Frequently Asked Questions

• - You are an individual:
  You have the option to open the following accounts:
  ● A checking account in Moroccan Dirhams (Dhs) for your daily transactions
  ● A savings account in Moroccan Dirhams (Dhs) for your savings
  The convertible Dhs account can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams within Morocco and in foreign currencies abroad.
  - You are a professional:
  You have the option to open the following accounts:
  ● A current account in Moroccan Dirhams (Dhs) dedicated to your business activity
  ● A convertible Dhs account or a foreign currency account if you are a professional exporter of goods and services
  The convertible Dhs account can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams within Morocco and in foreign currencies abroad.

You have the option to open the following accounts:
● A checking account in Moroccan Dirhams (Dhs) for your daily transactions
● A savings account in Moroccan Dirhams (Dhs) for your savings
● A convertible Dirhams account: It can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams and foreign currencies.
● A foreign currency account

You have the option to open the following accounts:
● A convertible Dhs account: It can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams and foreign currencies.
● A foreign currency account

The individuals involved in opening a joint account must visit the branch at the time of account opening to deposit their signature and inform the account manager of the desired account management mode: separate or joint signature.
 

The actual balance is the amount that is actually available in your account, reduced by the number of pending transactions (blocks)..

You have several channels to check your balance/history of transactions:
● By logging into your BMCE Direct account via web or smartphone
Subscribe for FREE to the "BMCE Direct" service by visiting your branch
● By using a BANK OF AFRICA ATM
● By calling the "Direct Line" at 080 100 8100* (from Morocco) or +212 5 22 42 15 42* (from abroad) from 8am to 10pm, 7 days a week
Your balance can be securely communicated to you through a strong authentication system using the BMCE Direct code.
Your BMCE Direct code must be numeric. Remember to request its modification from your advisor if it does not comply with this structure.
* Belgium: €0.15/min; France: €0.12/min; Italy: €0.12/min; Germany: €0.2/min; Netherlands: €0.15/min; Spain: €0.083/min; United Kingdom: €0.125/min

You can appoint a proxy to manage your account through a signed and legalized bank proxy according to the model established by BANK OF AFRICA.

The package allows you to make considerable savings compared to separate sales and to benefit from several advantages:
● Checking account with bundled account maintenance fees and regular operations.
● Withdrawal and payment bank card (several types of cards available depending on the package).
● Free access to your personal BMCE Direct account to remotely monitor your account via web or mobile.
● Overdraft authorization depending on the subscribed package, subject to the discretion of the branch.

Yes, except for bancassurance products which may be mandatory or optional depending on the subscribed package and are charged separately.

The processing time for your deposit will vary depending on the nature of the check:
● If it is a BANK OF AFRICA check, the transaction will be recorded in your account on the first business day following the day of deposit.
● If it is a check from another bank, the transaction will be recorded in your account on the second business day following the day of deposit.
Check deposits are also available at the Bank's Automated Self-Service Machines (LSB), which are operational 24/7, with the same processing times as the branch (provided that the deposit is made before 5pm).

We offer you the possibility to deposit your check into your account at any BANK OF AFRICA branch without any additional fees.

You have the possibility to make cash withdrawals at any BANK OF AFRICA branch of your choice, under the same conditions as cash withdrawals at your own branch.

• If you make a transfer through your branch or via BMCE Direct to a beneficiary who is a BANK OF AFRICA client, their account will be credited instantly.
• If you make a transfer through your branch or via BMCE Direct to a beneficiary who is a client of another bank, their account will be credited on the second business day following the transfer.

If you wish to quickly send money to a customer or non-customer of BANK OF AFRICA, you can initiate a cash availability through your branch or remotely via your online space BMCE Direct.
Cash availability is a transaction in which you make a sum of money available to the beneficiary by debiting your account, which they can collect from any BANK OF AFRICA branch upon presentation of their identification document (ID card for Moroccans and registration card for foreigners residing in Morocco).

If you initiate a transfer or cash availability online through your personal space BMCE Direct, you will receive a 50% discount on the fee applied at

To activate your bank card, you must make a withdrawal at a BANK OF AFRICA or affiliated ATM, or make a purchase from a merchant equipped with an Electronic Payment Terminal (EPT) or an online purchase.

Contactless payment allows you to quickly pay for purchases of amounts less than or equal to 600 Dhs by simply approaching your card to the payment terminal. With equipped merchants, you no longer need to enter your PIN. You can make contactless purchases for a maximum amount of 600 dhs per transaction without entering your PIN, up to a limit of 3 transactions per day. For security reasons, you will be asked to insert your card into the merchant's payment terminal and enter your PIN when you have exceeded a certain cumulative amount of successive contactless payments.

In case of loss, theft, or fraudulent use of your card, you can report it 24/7 from your personal BMCE Direct account or by contacting the Customer Relationship Center at 080 100 8100 7/7, from 08:00 to 22:00. Then, make a report at the police station and go to your branch within 48 hours to confirm your opposition request, with your report of loss or theft of your bank card.

