Send Money from the USA to Morocco: What It Really Costs in 2026
On a transfer to Morocco, the service you pick decides more of what arrives than anything else you control. The exchange rate is set off a euro-heavy basket that no one can usefully second-guess, while the gap between the cheapest app and the dearest is something you can see before you send.
Where to Start
Pay from your US bank account through a money transfer app, have the money deposited to a Moroccan bank account if your family has one, and choose the app on what arrives at your own amount. At $500 into a Moroccan bank account, Taptap Send has the lowest standing price, about $5.04 all-in, with Revolut at about $6.01 and Remitly at about $6.56 next. Taptap Send holds the cheapest standing price in our current data at every amount we priced, from $200 to $5,000.
This is not small change. On a $1,000 transfer, the cheapest and the most expensive standing prices in our current data are $28.34 apart, for the same money going to the same place.
One habit is worth checking before you rely on it: picking whichever app advertises the mid-market rate. In our current data that describes Wise, which converts within a fifth of a percent of mid-market and charges for the transfer in the fee. Why a clean rate and a cheap transfer are different things on this route is explained under Where the Fine Print Bites.
The dirham is managed against a basket that is mostly euro, so for someone sending dollars the rate moves with the euro against the dollar, and with any drift of the dirham inside its band. Those moves have run to several percent within a few months this year, and nobody can tell you which way the next one goes, so don't hold a transfer back for a better rate.
The Live Dirham Board
Compare Money Transfer Services
Sending 1,000.00 USD → MAD from the US · Estimated typical cost · bank deposit, bank-funded
Showing 11 of 17 services we can price for USD → MAD
Estimates only, not live quotes. "Recipient Gets" is for a bank deposit funded from a bank account, on today's mid-market rate: for a "provider quote", minus the rate markup and fee from that provider's own recent quote; for an estimate, minus the provider's typical markup and fee. Rows are ranked by total cost, the fee plus the rate markup, so a fee charged on top of the amount sent counts against a provider even when its recipient gets more. Real cost varies by corridor, amount, delivery and payment method, and promotions (e.g. new-customer offers can be cheaper). Tap a provider to get its live rate before sending. The dot by each provider shows confidence, and the label says how the figure was grounded: "corridor estimate" is a rate we measured for this exact pair; a currency-code estimate (e.g. "USD estimate") is measured for that source currency but not this destination; "typical estimate" is the provider's general figure across all its corridors; "provider quote" is that provider's own recent quote for this pair, its markup and fee applied to today's mid-market rate exactly as its calculator shows them, and a provider whose quote depends on a payment or delivery choice is left out here and priced on its own calculator. Margins are verified against live provider quotes and the World Bank Remittance Prices database; the date above is the most recent collection. Some “Send money now” buttons are partner links: we may earn a commission if you sign up, at no cost to you, and rows are ranked by cost whatever the link. See how we collect these prices and our advertising disclosure.
Fee, Margin and the Total That Counts
Each row below is the full cost of a bank deposit paid from a US bank account: the fee you see, plus the margin built into the exchange rate, measured against the mid-market USD/MAD rate at the moment each service quoted. On this route the margin is usually the larger part.
