Living in Morocco has allowed me to witness the rapid rise of mobile payment apps in Morocco and how they are reshaping everyday financial transactions. As we head into 2025, these digital solutions have become essential for managing everything from shopping to bill payments, making life significantly more convenient.
In this article, I’ll be sharing my top ten mobile payment apps that are gaining popularity across the country. Each app offers unique features tailored to meet the diverse needs of users, whether you’re a local or a visitor. Join me as we explore the best options to enhance your payment experience in Morocco!
1. Wise

Want to send money from Casablanca to anywhere in the world without getting stung by hidden fees? I’ve discovered Wise to be the ultimate solution for Moroccans handling international transfers. You’ll be amazed at how easily you can convert your dirhams at the real exchange rate, whether you’re paying for online shopping or supporting family abroad. I love that it connects smoothly with local Moroccan banks and offers instant transfers. Plus, you get a multi-currency card that’s perfect for souks and modern malls alike. Trust me, it’s the smartest way to manage your money in Morocco.
2. MT CASH

MT CASH is one of the leading mobile payment apps in Morocco that was launched by Maroc Telecom. This app was designed by Maroc Telecom to enable users to carry out digital transactions through their smartphone. MT CASH is used to facilitate all kinds of payment activities like paying merchants or bills. Moreover, you can also use this app to instantly transfer money to anywhere you want in Morocco, as well as, to deposit and withdraw money.
3. JumiaPay
JumiaPay is one of the most well-known mobile payment apps in Africa operating in countries like Nigeria, Egypt, Ghana, Morocco and Kenya. It is widely used in Morocco for carrying out financial transactions. JumiaPay is a mobile payment app that allows you to pay your utility bills, internet bills, service providers, mobile charges, as well as, enabling you to shop online, book a hotel, buy bus tickets and a lot more.
4. CIH MOBILE

CIH MOBILE is the official banking app of CIH MOBILE, and it is the leading mobile banking app in Morocco. Along with maintaining your account and finances, CIH MOBILE makes it easy for you to make purchases and payments through your phone. Using CIH MOBILE you can, pay your bills, vignette, orders, as well as, make transfers, view direct deposits, reload your phone, change bank branches and much more.
5. BPAY
BPAY is a very simple and straightforward mobile payment app that allows you to facilitate electronic payments via scanning QR codes. Use this app to make payments of any kind by just paying the merchant off by scanning the generated QR code. Moreover, you can make purchases through BPAY bank card as well. Additionally, transfer money to your friends from your phone to theirs in a simple manner.
6. BMCE Direct

BMCE Direct is a mobile banking app from renowned Moroccan bank, BMCE Bank. It is an all-in-one mobile banking app that facilitates more than just payment activities. Alongside paying bills and carrying out daily transactions, you can also swiftly transfer money all across the country with this app. Additionally, BMCE Direct allows users to engage and carry out transactions in the stock market and order a checkbook.
7. HPS Pay
HPS PAY is a mobile payment app that works completely differently from most other mobile apps by allowing you to make payments in innovative ways. HPS Pay is a payment app that allows you to pay with virtual coins, NFC or QR code scanning technology. That is why, this app is popular in stores, as it lets you transfer money or make P2P payments via QR codes or NFC. The currency of this app is called (Pi Coin).
8. Attijari Mobile
Attijari Mobile is the official banking app of Attijariwafa Bank, a multinational Moroccan commercial bank, that constantly tries to come up with innovative banking solutions. Its mobile banking app is a very efficient banking and mobile payment app that allows you to pay off your utility and mobile bills. Additionally, this app allows you to order a checkbook, check your balance, consult bank officials and more.
9. Orange et moi Maroc
Orange et moi Maroc is a mobile operating and payment app in Morocco that was designed by Orange Maroc. It aims to make your mobile life simple by typing in mobile operator options with payment abilities as well. You can use this app to link your credit card, and pay your mobile charges, landline, internet bills and much more. Furthermore, you can transfer your balance to a friend or a merchant over the internet through this app.
10. Fpay
Fpay is one of the quickest and most secure mobile payment solutions in Morocco. Fpay refers to “Fast Pay”, which highlights the quick nature of this app and how quickly it can carry out transactions. Use Fpay to quickly make payments or instantly transfer money whenever you want. Its payment services also help merchants analyze their payment options and then maximize them. Despite being launched in mid 2019, Fpay has rapidly grown to be one of Morocco’s best mobile payment apps.
11. Paysera
Paysera is one of the largest operating mobile wallet apps in Africa, and is hugely popular in Morocco as well. It is a mobile payment app that caters both to consumers and merchants. Consumers can use this app to conduct payments over the internet and make digital purchases from the comfort of their homes. However, merchants can also use this app as a payment gateway or directly accept payments through it, whatever they like. It’s an innovative and creative tool for managing payments.
12. PayPal
PayPal is a digital payment and electronic wallet app that can work like a conventional mobile payment app or a payment gateway. That is because it is heavily used by both consumers and merchants for making international payments, purchases and transfers. In fact, it is one of the most popular apps for making international payments from Morocco to Europe. It is also available in 200 countries, giving businesses in Morocco an incredible scope to expand globally.
Morocco sees thousands and thousands of tourists each year, which results in many multinational offices and commercial places setting up their offices and spaces in Morocco. This has led to an incredible rise in mobile payment apps, with most major banks in Morocco releasing them. CIH MOBILE and BMCE Direct are both two of the best banking apps, and mobile payment apps as well. Excellent conventional mobile payment options include, MT Cash and JumiaPay.