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Dirhams into a Moroccan bank account
Moroccan families have been in Germany for two generations, but the people reading this page in English are usually the newer arrivals: engineers in Stuttgart, medical staff in Köln, consultants in Frankfurt who work in English all day and have not switched their private life to German.
Grey pays Moroccan dirhams into Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc. You enter the 24-digit RIB, choose standard or instant delivery, and the dirham amount is on screen before you confirm. Payouts from a funded balance typically reach the Moroccan account within minutes.
How the Morocco transfer works
Sign up
The account is free and opens in about five minutes with a valid identity document. No German-language paperwork is involved at any point.
Fund
Add euros by SEPA from DKB, Sparkasse, Deutsche Bank, Commerzbank, ING or N26. The balance is available for conversion straight away.
Send
Ask for the full RIB, all 24 digits, and pick standard or instant delivery. Confirm the dirham figure and the rate holds.
The cost of moving euros to dirhams
Grey prices the conversion and the payout as separate lines, so you can see what each one is doing before you agree to either.
Families on this corridor often send larger amounts less often, for a build or a land payment, rather than a small sum every month. On a single large transfer the rate is almost the entire cost, which is why hiding it is such an effective trick.
The dirham amount is settled at confirmation
When you confirm in Stuttgart or Köln, the EUR to MAD rate is fixed. The amount reaching the Moroccan account is the amount you saw.
This matters when the money is going to a contractor rather than a relative. A builder in Fès quoting for a season's work wants a dirham total, and the euro cost of that total is your problem to manage, not theirs.
The problem with the usual route
Cash transfer counters remain common on this corridor, and they cost a visit, a queue and a margin nobody itemises. A bank wire from Germany is slower again and can arrive reduced by fees applied in the middle. Paying the RIB directly removes all three problems at once.
What arrives in Morocco
A dirham credit to the account at Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank or Société Générale Maroc. Your family does not collect it, does not sign for it and does not need Grey.
Any of the major Moroccan banks
The RIB identifies the bank and the account together, so you do not need to know which branch it belongs to.
Standard or instant
Both reach the same Moroccan accounts. The choice depends on whether the money is needed today or simply this week.
Grey to Grey
If a cousin in Casablanca also has Grey, a GreyTag transfer between the two of you is free and instant.
Funding, from a German salary account
Everything upstream of the dirham conversion is ordinary euro banking. These are the three ways money reaches your Grey balance in Germany.
SEPA in euros
The normal route, from any German current account, usually credited within minutes.
Non-euro balances
USD provided by Lead Bank or a GBP balance converts to MAD without touching euros.
GreyTag top-up
Siblings in Germany pooling a payment can send to your GreyTag free and instantly.
When a builder has quoted in dirhams, put the MAD figure in first. Grey works back to the euro cost so you are not rounding in your head.
What this corridor pays for
Parents and monthly support
Regular dirhams to parents in Casablanca, Rabat, Fès or Agadir, covering household costs and medication.
Building a house
Staged payments to masons, electricians and suppliers for a house going up in the family town, released as each stage finishes.
Land and property
Purchase instalments, notary costs and the annual charges that come with owning property while living abroad.
Summer and family events
Money sent ahead of the August trip, and the weddings and funerals that call for a dirham amount at short notice.
Morocco from Germany is a family and property corridor above all. The four patterns below cover most of what senders in Stuttgart, Köln and Frankfurt are actually doing.
Why this route works better on Grey
FAQs
What details do I need to send dirhams to Morocco?
The recipient's 24-digit RIB. It identifies both the Moroccan bank and the account, so no branch details are needed.
Which Moroccan banks can receive the money?
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc are all supported.
What is the difference between standard and instant delivery?
Both reach the same Moroccan bank accounts. Instant is for payments needed the same day, standard for anything less urgent.
Can I use Grey in Germany without speaking German?
Yes. Sign-up, verification and support run in English, which suits internationally recruited staff in Stuttgart, Köln and Frankfurt.
How do I pay a builder in Morocco a set dirham amount?
Enter the dirham figure first and Grey shows the euro cost, so the contractor receives the exact total quoted.
How long does a transfer to Morocco take?
Transfers from a funded Grey balance typically arrive within minutes, with instant delivery available when timing is tight.
Can the rate change after I confirm?
No. The EUR to MAD rate is fixed at confirmation and the dirham amount does not move afterwards.
Does my family have to collect the money anywhere?
No. It is credited straight to their Moroccan bank account, with no counter visit and no reference code.
How do I top up my euro balance in Germany?
By SEPA transfer from DKB, Sparkasse, Deutsche Bank, Commerzbank, ING, N26 or any German IBAN.
Is there a receiving fee in Morocco?
No. Grey charges the sender, and the dirhams arrive as a normal domestic credit to the account.
Can I send to other countries from the same account?
Yes. Grey covers more than 80 countries and holds USD provided by Lead Bank, GBP and EUR on one account.
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