Sending money

Each transfer service by name, where the money is collected in Morocco, and what sending 140 euros really cost from six countries.

Read on 10 October 2026

Prices and offers change. Each figure was read on the date shown: confirm on the provider's own page before you buy.

In short

These prices are World Bank figures for sending 140 euros in the third quarter of 2025. Prices change often, so check the amount your recipient gets before you send.
From France, Remitly online to a bank account cost 1.46 percent. Paying in cash at a counter cost 3.99 percent with Banque Chaabi de Maroc, 4.71 percent with Ria and 7.56 percent with Western Union.
An ordinary bank transfer is dear for a small amount. On 140 euros the fee alone was 63 euros at Caisse D'Epargne Ile de France, 37 euros at La Caixa in Spain and 35 euros at ABN AMRO Bank in the Netherlands.
A fee of 0 euros is not a free transfer. With no fee, MoneyGram from Belgium still kept 1.18 percent through the exchange rate, and Boursorama from France kept 2.58 percent.
With Remitly, cash pick-up cost more than a deposit to a bank account: 2.17 against 1.46 percent from France, 3.58 against 1.79 percent from Spain.
The average cost was 3.86 percent from Belgium, 4.11 from Germany, 5.57 from the Netherlands, 6.29 from Spain, 7.21 from Italy and 7.39 from France. The world average is 6.36 percent.

What a transfer really costs

World Bank survey, Q3 2025: the cost of sending 140 EUR (200 USD). Total cost is the fee plus the margin taken on the exchange rate.

6.36 %World average
3 %United Nations target

FranceAverage from this country: 7.39 %

Cheapest ten

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Remitly	Credit card	Bank account	€0	1.46 %	1.46 %	Under 1 hour
Remitly	Credit card	Mobile wallet	€0	1.46 %	1.46 %	Under 1 hour
Remitly	Debit card	Bank account	€0	1.46 %	1.46 %	Under 1 hour
Remitly	Debit card	Mobile wallet	€0	1.46 %	1.46 %	Under 1 hour
Attijariwafa Bank	Bank transfer	Bank account	€1.50	0.42 %	1.49 %	Same day
TransferGo	Bank transfer	Bank account	€0	1.82 %	1.82 %	Under 1 hour
Remitly	Credit card	Cash	€0.99	1.46 %	2.17 %	3 to 5 days
Remitly	Debit card	Cash	€0.99	1.46 %	2.17 %	3 to 5 days
TransferGo	Credit card	Bank account	€0	2.46 %	2.46 %	Under 1 hour
TransferGo	Debit card	Bank account	€0	2.49 %	2.49 %	Under 1 hour

