Morocco Payment Methods & Currency Exchange Guide

Last Updated: November 27, 2025

Morocco’s official currency is the Moroccan Dirham (MAD). Cash is widely used, but electronic payments are increasingly accepted in urban areas. Currency exchange and payment regulations are strictly enforced.

Official currency: Moroccan Dirham (MAD)
Payment methods: Cash is common; credit/debit cards (Visa, Mastercard) are accepted in hotels, large restaurants, and shops. Smaller vendors may only accept cash.
Contactless/mobile payments: Contactless card payments are available in major cities. Mobile wallets (Apple Pay, Google Pay) have limited acceptance; Alipay is rarely supported.
ATMs: Widely available in cities and tourist areas. Most accept international cards, but some rural areas may lack ATM access.
Currency exchange: Available at banks, official exchange offices (bureaux de change), and airports. Exchange rates and fees may vary.
Foreign currency restrictions: Import/export of Moroccan Dirham is limited to MAD 2,000. Amounts above this must be declared. For foreign currency, amounts over USD 10,000 (or equivalent) must be declared to customs.
Transaction fees: Foreign card transactions may incur a 2–3% surcharge. ATM withdrawals may include additional fees from both local and home banks.
Major banks: Attijariwafa Bank, Banque Populaire, BMCE Bank, CIH Bank.
Traveler advisories: Always keep receipts for currency exchanges. Avoid street money changers due to risk of fraud.

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