🇲🇦 This is the brand hub for Attijariwafa Bank. For the bigger picture on the closed dirham, the universal MAD 35 ATM fee, the licensed bureaux, and the no-Bank-of-America-Alliance gap, see the Morocco Money Guide. For exact ATM areas and the fee-beating playbook, see the Casablanca ATM Guide. For card-acceptance and the tram, see the Casablanca Money Guide. For the other major local bank, see the BMCE (Bank of Africa) guide. Flying in? Mohammed V (CMN) guide.
🎧 Bring USD or EUR to Exchange
The dirham is closed, so you can't pre-order it. Carry clean USD or EUR to change on arrival. Insured 2–5 day shipping of bills.
Order USD / EUR → CEI Currency ExchangeWhat Attijariwafa Bank is, in one paragraph
Attijariwafa Bank is the largest bank in Morocco and one of the biggest banking groups in Africa, headquartered in Casablanca and formed from the 2004 merger of Banque Commerciale du Maroc and Wafabank. Beyond Morocco it has a large presence across francophone West and Central Africa. In Morocco it operates the widest branch and ATM network, so its machines are the ones you will see most often, from the airport to the new-town boulevards. For US travelers the practical points are specific: Attijariwafa machines dispense dirhams at the interbank rate, add the now-standard flat MAD 35 foreign-card fee, and cap each withdrawal low (commonly MAD 2,000), so the rule is always to withdraw the maximum.
What Attijariwafa charges foreign cards
| Fee component | Amount | Paid to |
|---|---|---|
| Attijariwafa operator fee (foreign card) | ~MAD 35 flat | Attijariwafa, per withdrawal (refunded by Schwab) |
| Exchange rate | Mid-market (interbank) | Visa or Mastercard network |
| Per-transaction cap | ~MAD 2,000 (low) | Attijariwafa (withdraw the maximum) |
| Your home bank's foreign ATM fee | $2-5 | Your home bank, unless waived (Schwab, Wise) |
| Your home bank's FX conversion fee | 1-3% | Your home bank, unless 0% FX card |
| DCC markup (if accepted) | +4-12% | Always decline. Pick Moroccan dirhams every time the screen offers your home currency. |
Since January 2026 every Moroccan bank charges the flat ~MAD 35 fee, Attijariwafa included. Morocco has no BoA Alliance partner, so BoA debit pays BoA's 3% on top. The dirham is closed; get it on arrival and reconvert before leaving.
How to make Attijariwafa cheap: withdraw the maximum, refund the fee
The flat MAD 35 fee and the low cap are the defining cost of Moroccan cash, and two moves tame them. First, withdraw the maximum each transaction: because the fee is flat, one MAD 2,000 pull costs the same MAD 35 as a MAD 500 one, so fewer, larger withdrawals cut your per-dirham cost. Second, carry a Charles Schwab card, which refunds ATM operator fees worldwide, the MAD 35 included, turning an Attijariwafa withdrawal effectively free. And because the dirham is closed, plan to get your first cash on arrival (an airport Attijariwafa ATM or the fair licensed bureau) and to spend or reconvert it before you leave.
Bank of America customers should note there is no fee-free ATM in Morocco: with no BoA Alliance partner, a BoA card pays its 3 percent non-network fee on top of the MAD 35. A Wise or Schwab card is the better tool, and Schwab is the one that directly cancels the MAD 35.
Where to find Attijariwafa Bank in Morocco
HQ & the new town
Attijariwafa is headquartered in Casablanca, with ATMs across Maarif, downtown, and the Morocco Mall. Covered in the Casablanca ATM Guide.
Nationwide coverage
Attijariwafa has the largest ATM and branch network in Morocco, so a machine is rarely far in Marrakech, Rabat, Fez, Tangier, or the smaller towns.
Gueliz & the medina edge
Attijariwafa ATMs in Gueliz and around the medina; use the branch and mall machines rather than the medina-wall standalones.
