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

Sending money from France to Morocco is one of the most common cross-border transfers in the world, whether you are supporting family, paying for a service or settling with a business partner. Coinepay supports remittance to Morocco from France, with the exchange rate and fees shown clearly before you confirm, and every transfer tracked from your dashboard. This guide walks through what you need, how each local payout method works, and what to do if something goes wrong.

You manage everything from the Coinepay 24/7 self-service dashboard or the mobile app. If you are new, create your Coinepay account first, then download the app for iOS or Android.

Before you start: what the sender needs

To send money to Morocco from France, you need a few things ready:

A verified Coinepay account. You must register and complete identity verification (KYC) before sending. Transfers are subject to identity verification, sanctions screening and local regulations, and Coinepay may ask for documents such as the purpose of the transfer or your source of funds.
The recipient's full legal name, spelled exactly as it appears on their bank account, wallet or ID. A name that does not match can cause a payout to be rejected.
The payout details for the method you choose (bank account, mobile wallet or cash pickup — see below).
The purpose of the transfer, which you may be asked to state during the flow.

The local currency in Morocco is the Moroccan dirham (MAD). Coinepay offers multi-currency support, and the amount your recipient receives in MAD is shown before you confirm.

Choose a payout method and gather the right details

Coinepay supports the common local payout methods used for Morocco. Pick the one that suits your recipient, then collect the matching information.

Bank account deposit

A Moroccan bank account can be identified by a 24-digit RIB/BBAN or a 28-character IBAN. For international payment instructions, the IBAN is generally the preferred identifier, while a provider paying out locally in MAD may instead ask for the RIB. The RIB contains a bank code, branch code, account number and a two-digit RIB key.

For a bank deposit you will typically need:

The recipient's full legal name as registered with the bank.
The IBAN (28 characters) or RIB (24 digits).
The beneficiary bank's SWIFT/BIC, which is 8 or 11 characters.
The recipient's and bank's address, if the flow requests them.

A separate local routing code such as an IFSC or US-style routing number is not part of the standard Morocco bank-transfer instruction — the account identifier plus SWIFT/BIC is what is used.

Mobile wallet

Where supported, you can pay out to a Moroccan mobile wallet. For example, Orange Money Morocco can receive transfers initiated from abroad, and the recipient needs an eligible, active wallet account. For wallet payouts you generally need the recipient's full legal name and the mobile number linked to their wallet, matching their registered identity. Confirm which wallets are available for Morocco in the app when you set up the transfer.

Cash pickup

Cash pickup lets your recipient collect the funds in person. You will need the recipient's full legal name exactly as on the government ID they will present. After the transfer is processed, share any reference or pickup code the app provides with your recipient, and tell them to bring valid photo ID to the payout location.

Step-by-step: send the transfer

Log in and open Global Remittance. Sign in to the Coinepay dashboard or app and start a new transfer.
Choose the destination and currency. Select Morocco as the destination and MAD as the payout currency, then pick your payout method — bank deposit, mobile wallet or cash pickup.
Enter the recipient and payout details. Add the recipient's full legal name and the details for your chosen method (IBAN or RIB and SWIFT/BIC for bank deposit, the wallet mobile number, or the pickup recipient name). Double-check every digit.
Review the exchange rate and fees. Coinepay shows the exchange rate and fees clearly before you confirm, along with the amount your recipient should receive in MAD. Review all of it carefully.
Provide the purpose and any documents requested. State the purpose of the transfer and upload any supporting documents if asked.
Confirm. Once you are satisfied the details are correct, confirm the transfer.
Track the status. Every transfer has status tracking. Follow it in the dashboard or app, and share the reference with your recipient so they know what to expect.

Receiving-side considerations in Morocco

Morocco's foreign-exchange rules expressly permit payments from abroad to residents by incoming bank transfer, and eligible foreign-currency or convertible-dirham accounts may also be credited by transfers from abroad. Moroccan banks are required to periodically report covered transactions to the Office des Changes — this is a bank obligation rather than something every recipient must file.

In some situations a Moroccan resident who acquires assets or funds held abroad may have to declare them to the Office des Changes within a set period, subject to regulatory exceptions; whether this applies to a particular incoming remittance depends on the circumstances. If your recipient is unsure, they should ask their own bank or a local adviser. Neither you nor Coinepay can advise on an individual's Moroccan tax or declaration position.

Troubleshooting

Wrong recipient details

An incorrect recipient name or account identifier can cause the receiving bank to reject and return the payment. Before confirming, verify the full legal name, the IBAN or RIB, and the SWIFT/BIC character by character. If you spot a mistake after sending, contact Coinepay support as soon as possible through the app.

Compliance review

Transfers are screened against sanctions lists and may be held for review. Coinepay does not serve sanctioned persons or jurisdictions under comprehensive sanctions. You may be asked to confirm the purpose of the transfer or your source of funds — responding promptly with accurate information helps your transfer continue. Never split a transfer, use a third party, or try to work around these checks.

Delays

Arrival can be affected by how quickly your funding clears, currency conversion, security or source-of-funds checks, the receiving bank's processing, and weekends or public holidays in France or Morocco. Use the status tracker to see where your transfer is before assuming there is a problem.

Returned transfers

A receiving bank can reject a payment — sometimes even when the details you entered are correct. Morocco's rules also allow banks to return certain incoming payments, such as mistaken or duplicate receipts and specified cancelled, unused transfers, subject to documentation and timing conditions. If a transfer is returned, check your dashboard for the status and reason, and contact Coinepay support for help with next steps.

Get help

If you have questions about a Morocco transfer, which payout methods are available, or a document request, reach out through the support page or our Telegram channel. You can also learn more about Coinepay services on our home page.

Some services are not available in every jurisdiction, and services related to virtual assets are not available to residents of mainland China. Fund and payout services are provided by licensed partner financial institutions.

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FAQ

What currency will my recipient in Morocco receive?

Payouts are made in Moroccan dirham (MAD). Coinepay shows the exchange rate, fees and the amount your recipient should receive before you confirm the transfer.

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

A Moroccan account can be identified by a 28-character IBAN or a 24-digit RIB/BBAN. The IBAN is generally preferred for international instructions, though a provider paying out locally in MAD may ask for the RIB. You will also need the bank's 8- or 11-character SWIFT/BIC.

Can I send to a mobile wallet in Morocco?

Where supported, you can pay out to a Moroccan mobile wallet such as Orange Money. The recipient needs an eligible, active wallet, and you provide their full legal name and the mobile number linked to it. Check the available wallets in the Coinepay app when setting up the transfer.

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

Fees, exchange rates and delivery times vary. Coinepay displays the rate and fees clearly before you confirm, and you can follow the transfer with status tracking in the dashboard or app.

Why might my transfer be held or returned?

Transfers are subject to identity verification, sanctions screening and local regulations, so some are held for review or a document request. A wrong name or account identifier, or a receiving-bank rejection, can also cause a return. Check the status and reason in your dashboard and contact support if needed.

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