---
updatedAt: 2026-03-03T17:18:11.000Z
agentTools:
  projectIndex: https://docs.dlocal.com/llms.txt
---

# Morocco

Learn everything you need to know to make payouts in Morocco with dLocal.

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***

# Market specifications

Do you want to know more information about Morocco's market? Go to the [Morocco’s economy and eCommerce market](https://dlocal.com/payment-processors-middle-east-africa/morocco-payment-methods-processors-ecommerce-market/) article.

## Country reference

| `country` code | `currency` code | `amount` decimals | `beneficiary.document.type` name | `beneficiary.document.id` format |
| :------------: | :-------------: | :---------------: | :------------------------------: | :------------------------------: |
|      `MA`      |      `MAD`      |         2         |               CNIE               |    Between 5 to 20 characters    |

## Mandatory parameters

### Bank transfers

| Bank transfer parameters           | B2C | B2B | P2P |
| :--------------------------------- | :-: | :-: | :-: |
| `external_id`                      | Yes | Yes | Yes |
| `payment_method_id`                | Yes | Yes | Yes |
| `flow_type`                        | Yes | Yes | Yes |
| `purpose`                          | Yes | Yes | Yes |
| `country`                          | Yes | Yes | Yes |
| `amount`                           | Yes | Yes | Yes |
| `currency`                         | Yes | Yes | Yes |
| `beneficiary.first_name`           | Yes |  -  | Yes |
| `beneficiary.last_name`            | Yes |  -  | Yes |
| `beneficiary.business_name`        |  -  | Yes |  -  |
| `beneficiary.bank_account.account` | Yes | Yes | Yes |
| `beneficiary.address.street`       | Yes | Yes | Yes |
| `remitter.first_name`              |  -  |  -  | Yes |
| `remitter.last_name`               |  -  |  -  | Yes |
| `remitter.address.country`         |  -  |  -  | Yes |
| `remitter.document.type`           |  -  |  -  | Yes |
| `remitter.document.id`             |  -  |  -  | Yes |
| `remitter.birth_info.date`         |  -  |  -  | Yes |

***

# Payment methods

Morocco supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

## Bank transfers

Bank transfers in Morocco require detailed account information, including RIB. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the [bank codes](#bank-codes) section below for format specifications.

### Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

| Mandatory parameter                | Description                                                                                                                                 |
| :--------------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------ |
| `external_id`                      | Payout identification at the merchant's end. Maximum 100 characters.                                                                        |
| `payment_method_id`                | Payment method identifier. For bank transfers, use `BANK_TRANSFER`.                                                                         |
| `flow_type`                        | Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).                    |
| `purpose`                          | Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).                                                         |
| `country`                          | Country code. For Morocco, use `MA`.                                                                                                        |
| `amount`                           | Payout amount in `MAD`. Use up to 2 decimal places.                                                                                         |
| `currency`                         | Source currency of the FX operation. For Morocco, use `MAD` or `USD`. Payouts are always paid in local currency to the beneficiary.         |
| `beneficiary.first_name`           | Beneficiary's first name. Maximum 50 characters.                                                                                            |
| `beneficiary.last_name`            | Beneficiary's last name. Maximum 50 characters.                                                                                             |
| `beneficiary.business_name`        | Beneficiary's business name. Mandatory only for B2B.                                                                                        |
| `beneficiary.bank_account.account` | Beneficiary's account number from the RIB.                                                                                                  |
| `beneficiary.address.street`       | Beneficiary's street address. Maximum 200 characters.                                                                                       |
| `remitter.first_name`              | Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).                                                          |
| `remitter.last_name`               | Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).                                                           |
| `remitter.address.country`         | Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).                                                  |
| `remitter.document.type`           | Remitter's identification document type: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P). |
| `remitter.document.id`             | Remitter's document number. Maximum 45 characters. Mandatory only for remittance (P2P).                                                     |
| `remitter.birth_info.date`         | Remitter's birth date in `YYYY-MM-DD` format. Mandatory only for remittance (P2P).                                                          |