All 39 offers surveyed

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Remitly	Credit card	Bank account	€0	1.46 %	1.46 %	Under 1 hour
Remitly	Credit card	Mobile wallet	€0	1.46 %	1.46 %	Under 1 hour
Remitly	Debit card	Bank account	€0	1.46 %	1.46 %	Under 1 hour
Remitly	Debit card	Mobile wallet	€0	1.46 %	1.46 %	Under 1 hour
Attijariwafa Bank	Bank transfer	Bank account	€1.50	0.42 %	1.49 %	Same day
TransferGo	Bank transfer	Bank account	€0	1.82 %	1.82 %	Under 1 hour
Remitly	Credit card	Cash	€0.99	1.46 %	2.17 %	3 to 5 days
Remitly	Debit card	Cash	€0.99	1.46 %	2.17 %	3 to 5 days
TransferGo	Credit card	Bank account	€0	2.46 %	2.46 %	Under 1 hour
TransferGo	Debit card	Bank account	€0	2.49 %	2.49 %	Under 1 hour
ACE Money Transfer	Credit card	Bank account	€2.99	0.42 %	2.56 %	Under 1 hour
ACE Money Transfer	Debit card	Bank account	€2.99	0.42 %	2.56 %	Under 1 hour
Boursorama	Bank transfer	Bank account	€0	2.58 %	2.58 %	3 to 5 days
WorldRemit	Credit card	Cash	€0.99	2.09 %	2.8 %	Under 1 hour
WorldRemit	Debit card	Cash	€0.99	2.09 %	2.8 %	Under 1 hour
Attijariwafa Bank	Bank transfer	Bank account	€3.50	0.42 %	2.92 %	Same day
Western Union	Credit card	Bank account	€2.99	0.96 %	3.1 %	Under 1 hour
Western Union	Debit card	Bank account	€2.99	0.96 %	3.1 %	Under 1 hour
MoneyGram	Credit card	Cash	€3.99	0.75 %	3.6 %	Under 1 hour
MoneyGram	Debit card	Cash	€3.99	0.75 %	3.6 %	Under 1 hour
Banque Chaabi de Maroc	Cash	Cash	€5	0.42 %	3.99 %	3 to 5 days
La Banque Postale via Western Union	Debit card	Cash	€3.99	1.66 %	4.51 %	Under 1 hour
Xoom	Bank transfer	Cash	€1.49	3.53 %	4.59 %	Under 1 hour
Xoom	Credit card	Cash	€1.49	3.53 %	4.59 %	Under 1 hour
Xoom	Debit card	Cash	€1.49	3.53 %	4.59 %	Under 1 hour
Xoom	Mobile money	Cash	€1.49	3.53 %	4.59 %	Under 1 hour
Ria	Cash	Cash	€6	0.42 %	4.71 %	Under 1 hour
Western Union	Credit card	Cash	€3.99	1.94 %	4.79 %	Under 1 hour
Western Union	Debit card	Cash	€3.99	1.94 %	4.79 %	Under 1 hour
Banque Populaire via Wise	Bank transfer	Bank account	€6.85	0 %	4.89 %	6 days or more
Caisse D'Epargne Ile de France via Wise	Bank transfer	Bank account	€6.85	0 %	4.89 %	Same day
Wise	Bank transfer	Bank account	€6.86	0.02 %	4.92 %	6 days or more
Wise	Debit card	Bank account	€7.95	0.02 %	5.7 %	6 days or more
Wise	Credit card	Bank account	€8.78	0.02 %	6.29 %	6 days or more
Western Union	Cash	Cash	€4.90	4.06 %	7.56 %	Under 1 hour
Banque Populaire	Bank transfer	Bank account	€41.70	0.15 %	29.94 %	6 days or more
Caisse D'Epargne Ile de France	Bank transfer	Bank account	€63	-0.12 %	44.88 %	Next day
Caisse D'Epargne Ile de France	Bank transfer	Bank account	€63	-0.09 %	44.91 %	3 to 5 days
Caisse D'Epargne Ile de France	Bank transfer	Bank account	€63	0.07 %	45.07 %	3 to 5 days

Source: remittanceprices.worldbank.org

SpainAverage from this country: 6.29 %

Cheapest ten

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Remitly	Credit card	Bank account	€0.49	1.44 %	1.79 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	1.44 %	1.79 %	Under 1 hour
MoneyGram	Credit card	Cash	€1.99	1.21 %	2.63 %	Under 1 hour
MoneyGram	Debit card	Cash	€1.99	1.23 %	2.65 %	Under 1 hour
Money Exchange	Cash	Cash	€3	0.52 %	2.66 %	Next day
MoneyGram	Credit card	Bank account	€2.99	0.79 %	2.93 %	Under 1 hour
MoneyGram	Debit card	Bank account	€2.99	0.8 %	2.94 %	Under 1 hour
Remitly	Credit card	Cash	€2.99	1.44 %	3.58 %	3 to 5 days
Remitly	Debit card	Cash	€2.99	1.44 %	3.58 %	3 to 5 days
Ria	Bank transfer	Cash	€2.99	1.48 %	3.62 %	3 to 5 days

