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Dirhams into a Moroccan account
Morocco is a bank account destination. The payout goes into an account at Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank or Société Générale Maroc, and it is identified by the 24 digit RIB rather than an IBAN of the kind you would use inside Europe.
Get that number right and the rest is ordinary. Grey converts your balance in Switzerland to MAD at the quoted rate, and the credit appears in Casablanca, Marrakech or Fès the way a domestic transfer does. There is a standard payout and a faster one, and you pick which before confirming.
Sending to Morocco in three steps
Sign up
A free account, a valid identity document and about five minutes. Swiss residence permits work as well as passports.
Fund
Fund in euros by SEPA from UBS, PostFinance, Raiffeisen or a cantonal bank. Grey holds no franc balance, so euros are what you convert from.
Send
Enter the 24 digit RIB, choose standard or instant delivery, check the dirham total and confirm.
The cost of a Morocco payment
Grey shows the conversion into MAD and the fee as two separate numbers before you approve the payment. The dirham amount is what your caretaker, your notary or your mother actually receives.
Choosing the faster payout costs more than the standard one, and that choice is made on screen by you rather than applied on your behalf.
The dirham amount is set when you send
Confirm in Geneva and the MAD figure is done. Any movement in the dirham before settlement in Morocco is carried by Grey rather than deducted from the payment.
For a monthly household amount, that is the difference between a fixed arrangement and a conversation about exchange rates every few weeks.
Grey against a bank transfer to Morocco
Swiss banks treat the dirham as a thin market and price it that way, then add a SWIFT fee and let a correspondent take its share. Cash agents are quick but expensive and someone has to collect in person. Grey converts once, at a quoted rate, straight into the Moroccan account.
On the Moroccan side
A dirham credit into the recipient's own account. Nothing to download, no counter to queue at, and no Grey account needed at the far end.
Bank payout
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc, addressed by RIB.
Standard or instant
Two delivery speeds to the same accounts. The faster option costs more and earns it when a deadline is close.
GreyTag
Between two Grey accounts the transfer is free and arrives in seconds.
Putting money on the balance
Morocco is paid from a funded balance, and in Switzerland that balance is in euros because the franc is not held.
SEPA from Switzerland
A euro transfer from your Swiss bank, arriving as a euro balance on Grey.
Rental or freelance income
Money already earned in euros or dollars pays the next Moroccan bill without a new deposit.
Kept topped up
A standing balance suits anyone with a property to run at a distance.
A house that needs a plumber on Tuesday is not helped by a transfer that starts clearing on Thursday.
Why Switzerland sends to Morocco
Property upkeep
Caretakers, gardeners, pool maintenance and utility bills on a riad in Marrakech or a house in Essaouira.
Buying and notary costs
Deposits, notary fees and registration costs on a Moroccan purchase, paid in dirhams to a local account.
Family support
The monthly amount to parents in Fès, Casablanca or Agadir, and help with a sibling's studies.
Renovation work
Builders, craftsmen and materials for work on a family house, invoiced and paid in dirhams.
Two groups share one corridor. Moroccan families settled in Zurich, Basel, Geneva and Lugano, and English speaking residents of Switzerland who bought a house in Marrakech or Essaouira and now run it from a thousand miles away.
Reasons to use Grey for Morocco
Distance makes small things expensive. A wage paid late, a bill paid short, a rate that changed between promise and payment: each one costs more in explanation than in money, and all three are avoidable.
Quoted in Geneva, settled in dirhams at Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank or Société Générale Maroc, and tracked throughout.
FAQs
What is the RIB?
The 24 digit number identifying a Moroccan bank account. Grey uses it to route the dirham payment to the right account.
Which banks in Casablanca or Fès can receive the dirhams?
Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank and Société Générale Maroc, each reached with the recipient's 24 digit RIB.
Is there a faster delivery option?
Yes. Morocco offers a standard payout and an instant one, priced differently, and you choose between them before confirming.
Which currency arrives in Morocco?
Moroccan dirhams. Your balance is converted in Switzerland, so the account in Casablanca or Marrakech is credited in local money.
Can I pay a caretaker or a builder directly?
Yes. Any Moroccan account reachable by RIB can be paid, which covers caretakers, craftsmen, notaries and utility providers.
Can I hold francs on Grey?
No. Swiss senders fund a euro balance by SEPA transfer from their bank and convert to dirhams at the point of payment.
Is the dirham amount fixed before sending?
Yes. The MAD figure is set at confirmation and does not change between Geneva and the credit in Morocco.
Does the recipient need anything from Grey?
No. The dirhams land in their own bank account, and there is no app to install or counter to visit.
Can I see the fee before I commit?
Yes. The fee and the EUR to MAD rate are shown as two separate numbers on the confirmation screen.
Is there a cost to opening the account before the first dirham transfer?
No. Opening is free and takes roughly five minutes with a valid identity document, whether you are in Geneva, Zurich or Lugano.
Can I use dollars for a Moroccan payment?
Yes. A USD account provided by Lead Bank converts into dirhams directly, without a euro conversion on the way.
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