### Example request

```json Bank transfers - B2C
{
  "external_id": "MA_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "MA",
  "amount": 2977.89,
  "currency": "MAD",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "address": {
      "street": "14 Boulevard Al Massira Al Khadra"
    },
    "bank_account": {
      "account": "007988877665431292049385"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}
```
```json Bank transfers - P2P
{
  "external_id": "MA_P2P_002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "MA",
  "amount": 1500.00,
  "currency": "MAD",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "address": {
      "street": "14 Boulevard Al Massira Al Khadra"
    },
    "bank_account": {
      "account": "007988877665431292049385"
    }
  },
  "remitter": {
    "first_name": "Ahmed",
    "last_name": "Hassan",
    "document": {
      "type": "ID",
      "id": "A12345678"
    },
    "birth_info": {
      "date": "1985-01-15"
    },
    "address": {
      "street": "123 Main Street",
      "city": "Casablanca",
      "country": "ES"
    },
    "nationality": "ES"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}
```

# Bank information

Access the reference formats and accepted values required for processing bank payouts in Morocco.

<br />

<details>
<summary class="summary_head">

## Bank account validations

</summary>

<br />

| Validation   | Type | Length | Type    | Verification    |
| :----------- | :--- | :----- | :------ | :-------------- |
| Bank account | RIB  | 24     | numeric | Validate length |

<br />

</details>

***

<details>
<summary class="summary_head">

## Bank codes

</summary>

These are the supported banks in Morocco (positions 1 to 3 in the RIB) shared at `beneficiary.bank_account.account`.

| Bank name                                        | Bank Code |
| ------------------------------------------------ | :-------: |
| ABN Amro                                         |    023    |
| Al Barid Bank                                    |    350    |
| Al Akhdar Bank                                   |    365    |
| Al Amal Bank                                     |    045    |
| Arab Bank                                        |    002    |
| Arreda                                           |    364    |
| ATW International Bank SA                        |    605    |
| AWB                                              |    007    |
| Bank Al-Maghrib                                  |    001    |
| Bank Al Yousr                                    |    366    |
| Bank Al Tamweel Wa Al Inma                       |    367    |
| Banco Sabadell                                   |    070    |
| Banque Internationale de Tanger /Credit du Maroc |    610    |
| Banque Populaire Beni Mellal                     |    109    |
| Banque Populaire Berkane                         |    163    |
| Banque Populaire Casa Est                        |    195    |
| Banque Populaire Casa Sud                        |    197    |
| Banque Populaire Casablanca                      |    178    |
| Banque Populaire Centre Sud                      |    101    |
| Banque Populaire El Houceima                     |    105    |
| Banque Populaire El Jadida Safi                  |    117    |
| Banque Populaire Errachidia                      |    121    |
| Banque Populaire Fes Taza                        |    127    |
| Banque Populaire Gharb                           |    133    |
| Banque Populaire Jadida                          |    130    |
| Banque Populaire Khouribga                       |    140    |
| Banque Populaire Laayoune                        |    143    |
| Banque Populaire Marrakesh Beni Mellal           |    145    |
| Banque Populaire Meknes                          |    148    |
| Banque Populaire Nador El Hoceima                |    150    |
| Banque Populaire Ouarzazate                      |    155    |
| Banque Populaire Oujda                           |    157    |
| Banque Populaire Rabat Kenitra                   |    181    |
| Banque Populaire Safi                            |    159    |
| Banque Populaire Tanger Tetouan                  |    164    |
| Banque Populaire Taza                            |    169    |
| Banque Populaire Tetouan                         |    172    |
| Banque Populaire Tiznit                          |    175    |
| BCP                                              |    190    |
| BCP Securities Services                          |    048    |
| BMCE                                             |    011    |
| BMCE Bank Offshore                               |    630    |
| BMCI                                             |    013    |
| BMCI Najmah                                      |    361    |
| BMCI Offshore Group BNP                          |    615    |
| BMAO                                             |    025    |
| BNDE                                             |    205    |
| Caixa                                            |    003    |
| CAM                                              |    225    |
| CDG                                              |    060    |
| CDG Capital                                      |    054    |
| CDM                                              |    021    |
| CFM                                              |    050    |
| Chaabi International Bank Offshore               |    625    |
| CIH Bank                                         |    230    |
| Citi Bank                                        |    028    |
| Dar Al Amane                                     |    363    |
| Ex-Wafa Bank                                     |    019    |
| SGMB                                             |    022    |
| SMDC                                             |    031    |
| TGR                                              |    310    |
| UMNIA Bank                                       |    360    |
| UMB                                              |    005    |
| Uniban                                           |    026    |

<br />

</details>