You can recalculate the PIN code of your card from your personal BMCE Direct account or by contacting the "Direct Line" at 080 100 8100 (from Morocco) or +212 5 22 42 15 42 (from abroad) from 08:00 to 22:00, 7/7. You can also request it from your Advisor at the branch. A temporary PIN will be sent to you by SMS, which you will be asked to change at one of the BANK OF AFRICA ATMs.

• If you are a BANK OF AFRICA customer: Submit a claim to your branch or via the Customer Relationship Center at 080 100 8100 (from Morocco) or +212 5 22 42 15 42 (from abroad) from 8am to 10pm, 7 days a week, for a BANK OF AFRICA or Sister Bank ATM withdrawal.
• If you are a customer of another bank: If you are not served at any of the BANK OF AFRICA ATMs, submit your claim to your bank.

First, make sure that you have provided your bank with a valid mobile number and email address. Then contact your advisor at the branch or call the Customer Relationship Center at 080 100 8100 (from Morocco) or +212 5 22 42 15 42 (from abroad) from 8am to 10pm, 7 days a week. For online merchant sites that do not adhere to 3D Secure and do not display the logo or logo , you will not receive a 3D Secure password. In this case, the validation of your payment will be done automatically after entering your card details.

Your card may not work in certain cases, mainly:
• If your card is defective or damaged: In this case, go to your advisor at the branch to request a replacement;
• If you have exceeded the authorized withdrawal or payment limit: Go to your branch or any other BANK OF AFRICA branch for a cash withdrawal.
• If your card is blocked: If you have the card in your possession, go to your advisor at the branch to lift the block. Otherwise, you have the option to request a new card.
• If you have made 3 incorrect PIN attempts, for security reasons your card is blocked: Contact the Customer Relationship Center at 080 100 8100 (from Morocco) or +212 5 22 42 15 42 (from abroad) from 8am to 10pm, 7 days a week to unblock your card or contact your advisor at the branch.

BANK OF AFRICA debit cards allow you to:
• Withdraw money from BANK OF AFRICA and Sister Bank ATMs, in Morocco and abroad, up to the authorized limits for each type of card.
• Make contactless and PIN-based payments for your purchases at all merchants equipped with a POS terminal, in Morocco and abroad, up to the authorized limits for each type of card.
• Pay for your E-commerce purchases in Moroccan Dirhams on Moroccan websites and in foreign currencies on international websites, up to the authorized limits for each type of card. Additionally, only the ATM withdrawal functionality in Morocco is available on the account card.

You can activate your various allowances in foreign currencies (tourist, E-commerce...) remotely through your BMCE Direct personal space or by calling the Customer Relationship Center at 080 100 8100 (from Morocco) or +212 5 22 42 15 42 (from abroad) from 8am to 10pm, 7 days a week, or directly with your advisor at the branch.

You have the option to order your checkbook from your BMCE Direct personal space, from any BANK OF AFRICA ATM, or directly from your branch.
You can inquire about the status of your order by calling the Customer Relationship Center at 080 100 8100 (from Morocco) or +212 5 22 42 15 42 (from abroad) from 8am to 10pm, 7 days a week.
For collection, you are required to visit the branch

In case of loss or theft of a checkbook or a few forms, you must initiate as soon as possible a declaration of loss or theft with the police station, providing them with the number(s) of the lost or stolen checks to be mentioned on the declaration that must be provided to your agency for the opposition of the lost or stolen forms.

BMCE Direct is the remote banking service of BANK OF AFRICA, it offers you the possibility to manage your accounts and carry out your everyday banking operations without having to go to a branch, in complete security. You can access it via the website www.bmcedirect.ma or through the mobile application downloadable on all app stores.

BMCE DIRECT is a service accessible to all BANK OF AFRICA customers.

Subscription to BMCE Direct is to be done at the branch with your account manager who will provide you with your username and password, along with a specific strong authentication device.

BMCE Direct is offered free of charge to Individual and Professional customers.

Access to BMCE Direct can be done through:
• Your mobile/tablet, by downloading the BMCE Direct application from the app stores,
• The website www.bmcedirect.ma                               

Access the web version www.bmcedirect.ma, enter your username and temporary password received by SMS. You will be prompted to change your password during this first connection.

1- Consultation: Check the status, history of your account and card, download statements of your transactions, the status of your bancassurance products as well as your loans and securities portfolio.
2- Transactions: Make transfers (internal and to colleagues) as well as withdrawals, Pay your bills, Top up your prepaid cards, carry out your stock market operations, etc...
3- Subscription: Initiate a request for subscription to a payment card or a passbook account, subscribe to an assistance contract or a savings contract (Education, Retirement).