All 22 offers surveyed

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Remitly	Credit card	Bank account	€0.49	1.44 %	1.79 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	1.44 %	1.79 %	Under 1 hour
MoneyGram	Credit card	Cash	€1.99	1.21 %	2.63 %	Under 1 hour
MoneyGram	Debit card	Cash	€1.99	1.23 %	2.65 %	Under 1 hour
Money Exchange	Cash	Cash	€3	0.52 %	2.66 %	Next day
MoneyGram	Credit card	Bank account	€2.99	0.79 %	2.93 %	Under 1 hour
MoneyGram	Debit card	Bank account	€2.99	0.8 %	2.94 %	Under 1 hour
Remitly	Credit card	Cash	€2.99	1.44 %	3.58 %	3 to 5 days
Remitly	Debit card	Cash	€2.99	1.44 %	3.58 %	3 to 5 days
Ria	Bank transfer	Cash	€2.99	1.48 %	3.62 %	3 to 5 days
Ria	Bank transfer	Bank account	€2.99	1.57 %	3.71 %	3 to 5 days
WorldRemit	Bank transfer	Cash	€1.99	2.46 %	3.88 %	Under 1 hour
WorldRemit	Credit card	Cash	€1.99	2.46 %	3.88 %	Under 1 hour
WorldRemit	Debit card	Cash	€1.99	2.46 %	3.88 %	Under 1 hour
Europhil	Cash	Cash	€5.50	0.24 %	4.17 %	Same day
Western Union	Bank transfer	Bank account	€3.99	1.72 %	4.57 %	Under 1 hour
Western Union	Credit card	Bank account	€3.99	1.72 %	4.57 %	Under 1 hour
Western Union	Debit card	Bank account	€3.99	1.72 %	4.57 %	Under 1 hour
Western Union	Credit card	Cash	€4.99	1.72 %	5.28 %	Under 1 hour
Western Union	Debit card	Cash	€4.99	1.72 %	5.28 %	Under 1 hour
La Caixa	Bank transfer	Bank account	€37	0.31 %	26.74 %	Same day
Exact Change	Bank transfer	Bank account	€25	21.91 %	39.77 %	2 days

Source: remittanceprices.worldbank.org

ItalyAverage from this country: 7.21 %

Cheapest ten

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Poste Italiane via Western Union	Debit card	Cash	€0.99	-1.83 %	-1.12 %	Under 1 hour
Poste Italiane via MoneyGram	Cash	Cash	€3	-2.59 %	-0.45 %	Next day
Remitly	Credit card	Bank account	€0.49	0.79 %	1.14 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	0.79 %	1.14 %	Under 1 hour
MoneyGram	Debit card	Bank account	€0.99	0.84 %	1.55 %	Under 1 hour
MoneyGram	Credit card	Bank account	€0.99	1.19 %	1.9 %	Under 1 hour
Ria	Credit card	Cash	€2.50	0.15 %	1.94 %	Under 1 hour
Ria	Debit card	Cash	€2.50	0.15 %	1.94 %	Under 1 hour
MoneyGram	Debit card	Cash	€2.50	0.3 %	2.09 %	Under 1 hour
MoneyGram	Credit card	Cash	€2.50	0.65 %	2.44 %	Under 1 hour

All 29 offers surveyed

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Poste Italiane via Western Union	Debit card	Cash	€0.99	-1.83 %	-1.12 %	Under 1 hour
Poste Italiane via MoneyGram	Cash	Cash	€3	-2.59 %	-0.45 %	Next day
Remitly	Credit card	Bank account	€0.49	0.79 %	1.14 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	0.79 %	1.14 %	Under 1 hour
MoneyGram	Debit card	Bank account	€0.99	0.84 %	1.55 %	Under 1 hour
MoneyGram	Credit card	Bank account	€0.99	1.19 %	1.9 %	Under 1 hour
Ria	Credit card	Cash	€2.50	0.15 %	1.94 %	Under 1 hour
Ria	Debit card	Cash	€2.50	0.15 %	1.94 %	Under 1 hour
MoneyGram	Debit card	Cash	€2.50	0.3 %	2.09 %	Under 1 hour
MoneyGram	Credit card	Cash	€2.50	0.65 %	2.44 %	Under 1 hour
WorldRemit	Credit card	Cash	€0	2.5 %	2.5 %	Under 1 hour
WorldRemit	Debit card	Cash	€0	2.5 %	2.5 %	Under 1 hour
Remitly	Credit card	Cash	€2.99	0.79 %	2.93 %	3 to 5 days
Remitly	Debit card	Cash	€2.99	0.79 %	2.93 %	3 to 5 days
Western Union	Credit card	Cash	€2.99	1.25 %	3.39 %	Under 1 hour
Western Union	Debit card	Cash	€2.99	1.25 %	3.39 %	Under 1 hour
Western Union	Credit card	Bank account	€1.99	2.43 %	3.85 %	Next day
Western Union	Debit card	Bank account	€1.99	2.43 %	3.85 %	Next day
Banque Chaabi de Maroc	Cash	Bank account	€6.24	0.23 %	4.69 %	Same day
Wise	Bank transfer	Bank account	€6.86	0.02 %	4.92 %	3 to 5 days
Attijariwafa Bank	Bank transfer	Bank account	€7	0.64 %	5.64 %	Same day
Wise	Debit card	Bank account	€7.95	0.02 %	5.7 %	6 days or more
Banca Intesa SanPaolo via Western Union	Bank transfer	Cash	€7.50	0.36 %	5.72 %	Under 1 hour
Wise	Credit card	Bank account	€8.78	0.02 %	6.29 %	6 days or more
Extrabanca	Bank transfer	Bank account	€25	1.48 %	19.34 %	2 days
Extrabanca	Bank transfer	Cash	€25	1.48 %	19.34 %	2 days
Unicredit Banca	Bank transfer	Bank account	€38.50	2.61 %	30.11 %	2 days
Banca Intesa SanPaolo	Bank transfer	Bank account	€47	0 %	33.57 %	Next day
Banca Intesa SanPaolo	Cash	Bank account	€50.10	0 %	35.79 %	Next day

