Send Money from France to Morocco

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. Remitly and Paysend advertise no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Moroccan dirhams rather than the headline fee.

At €1,000, Remitly is the cheapest of the 3 providers priced at that amount on this corridor: about €6.49 all in, or 0.65% of the amount sent. Western Union is next at about €20.49. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Taptap Send, Paysend, WorldRemit and Orange Money can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are Orange Money, bank deposit, cash pickup, mobile wallet, home delivery, card payout and airtime top-up. The most widely used options in Morocco are cash pickup and bank deposit. Moroccan cash payouts are handled largely through post offices and bank branches, which keeps coverage broad. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Western Union, Ria Money Transfer, Taptap Send and WorldRemit offer cash pickup in Morocco, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, cash pickup and bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to MAD, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in France under the ACPR, the supervisor of the Banque de France, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Morocco is the best-served of the four Maghreb and West African corridors from France, and the only one where Wise publishes the dirham as a send currency at all. Even so Wise pays out to bank accounts only, and requires the recipient's 24-digit RIB rather than an IBAN. Payout runs largely through a small set of named cash networks, Wafacash, Cash Plus, Barid Cash and Al Barid Bank, so several providers reach the same physical counters and differ mainly on fee and rate rather than on reach. Wise notes that Al Barid, Attijariwafa, BMCE, BMCI, Credit du Maroc and Societe Generale Maroc may charge the recipient an incoming transfer fee of up to 20 dirhams, a cost that sits outside the sender's quote entirely. The dirham is not free-floating and is not simply pegged to the euro either — it tracks a basket that has been 60% euro and 40% US dollar since 2015, inside a ±5% band around a central reference rate. Because the euro carries the larger weight, a euro sender sees a steadier rate than a dollar sender would, but the dollar side of the basket still moves it: a swing in EUR/USD shows up in EUR/MAD even though nothing has changed in Morocco. That regime is due to change. Bank Al-Maghrib's governor has said Morocco intends to resume its shelved exchange-rate flexibilisation by 2026, gradually moving the dirham off the basket peg toward a market-determined rate; the plan was first announced in 2018 and suspended when COVID hit tourism revenue. The band has been widened twice already (to ±2.5% in January 2018, then ±5% in March 2020), each step pre-announced rather than sprung. If the next step lands, expect more day-to-day variation in what a fixed euro amount is worth in dirhams than this corridor has shown historically.