Coinepay | How to Send Money to Morocco from Italy: Step-by-Step Guide

Sending money from Italy to Morocco is one of the most common cross-border payments made along the Mediterranean, whether you are supporting family, paying for a service or settling with a supplier. Coinepay Global Remittance supports transfers to Morocco from Italy, with a clear view of the exchange rate and fees before you confirm, plus status tracking from the dashboard or the mobile app. This guide walks through what you need, the local payout methods you can choose, and how to send step by step.

Before you start: what the sender needs

To send a transfer to Morocco, you first need a Coinepay account with identity verification (KYC) completed. Every transfer is also subject to sanctions screening and local regulations, and Coinepay may ask for supporting documents such as the purpose of the payment or the source of funds, so it helps to have these ready.

From the recipient's side, gather the following before you begin:

The recipient's full legal name exactly as it appears on their bank account or government ID. A name that does not match can cause a payout to be rejected.
The payout details for the method you choose — see the next section for what each one requires.
A way to reach the recipient, such as a phone number, so they can be notified and, for cash pickup, collect the funds.

The local currency is the Moroccan dirham (MAD). Depending on the recipient and their bank, funds may arrive as dirham or into a permitted foreign-currency or convertible-dirham account; your recipient should confirm with their bank how they will receive the money.

Local payout methods to Morocco

Coinepay supports common local payout methods. Availability of a specific method can depend on the transfer and the recipient's bank or location, so check what is offered in the app when you set up the transfer.

Bank account deposit

For a deposit into a Moroccan bank account, you will typically need the recipient's full name and their domestic account identifier. In Morocco this is the RIB (Relevé d'Identité Bancaire), a 24-digit number that contains the bank and branch identifiers, the account number and a check key. For a bank wire, the receiving bank may also use a longer identifier beginning with the country code MA that it refers to as an IBAN, together with the bank's SWIFT/BIC code.

Whether your recipient's bank expects the 24-digit RIB or the longer MA identifier can vary. Ask the receiving bank which identifier the sending service should use, and get the exact SWIFT/BIC if a wire is needed.

The local clearing identifier is normally contained within the RIB, so a separate domestic routing code is generally not required. If the Coinepay form asks for a reason for the payment, state it clearly in English.

Mobile wallet

Mobile-wallet payout sends money to a cash or wallet account the recipient can access from their phone. For this method you usually need the recipient's full name and the mobile number registered to their wallet. Confirm with your recipient which wallet or service they use and that the number you provide is the one linked to it.

Cash pickup

With cash pickup, the recipient collects the funds in person at an agent location. Morocco has a wide payout network operated through banks and cash-transfer providers — names that appear in this market include Banque Populaire, Cash Plus, Wafacash and Damane Cash. For cash pickup you will typically need the recipient's full legal name as shown on the ID they will present. The recipient should bring valid identification and any reference number generated for the transfer. Agent opening hours, identification requirements and local currency availability can affect when the money can be collected.

Step-by-step: sending the transfer

Sign in to Coinepay. Open the mobile app (iOS or Google Play) or the dashboard. If you are new, register and complete identity verification first.
Start a new remittance and choose the destination. Select Morocco as the destination country and Italy as where you are sending from. Choose the payout currency and method — bank deposit, mobile wallet or cash pickup.
Enter the recipient's details. Type the recipient's full legal name and the payout details for your chosen method (RIB or MA identifier and SWIFT/BIC for a bank deposit, the registered mobile number for a wallet, or the name as shown on ID for cash pickup). Double-check every digit.
Review the exchange rate and fees. Coinepay shows the rate and any fees clearly before you confirm. Review the amount your recipient will receive and the total you will pay.
Add any required information. If prompted, state the purpose of the payment and provide documents for compliance, such as the source of funds.
Confirm and fund the transfer. Once you are satisfied, confirm the transfer and complete payment.
Track the status. Follow the transfer's progress in the app or dashboard, and share any reference number with your recipient if the payout method needs it.

Recipient-side considerations

How quickly and in what form the money becomes available depends on the recipient's bank or the payout provider. For bank deposits, the recipient's bank handles the final crediting and may apply its own checks. Moroccan foreign-exchange rules allow eligible residents, non-residents and Moroccans living abroad to receive transfers from abroad into certain foreign-currency or convertible-dirham accounts; the exact handling is between your recipient and their bank. For ordinary family remittances, your recipient should simply confirm how the funds will land and whether their bank needs anything from them.

Troubleshooting

Wrong recipient details

An incorrect name or account number is a common reason a receiving bank rejects and returns a payment. Before you confirm, compare the recipient's name and RIB (or other identifier) against what their bank has on file. If you spot a mistake after sending, contact Coinepay support as soon as possible.

Compliance review

Transfers are screened against sanctions lists and may be held for additional checks. If Coinepay asks for more information, such as the purpose or source of funds, respond promptly to help the review move forward. Coinepay does not send to sanctioned persons or jurisdictions under comprehensive sanctions.

Delays

Several ordinary factors can extend delivery beyond an estimate: funding method, currency conversion, weekends or public holidays, and security checks. For cash pickup specifically, agent opening hours, identification requirements, local currency availability and regulatory issues can affect when funds can be collected. Use status tracking to see where your transfer is.

Returned transfers

A bank can reject a payment even when the details look correct, which sends the funds back. If a transfer is returned, check your account for a status update, review the recipient details, correct anything that was wrong and send again. If the reason is unclear, reach out to Coinepay support.

Get help

If you are unsure which identifier your recipient's bank needs, or a transfer does not behave as expected, Coinepay support is available 24/7 through the help channel or Telegram. Always use your real identity and accurate recipient details so your transfer to Morocco clears smoothly.

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FAQ

What details do I need to send money to a bank account in Morocco?

You need the recipient's full legal name and their account identifier. Morocco uses a 24-digit RIB that contains the bank, branch, account number and check key. For a bank wire you may also need the longer MA identifier your recipient's bank calls an IBAN, plus the bank's SWIFT/BIC. Ask the receiving bank which one to use.

Can I send to a mobile wallet or for cash pickup in Morocco?

Yes. Coinepay supports bank deposit, mobile wallet and cash pickup payouts. Availability can depend on the transfer and location, so check the options shown in the app. For wallets you typically need the registered mobile number; for cash pickup you need the recipient's name exactly as shown on the ID they will present.

How much are the fees and what exchange rate will I get?

Coinepay shows the exchange rate and any fees clearly before you confirm the transfer, so you can review the amount your recipient receives and the total you pay. Because these vary, check the figures in the app each time before confirming.

Why is my transfer to Morocco delayed?

Delays can come from the funding method, currency conversion, weekends or public holidays, and security or compliance checks. Cash pickup can also be affected by agent hours, identification requirements and local currency availability. Track the status in the app and respond quickly if Coinepay requests more information.

What happens if I enter the wrong recipient details?

An incorrect name or account number can cause the receiving bank to reject and return the payment. Double-check every detail before confirming. If you notice a mistake after sending, contact Coinepay support right away, and if a transfer is returned, correct the details and send again.

How to Send Money to Morocco from Italy: Step-by-Step Guide