Source: remittanceprices.worldbank.org

BelgiumAverage from this country: 3.86 %

Cheapest ten

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
MoneyGram	Debit card	Bank account	€0	1.18 %	1.18 %	Under 1 hour
MoneyGram	Credit card	Bank account	€0	1.51 %	1.51 %	Under 1 hour
MoneyGram	Credit card	Cash	€2.50	0.36 %	2.15 %	Under 1 hour
Ria	Cash	Cash	€2.50	0.95 %	2.74 %	Under 1 hour
MoneyGram	Debit card	Cash	€2.99	0.78 %	2.92 %	Under 1 hour
Atena Money Transfert	Cash	Cash	€4	0.48 %	3.34 %	Under 1 hour
Remitly	Credit card	Cash	€1.99	2.11 %	3.53 %	3 to 5 days
Remitly	Debit card	Cash	€1.99	2.11 %	3.53 %	3 to 5 days
Remitly	Bank transfer	Cash	€1.99	2.17 %	3.59 %	Under 1 hour
Western Union	Bank transfer	Bank account	€1.99	2.27 %	3.69 %	Next day

All 22 offers surveyed

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
MoneyGram	Debit card	Bank account	€0	1.18 %	1.18 %	Under 1 hour
MoneyGram	Credit card	Bank account	€0	1.51 %	1.51 %	Under 1 hour
MoneyGram	Credit card	Cash	€2.50	0.36 %	2.15 %	Under 1 hour
Ria	Cash	Cash	€2.50	0.95 %	2.74 %	Under 1 hour
MoneyGram	Debit card	Cash	€2.99	0.78 %	2.92 %	Under 1 hour
Atena Money Transfert	Cash	Cash	€4	0.48 %	3.34 %	Under 1 hour
Remitly	Credit card	Cash	€1.99	2.11 %	3.53 %	3 to 5 days
Remitly	Debit card	Cash	€1.99	2.11 %	3.53 %	3 to 5 days
Remitly	Bank transfer	Cash	€1.99	2.17 %	3.59 %	Under 1 hour
Western Union	Bank transfer	Bank account	€1.99	2.27 %	3.69 %	Next day
Western Union	Credit card	Bank account	€1.99	2.27 %	3.69 %	Next day
Western Union	Debit card	Bank account	€1.99	2.27 %	3.69 %	Next day
WorldRemit	Credit card	Cash	€1.99	2.63 %	4.05 %	Under 1 hour
WorldRemit	Debit card	Cash	€1.99	2.63 %	4.05 %	Under 1 hour
WorldRemit	Bank transfer	Cash	€1.99	2.89 %	4.31 %	Under 1 hour
La Poste via Ria	Cash	Cash	€4	1.61 %	4.47 %	Under 1 hour
Wise	Bank transfer	Bank account	€6.86	0.02 %	4.92 %	3 to 5 days
Banque Populaire	Bank transfer	Bank account	€5	1.63 %	5.2 %	3 to 5 days
Banque Populaire	Bank transfer	Bank account	€5	1.66 %	5.23 %	3 to 5 days
Western Union	Bank transfer	Cash	€3.99	2.67 %	5.52 %	Under 1 hour
Attijariwafa Bank	Bank transfer	Bank account	€6	1.49 %	5.78 %	3 to 5 days
Attijariwafa Bank	Bank transfer	Bank account	€6	1.54 %	5.83 %	3 to 5 days

