month, is time you were not planning to spend. Sending from a phone removes that from the price without changing the dirham figure.
How the fixed rate works, balance to dirhams
The rate is shown before you confirm and held from confirmation. The dirham figure you approved is the figure that reaches the RIB, and nothing is recalculated once the transfer is under way.
That is worth more on a repeating payment than on a single one. If you cover a parent's household in Rabat on the same week each month, you are comparing one known rate against last month's known rate, rather than working backwards from whatever landed.
A Canadian bank wire, measured against this
An international wire from RBC, TD Canada Trust, Scotiabank, BMO or CIBC is a product built for the occasional large payment, not for a monthly contribution to a household in Fès. It moves through correspondent banks, the exchange rate is decided inside the bank rather than put to you as a number you agreed to, and the dirham figure that landed usually becomes clear only afterwards. Interac e-Transfer, which every Canadian uses at home, does not cross a border at all. Grey shows the rate and the fee before confirmation, pays dirhams into the RIB, and keeps the transfer trackable from confirmation to settlement.
What your recipient in Morocco sees
Nothing is joined, downloaded or claimed at the Moroccan end. The dirhams arrive as an ordinary credit in the bank account your family already uses.
A 24 digit RIB
The RIB is the full account identifier Moroccan banks route with, longer than the account number alone. Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc are all reachable with it.
Standard or instant
You pick the speed when you send. Both routes reach the same Moroccan bank accounts, and the decision is simply whether the money is needed today or is covering something later in the month.
GreyTag between Grey accounts
A cousin or a sibling who already has a Grey account can be paid by GreyTag instead, free and instantly, without a RIB coming into it.
Filling your Grey balance
Grey is funded from outside Canada, so the first question for a new sender is where the money in the balance is going to come from.
From a client
Consulting, engineering and IT work paid in US dollars, pounds or euro lands straight in the matching balance. Common among the Ottawa end of this corridor in particular.
From an employer
Pay from a company outside Canada can be received into the balance and held there until the transfer is due, converting once on the way out.
From a transfer you arrange
Money held elsewhere can be moved in and left waiting. Most people do this before Eid or before a summer trip, so the dirhams are ready when the date arrives.
Whichever route it takes, the balance stays in one currency until you send, and the conversion into dirhams happens once, at a rate you have already read.
What Canadians send to Morocco for
A parent's household
Rent, electricity, groceries and medicines for parents in Casablanca, Rabat or Oujda, paid on roughly the same date every month from Ottawa or Mississauga. Modest and relentless.
A house being finished
Land bought one year, walls the next, tiling and windows the year after. Moroccan family building projects run for years, and the money for each stage comes from abroad.
Eid and the summer
The sheep for Eid al-Adha, and the cash that needs to be waiting when the Canadian half of the family lands in July. Two predictable spikes that nobody treats as optional.
Fees and studies
A sibling at university in Marrakech or Kenitra, a private school term, an exam registration. Fixed amounts against fixed dates, usually with a receipt expected back.
Four things account for most of the money on this corridor, and two of them are tied to the calendar.
Why Canadians use Grey on the Morocco corridor
Ask for the full 24 digit RIB rather than the short account number, open the account, fund a balance, and send. The RIB is the only detail people regularly get wrong on the first attempt.
Nothing has to be proved about your relationship to the person receiving the money, and no branch appointment is involved. What you need is one valid identity document on your side and a correct RIB on theirs.
FAQs
What is a RIB and is it the same as a Moroccan account number?
The RIB is the full 24 digit identifier Moroccan banks route with. It is longer than the account number alone, and Grey needs all of it.
Where does my brother in Agadir find his RIB?
On a bank statement, in his banking app, or printed on the account details his branch issued. Any Moroccan branch can also print it again.
What is the difference between standard and instant delivery to Morocco?
Speed and fee. Both reach the same Moroccan bank accounts, and the cost of each is shown before you choose, not afterwards.
Which Moroccan banks can Grey pay into?
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc are all reachable with the recipient's RIB.
Can I fund my Grey balance with Canadian dollars before sending dirhams?
No. Grey does not carry a Canadian dollar balance. You hold US dollars, provided by Lead Bank, pounds or euro, and convert to dirhams when you send.
Does my mother in Casablanca need a Grey account to receive the money?
No. She registers for nothing. The dirhams appear as an ordinary credit in the Moroccan bank account she already holds.
Can I use Interac e-Transfer to send money to Morocco?
No. Interac e-Transfer stays inside Canada. Grey converts from a US dollar, pound or euro balance and pays dirhams to a Moroccan RIB.
Can I send a larger amount before Eid al-Adha?
Yes. The transfer works the same way whatever the amount, and the dirham figure is fixed at confirmation so the family can plan around it.
Can I pay a builder in Morocco directly rather than sending to a relative?
Yes, if you have the builder's RIB. A business account is entered the same way as a household one.
Is the rate I see the rate my family in Fès actually receives?
Yes. The rate is shown before confirmation and fixed at confirmation, so the dirham figure you approved is the one that arrives.
How long does a transfer from Canada to Morocco take?
Standard transfers from a funded Grey balance typically arrive within minutes, and instant delivery is there for the times that is not soon enough.
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