| Service | Rate and fee at $1,000 | Cost shape | $200 | $500 | $1,000 | $5,000 |
|---|---|---|---|---|---|---|
| Taptap SendDelivered by bank deposit | 9.6579 MADNo fee | 1.01% rate, no fee | ≈$2.02 | ≈$5.04 | $10.08 | $50.41 |
| RevolutDelivered by bank transfer | 9.6612 MAD$1.50 fee | 0.89–1.05% rate + $0.75–$27.50 | ≈$2.83 | ≈$6.01 | $11.23 | $71.80 |
| SendwaveDelivered by bank deposit | 9.6445 MAD$0.99 fee | 1.15% rate + $0.99 | — | — | $12.44 | $58.28 |
| RemitlyDelivered by bank deposit | 9.6284 MADNo fee | 1.22–1.31% rate, no fee | ≈$2.62 | ≈$6.56 | $13.11 | $61.08 |
| MoneyGram | 9.641 MAD$1.49 fee | 1.18% rate + $1.49 | ≈$3.84 | ≈$7.38 | $13.29 | $60.54 |
| Ria Money TransferDelivered by bank deposit, paid by bank account | 9.6395 MAD$1.50 fee | 1.20% rate + $1.50 | ≈$3.88 | ≈$7.47 | $13.46 | $61.36 |
| Western UnionDelivered by direct to bank, paid by bank account | 9.6016 MAD$0.99 fee | 1.59% rate + $0.99 | ≈$4.15 | ≈$8.90 | $16.83 | $80.26 |
| Paysend | 9.5398 MAD$1.99 fee | 2.22% rate + $1.99 | ≈$6.38 | ≈$13.04 | $24.14 | $112.92 |
| Wiserate ref differsDelivered by bank deposit, paid by connected bank account (ACH) | 9.759 MAD$24.54 fee | -0.03% rate + $8.23–$106.03 | ≈$8.18 | ≈$14.21 | $24.27 | $104.69 |
| OFX | 9.4102 MADNo fee | 3.07–3.55% rate, no fee | — | — | $35.48 | $153.27 |
| XoomDelivered by bank deposit, paid by bank account (ACH) | 9.3815 MADNo fee | 3.84% rate + $0.00–$4.99 | ≈$12.48 | $24.01 | $38.42 | $192.09 |
From our current data, collected November 2–3, 2026, for a transfer from the US paid from a bank account and delivered to a bank account. Each rate is the service's margin from that data on the latest mid-market rate, 1 USD = 9.7563 MAD on November 5, 2026, so it moves with the market. Wise’s prices from the US are for paying it from a connected US bank account (ACH). Wise also takes payment by wire transfer, at a different fee. A dash means the provider has no quote at that amount whose fee and rate we can state. ≈ marks a price between two amounts the provider quoted, where its fee and rate are known to hold. How we collect these prices.
Revolut, Remitly and OFX charge a different rate margin at different amounts, so their costs can fall as the amount rises rather than climbing steadily.
- WorldRemit doesn’t price a transfer paid from a bank account and delivered to a bank account on this route, only other ways to pay or receive.
- We hold no current quote for this route from BOSS Money, Instarem, Pangea and XE.
Dollar totals, fee plus rate margin, for dirhams credited to a Moroccan bank account. The lowest standing price at each amount is coloured green; a promotional price, or a rate that beats our mid-market reference, is labelled and left out of the ranking.
Read along a row rather than down a column. A service that charges only through the rate costs the same share of every transfer, so it is gentle on a small amount and never improves on a large one. A thin margin paired with a flat fee works the other way round: it looks expensive on $200 and much better on $5,000, because the fee is spread over more money. Among the services with a standing price, the margins alone run from 0.89% to 3.84% before any fee.
At the mid-market rate on November 5, 2026, every dollar of cost is 9.76 dirhams your family doesn't receive. A $10 difference between two apps comes to about 98 dirhams, on every transfer you make.
Check the exact fee on your amount:
Where the Fine Print Bites
Converting at mid-market does not make a transfer cheap
Wise is the case in point: its rate sits within a fifth of a percent of mid-market, so nearly all its cost shows up as the fee. That is an open way to price a transfer, and it makes the cost easy to see. It does not make the cost small.
Morocco shows why. The dirham is not freely traded outside Morocco, and there is no deep offshore market where a transfer company can buy it in bulk. Every service has to buy dirhams through a Moroccan bank partner and pay for that access somewhere. One that refuses to take it in the rate shows it in the fee. In our current data Wise costs $24.27 all-in on a $1,000 transfer. The only fair comparison is the total on your own amount.
Revolut and its monthly allowance
Revolut prices this route for its free Standard plan, on the assumption that you haven't used the month's currency exchange allowance. Past that allowance it adds a fair-usage fee on the amount exchanged, so a large transfer, or a second one in the same month, can cost more than the quote suggests. Our current data shows the effect: 1.12% of a $1,000 transfer, against 1.44% of $5,000, or $71.80 all-in.