Source: remittanceprices.worldbank.org

NetherlandsAverage from this country: 5.57 %

Cheapest ten

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Western Union	Debit card	Cash	€4.50	-2.23 %	0.98 %	Under 1 hour
Western Union	Credit card	Cash	€4.50	-2.22 %	0.99 %	Under 1 hour
Paysend	Bank transfer	Bank account	€1.50	1.03 %	2.1 %	Under 1 hour
Paysend	Debit card	Bank account	€1.50	1.03 %	2.1 %	Under 1 hour
Remitly	Bank transfer	Bank account	€0.49	2.52 %	2.87 %	Under 1 hour
Remitly	Credit card	Bank account	€0.49	2.52 %	2.87 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	2.52 %	2.87 %	Under 1 hour
Western Union	Bank transfer	Bank account	€1.99	2.21 %	3.63 %	2 days
Western Union	Credit card	Bank account	€1.99	2.21 %	3.63 %	Under 1 hour
Western Union	Debit card	Bank account	€1.99	2.21 %	3.63 %	Under 1 hour

All 25 offers surveyed

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Western Union	Debit card	Cash	€4.50	-2.23 %	0.98 %	Under 1 hour
Western Union	Credit card	Cash	€4.50	-2.22 %	0.99 %	Under 1 hour
Paysend	Bank transfer	Bank account	€1.50	1.03 %	2.1 %	Under 1 hour
Paysend	Debit card	Bank account	€1.50	1.03 %	2.1 %	Under 1 hour
Remitly	Bank transfer	Bank account	€0.49	2.52 %	2.87 %	Under 1 hour
Remitly	Credit card	Bank account	€0.49	2.52 %	2.87 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	2.52 %	2.87 %	Under 1 hour
Western Union	Bank transfer	Bank account	€1.99	2.21 %	3.63 %	2 days
Western Union	Credit card	Bank account	€1.99	2.21 %	3.63 %	Under 1 hour
Western Union	Debit card	Bank account	€1.99	2.21 %	3.63 %	Under 1 hour
Remitly	Bank transfer	Cash	€1.99	2.52 %	3.94 %	3 to 5 days
Remitly	Credit card	Cash	€1.99	2.52 %	3.94 %	3 to 5 days
Ria	Cash	Bank account	€3	2.07 %	4.21 %	2 days
WorldRemit	Credit card	Cash	€1.99	2.99 %	4.41 %	Under 1 hour
WorldRemit	Debit card	Cash	€1.99	2.99 %	4.41 %	Under 1 hour
WorldRemit	Bank transfer	Cash	€1.99	3.23 %	4.65 %	Under 1 hour
MoneyGram	Debit card	Cash	€3.99	2.08 %	4.93 %	Under 1 hour
MoneyGram	Credit card	Cash	€3.99	2.15 %	5 %	Under 1 hour
Western Union	Bank transfer	Cash	€3.99	2.33 %	5.18 %	2 days
Ria	Cash	Cash	€5	2.12 %	5.69 %	Under 1 hour
Wise	Debit card	Bank account	€7.95	0.02 %	5.7 %	6 days or more
Wise	Credit card	Bank account	€8.78	0.02 %	6.29 %	6 days or more
Rabobank	Bank transfer	Bank account	€21	0 %	15 %	2 days
Rabobank	Bank transfer	Bank account	€21	0 %	15 %	2 days
ABN AMRO Bank	Bank transfer	Bank account	€35	0.18 %	25.18 %	Under 1 hour

