How much does it cost to send €500 from Germany to Morocco with Wise?

Wise typically charges between €3 and €6 total to send €500 to Morocco — a fixed fee of around €0.60–€1.20 plus a variable fee of 0.5–1.0%. That's far cheaper than a German bank like Sparkasse or Deutsche Bank, which can charge €25 or more per transfer plus a hidden exchange rate markup.

Can I send money to Morocco for free with Revolut?

Yes — on the free Standard plan, you can convert up to €1,000 per month with no exchange fee, as long as you transfer on a weekday. Revolut adds a 1% weekend surcharge on currency conversion, so on a €1,000 transfer that's an extra €10. Always send on a weekday to avoid this.

What bank account details does the recipient in Morocco need to receive a Wise transfer?

Moroccan banks use a 24-digit RIB number (Relevé d'Identité Bancaire) instead of a standard IBAN. Make sure you get this number from your recipient before sending for the first time. Wise works well with major Moroccan banks including Attijariwafa Bank, CIH Bank, BMCE Bank, and Banque Populaire.

Wise vs Revolut: which is better for monthly money transfers to Morocco?

If you send under €1,000 per month on weekdays, Revolut's free plan can cost you nothing. For larger amounts or if you prefer predictable, transparent fees every time, Wise is the more reliable choice. Either way, stop using your German bank for international transfers — you could save up to €240 a year.

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Wise vs Revolut: The Best Way to Send Money to Morocco from Germany — GoGermany

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Wise vs Revolut: The Best Way to Send Money to Morocco from Germany

2024-01-05

Sending money from Germany to Morocco? Compare Wise and Revolut on fees, exchange rates, and speed to find the best transfer option for you.

Every month, thousands of Moroccans living in Germany send money home — to support family, pay rent, or save in dirhams. But the wrong transfer method can silently eat 5–8% of your money before it even arrives. Wise and Revolut have changed the game for international transfers, offering real exchange rates and transparent fees that traditional banks simply cannot match. This guide breaks down exactly how both services work, how much they cost, and which one is better for sending money from Germany to Morocco.

Why Sending Money from Germany to Morocco Is Expensive the Old Way

German banks like Deutsche Bank, Sparkasse, and Commerzbank all offer international wire transfers — but they come at a price. A typical SWIFT transfer to a Moroccan bank account (in MAD or EUR) can cost:

€15–€35 in flat transfer fees
2–4% hidden margin baked into the exchange rate they offer you
1–5 business days for the money to arrive

If you're sending €500 home every month and your bank charges a 4% total markup, you're losing around €240 per year without realising it. Over five years, that's over €1,200 gone in fees.

This is why fintech apps like Wise and Revolut have become so popular among Moroccan expats in Berlin, Munich, Frankfurt, and Cologne.

How Wise Works for Germany–Morocco Transfers

Wise (formerly TransferWise) was built specifically to solve the hidden-fee problem in international transfers. It uses the mid-market exchange rate — the one you see on Google — and charges a small, transparent fee on top.

What Wise Charges to Send Money to Morocco

For a transfer from EUR (Germany) to MAD (Morocco), Wise typically charges:

A fixed fee of around €0.60–€1.20
A variable fee of 0.5–1.0% of the transfer amount

So if you send €500 to Morocco, your total fee is roughly €3–€6. Compare that to €25+ at a bank with a worse exchange rate, and the savings are obvious.

How to Use Wise

Go to wise.com and create a free account
Verify your identity (passport or German residence permit works fine)
Enter how much you want to send (EUR → MAD)
Add your recipient's Moroccan bank account details (IBAN or account number + bank name like Attijariwafa, CIH Bank, Banque Populaire)
Pay from your German bank account or debit card
Your recipient gets MAD in their Moroccan account within 1–2 business days

Does Wise Support Morocco Directly?

Yes. Wise supports transfers to Morocco in Moroccan Dirham (MAD). The recipient does not need a Wise account — just a regular Moroccan bank account. Moroccan banks that work well with incoming Wise transfers include Attijariwafa Bank, CIH Bank, BMCE Bank, and Banque Populaire.

