Send money to Morocco from Kuwait
Moroccans in Kuwait turn up in hotel and restaurant management, in cabin crew and ground handling at the airport, and across technical and professional contracts. Grey pays dirhams into a 24-digit RIB at Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc, with a standard or an instant delivery to choose between.
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The Kuwait to Morocco corridor and the people on it
This corridor is smaller than the Asian ones out of Kuwait and quite different in character. A good deal of it is aviation and hospitality: cabin crew based here, ground operations staff, hotel and restaurant managers who arrived through a group posting rather than an agency. The rest is professional and technical, on fixed term contracts, often working in English all day whatever they speak at home. The money going back is usually one obligation with a name on it rather than a general household allowance.
Payout runs to a 24-digit RIB, the account identifier Moroccan banks use, at Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc. You pick standard or instant delivery when you set the transfer up, which is a decision worth making deliberately: a builder's deadline and a monthly allowance are not the same kind of urgency, and it is sensible to pay for speed only when speed is actually the point.
Funding is the piece people ask about first. Grey holds no Kuwaiti dinar balance. You hold US dollars provided by Lead Bank, pounds or euro, funded by money arriving from an employer or a client, and you convert into dirhams when the transfer goes out.
From a Kuwaiti contract to a Moroccan RIB
Sign up
The account is free and opens in about five minutes on a phone. Verification asks for one valid identity document and nothing beyond it.
Fund
Dirhams are converted at the point of sending out of a balance held in US dollars provided by Lead Bank, pounds or euro, since Grey carries no Kuwaiti dinar. The balance fills from salary, contract payments or a transfer you send in yourself.
Send
Enter the 24-digit RIB, choose standard or instant delivery, and check the dirham figure against the fee before confirming.
What a dirham transfer from Kuwait costs
The dinar side of this pair is easy to misjudge. As the highest valued currency unit in the world, it makes every amount look small written down, and a margin taken on something that looks small in dinar is not small once it has become dirhams and reached a bank in Casablanca or Agadir.
Grey puts the dirham amount and the fee together on the screen ahead of confirmation, for whichever delivery speed you have chosen. What you read there is what reaches the RIB.
How the fixed rate works on dinar earnings
The dirham is managed within a band against a basket, and the dinar is managed against a dollar weighted basket of its own. Two managed currencies facing each other produce a headline that moves slowly and looks reassuring, which is precisely the situation where a provider's margin can vary without anything on the surface appearing to change.
Grey shows you the rate before you confirm and fixes it at that moment. It applies from confirmation through to the credit landing in the RIB, whether you chose standard or instant delivery.
For anyone paying the same amount into Morocco every month, that fixed point is the thing worth having. A rate you were shown and can check afterwards is a different proposition from a rate you find out about once the money has gone.
Grey against a bank wire sent from Kuwait
Arranging this at Commercial Bank of Kuwait, Warba Bank or National Bank of Kuwait produces a SWIFT payment, and SWIFT to Morocco carries the bank's charge, a possible intermediary deduction and a conversion rate applied somewhere you cannot see. There is also no delivery choice: you get whatever speed the chain gives you. Grey shows one rate and one fee before you confirm, lets you pick standard or instant yourself, and keeps the transfer trackable from confirmation to settlement.
What reaches the account in Morocco
Your recipient does not need a Grey account or an app. The dirhams post to their existing account as a normal local credit.
The 24-digit RIB
Moroccan accounts are identified by a 24-digit RIB, and that number is what you enter. Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc all receive.
Standard or instant
Both deliveries reach the same Moroccan bank accounts. The difference is speed, and you choose it per transfer rather than having it chosen for you.
GreyTag between accounts
Where the person you are paying also uses Grey, a GreyTag transfer is free and instant in any currency, with no RIB involved at all.
Getting money into the account
Because no dinar balance exists, funding depends on the currency your income already arrives in.
Employer or client payments
Share your Grey account details with whoever pays you in dollars, pounds or euro. The money arrives in the balance without you doing anything each month.
A transfer you make
Send dollars, pounds or euro into the balance from an account you already hold, and convert into dirhams once it has landed.
A standing balance
Keeping funds in place means an instant delivery is genuinely instant, rather than instant after you have waited for funding to arrive.
The fee for each of these is on screen before you confirm, alongside the delivery speed you have picked, so the whole cost is one thing you look at once.
What this corridor is used for
Supporting parents
A regular amount to a mother or father in Casablanca, Rabat, Fes or a smaller town, covering household costs and often a pharmacy bill. Standard delivery is usually fine because the date is known well in advance.
Property and building
Instalments on an apartment, a tranche to a builder, or the costs of finishing a family house. Larger sums where the dirham figure deserves comparing properly before you confirm anything.
Education
University fees, private school terms, a younger sibling's course costs. Deadlines here are fixed, which is where paying for instant delivery earns itself back.
Ahead of the trip home
Money sent before leave so that it is already in the account when you land, rather than carried through an airport. Aviation and hospitality staff plan this around rosters rather than calendars.
Four patterns account for most of the money going from Kuwait to Morocco.
Why send dirhams through Grey
The account is free, opens in roughly five minutes with a valid identity document, and holds US dollars provided by Lead Bank, pounds and euro.
Every transfer is encrypted and trackable from confirmation through to settlement, on standard and instant delivery alike, and the rate you were shown is the one applied. Support is in the app if a RIB needs checking before the money moves.
FAQs
What is a RIB and do I need the whole thing?
The RIB is the 24-digit number identifying a Moroccan bank account, and yes, all of it is needed for the dirhams to reach the right account.
Which Moroccan banks does Grey pay dirhams into from Kuwait?
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc all receive transfers sent from a funded Grey balance.
What is the difference between standard and instant delivery to Morocco?
Both reach the same Moroccan bank accounts. Instant is quicker and costs more, so it suits a deadline rather than a routine monthly payment.
Can I hold dinar on Grey and convert it to dirhams later?
No. Grey holds no Kuwaiti dinar balance. You hold dollars provided by Lead Bank, pounds or euro and convert into dirhams when sending.
My salary is paid in euro. Should I hold euro before sending dirhams?
Usually yes. Holding euro means one conversion into dirhams rather than a dollar step in between, which removes a margin from the journey.
Will the dirham rate change between confirming and the RIB being credited?
No. The rate is fixed at confirmation and applies to both delivery speeds, so the dirham figure you approved is the figure that arrives.
Does my family in Morocco need to register with Grey?
No. The dirhams arrive in their existing account as an ordinary local credit, with no app, account or registration needed at their end.
Why does the Kuwaiti dinar affect what reaches Morocco?
Because it is the world's highest valued currency unit, a margin that looks negligible written in dinar removes a real amount of dirhams on arrival.
Can I send dirhams for a property instalment rather than family support?
Yes. Any supported Moroccan bank account can receive, so a builder, an agent or a developer is paid the same way a relative is.
Is instant delivery worth paying for on a monthly allowance?
Rarely. A payment on a date everybody already knows about does not need the faster option, so standard delivery keeps the cost down.
Can I use GreyTag instead of sending to a Moroccan bank?
Yes, when your recipient also holds a Grey account. GreyTag transfers are free and instant in any currency and need no RIB at all.
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