Source: remittanceprices.worldbank.org

GermanyAverage from this country: 4.11 %

Cheapest ten

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Ria	Bank transfer	Bank account	€0.80	1.67 %	2.24 %	3 to 5 days
MoneyGram	Debit card	Cash	€2.50	0.64 %	2.43 %	Under 1 hour
Remitly	Bank transfer	Bank account	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Bank transfer	Mobile wallet	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Credit card	Bank account	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Credit card	Mobile wallet	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Debit card	Mobile wallet	€0.49	2.15 %	2.5 %	Under 1 hour
ACE Money Transfer	Debit card	Cash	€2.99	0.42 %	2.56 %	Under 1 hour
MoneyGram	Credit card	Cash	€2.50	0.85 %	2.64 %	Under 1 hour

All 33 offers surveyed

Service	You pay by	Received as	Fee	Rate margin	Total cost	Speed
Ria	Bank transfer	Bank account	€0.80	1.67 %	2.24 %	3 to 5 days
MoneyGram	Debit card	Cash	€2.50	0.64 %	2.43 %	Under 1 hour
Remitly	Bank transfer	Bank account	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Bank transfer	Mobile wallet	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Credit card	Bank account	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Credit card	Mobile wallet	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Debit card	Bank account	€0.49	2.15 %	2.5 %	Under 1 hour
Remitly	Debit card	Mobile wallet	€0.49	2.15 %	2.5 %	Under 1 hour
ACE Money Transfer	Debit card	Cash	€2.99	0.42 %	2.56 %	Under 1 hour
MoneyGram	Credit card	Cash	€2.50	0.85 %	2.64 %	Under 1 hour
Ria	Bank transfer	Cash	€3.50	0.67 %	3.17 %	3 to 5 days
Ria	Credit card	Cash	€3.90	0.67 %	3.46 %	Under 1 hour
Ria	Debit card	Cash	€3.90	0.67 %	3.46 %	Under 1 hour
Western Union	Credit card	Bank account	€1.99	2.35 %	3.77 %	Next day
Western Union	Debit card	Bank account	€1.99	2.35 %	3.77 %	Next day
Western Union	Credit card	Cash	€3.99	1.03 %	3.88 %	Under 1 hour
Western Union	Debit card	Cash	€3.99	1.03 %	3.88 %	Under 1 hour
Remitly	Bank transfer	Cash	€2.49	2.15 %	3.93 %	3 to 5 days
Remitly	Credit card	Cash	€2.49	2.15 %	3.93 %	3 to 5 days
Remitly	Debit card	Cash	€2.49	2.15 %	3.93 %	3 to 5 days
Attijariwafa Bank	Bank transfer	Bank account	€2	2.64 %	4.07 %	2 days
WorldRemit	Bank transfer	Cash	€1.99	2.69 %	4.11 %	Under 1 hour
WorldRemit	Credit card	Cash	€1.99	2.69 %	4.11 %	Under 1 hour
WorldRemit	Debit card	Cash	€1.99	2.69 %	4.11 %	Under 1 hour
Chaabi Bank	Credit card	Bank account	€2	2.85 %	4.28 %	2 days
Chaabi Bank	Bank transfer	Bank account	€2	2.9 %	4.33 %	2 days
Chaabi Bank	Debit card	Bank account	€2	2.9 %	4.33 %	2 days
Wise	Bank transfer	Bank account	€6.86	0.02 %	4.92 %	6 days or more
Wise	Debit card	Bank account	€7.95	0.02 %	5.7 %	6 days or more
Attijariwafa Bank	Bank transfer	Bank account	€5	2.64 %	6.21 %	2 days
Wise	Credit card	Bank account	€8.78	0.02 %	6.29 %	6 days or more
Postbank via Western Union	Bank transfer	Cash	€3.99	5.93 %	8.78 %	2 days
Western Union	Cash	Cash	€5.50	8.27 %	12.2 %	Under 1 hour

Source: remittanceprices.worldbank.org

Source: World Bank, Remittance Prices Worldwide

The services, one by one

Wise

App or website

Sends from: France, Italy, Belgium, Netherlands, Germany, United Kingdom
Arrives as: Bank account

Wise pays only into a bank account in Morocco, in dirhams. You need the recipient's 24-digit account number (RIB). There is no cash pick-up.

