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How to Save on Remittance Fees While Supporting Family

How to Save on Remittance Fees While Supporting Family

21 Jul 2025


More than 5 million Moroccons are living outside Morocco. For most of them, remitting money home is more than commitment. Whether you’re helping your parents, supporting children, or paying for property or education, those euros carry deep meaning.

But between hidden fees, poor exchange rates, and slow services, sending money can often cost more than you think.

The good news? In 2025, there are smarter and more affordable ways to send money to Morocco, safely and quickly. Here’s how to save on transfer costs while still supporting your loved ones with peace of mind.

 

Know What You’re Paying For

Before hitting “send,” many people focus on just one number, the amount they’re sending.

But the real cost of remittance depends on:

  • Transfer fee (charged upfront or hidden)
  • Exchange rate (how many dirhams per euro)
  • Delivery speed (some fast options cost more)
  • Payout method (bank deposit vs. cash pickup) 
     

A service may offer “zero fees” but give a very poor exchange rate. That’s why you should always look at the total received amount, not just the sending fee.

 

 

Choose Low-Fee, Transparent Services

In 2025, many Moroccans in Italy are switching from traditional banks to digital transfer platforms. Why?

Because banks often charge:

  • €10–€30 per transaction
  • Poor exchange rates
  • Extra time for cross-border transfers 
     

A better option? Licensed digital remittance platforms like ACE Money Transfer.

 

 

With ACE, you get:

  • Low-cost transfers
  • Competitive exchange rates
  • Transparent pricing, no hidden fees
  • Fast delivery via bank deposit or cash pickup
  • Full tracking and customer support 
     

It’s one of the most cost-effective ways to send money to Morocco, especially if you transfer regularly.

 

Take Advantage of the 2025 Product Update

ACE has made it even easier, and cheaper, to send money to Morocco from Italy this year:

  • Instant bank deposits up to €2,000
  •  Connected to all major banks in Morocco
  •  Available through the mobile app or website
  •  Safe and confirmed within seconds

This new feature means your family doesn’t need to wait days, and you don’t need to worry about delays.

 

 

Send Larger Amounts, Less Frequently

Here’s a trick to save money long-term:

Instead of sending €100 four times a month (with four transaction fees), consider sending €400 once.

This reduces:

  • The number of fees
  • Risk of failed transactions
  • Time spent confirming each transfer 
     

As long as you plan ahead, this strategy can help you save hundreds of euros over a year.

 

Use Bank Transfers or Pickup, Based on Need

Bank transfers are typically the cheapest option, especially now that instant deposits are available in Morocco.

But if your recipient doesn’t have a bank account, cash pickup is still a good choice. Just be sure to use a service with known local partners and proper ID verification.

With ACE, you can choose either method based on your recipient’s location and convenience, without affecting the transfer cost much.

 

Avoid Sending on Weekends or Holidays

Exchange rates fluctuate daily. But in general:

  • Weekdays offer better rates
  • Weekends and holidays may have delays or lower exchange values
  • Some banks apply currency conversion charges on weekends 
     

To maximize savings, send money mid-week and avoid last-minute transfers when possible.

 

Compare Before You Commit

Before choosing a service, compare:

  • How much your recipient will receive
  • The euro-to-dirham rate today
  • Total transfer time
  • Fee breakdown (including currency margin) 
     

You can use tools like Google or XE.com to check real-time currency rates. Then, pick a service that offers a rate close to the live rate, and shows all charges clearly before you send.

 

Be Aware of Hidden Traps

Here are a few common traps that increase remittance costs:

  • “Zero-fee” transfers that give poor exchange rates
  • Services that charge extra for faster delivery
  • Sending cash with strangers or unverified agents
  • Using public Wi-Fi for mobile transfers 
     

Stick to licensed providers, secure networks, and services with full visibility of transfer details.

 

Don’t Waste Your Hard-Earned Money

In 2025, sending money to Morocco doesn’t have to cost you extra. With tools like ACE Money Transfer, you can enjoy:

  • Lower fees
  • Better exchange rates
  • Instant delivery
  • Transparent pricing
  • Full peace of mind 
     

And thanks to the new update, your loved ones can now receive instant bank deposits from Italy, up to €2,000, safe and secure.

You work hard. Don’t let hidden costs eat into your remittance. Send money to Morocco smartly, and let every euro make a difference back home.

 

FAQs

How can I send money to Morocco instantly?

To send money to Morocco instantly, You can use ACE Money Transfer’s new feature in 2025, send up to €2,000 instantly to any Moroccan bank.

 

Is it safe to use a remittance app?

Yes. However, check always if the money transfer service you are using is licensed, encrypted, and trusted. ACE is rated 4.7 on Trustpilot and used by thousands of Moroccans in Europe.

 

What is the cheap way to send money to Morocco in 2025?

Using digital platforms like ACE money transfer is often cheap than banks. They offer better exchange rates and low fees, especially for bank deposits.

 

What documents do I need to send money?

For sending money, generally, You’ll need a valid ID, recipient name and bank or ID details, and a payment method (card or bank account).


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