Coinepay | How to Send Money to Morocco: Step-by-Step Guide

Coinepay Global Remittance lets you send cross-border transfers to Morocco from your verified account, with bank deposit, mobile wallet and cash pickup payouts available depending on the route. This guide walks through what you need before you start, how to complete a transfer in the app or dashboard, and what to do if something goes wrong. The exact exchange rate and any fees are always shown clearly before you confirm, so you can review the full cost up front.

Before you start

To send money with Coinepay you need to:

Register and complete identity verification (KYC). You can set up an account at the Coinepay registration page and manage everything from the iOS app or Android app, available 24/7.
Use your own real identity and details. Every transfer is subject to identity verification, sanctions screening and local regulations. Coinepay may ask for supporting documents, such as the purpose of the transfer or the source of funds.
Have the recipient's correct payout details ready in their full legal name, exactly as it appears on their bank account or ID.

Coinepay screens all customers and counterparties against sanctions lists and does not serve sanctioned persons or residents of jurisdictions under comprehensive sanctions. Morocco is a supported destination.

Morocco's currency and payout methods

Morocco's local currency is the Moroccan dirham (MAD). When you send money to Morocco, you can typically choose one of the following payout methods. Availability depends on the route, so check what is offered in the app when you set up the transfer.

Bank account deposit

Funds are paid into the recipient's Moroccan bank account. For a Moroccan bank deposit you will generally need:

The recipient's full account name, matching the bank's records.
The recipient's Moroccan IBAN (28 characters: MA, two check digits, then the 24-digit RIB) or the 24-digit RIB, the local domestic account identifier.
The receiving bank's SWIFT/BIC for an international bank payment.
Sometimes the recipient's address and payment purpose, which the bank may request.

The RIB already contains the local bank and branch identifiers, so a separate routing-style code is not normally part of a Moroccan bank payment. Some services ask only for the full name and 24-digit RIB for a MAD bank deposit rather than the full IBAN, so enter exactly the fields the Coinepay app requests. Moroccan banks commonly used for deposits include Attijariwafa Bank, Bank of Africa, Banque Populaire, Al Barid Bank and CIH Bank.

Mobile wallet

On supported routes, you can pay out to a Moroccan mobile wallet such as Orange Money. For a wallet payout you will usually need the recipient's full name and the mobile number registered to the wallet. Wallet eligibility and availability depend on the sending route, so confirm it is offered before you confirm the transfer.

Cash pickup

Cash pickup lets the recipient collect funds at a local agent. Networks in Morocco include providers such as Wafacash and Cash Plus, as well as Western Union agents. To collect, the recipient typically presents valid identification and the transfer reference details you share with them. Make sure the name you enter exactly matches the ID the recipient will present, or the payout can be refused.

Step-by-step: sending the transfer

Open Coinepay and start a new transfer. Log in to the mobile app or the self-service dashboard and choose the Global Remittance option to send money.
Choose Morocco as the destination and select the currency. Pick MAD for a local payout, or another supported currency if offered for the route.
Select the payout method. Choose bank deposit, mobile wallet or cash pickup based on what the recipient can receive.
Enter the recipient's details. Add the full legal name and the payout details for the method you chose — IBAN or RIB and SWIFT/BIC for a bank deposit, the registered mobile number for a wallet, or the recipient's name as it appears on their ID for cash pickup. Double-check every digit.
Review the exchange rate and fees. Coinepay shows the rate and any fees clearly before you confirm, so you can see what the recipient will get. Review the full breakdown.
Provide any requested information. You may be asked for the purpose of the transfer or source of funds as part of compliance checks.
Confirm and fund the transfer. Once you confirm, the transfer is submitted for processing.
Track the status. Every transfer has status tracking in the app and dashboard. For cash pickup, share the reference details with your recipient so they can collect.

Recipient-side considerations

Incoming transfers to Morocco are received in dirham for most local payouts. Moroccan foreign-exchange rules permit payments to residents by incoming transfer, and banks periodically report covered transactions to the Office des Changes as part of normal oversight. Your recipient does not usually need to do anything beyond having a valid account, wallet or ID, but local banks apply their own processing and may contact the recipient for information in some cases. If your recipient has questions about declarations tied to their own circumstances, they should check with their bank or the Office des Changes, as rules vary by situation.

Troubleshooting

Wrong or incomplete recipient details

Incorrect or incomplete names, account identifiers or other payment details are the most common cause of problems. They can delay a transfer or cause the receiving bank to return it. Verify the full legal name, the IBAN or 24-digit RIB and the SWIFT/BIC before you confirm. If you spot an error after sending, contact Coinepay support as soon as possible.

Compliance review

Transfers may be held for identity verification, sanctions screening or a request for more information, such as the purpose or source of funds. Respond promptly with the documents requested so your transfer can continue. Providing accurate information up front reduces the chance of a hold.

Delays

Besides verification, arrival can be affected by weekends and bank holidays, the time it takes to fund the transfer, and the receiving bank or agent's own processing. Use the status tracker to see where your transfer is before raising a query.

Returned or rejected transfers

A payout can be returned if the account details do not match, if the account cannot receive the payout currency, or if cash-pickup identification checks are not met. If a transfer is returned, check the details in your Coinepay dashboard and contact support to correct them and resend.

Get help

If you are unsure which payout method to use or what details Morocco requires, reach out through the support page or the Coinepay Telegram channel. You can learn more about Coinepay's services on the main site. Services are subject to local availability and regulations.

Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support

FAQ

What details do I need to send money to a Moroccan bank account?

You need the recipient's full account name and either their Moroccan IBAN (28 characters starting with MA) or their 24-digit RIB, plus the receiving bank's SWIFT/BIC for an international payment. The bank may also request the recipient's address and the payment purpose. Enter exactly the fields the Coinepay app requests.

Which payout methods can I use to send money to Morocco?

Depending on the route, you can choose bank deposit to a Moroccan account, a mobile wallet such as Orange Money, or cash pickup at agents like Wafacash, Cash Plus or Western Union. The app shows which options are available when you set up the transfer.

How much will the transfer cost and how long will it take?

Coinepay shows the exact exchange rate and any fees clearly before you confirm, so you can review the full cost first. Delivery depends on the payout method, bank holidays and compliance checks; you can follow progress with the status tracker in the app.

Why might my transfer to Morocco be delayed or returned?

Common causes include incorrect or incomplete recipient names or account details, a compliance review or request for more information, weekends and bank holidays, or a payout currency the account cannot receive. Double-check details before sending and respond quickly to any document requests.

Do I need to verify my identity to send money to Morocco?

Yes. You must register and complete KYC before using Coinepay's services. Every transfer is also subject to sanctions screening and local regulations, and Coinepay may ask for documents such as the purpose of the transfer or source of funds.

How to Send Money to Morocco: Step-by-Step Guide