Website

Source: wise.com

Remitly

App or website

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany
Arrives as: Bank account, Cash, Mobile wallet
Cash paid out by: Cash Plus, Wafacash, Damane Cash, Barid Cash, Banque Populaire

Remitly pays into a bank account, in cash or into an Orange Money wallet. From France, Remitly advertises no fee on deposits to a bank account.

Website

Source: remitly.com

WorldRemit

App or website

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany, United Kingdom, Canada, United States
Arrives as: Bank account, Cash, Mobile wallet
Cash paid out by: Al Barid Bank, Cash Plus, Damane Cash

WorldRemit pays by bank transfer, cash pick-up or mobile money. WorldRemit limits a cash pick-up to 80,000 dirhams per transfer.

Website

Source: worldremit.com

Sendwave

App or website

Sends from: France, United Kingdom, Canada, United States
Arrives as: Cash

Sendwave works only through its mobile app. To Morocco, Sendwave pays out in cash only. Part of the cost is in the exchange rate.

Website

Source: sendwave.com

Taptap Send

App or website

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany, United Kingdom, Canada, United States, United Arab Emirates, Qatar
Arrives as: Bank account, Cash, Mobile wallet
Cash paid out by: Cash Plus, Wafacash, Barid Cash, Al Barid Bank, Lana Cash

Taptap Send charges no fee to a bank account or an Orange Money wallet. Cash pick-up costs 2.99 euros from France and 2.50 euros from Spain, Italy, Belgium, the Netherlands or Germany. The rate includes a margin.

Website

Source: help.taptapsend.com

Western Union

Agents and online

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany
Arrives as: Bank account, Cash, Mobile wallet
Cash paid out by: Cash Plus, Barid Cash

With Western Union you can send online, in the app or at an agent. Western Union pays into a bank account, in cash at an agent or into an Orange Money wallet.

Website

Source: westernunion.com

MoneyGram

Agents and online

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany
Arrives as: Bank account, Cash
Cash paid out by: Barid Cash, Al Barid Bank, Cash Plus, Wafacash, Damane Cash, Lana Cash, Chaabi Cash, CIH Bank

With MoneyGram you can send online or at an agent. The MoneyGram fee changes with the amount, how you pay, how the money is received and where it is collected.

Website

Source: moneygram.com

Ria Money Transfer

Agents and online

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany
Arrives as: Bank account, Cash, Mobile wallet
Cash paid out by: Wafacash, Cash Plus, Damane Cash, Barid Cash, Banque Populaire

With Ria Money Transfer you can send online or at an agent. Cash is paid at more than 14,000 partner points in Morocco. Ria Money Transfer also pays into a bank account or an Orange Money wallet.

Website

Source: riamoneytransfer.com

Revolut

App or website

Sends from: Netherlands
Arrives as: Bank account

Revolut sends dirhams to a bank account. A Revolut bank transfer from the Netherlands usually arrives within 3 to 5 business days.

Website

Source: revolut.com

Paysend

App or website

Sends from: France, Netherlands
Arrives as: Bank account, Mobile wallet

Paysend pays to a bank card, a bank account or a digital wallet in Morocco. From France, the Paysend fee starts at 0 euros.

Website

Source: paysend.com

Xoom

App or website

Sends from: France, Spain, Italy, Belgium, Netherlands, Germany, United Kingdom, Canada, United States
Arrives as: Bank account, Cash
Cash paid out by: Wafacash, Cash Plus, Banque Populaire

Xoom pays by deposit to the main Moroccan banks or by cash pick-up.

Website

Source: xoom.com

Moneytrans

Agents and online

Sends from: France, Spain, Italy, Belgium, Netherlands
Arrives as: Bank account, Cash
Cash paid out by: Cash Plus, BMCE Bank, Wafacash, La Poste, Al Barid Bank

With Moneytrans, cash is ready in about 1 hour, depending on the partner. A deposit to a bank account takes 48 to 72 hours. Moneytrans has 6,500 payment points in Morocco.

Website

Source: moneytrans.eu

TransferGo

App or website

Sends from: France
Arrives as: Bank account, Cash

TransferGo pays to a bank card, a bank account or in cash. A transfer to a card usually takes a few minutes. The TransferGo fee changes with how you pay and how the money is received.

