How to send money to Morocco from the US

Fees, speed, and trust — a comparison of the main remittance paths from the US diaspora to Morocco, plus bank-account tips.

Sending money home is still one of the most common reasons Moroccans abroad open a second-tier account.

**Wise / Remitly** — lowest fees (~0.5–1% all-in), arrival within a day to most Moroccan bank accounts. Best choice for digital-first users.
**Western Union / MoneyGram** — still the most common for older generations. Cash pickup at Morocco Post offices nationwide; higher fees (~3–5%).
**Bank-to-bank (SWIFT)** — usually the slowest and most expensive; worth it only for large one-off transfers.
**Attijariwafa / BMCE MRE accounts** — if you plan to send regularly, opening a Moroccans-Residing-Abroad (MRE) account lets you maintain dirham savings, invest in Moroccan bonds, and get preferential rates.

**Exchange rate spread** — the stated fee is only half the cost; compare the MAD per USD you actually receive.
**Identity verification** — Moroccan receivers need their CNIE (national ID). Make sure the name on both sides matches exactly.
**Regulatory windows** — receiving large amounts (> 100,000 MAD) may trigger a bank-side documentation request.