Send Money from the USA 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 4 providers we hold checked figures for. Taptap Send and WorldRemit 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 4 providers priced at that amount on this corridor: about $10.20 all in, or 1.02% of the amount sent. Western Union is next at about $12.09. 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. Paysend and WorldRemit 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, 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, Sendwave, Taptap Send, WorldRemit, Xoom and Xe Money Transfer 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 USD 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 the USA under FinCEN and state money-transmitter licences, 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 pickup dominates this corridor and runs through three networks - Wafacash, CashPlus and Barid Cash - which Taptap Send, Xoom, Remitly and Western Union all resell. Free bank delivery is available at both ends: Remitly charges $0 for bank deposit and mobile wallet every time, and Taptap Send charges nothing on bank transfers. Taptap Send publishes tight caps: cash pickup 50 to 80,000 MAD via CashPlus or Barid Cash, 10 to 50,000 MAD via Wafacash, bank transfers 10 to 20,000 MAD, and Orange Money 100 to 1,000 MAD (read October 2026). Western Union caps bank-to-bank transfers at 25,000 USD, cash pickup at $5,000 and mobile wallet payouts at $2,500. Taptap Send cash pickup requires the recipient's full name to match their ID exactly, plus a phone number. Wise's Morocco page shows a cost comparison without stating the amount it applies to, so its figures cannot be compared like-for-like with the flat fees published elsewhere on this corridor. The dirham is not a free-floating currency and it is not pegged to the dollar 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. The practical consequence for a US sender is counter-intuitive: most of what moves your USD-to-MAD rate is what the euro is doing against the dollar, not anything happening in Morocco. A strong dollar against the euro means more dirhams for the same transfer, and vice versa. 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) and each step was pre-announced rather than sprung. If the next step lands, expect more day-to-day variation in what a fixed dollar amount is worth in dirhams than this corridor has shown historically. Revolut's US list of supported currencies for outgoing transfers does not include MAD, and Revolut publishes no US page for Morocco. A transfer from a US Revolut account goes by SWIFT, where intermediary banks may deduct charges, and Revolut's US pages do not confirm this route specifically, so check it in the app before relying on it (October 2026).