Website

Source: transfergo.com

Xe

App or website

Sends from: United States
Arrives as: Bank account, Cash

Xe pays by bank deposit or by cash pick-up at more than 9,000 points in Morocco. From the United States, an Xe transfer takes from a few minutes to 3 business days.

Website

Source: xe.com

Attijariwafa bank Europe

Moroccan bank abroad

Sends from: France, Spain, Italy, Belgium, Germany
Arrives as: Bank account

The Attijariwafa bank Europe site for France states that online transfers to Morocco are free and available in 2 hours.

Website

Source: particuliers.attijariwafabank-europe.fr

Chaabi Bank

Moroccan bank abroad

Sends from: France, Italy, Germany
Arrives as: Bank account, Cash
Cash paid out by: Banque Populaire

For a Chaabi Bank transfer to an account, the recipient's account must be at Banque Populaire in Morocco. It is credited in 24 hours if you confirm before 16:00, otherwise within 48 hours at most.

Website

Source: chaabibank.fr

Bank of Africa - BMCE EuroServices (DabaTransfer)

Moroccan bank abroad

Sends from: France, Spain, Netherlands
Arrives as: Bank account

With DabaTransfer, the mobile app of BMCE EuroServices, you can send money to Morocco without going to a branch.

Website

Source: bankofafrica.ma

Where the cash is collected in Morocco

Wafacash

Pays out transfers from: Remitly, Taptap Send, MoneyGram, Ria Money Transfer, Xoom, Moneytrans

Taptap Send limits a cash pick-up at Wafacash to between 10 and 50,000 dirhams per transfer and states that there is no fee to collect the cash.

Website

Cash Plus

Pays out transfers from: Remitly, WorldRemit, Taptap Send, Western Union, MoneyGram, Ria Money Transfer, Xoom, Moneytrans

Cash Plus has more than 5,300 points of sale.

Website

Barid Cash

Group: Al Barid Bank

Pays out transfers from: Remitly, Taptap Send, Western Union, MoneyGram, Ria Money Transfer, Dirham Express, Mandati Express, PosTransfert, EuroGiro, Instant Cash

Barid Cash has a network of more than 600 agencies.

Website

Al Barid Bank

Pays out transfers from: WorldRemit, Taptap Send, MoneyGram, Moneytrans

Cash is paid at Al Barid Bank branches. WorldRemit limits a cash pick-up there to 80,000 dirhams per transfer.

Chaabi Cash

Pays out transfers from: MoneyGram

Damane Cash

Pays out transfers from: Remitly, WorldRemit, MoneyGram, Ria Money Transfer

Lana Cash

Pays out transfers from: Taptap Send, MoneyGram

Taptap Send limits a cash pick-up at Lana Cash to between 100 and 80,000 dirhams per transfer.

Orange Money

Pays out transfers from: Remitly, Taptap Send, Western Union, Ria Money Transfer

Orange Money is a mobile wallet, not a cash counter. Taptap Send limits a transfer to Orange Money to between 100 and 1,000 dirhams.

Good to know

The recipient is paid in dirhams: Wise states that the recipient gets the money in dirhams. Each service uses its own exchange rate, so compare the amount your recipient gets, not only the fee. Source: wise.com
Sending to a bank account: Wise states that you need the recipient's full name and 24-digit account number (RIB), which is not an IBAN, and that the recipient's bank may charge up to 20 dirhams to receive the transfer. Source: wise.com
Collecting cash: Taptap Send states that the recipient shows a valid identity document and the transfer code, and that the name you enter must match the identity document exactly. Source: help.taptapsend.com
Limits on cash pick-up: Each service sets its own limit. For example, WorldRemit limits a cash pick-up to 80,000 dirhams per transfer. Source: worldremit.com
No fee to collect the cash: The Taptap Send fee for a cash pick-up is charged to the sender and depends on the sending country. Taptap Send states that the recipient pays no fee to collect at Cash Plus or Wafacash. Source: help.taptapsend.com

In short

What a transfer really costs

Cheapest ten

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The services, one by one

Where the cash is collected in Morocco

Good to know

See also