Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
Naira to dirhams, paid by RIB
Moroccan institutions and suppliers work from the RIB, the 24-digit account identifier that sits at the bottom of every invoice and enrolment letter. Get it right and the dirhams credit cleanly. Get one digit wrong and the payment comes back.
Grey converts your balance to MAD in a single step and pays Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank or Societe Generale Maroc against that RIB. Standard delivery typically arrives within minutes from a funded balance, and an instant option is available when a deadline is closer than that.
How a dirham transfer works
Sign up
Open the account with your NIN slip, BVN or international passport and a selfie. Verification in Nigeria normally takes a few minutes.
Fund
Transfer naira to Grey from Access Bank, UBA, Zenith Bank or Kuda. A balance already held in dollars or euros can pay the Moroccan side without a naira conversion.
Send
Enter the 24-digit RIB, choose standard or instant delivery, and confirm the dirham amount and the fee before the payment leaves.
The real cost of dirhams from Nigeria
Grey puts the NGN to MAD rate and the fee side by side before the transfer is authorised, so nothing about the cost is deferred until after the dirhams have landed.
The useful comparison is the dirham figure delivered for a given amount of naira. That number is on screen before you commit, and it is the one the Moroccan bank will credit.
The dirham amount is set when you confirm
Grey holds the NGN to MAD rate from the moment you confirm through to settlement, whether you chose standard or instant delivery.
So a parent in Nigeria can name the exact dirham figure a student in Rabat will see, and a buyer can promise a Casablanca supplier the full invoice amount.
Local dirham delivery against an international wire
A wire from a Nigerian bank to Morocco converts through dollars or euros and can sit for days while documentation is checked at the receiving end. Grey pays dirhams into the Moroccan account directly, so a student registering for a semester is not waiting on a correspondent bank to release funds.
What your recipient in Morocco sees
A dirham credit on a Moroccan bank statement, indistinguishable from a domestic transfer. Nothing for them to install and no Grey account required.
Paid by RIB
MAD into Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank or Societe Generale Maroc.
Standard or instant
Choose the delivery speed per transfer depending on how close the deadline is.
GreyTag between users
If the recipient holds Grey, the transfer is free and settles instantly.
What to check before sending
The full 24-digit RIB and the account holder name as the Moroccan bank records it. Copy the RIB from the invoice or the enrolment letter rather than typing it from a message.
Naira funding
A transfer from your Nigerian bank into Grey, usually reflected in minutes.
Currency on hand
Dollars, euros or pounds already on Grey can settle the dirham payment directly.
Saved RIBs
Store the university and the student account once and reuse them all year.
After the first transfer, paying Rabat or Casablanca from Lagos, Abuja or Port Harcourt is a matter of picking a saved recipient.
What Nigerians send to Morocco for
Enrolment and tuition
Enrolment and tuition at Moroccan universities and business schools in Rabat, Casablanca and Fez.
Student living costs
Rent, transport and monthly allowances for Nigerian students through the academic year.
Trade payments
Invoices to Moroccan suppliers of fertiliser, textiles, tiles and processed foods.
Services and agents
Fees to education agents, letting agents and consultants working between Morocco and Nigeria.
Study accounts for most of this route, with North African trade behind it and a steady line of professional and family payments alongside.
Why Grey works on the Morocco route
FAQs
Which currency does Morocco receive?
Moroccan dirhams. Grey converts your Nigerian balance to MAD and pays it into a Moroccan bank account as a local credit.
What is a RIB and do I need one?
The RIB is the 24-digit Moroccan account identifier. You need it to send, and it appears on invoices and university enrolment letters.
Which Moroccan banks can my fertiliser or tile supplier be paid at?
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Societe Generale Maroc. The 24-digit RIB on the invoice identifies both bank and account.
Is instant delivery worth it when a Moroccan deadline is close?
Instant is the faster option and is priced separately. Standard delivery typically arrives within minutes from a funded balance, into the same Moroccan accounts.
Can I pay Moroccan university fees from Nigeria?
Yes. Use the RIB on the enrolment letter, confirm the dirham total, and the fees settle as a domestic Moroccan credit.
How do I move naira onto Grey for a dirham payment?
Send naira from GTBank, First Bank, Access Bank, Zenith Bank, UBA or Kuda to your Grey balance, and convert to dirhams on the deadline day.
Does a Moroccan university need a Grey account to receive tuition?
No. The dirhams credit the institution’s account against its RIB, exactly as a local Moroccan payment would, with no registration at their end.
Is the dirham amount fixed before I send?
Yes. The NGN to MAD rate is locked at confirmation, so the dirham figure quoted is the figure credited.
How quickly does standard delivery arrive?
Standard transfers sent from a funded Grey balance typically arrive within minutes, into the Moroccan account named by the RIB.
Can I pay a Moroccan supplier rather than a student?
Yes. Enter the supplier RIB from the invoice and settle in dirhams, with the rate and fee visible before you confirm.
What do I need to open the account in Nigeria?
A valid identity document such as a NIN slip, BVN or international passport, plus a selfie. Opening it is free.
Get digital banking
at your fingertips
