Coinepay | How to Send Money to Morocco from Spain with Coinepay

You can send money from Spain to Morocco with Coinepay Global Remittance. Before starting, ask your recipient how they want to receive the money: in a Moroccan bank account, a supported mobile wallet or through cash pickup. The details you need depend on that choice. This guide explains how to prepare them, review the transfer and handle common problems.

What you need before sending

Sign in to your Coinepay account and complete any identity verification requested for the transfer. You can manage a transfer in the 24/7 self-service dashboard or the Coinepay mobile app. Have your own accurate personal details ready, along with the recipient’s full legal name as it appears on their bank account, wallet registration or identity document. An abbreviation or spelling difference can cause a payout to be held or rejected.

Ask the recipient to confirm their preferred payout method and its exact details before you enter them. For a bank deposit, that usually means an account identifier and the bank’s name; the transfer form may also ask for the bank’s SWIFT/BIC. For a wallet payout, you will need the details requested for the wallet shown in Coinepay, typically the recipient’s registered mobile number and name. For cash pickup, confirm the recipient’s name matches the identification they will present and check the pickup instructions shown for the selected location.

Morocco’s local currency is the Moroccan dirham (MAD). Choose the available destination and payout currency in Coinepay, and check what the recipient is expected to receive before you confirm. If the receiving account is a foreign-currency or convertible-dirham account rather than an ordinary dirham account, ask the recipient to check with their bank that it is eligible to receive the intended transfer.

Choose a payout method in Morocco

Bank account deposit

Choose bank deposit if the recipient wants the transfer paid into their Moroccan account. The commonly used domestic account identifier is the 24-digit RIB, which includes bank and branch information. A Moroccan IBAN has 28 characters: the letters MA, two check digits and the 24-digit RIB. Ask the recipient for the identifier required by the payout form rather than converting one yourself. Copy it from information supplied by the receiving bank and check every character.

If the form requests a SWIFT/BIC, obtain it from the recipient or their bank. A SWIFT/BIC is typically eight or eleven characters. A separate local bank or branch code is generally unnecessary when that information is already contained in the RIB or IBAN; follow the fields displayed for your transfer rather than adding a code the form does not request. Enter the recipient’s full name exactly as recorded by the bank. If you are unsure which identifier or bank details to use, have the recipient ask their bank before sending.

Mobile wallet

A mobile wallet payout sends funds to an eligible wallet rather than to a bank account. Select Morocco and check the wallet providers actually displayed in Coinepay for your transfer; the choices can depend on the payout route. The recipient should confirm that they have an active wallet with the selected provider, that the mobile number is the one registered to it, and that their registered name matches the name you enter. Ask them to check with their wallet provider how they can use or withdraw an incoming transfer. Do not select a provider simply because the recipient has a phone number: the number must belong to the appropriate wallet.

Cash pickup

Choose cash pickup if the recipient prefers to collect the payout in person and an appropriate pickup option appears for the transfer. Enter the recipient’s name as shown on their valid identification and review the displayed pickup location or network information. After sending, share the pickup instructions and any reference the recipient is told to present through a private channel. Cash-pickup providers commonly ask for a government-issued ID, such as a passport or residency card, and may ask for the sender’s name, expected amount and tracking reference. The recipient should follow the specific instructions for the selected payout partner and check that they can reach its location.

How to send money from Spain to Morocco

Open Global Remittance. Sign in to the Coinepay dashboard or mobile app, start a new transfer and complete any identity-verification prompts.
Set the route and amount. Select Spain as the sending country and Morocco as the destination. Enter the amount and choose from the currencies and payout methods offered for that transfer. Check whether the recipient will receive MAD.
Enter recipient details. Use the recipient’s full legal name and the fields for your chosen payout method: bank account details, a registered mobile wallet or cash-pickup information. Check the RIB or IBAN carefully if you choose bank deposit.
Review before confirming. Coinepay shows the exchange rate and fees before you confirm. Check the recipient’s details, payout method, currency and amount to be received, as well as any information requested about the transfer’s purpose. If something is wrong, correct it before proceeding.
Confirm and track. Follow the displayed steps to confirm the transfer. Keep its reference and use the transfer’s status tracking in Coinepay to see whether it needs action or has reached the payout stage. Give the recipient only the information needed to receive it.

Use your real identity and accurate recipient details throughout. Transfers are subject to identity verification, sanctions screening and applicable local regulations. Coinepay may request supporting documents, including information about the purpose of the payment or the source of funds. Respond through the instructions provided for your transfer; do not ask someone else to send or receive it on your behalf to avoid a review.

What the recipient should check in Morocco

For a bank deposit, the recipient should confirm with their bank which account identifier it accepts for an incoming payment, whether a SWIFT/BIC is needed and how the bank will handle the incoming currency. For a wallet, they should confirm that their registration is active and that the number and name you used are correct. For cash pickup, they should bring the identification and transfer information required by the selected provider. Receiving-bank or payout-provider checks may also affect when funds become available.

Morocco has exchange-control rules for some types of incoming funds. An ordinary family transfer should not be confused with a payment for exported services. For example, rules effective in 2026 address how Moroccan residents exporting services repatriate their business proceeds; they are not a general deadline for family remittances. If you are paying a Moroccan business or sending proceeds for services, describe the transaction accurately and ask the recipient to check any documentation or account requirements that apply to them.

Troubleshooting a transfer

Wrong name or payout details: Check the transfer status immediately. A mistyped RIB, an incorrect account number or a name that differs from the receiving account can lead to rejection or return. In particular, check that a Moroccan RIB contains 24 digits, or that an IBAN has the full 28 characters. If you have already confirmed the transfer, contact Coinepay support with the transfer reference; do not assume you can edit details after submission.
Compliance review: Follow any request for identity, source-of-funds or payment-purpose documents. Provide accurate information and allow the review to proceed. Support can help you understand what action is requested, but a review does not mean a payout has been approved.
Transfer taking longer than expected: Check the status before sending another payment. Funding, conversion, security checks, receiving-bank processing, weekends or public holidays can affect progress. If the status is unclear or asks for action you cannot complete, contact support with the reference.
Returned transfer: Check the status and any reason provided. Ask the recipient to verify their bank, wallet or pickup details before starting a new transfer, and contact support if you need help understanding what happened to the original one.

Coinepay can send transfers to Morocco from Spain, but each transfer remains subject to screening and local requirements. Coinepay does not serve sanctioned persons or residents of jurisdictions under comprehensive sanctions. Always review the details shown in the app before confirming and use support if the available payout instructions do not match the details your recipient can provide.

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FAQ

Do I need a RIB or an IBAN to send to a Moroccan bank account?

Use whichever identifier the Coinepay transfer form requests. A Moroccan RIB has 24 digits; a Moroccan IBAN has 28 characters and begins with MA. Ask the recipient to confirm it with their bank.

Does the recipient need a SWIFT/BIC?

If the bank-deposit form asks for one, get the recipient bank’s SWIFT/BIC from the recipient or their bank. Do not add a separate local code unless the form requests it.

Can the recipient collect cash instead of using a bank account?

Yes, if cash pickup is offered for your selected transfer. The recipient should follow the displayed pickup instructions and bring the identification and reference required by the payout provider.

What if I entered the wrong Moroccan account number?

Check the transfer status and contact Coinepay support promptly with the transfer reference. An incorrect RIB or account number can cause a rejection or return; do not assume submitted details can be changed.

How to Send Money to Morocco from Spain with Coinepay