Send money to Morocco from the United States
Grey sends money from the US to Morocco directly to major Moroccan bank accounts. The live USD to MAD rate and total fee are shown before you confirm. Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank, and Société Générale Maroc are all supported. Withdrawal fee is $2.00 standard or $3.00 for instant transfer. Grey is a licensed financial services provider, regulated by FinCEN.
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Send money to Morocco, straight to any bank account
When you send money to Morocco through Grey, the transfer goes directly into your recipient's bank account in Moroccan dirhams. Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank, and Société Générale Maroc are all supported. Enter the account details, confirm the rate and fee, and send.
Your recipient does not need a Grey account. The dirhams arrive in their banking app without a branch visit or an agent. Standard transfers arrive within minutes. Instant transfers are also available at a slightly higher withdrawal fee.
The total cost of a transfer is the fee and the exchange rate together. Some services advertise zero fees but mark up the rate. On a $1,000 transfer, a 2% rate markup costs more than a $20 fee. Grey shows both numbers on the same screen before you tap Send.
How to send money to Morocco from the United States
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid US government-issued ID. Grey Inc is regulated by FinCEN.
Fund
Add money from your US bank account via ACH transfer or wire, or send directly from your existing Grey balance.
Send
Enter your recipient's Moroccan bank account number (RIB). Confirm the live USD to MAD rate and your preferred transfer speed. Send. Standard transfers typically arrive within minutes.
How much does it cost to send money to Morocco
Every transfer from the US to Morocco involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee.
The exchange rate is usually the bigger factor on larger transfers. On a USD 500 transfer, a 1% rate difference changes the dirham amount your recipient receives by roughly 50 MAD. A provider advertising no fee but applying a 2% rate markup costs more than one charging USD 5 with a rate close to the mid-market.
Grey shows the fee and the exchange rate separately before you tap Send. The dirhams amount your recipient will receive is on screen before you confirm. The rate shown is the rate applied. There are no adjustments after the fact.
How exchange rates work: USD to MAD
The USD to MAD exchange rate determines how many dirhams your recipient receives. On a USD 400 transfer, a 1% difference in the rate changes the dirham amount by roughly 10 MAD. On monthly transfers, that gap compounds over time.
Grey shows the live USD to MAD rate before you confirm. The rate on screen is the rate applied. No adjustments after you send.
Grey offers two delivery speeds: standard at $2.00 and instant at $3.00 per transfer. Both show the full cost alongside the exchange rate before you commit.
How fast is each provider?
Grey delivers to Moroccan bank accounts within minutes from a funded balance. Wise typically settles in 1-2 business days. Western Union offers agent pickup and cash delivery but at a higher total cost. Bank wires are the most expensive option for most transfer amounts.
What your recipient sees in Morocco
Your recipient does not need a Grey account. The dirhams arrive in their Moroccan bank account as a standard credit. It appears the same way any domestic transfer would.
Bank account delivery
Grey sends to major Moroccan banks including Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank, and Société Générale Maroc. Enter the 24-digit RIB number in the Grey app. Standard withdrawal fee: $2.00. Instant: $3.00.
Standard vs instant delivery
Choose standard delivery at $2.00 or instant at $3.00. Both arrive to the same Moroccan bank accounts. The choice depends on how urgently your recipient needs the funds.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
Ways to fund your transfer
Whether you are transferring money to Morocco for the first time or the fiftieth, Grey gives you three funding options
ACH transfer
Link your US bank account and fund via ACH. It is typically the lowest-cost deposit method. ACH transfers take 1-2 business days to reach your Grey balance. Fee: 0.8% of the deposit amount, minimum $2.
Wire transfer
Fund via domestic wire from your US bank. Grey receives wire funds the same day. Your bank may charge its own wire fee separately.
Grey balance
If you already hold USD in your Grey balance, you can send without waiting for a deposit to clear. Fund your balance in advance and transfers go out immediately.
Which option is cheapest? Grey displays the fee for each funding method before you confirm, so you can compare and choose. There is no penalty for switching between them.
Send money to Morocco for every reason that matters
Family support
A Moroccan professional in New York covering his parents' monthly expenses in Casablanca. A worker in Los Angeles sending money to family in Marrakech. A student's family in Texas supporting siblings in Fez. On a recurring USD 400 transfer, a 1% rate gap costs nearly USD 50 a year.
Housing and property
Paying a mortgage on an apartment in Rabat from a salary in the US. Contributing to a family property in Agadir. Covering maintenance on a home in Tangier while working abroad. On larger amounts, the exchange rate matters more than the withdrawal fee.
Education
A parent in San Francisco covering university fees in Casablanca. A family in New Jersey sending monthly allowance to a student in Rabat. Regular, predictable transfers where cost and delivery speed both matter.
Business payments
A US company paying a Moroccan supplier or contractor in dirhams. A client settling invoices with an agency in Casablanca. Grey supports payments to Moroccan bank accounts without requiring a separate business account.
Your reasons may be different, but the need is the same: the money has to get there, the cost has to be clear, and the app has to work the same way it did last month. Do it all on Grey, with the rate and fee shown before every transfer.
Best way to send money to Morocco from the United States
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money to Morocco from the US?
Transfers from a funded Grey balance typically arrive within minutes. If funding via ACH, allow 1-2 business days for the deposit to reach your Grey account first.
What is the fee for sending money to Morocco from the US?
Grey charges a 1% conversion fee on USD to MAD transfers, uncapped. The bank withdrawal fee is $2.00 standard or $3.00 instant. The ACH deposit fee is 0.8% of the deposit amount, minimum $2. All fees are shown before you confirm.
Which Morocco banks or wallets does Grey support?
Grey supports transfers to Attijariwafa Bank, Banque Populaire, BMCE Bank of Africa, CIH Bank, and Societe Generale Maroc. Enter the account or wallet details in the Grey app.
What is the USD to MAD exchange rate today?
The live USD to MAD rate is shown inside the Grey app before you confirm. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
Does my recipient need a Grey account to receive money in Morocco?
No. Your recipient does not need a Grey account. The funds arrive as a standard credit, the same way any domestic Morocco transfer would appear.
Is Grey safe for sending money to Morocco?
Grey Inc is registered with FinCEN, the US financial intelligence and regulatory agency. Grey is a licensed financial services provider, not a bank, regulated under US financial regulations.
How much can I send to Morocco from the US?
The daily limit is $10,000 and the monthly limit is $30,000. Per-transaction limits vary. All limits are shown in the Grey app before you send.
Is it cheaper to send money to Morocco with Grey or a bank wire?
Significantly cheaper in most cases. US bank wires typically cost $25-45 in visible fees plus an unfavourable exchange rate. Grey charges a 1% conversion fee, uncapped and a flat withdrawal fee, both shown before you confirm.
Can I send money to Morocco from a Grey balance?
Yes. If you hold USD in your Grey balance, you can send without waiting for a bank deposit to clear. Transfers from a funded Grey balance typically begin within seconds.
What currencies does Grey support for Morocco transfers?
Grey supports USD to MAD transfers for Morocco. The conversion happens automatically at the live rate shown in the app before you confirm.
What happens if my transfer to Morocco is delayed?
Most transfers from a funded Grey balance arrive within minutes. If your transfer is taking longer, check the transaction status in the Grey app. Contact Grey support if the delay exceeds 24 hours.
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