To make a single transfer or withdrawal, simply enter the information of your beneficiary and your transaction (Amount, description...), then validate the transaction with a confirmation code that will be sent to you by SMS (or by email if you have chosen this channel during the initial configuration of your BMCE Direct).
 

The "SITUATION/AVIS D'OPÉRÉS" section allows you to generate a PDF file containing the statement of transactions from the previous month. The transaction history allows you to view the operations carried out during the last 6 months. To download older statements, you need to click on "Search" and fill out the form.

By subscribing to the Direct Pro service, you can delegate to a third party (assistant, accountant, etc.) the management of your remote accounts, with the creation of a delegation identifier and assigning them a scope of accounts and functions that you have determined and shared with your advisor at the branch.

 

Your personal contact information (mobile number and email) allows you to receive your confirmation code for transactions carried out on BMCE Direct. You have the possibility to modify them at any time by visiting the branch.

First, we recommend that you define the type of property you need (apartment, detached house, villa, etc.), then share your project with your BANK OF AFRICA customer advisor. They will be happy to inform you about your borrowing capacity. Once your budget is defined, choose your property (your customer advisor can also advise you on this). Then, prepare your application file while consulting a notary and submit your credit application to your bank.
 

Your borrowing capacity depends on your income and the desired credit duration.

We finance both new and second-hand properties.

Our financing options allow for the acquisition of a second home.

This refers to the savings you have before taking out your mortgage, which allow you to make an advance payment to purchase a property.

Yes, we finance up to 110% of the property value. The 10% covers some of the notary and insurance fees. Offers subject to conditions.

For a fixed rate, the monthly payments remain constant throughout the credit duration. For a variable rate, the monthly payments can change upwards or downwards annually (on the loan anniversary date).

The Annual Percentage Rate (APR) is the total cost of credit expressed as an annual percentage and calculated according to the standards set by Bank Al Maghreb.

This is a document that details the repayment installments and remaining amounts due period by period. It is provided upon granting the mortgage. You can request a copy from your advisor at any time.

It is a guarantee that the bank takes on your property to protect itself in case you are no longer able to pay your installments. The mortgage is subject to a notarial deed and registration with the land registry.

Other expenses to consider include notary fees, registration fees at the land registry, insurance fees, housing loan application fees, and fees for water and electricity installation/connection.

Consumer credit allows you to finance all types of expenses related to important moments: renovation work, a wedding project, a trip, or an unexpected event. It can be taken out online on the website www.creditdaba.ma or in one of our BANK OF AFRICA branches.

It is the portion of your income that you dedicate to repaying your loans, all combined. It is important to consider all your loans (consumer credit, mortgage, auto loan, etc.).

Generally, it represents between 45% and 50% of your income. However, the bank reserves the right to apply a lower debt ratio (depending on the client's profile) and may exceed the 50% threshold set in certain cases.

It is the act of repaying your loan in advance, before its end, either in full or partially, at your request, at any time during the life of the loan. These early repayments will be made without penalties for consumer credit.

Indeed, you have the right of withdrawal. Your request, written, dated, and signed by you, can be submitted within a period of 7 days, starting from the signing of the loan offer. It allows you to renounce your credit without having to justify yourself and without penalty.

As a retiree, you have the possibility to subscribe to consumer credit.

You have the possibility to use the flexibility options offered by BANK OF AFRICA, both for mortgage loans and consumer credit. These options allow you to act on your loans independently, in the branch or through your personal space BMCE Direct.
They include:

• Suspension of repayment of the installment to cope with an unexpected expense, up to one installment per rolling year.
• Modulation of installments upwards or downwards, up to a maximum cumulative of 10% of the initial installment.
• Modification of the collection date to choose a new date that suits you best.

You can finance your studies in Morocco or abroad through our wide range of dedicated loans with adapted repayment terms.
In addition to financing the tuition fees of the institution you wish to enroll in abroad, the "Study Abroad" credit allows you to even finance the living expenses and other related expenses.

We help you finance the different events in your young professional life, under advantageous conditions:
• Your housing: primary or secondary (new or old) or construction (with or without land purchase), through the Young Professional Mortgage Loan
• Any other event in your life: furnishing your home, buying furniture, getting married...

You can get financing for the purchase of your new or used car.

Yes, you can definitely get a car loan. However, the offer is subject to conditions.

Absolutely, subscribing to car insurance allows you to have coverage for all the guarantees that apply to the driver, their vehicle, and other users in the event of a possible road accident.

Several offers may be available to you. Financing up to 100% is possible depending on conditions.

In case of sale, you will be required to repay your car loan in order to allow the buyer to have the release of lien, a necessary document for their application for renewal of the registration certificate (car title) in their name.

You can contact the "Ligne Directe" 7 days a week from 8am to 10pm at 080 100 8100 (from Morocco) or at +212 5 22 42 15 42 (from abroad), or independently from BMCE Direct WEB by clicking on "forgotten access codes".