Paid plans carry bigger allowances, so how much this matters depends on your plan and on what you have already exchanged this month. Our Revolut fee calculator prices the Standard plan on your amount and shows how the other plans change it.
A Dirham Tied to the Euro
Bank Al-Maghrib, Morocco's central bank, does not let the dirham float freely. It sets a central rate from a basket weighted 60% to the euro and 40% to the US dollar, and since March 2020 the market rate has been allowed to move up to 5% either side of it. The weights follow Morocco's trade, most of which is with Europe, so the dirham usually moves less against the euro than against the dollar, though between July and early October 2026 it still lost about 5% against the euro. For you, sending dollars, it means the rate moves with the euro against the dollar and with the dirham's own drift inside its band.
Bank Al-Maghrib's own monthly figures show the pattern. Between February and March 2026, the dirham gained 0.2% against the euro and lost 2% against the dollar. Over a longer stretch the moves add up: between May and early October 2026, a dollar bought close to a tenth more dirhams at its high than at its low. Mid-market, the dollar was worth 9.76 dirhams on November 5, 2026.
What to do about it: very little. Holding a transfer back because you expect the euro to fall is a currency bet. If you are moving a large sum, for a property deposit or a wedding, splitting it into two or three transfers a few weeks apart averages out the rate, at the cost of paying any flat fee more than once.
Bank Al-Maghrib has said for several years that it intends to loosen the link further, in stages. If it does, expect the dirham to move more against the euro as well as the dollar.
RIB, CNIE and the Counter Networks
- Into a bank account
- Every Moroccan account has a 24-digit RIB: a bank code, a city code, the account number and a two-digit check key. Services ask for all 24 digits. Have your recipient copy it from their banking app or a statement and send it to you in writing, because a single transposed digit can hold a deposit up. Attijariwafa Bank, Banque Populaire, Bank of Africa, CIH Bank and Al Barid Bank are the names you will meet most.
- Cash at a counter
- Your recipient brings the transfer reference and a valid ID, for most Moroccans the national identity card (CNIE). Wafacash, Cash Plus and Barid Cash run counters in towns with no bank branch, and Al Barid Bank says that it and Barid Cash count close to 3,500 between them, rural areas included. Counter pickup of $1,000 is cheapest with Taptap Send at $10.08, then Ria Money Transfer at $12.30 and MoneyGram at $15.59. On $1,000, the lowest counter price is about the same as the lowest bank-deposit price.
- Mobile wallet
- For $1,000 to a wallet, Taptap Send at $10.08 has the lowest standing price, ahead of Ria Money Transfer at $12.96 and Remitly at $13.11. If your recipient wants the money on a phone, check that the service you pick supports their wallet before you send.
Counter payouts are often ready within minutes of the transfer clearing. A bank deposit usually lands in one to two business days.
For Moroccans Living in the US
If you are Moroccan and live in the US, Moroccan rules treat you as a Marocain résidant à l'étranger, and the Office des Changes lets you open a foreign-currency account or a convertible-dirham account at a Moroccan bank. Money in those accounts can be moved back out of Morocco, which an ordinary resident's dirham account does not allow.
That is worth knowing when the transfer is savings, a share of a family property or anything you may want back later. For help with everyday costs, the family's ordinary account is simpler. If you send to a dollar or euro account, check that the service delivers that currency rather than converting to dirhams first; every price on this page is for a transfer that arrives in dirhams. Account rules and charges differ by bank, so ask yours before you choose where to send.
Business Days and the US Cash Tax
A deposit settles on Moroccan business days, Monday to Friday. Public holidays add more closed days, among them Throne Day on July 30, Green March Day on November 6, Independence Day on November 18, and the two Eids, whose dates follow the lunar calendar. A transfer sent just before one of them waits for the next business day, so send midweek when a date matters.
On the US side, one rule changed this year. Since January 1, 2026, a transfer you pay for in cash, by money order or by cashier's check carries a 1% federal excise tax. Paying from a bank account or with a US debit or credit card keeps you out of it, and every service in our table is priced for payment from a bank account.
What Senders Ask About Morocco
What is the cheapest way to send money from the US to Morocco?
