19 May 2025
Whether you use banks, online money transfer services, or mobile wallets, fees vary widely. This guide breaks down typical costs involved to send money online to Morocco from France, so you can make informed choices and keep more money in your loved ones’ hands.
Sending money to family in Morocco is a common and essential act for many expats living in France. Yet, while most people focus on how fast their transfer will be or the exchange rate, many overlook the hidden fees that quietly chip away at the money they send. In 2025, knowing what you’re really paying in fees for money transfer from France to Morocco is critical for making your remittances stretch further.
Whether you use banks, online money transfer services, or mobile wallets, fees vary widely. This guide breaks down typical costs involved to send money online to Morocco from France, so you can make informed choices and keep more money in your loved ones’ hands.
When sending money abroad, fees generally fall into a few categories:
These are upfront charges for processing your remittance. Banks usually charge fixed or percentage-based fees, which can be higher for international transfers. Digital services like ACE Money Transfer often have lower or waived fees, especially for first-time users or promotions.
The exchange rate is the value used to convert euros to Moroccan dirhams (MAD). Providers rarely use the mid-market rate (the true market rate). Instead, they add a margin, effectively marking up the rate to make a profit. This margin can cost you more than the explicit transfer fee.
Some Moroccan banks or mobile wallet providers charge fees for receiving international transfers. While many popular payout options like cash pickups are free for the receiver, always check if your recipient’s bank or wallet applies charges.
Paying with a credit or debit card might incur additional fees. Bank transfers from your French account are often cheaper but might take longer.
Let’s look at typical fees charged by different providers in 2025 to send money from France to Morocco:
Provider | Transfer Fee | Exchange Rate Margin* | Payment Method Fees | Receiving Fee | Notes |
Traditional Banks | €10 - €30 | High (~3-5%) | May apply | Possible | Often slow; high fees and poor exchange rates |
ACE Money Transfer | €0 - €3 | Low (~1-1.5%) | Minimal | Usually free | Transparent fees; multiple payout options |
Western Union | €3 - €10 | Moderate (~2-3%) | May apply | Sometimes | Large network but fees can add up |
MoneyGram | €4 - €8 | Moderate (~2-3%) | May apply | Possible | Competitive fees but rates vary |
*Exchange rate margins are estimated as the difference from the mid-market rate.
Many expats mistakenly look only at the transfer fee, but the exchange rate margin often represents the largest cost. For example:
Following are some of the tips to save on fees.
Online platforms like ACE Money Transfer often have better rates and lower fees than banks.
Rates fluctuate, so sending when the euro is strong against the dirham can help.
Bank transfers usually incur fewer fees than debit or credit card payments.
Larger, less frequent transfers reduce total fees paid.
Many providers waive fees or offer better rates to attract new customers.
Following are the hidden fees:
Sometimes, transfers routed through multiple banks incur hidden fees deducted from the amount sent.
Some pickup locations charge service fees.
If the recipient withdraws funds in a different currency, extra conversion fees apply.
Providers who clearly show total fees upfront — including exchange rates and receiving fees — help you make better choices. Hidden costs can erode the value of your transfer significantly, so always request a full cost breakdown before sending.
Maximize Your Transfer: Save on Fees Sending Money to Morocco from France
When sending money to Morocco from France in 2025, understanding what you’re really paying in fees helps you keep more money for your loved ones. Transfer fees, exchange rate margins, and other hidden charges all add up. Choosing reliable, transparent services like ACE Money Transfer and following smart sending practices can minimize these costs.
By being informed and cautious, you can make your hard-earned money go further, ensuring your family receives the full support you intend.
Providers add a margin to the mid-market rate to cover costs and profit, which causes variations.
Usually yes, because online services have lower overhead and competitive pricing.
Some providers offer fee-free promotions, but exchange rate margins still apply.
Often no, but it depends on the payout agent’s policy.
Compare rates on multiple platforms and use currency tracking tools.
