Send money to Morocco from Ireland
Grey converts euro to Moroccan dirham and pays into a bank account against the recipient's 24-digit RIB. Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc are all supported. You choose standard or instant delivery, and the rate and fee are shown before you confirm.
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Dirham into a Moroccan bank account
A transfer from Ireland to Morocco converts your euro to dirham once and credits a Moroccan bank account. The detail that governs everything is the RIB, the 24-digit account identifier your recipient will find on a statement or in their banking app. It is longer than most account numbers people are used to, and it is worth having sent to you as a photograph or a copied line rather than read out over a phone.
Morocco is also one of the few corridors where you pick the speed. Grey offers a standard delivery and an instant one, at different withdrawal fees, and the choice sits on the confirmation screen next to the rate. A monthly payment to a caretaker rarely needs instant. A deposit that secures a booking tomorrow morning might.
Two sorts of sender use this route from Ireland. There is a modest but settled Moroccan community here, mostly around Dublin, sending money to family in Casablanca, Rabat, Fes or the villages people came from. And there are Irish owners and travellers: apartments and riads in Marrakech, Agadir, Essaouira and Tangier, with the gardiens, syndic charges, builders and guides that come attached.
No Grey account is required at the Moroccan end. The dirham arrives as a standard credit in their Moroccan bank account, spendable straight away, with no branch visit and no agent to queue for.
Sending to Morocco in three steps
Sign up
A free Grey account opens on your phone in about five minutes, verified once with a valid identity document such as a passport or an Irish driving licence.
Fund
Fill your euro balance with a SEPA payment from an Irish bank or credit union, AIB, Bank of Ireland, Permanent TSB and An Post Money included.
Send
Enter the 24-digit RIB, choose standard or instant delivery, and confirm the euro to dirham rate and the fee. The dirham goes out to the Moroccan bank.
What it costs to send euro to Morocco
The speed choice is the part people get wrong in both directions. Paying for instant on a routine monthly transfer that nobody is waiting for is money spent on nothing. Choosing standard when a hotel deposit, a medical bill or a builder's next stage payment is holding everything up can cost far more than the difference in fee.
So decide it per transfer rather than once and forever. It is the one lever on this corridor that genuinely changes with circumstance, and Grey asks the question each time rather than assuming an answer for you.
How the euro to dirham rate is fixed
Grey shows the euro to dirham rate it is offering alongside the fee before anything leaves your balance, and that rate is fixed at the moment you confirm. The dirham amount on screen is the dirham amount credited to the RIB. Market movement afterwards does not reach into a transfer already sent.
That fixing is what lets you deal in exact figures at the Moroccan end. A syndic charge, a school fee or a contractor's stage payment is quoted in dirham, and you work backwards from that figure to the euro required, rather than sending an approximate amount and apologising for the gap.
Grey against an Irish bank transfer to Morocco
Sending dirham through AIB, Bank of Ireland or Permanent TSB means a correspondent banking route, where the stated fee is only a part of the cost, the exchange rate margin is rarely disclosed, and an intermediary bank can deduct something in the middle without warning anyone. No Irish bank offers you a choice of delivery speed either. Grey converts once, shows the rate, the fee and the speed options together before you confirm, and tracks the transfer to settlement. Revolut is on a great many phones here and nothing on this page argues with that. What Grey brings is a euro balance kept beside USD provided by Lead Bank and GBP, a virtual Mastercard, and GreyTag for free instant sends to other Grey users.
What your recipient sees in Morocco
Dirham arrives in their Moroccan bank account as a standard credit, exactly as a domestic transfer would. No Grey account, no collection point and nothing to present at a counter.
Payout against the RIB
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc are all supported. You enter the 24-digit RIB in the Grey app.
Standard or instant delivery
Both speeds reach the same Moroccan bank accounts, at different withdrawal fees. You choose per transfer, based on how soon the money is actually needed.
GreyTag between Grey users
If your recipient also holds a Grey account, send to their tag instead of the RIB. It is free, immediate, and neither the RIB nor a delivery choice applies.
Ways to put money into your Grey account
Household senders and property owners fund differently on this corridor, and both patterns are easy to hold to.
Monthly, after payday
A standing euro transfer from your Irish current account, timed to wages, so the balance is ready before the date you usually send home.
In blocks, for a property
Fund once and release payments as they come up: a gardien in one month, a repair in another, a syndic charge in a third.
From what is already held
Euro sitting on the balance converts and goes straight out, and USD provided by Lead Bank or GBP can be moved into euro first.
Save the RIB the first time you use it. Twenty four digits is exactly the sort of thing that gets mistyped at the end of a long day, and entering it once removes the risk entirely.
What people send from Ireland to Morocco for
Family support
A monthly amount from Dublin to parents or siblings in Casablanca, Rabat or Fes, covering household costs and medicine.
Running a Moroccan property
A gardien or caretaker, syndic charges, utilities and repairs on a riad or an apartment in Marrakech, Agadir or Essaouira.
Builders and renovations
Stage payments to a contractor working on a house at home or a property bought to restore, quoted and settled in dirham.
Bookings and travel
Deposits to a riad, a guide or a driver arranged directly rather than through an agency, where instant delivery can be what secures the booking.
Family money and property money in roughly equal measure, with travel spending alongside both.
Why send to Morocco with Grey
This corridor asks three things of you and then gets out of the way: the right 24 digits, a rate you have seen, and a decision about whether the money is urgent.
Grey handles the rest. The euro sits on a balance until you need it, the conversion happens once at a rate fixed when you confirm, and the transfer is trackable until the dirham settles in the Moroccan account.
FAQs
What is the RIB I need to send money to Morocco?
It is the 24-digit identifier for your recipient's Moroccan bank account, shown on their statement or in their banking app.
Which Moroccan banks does Grey pay into?
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc all receive dirham against the RIB.
What is the difference between standard and instant delivery to Morocco?
Both reach the same Moroccan bank accounts at different withdrawal fees. You pick per transfer, depending on how soon the dirham is needed.
Is the euro to dirham rate fixed before I send?
Yes. The rate and the fee are shown on the confirmation screen and the rate is fixed at the moment you confirm.
Does my family in Morocco need a Grey account?
No. The dirham arrives in their existing bank account as an ordinary credit, with no agent, counter or collection involved.
Can I pay a gardien or a syndic charge on a Moroccan property?
Yes. Enter the RIB of the caretaker or the management account and send the dirham like any other payment.
Should I pay for instant delivery every month?
Rarely. A routine monthly transfer that nobody is waiting on is usually better sent at the standard delivery fee.
How do I fund the euro balance I send dirham from?
Euro moved by SEPA from AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union sits ready on the balance.
Can I send an exact dirham figure for a builder's stage payment?
Yes. The confirmation screen shows the dirham your recipient receives, so you can work back to the euro required.
What if my relative in Casablanca also uses Grey?
Send to their GreyTag instead of the RIB. Transfers between Grey users are free, instant and work in any supported currency.
Can I track the transfer until the dirham arrives?
Yes. Transfers are encrypted and trackable from the moment you confirm until they settle in the Moroccan account.
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