Morocco’s roughly 38.4 million residents in 2025 use dirham banking, cards and mobile-payment services. Domestic acquiring and account transfers connect local merchants with customers, while overseas networks serve cross-border commerce in an economy with GDP per capita near US$4,700.
Cash in Morocco
Dirham cash continues to play an important role for Morocco's small purchases and markets. Cards serve larger shops and hotels, while banknotes remain useful beyond tourism; the dirham's limited convertibility shapes cash access.
Payment Methods
Estimated Monthly Usage, Aurato Research, October 2026
Schemes
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Systems
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