If you are traveling to Morocco, withdrawing cash is usually straightforward in major cities and tourist destinations. ATMs are widely available and most accept international bank cards such as Visa and Mastercard. The local currency is the Moroccan Dirham (MAD), and cash is often the preferred payment method, especially in markets, small restaurants, and rural areas.
Knowing where to find ATMs, the fees involved, and how to keep your money safe will help you avoid problems and enjoy a stress-free trip.
How to Withdraw Money in Morocco as a Traveler
In large cities like Marrakech, Fes, Casablanca, Rabat, and Tangier, ATMs are common and easy to find. They are usually located outside banks, in shopping malls, and in some hotels. In smaller towns and rural areas, ATMs are less frequent, so it is best to withdraw enough cash before leaving urban centers.
Using ATMs in Morocco
Banks and ATMs That Accept Visa and Mastercard
The following banks have good coverage and are reliable for foreign cards:
| Bank Name | Common in Major Cities | Accepts Visa | Accepts Mastercard |
|---|---|---|---|
| Attijariwafa Bank | Yes | Yes | Yes |
| BMCE Bank of Africa | Yes | Yes | Yes |
| Banque Populaire | Yes | Yes | Yes |
| CIH Bank | Yes | Yes | Yes |
| Crédit Agricole du Maroc | Yes | Yes | Yes |
Morocco ATM Fees and Cash Withdrawal Limits
ATM fees and limits can vary by bank. There are two possible fees: one from the Moroccan bank and one from your home bank.
| Bank in Morocco | Typical Local Fee per Withdrawal | Usual Daily Limit (MAD) |
|---|---|---|
| Attijariwafa Bank | 20–40 MAD | 2,000–3,000 |
| BMCE Bank of Africa | 20–40 MAD | 2,000–3,000 |
| Banque Populaire | 20–40 MAD | 2,000–3,000 |
| CIH Bank | 20–40 MAD | 2,000–3,000 |
Your home bank may also add an international transaction fee, which is often between 2% and 4% of the withdrawn amount.
Staying Safe When Using ATMs in Morocco
• Use ATMs located inside bank branches or in well-lit, busy places.
• Avoid ATMs that look damaged or have unusual devices attached.
• Take your cash and receipt quickly and store them discreetly.
Understanding the Moroccan Dirham (MAD)
Moroccan Currency Basics for Travelers
The Moroccan Dirham is abbreviated as MAD. It is a closed currency, meaning it cannot be legally taken in or out of Morocco in large amounts. You will need to exchange or withdraw money after you arrive.
| Note Denominations (MAD) | Coin Denominations (MAD) |
|---|---|
| 20, 50, 100, 200 | 1, 2, 5, 10 |
The currency features different colors and designs to help identify the value quickly. Coins are often used for taxis, tips, and small market purchases.
The exchange rate changes daily. As a general guide:
- 1 USD = around 9–10 MAD
- 1 EUR = around 10–11 MAD
- 1 GBP = around 12–13 MAD
Prices in Morocco are often quoted in dirhams only. Larger hotels, luxury shops, and some restaurants may accept credit cards, but in many places—especially souks, small cafés, and rural shops—cash is the only option.
Withdrawing Cash vs. Currency Exchange in Morocco
Withdrawing from an ATM is often the easiest and safest way to get Moroccan Dirhams. Currency exchange offices are available in airports, tourist areas, and cities.
| Method | Pros | Cons |
|---|---|---|
| ATM Withdrawal | Fast, available day and night, secure | Bank and card fees may apply |
| Currency Exchange Office | No card needed, fixed rates shown in advance | May need to carry large amounts of cash, risk of counterfeit notes |
Alternative Ways to Get Cash in Morocco
Withdrawing at Bank Counters
If your card does not work in an ATM, you can withdraw money inside a bank branch. You will need your passport and bank card. This process may take longer and sometimes costs more than using an ATM.
Using Credit Cards for Cash Advances in Morocco
Credit cards can be used for cash advances, but this should only be done in emergencies because fees and interest rates are high. Interest starts immediately, and some banks charge an additional service fee.
Morocco Travel Money Tips
How to Carry Cash Safely in Morocco
• Keep small bills for taxis, tips, and small purchases.
• Store larger amounts in a hotel safe or a money belt.
• Avoid counting cash in public.
Budgeting and Avoiding Extra ATM Fees in Morocco
• Withdraw larger amounts less often to reduce repeated fees.
• Plan ahead before traveling to rural or remote areas without ATMs.
• Keep track of expenses so you know when you need to withdraw again.
Final Advice for Travelers
Accessing cash in Morocco is simple if you know where to go and how to manage your withdrawals. Plan your cash needs before visiting smaller towns, use trusted bank ATMs, and keep a mix of small and large bills for convenience. By preparing in advance, you can avoid unnecessary fees, reduce stress, and focus on enjoying Morocco’s markets, historic sites, and warm hospitality.
FAQ
US dollars and euros are not commonly accepted for everyday purchases in Morocco. You may be able to use them in some hotels or tourist shops, but most places require Moroccan Dirhams. It is best to exchange your money or withdraw dirhams from an ATM.
Withdrawing money from an ATM is usually faster and more convenient, especially in cities. Currency exchange offices can be useful if you have cash in euros, US dollars, or British pounds, but rates vary. Always compare fees before deciding.
Credit cards are accepted in larger hotels, modern restaurants, and some shops. In souks, small cafés, and rural areas, cash is almost always required. Carrying small bills is recommended.
Yes. Most Moroccan ATMs accept Visa and Mastercard. Look for bank machines from Attijariwafa Bank, BMCE Bank of Africa, Banque Populaire, or CIH Bank for reliable service.
It depends on your spending plans. Since each withdrawal may have a fee, it is better to take out enough cash for several days. A common daily ATM limit is 2,000–3,000 MAD.
