Morocco Money Guide: Dirham, Cash & Cards
The Moroccan Dirham (MAD)
Morocco's official currency is the dirham, abbreviated MAD or shown as DH. It is a 'closed' currency, which means it is officially restricted from being taken out of the country and is hard to obtain before you arrive.
Because of this, you should not buy large amounts of dirham at home. Instead, plan to exchange a small amount or withdraw cash once you land. Notes come in several denominations, and the dirham is divided into 100 centimes.
Getting Cash: ATMs and Exchange
ATMs are widely available in cities, airports, and tourist towns, and they are usually the easiest way to get dirham at a fair rate. Check your bank's foreign withdrawal fees, and choose to be charged in dirham rather than your home currency to avoid poor conversion rates.
You can also exchange major currencies like euros, US dollars, and British pounds at banks and official bureaux de change. Keep your exchange receipts, as you may need them to convert leftover dirham back before you leave.
Cash vs Cards
Cash is essential in Morocco. Souks, small restaurants, taxis, riads in the medina, market stalls, and tips almost always require cash, and many places do not accept cards at all.
Credit and debit cards are accepted at larger hotels, upscale restaurants, supermarkets, and some shops, mainly in cities. Carry a mix: enough cash for daily needs and a card as backup. Always have small denomination notes, since vendors often lack change.
Tipping and Daily Costs
Tipping, known locally as 'baksheesh', is customary and expected for many small services. Round up taxi fares, leave a little for waiters, and tip guides, hotel staff, and gas station attendants modestly.
Morocco can be very affordable, with cheap street food, taxis, and local markets, though tourist-heavy areas and guided tours cost more. Keeping small notes and coins handy makes everyday transactions and tipping much smoother.
Money Tips and Mistakes to Avoid
Before leaving Morocco, spend or convert your remaining dirham, as you generally cannot exchange it abroad. Convert back to a major currency at the airport bank if needed, keeping a small amount for last-minute purchases.
Beware of unofficial money changers offering 'great' rates, avoid showing large amounts of cash in markets, and split your money between a wallet and a hidden money belt. Inform your bank of your travel dates to prevent your card from being blocked.
| Place | Cash | Cards |
|---|---|---|
| Souks and market stalls | Yes | Rarely |
| Taxis | Yes | No |
| Medina riads and small cafes | Yes | Sometimes |
| Hotels and upscale restaurants | Yes | Usually |
| Supermarkets in cities | Yes | Usually |
Where cash and cards work in Morocco
FAQ
Can I get dirham before arriving in Morocco?
Not easily. The dirham is a closed currency restricted from leaving the country, so it is hard to buy abroad. Plan to withdraw from an ATM or exchange money after you arrive in Morocco.
Are credit cards widely accepted in Morocco?
Cards work at larger hotels, upscale restaurants, supermarkets, and some city shops, but souks, taxis, small cafes, and tips need cash. Always carry enough cash and keep a card as backup.
Should I use ATMs or exchange offices in Morocco?
ATMs in cities and airports are usually the easiest and offer fair rates; just watch for your bank's fees and choose to be charged in dirham. Official exchange offices and banks are good alternatives.
How much should I tip in Morocco?
Tipping is customary. Round up taxi fares, leave a few dirham for waiters and hotel staff, and tip guides modestly. Keep small notes and coins on hand to make tipping easy.
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