A money transfer app paid from your US bank account, with the money deposited to a Moroccan bank account where your family has one. For $500 into a bank account our latest quotes put Taptap Send first, at about $5.04. Taptap Send stays lowest at every amount from $200 to $5,000. Fees and margins are built differently from one service to the next, so the order can change with the amount; price your own before you send.
Is the app that gives the mid-market rate the cheapest way to send to Morocco?
Not necessarily. Wise is one example in our data: close to mid-market on the rate, with the cost carried by the fee. The dirham is not freely traded outside Morocco, so every service pays something to reach it, and one that takes nothing in the rate has to recover that in the fee. For Wise, the total on $1,000 comes to $24.27 in our current data. Compare the total cost on your amount, not the rate on its own.
Should I wait for a better dollar to dirham rate?
There is no reliable way to pick the moment. Bank Al-Maghrib ties the dirham mostly to the euro, so against the dollar it moves mostly when the euro does; from May to early October 2026, the dollar at its high bought nearly 10% more dirhams than at its low. Nobody can call the next move. For an ordinary monthly transfer, choose the service on cost and send when your family needs the money. For a large one-off sum, splitting it into two or three transfers a few weeks apart averages out the rate. Today's figure is on our USD to MAD converter.
What details do I need to send money to a Moroccan bank account?
The recipient's full name exactly as the bank holds it, and the full 24-digit RIB (relevé d'identité bancaire), which every Moroccan account has. A short account number is not enough. Ask for the RIB in writing, copied from the banking app or a statement, because one wrong digit can hold a deposit up.
What does my family need to collect a transfer in cash?
The transfer reference you give them and a valid ID, which for most Moroccans is the national identity card (CNIE). Wafacash, Cash Plus and Barid Cash run counters well beyond the bank branch network, including in small towns. In our latest quotes, Taptap Send, Ria Money Transfer, MoneyGram, Remitly, Sendwave, WorldRemit, Xoom and Western Union price cash pickup on this route.
Can I keep money in Morocco in dollars or euros?
If you are a Moroccan living abroad, yes. The Office des Changes allows Moroccans resident abroad to open a foreign-currency account or a convertible-dirham account at a Moroccan bank, and money in those accounts can be transferred back out of Morocco. An ordinary dirham account held by a resident does not give the same freedom. If you send to a dollar or euro account, check that the service delivers that currency; the prices on this page are for transfers that arrive in dirhams.
Key Takeaways
- Taptap Send is cheapest at every amount we priced, $200 to $5,000. The amount and the way you pay change the price, so check yours in the calculators.
- A mid-market rate is not a cheap transfer by itself. Wise converts close to mid-market and charges in the fee; on a currency as closed as the dirham, compare the total.
- Revolut's quote assumes an untouched monthly allowance. Past it, a fair-usage fee applies to the excess, so check your plan before a large transfer.
- The dirham leans on the euro. Against the dollar it can move by close to a tenth in a few months, and no one can time it.
- A deposit needs the full 24-digit RIB; a cash pickup needs the reference and the recipient's CNIE.
See What Arrives in Dirhams
What each service takes from your amount, and the dirhams your family keeps.
Related Calculators & Guides
Every fee on an international transfer, from the exchange-rate markup to card, cash pickup and bank wire charges, and how to see the real price.
What it really costs to send dollars to Tunisia in 2026: the main services priced on the same transfer, and the closed-currency rules that follow the money.
Services priced on the same USD/NPR transfer and how far apart they land, plus why the rupee’s peg to India makes the rate pointless to time.
Today’s mid-market rate between the US dollar and the Moroccan dirham.
Sources & References
- Bank Al-Maghrib: history of the exchange-rate regime
- Office des Changes: accounts in foreign currency and convertible dirhams for Moroccans abroad
- Al Barid Bank: press release on international transfers through Al Barid Bank and Barid Cash
- Hespress: Bank Al-Maghrib monthly review, February to March 2026
- World Bank: Remittance Prices Worldwide
- IRS: Excise taxes
Provider pricing and exchange rates are set by the companies named and can change. Figures in this guide are checked against these official sources. Always confirm the live rate before you transact.