Francophone Africa
If your trip continues into West or Central Africa, Attijariwafa operates there too; the Moroccan network is what matters for dirhams.
Mohammed V arrivals
Attijariwafa ATMs in the CMN arrivals hall, your first dirhams on arrival, near the fair licensed bureau de change. See the CMN airport guide.
Use branch & mall machines
Stick to Attijariwafa ATMs inside branches or shopping centres rather than medina-wall standalones, which have a higher skim and DCC-pitch rate.
Attijariwafa vs BMCE (Bank of Africa): the actual decision
| Attijariwafa | BMCE (Bank of Africa) | |
|---|---|---|
| Foreign-card fee | ~MAD 35 flat | ~MAD 35 flat |
| Per-transaction cap | ~MAD 2,000 (low) | ~MAD 2,000 (low) |
| BoA Global ATM Alliance partner | No (none in Morocco) | No (none in Morocco) |
| Network size in Morocco | Largest | Major, very wide |
| Regional footprint | Francophone Africa | Bank of Africa, ~20 countries |
Decision tree: since January 2026 the cost is effectively identical (both ~MAD 35 flat, both a low cap, neither a BoA Alliance partner), so use whichever is nearest, ideally inside a branch or mall. Attijariwafa has the larger network, so you will see its machines most often. Either way, withdraw the maximum and pair the bank with a fee-refunding Schwab card.
Best card pairing with Attijariwafa Bank
Wise for cards, Schwab to refund the MAD 35
A Wise debit card gives zero FX markup and the real interbank dirham rate at hotels and modern restaurants. A Charles Schwab card refunds Attijariwafa's flat MAD 35 operator fee worldwide, the biggest saving available on Moroccan cash. Withdraw the maximum at an Attijariwafa machine in a branch or mall, get your first dirhams on arrival (the dirham is closed), and since Morocco has no BoA Alliance partner, a no-FX-fee card is clearly the best choice.
Get the Wise Card →Charles Schwab Investor Checking
Schwab adds zero foreign-transaction fee and refunds ATM operator fees worldwide, including Attijariwafa's MAD 35. Pair it with a max withdrawal and an Attijariwafa machine in a mall and your Moroccan cash becomes effectively free. Still decline DCC and choose dirhams.
Bank of America debit (no Alliance waiver here)
Morocco has no BoA Global ATM Alliance partner, so a BoA card pays its 3 percent non-network fee on top of Attijariwafa's MAD 35. There is no fee-free Moroccan ATM for BoA cards; a no-FX-fee card, ideally Schwab, is the better option.
Frequently Asked Questions
How much does Attijariwafa charge foreign cards at ATMs?
A flat ~MAD 35 per withdrawal (universal since Jan 2026), at the interbank rate, with a low cap (~MAD 2,000). Withdraw the maximum. A Schwab card refunds the MAD 35. Decline DCC.
Is Attijariwafa in the Global ATM Alliance?
No, and no Moroccan bank is. A BoA card pays its 3% on top of the MAD 35. A no-FX-fee card is the better tool; Schwab refunds the fee.
What is Attijariwafa Bank?
Morocco's largest bank and one of Africa's biggest, headquartered in Casablanca, with the widest ATM network in the country.
Can I get dirhams before arriving?
No, the dirham is closed. Get your first dirhams at an Attijariwafa ATM or licensed bureau on arrival, and reconvert leftovers before leaving.
Will my US debit card work at Attijariwafa ATMs?
Yes, with a Visa, Mastercard, Plus, or Cirrus logo. French/English option, 4-digit PINs. Use branch/mall machines, decline DCC, withdraw the max.
How does Attijariwafa compare with BMCE?
Cost-identical now (both ~MAD 35, both a low cap, neither a BoA partner). Attijariwafa has the larger network; use whichever is nearest.
The Attijariwafa + Wise + Schwab Combo
Wise zero FX markup for hotels and restaurants; Schwab refunds Attijariwafa's flat MAD 35 ATM fee. Withdraw the max, get cash on arrival.
Get the Wise Card →