Send money to Morocco from Spain
Morocco is, together with Colombia, the largest remittance corridor from Spain. The recipient receives dirhams (MAD), a currency that does not circulate outside the country, so the exchange always happens on the transfer and the money is collected inside Morocco.
Moroccans are the largest foreign community in Spain and one of the longest-established, with a strong presence in Catalonia, Andalusia, Murcia and Madrid. Geographic proximity means many families live across both countries, and remittances are a pillar of Morocco's economy: around 8% of its GDP.
Options for sending money to Morocco
In cash, from an agent location
The most used method: you bring cash to an agent (Western Union, Ria, MoneyGram), provide the recipient's details, and within minutes it is available for collection in Morocco. Spain has thousands of agents, many in call shops and neighbourhood stores:
With an app or online service
Services such as Wise, Remitly, WorldRemit or the Western Union and Ria apps let you send from your phone by card or bank transfer. They tend to offer good exchange rates and first-transfer promotions, and the recipient can receive to an account or collect cash in Morocco.
International bank transfer
An international transfer from your bank is usually the most expensive and slowest option to Morocco (issuing fees, correspondent fees and exchange margin). For this corridor an agent or a specialised app is almost always better value.
How the recipient gets the money in Morocco
Cash collection is very common: networks such as Wafacash or Cash Plus and bank branches such as Attijariwafa Bank or Banque Populaire pay out Western Union, Ria and MoneyGram transfers across the country, including small towns. Deposit to a Moroccan bank account is also available.
Tip: The dirham is a managed currency: the EUR→MAD rate varies little between operators, so the cost difference is usually in the fixed fee. For small amounts compare the fee; for larger amounts also check the applied exchange rate.
What you need to send
To send money you need a valid ID (passport, DNI or NIE) and the recipient's details. To collect money you will also be asked for the transaction number (MTCN / PIN). The amount is paid out in cash at the agent location.
How much it costs to send money
The real cost has two parts: the transfer fee and the margin on the exchange rate. Combined, the total cost typically sits between 2% and 6% of the amount, although it varies by operator, amount and payment method. Always compare how much the recipient will get in their currency, not just the advertised fee.
Frequently asked questions about sending money to Morocco
How long does money take to arrive in Morocco?
Cash transfers are available within minutes at any payout point in Morocco. Bank account deposits can take 1-2 business days.
In which currency is money collected in Morocco?
In Moroccan dirhams (MAD). Collecting in euros is not possible: conversion always happens when sending or paying out, depending on the operator.
What does the recipient need to collect money in Morocco?
A valid national ID (CIN) or passport and the transaction code (MTCN or PIN). Some payout points may also ask for the exact expected amount.