Send Money from Germany 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. 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. TransferGo 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 bank deposit, cash pickup, mobile wallet, home delivery and card payout. 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 and TransferGo 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 Germany under BaFin, 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.

Cash payout in Morocco runs through a handful of named networks rather than one national one. Remitly's German corridor page names Attijariwafa Bank, Banque Populaire, Wafacash and Cash Plus among more than 30 partners, and Ria publishes more than 14,000 partner locations. Which network sits nearest your recipient often decides which service is practical, more than the fee does. Every service compared here quotes its fee at checkout rather than publishing a fee table for this corridor, so the figure you are quoted is the only one that binds. Compare the dirham amount that actually arrives rather than the advertised fee. Remitly's first-transfer rate is a welcome rate for new customers and not the rate a returning sender receives. Read the rate on the quote in front of you rather than the one advertised on the landing page. WorldRemit serves both Germany and Morocco but carries no row here: its German-market Morocco page could not be reached when this corridor was researched, on either address pattern tried. That is a gap in what we could check, not evidence the service is unavailable — check it directly if it is the one you use.