How Revolut Works for Germany–Morocco Transfers

Revolut is a digital bank and money app based in the UK and EU. It's very popular in Germany as a day-to-day banking app, and it also allows international transfers.

What Revolut Charges to Send Money to Morocco

Revolut's pricing depends heavily on which plan you're on:

| Plan | Monthly Cost | Currency Conversion Limit | Fee Above Limit | |---|---|---|---| | Standard (free) | €0 | €1,000/month at interbank rate | 0.5% | | Plus | €3.99 | €1,000/month | 0.5% | | Premium | €9.99 | Unlimited | 0% | | Metal | €15.99 | Unlimited | 0% |

On the free plan, if you send €500 to Morocco, you'll likely stay within the limit and pay no conversion fee — but Revolut adds a weekend markup of 1% if you transfer on Saturday or Sunday. Always transfer on weekdays.

How to Use Revolut for Morocco Transfers

Download the Revolut app and create an account
Verify your identity (German ID, passport, or residence permit)
Go to "Send Money" → choose international transfer
Enter the recipient's Moroccan bank details
Choose MAD as the destination currency
Confirm and send

Revolut also lets you send money to recipients who don't have Revolut — they just need a bank account number.

Wise vs Revolut: Head-to-Head Comparison

Here's a practical comparison if you're sending €300 from Germany to Morocco:

| Feature | Wise | Revolut (Free Plan) | |---|---|---| | Exchange rate | Mid-market rate | Mid-market rate (on weekdays) | | Fee | ~€2.50–€4 | €0 (within monthly limit) | | Transfer speed | 1–2 business days | 1–3 business days | | Recipient needs account? | No (bank account only) | No (bank account only) | | App quality | Excellent | Excellent | | Cash pickup option | No | No |

Winner for low-frequency senders: Revolut free plan (if you stay under €1,000/month) Winner for high-volume or regular senders: Wise (transparent, predictable fees every time)

Other Options Worth Knowing

Wise and Revolut are the top choices, but they're not the only options. Here are a few others Moroccan expats use:

Western Union and MoneyGram

These are old-school services with physical locations in Morocco. Useful if your recipient doesn't have a bank account, or if they need cash immediately. However, fees are high — often 3–6% of the transfer, plus a poor exchange rate. Only use these for emergencies.

Sendwave

A newer app specifically designed for remittances to Africa and Asia. Sendwave sometimes offers zero fees for Morocco transfers, but the exchange rate spread may be slightly less favourable than Wise. Worth checking as a third comparison.

Your German Bank's Online Transfer

Deutsche Bank and Sparkasse do offer international SWIFT transfers online, but as mentioned, these typically cost €15–€30 flat plus a hidden exchange rate margin. Use this only if you have no other option.

What People Get Wrong When Transferring Money to Morocco

1. Transferring on weekends with Revolut Revolut applies a 1% weekend surcharge on currency conversion. On a €1,000 transfer, that's €10 extra. Simply wait until Monday morning.

2. Using the bank by default Many people stick with their German bank out of habit. If you're sending €500/month and your bank charges €25 per transfer, you're losing €300 per year. Switching to Wise takes 15 minutes.

3. Not checking the exchange rate before sending Exchange rates fluctuate daily. Apps like Wise and Revolut show you exactly how many MAD your recipient will receive before you confirm. Always check this number — don't just send blind.

4. Entering the wrong bank details Moroccan bank accounts use a 24-digit RIB number (Relevé d'Identité Bancaire), not a standard IBAN. Double-check the account number with your recipient before sending, especially for the first transfer.

5. Expecting instant transfers Even Wise usually takes 1–2 business days. If a family member needs money urgently, plan ahead — don't wait until the last minute.

6. Forgetting Moroccan currency regulations Morocco has capital controls. Large incoming transfers (above the equivalent of around €10,000 per year) may be questioned by Moroccan banks. For normal monthly remittances of a few hundred euros, this is not an issue.

Setting Up Your Transfers: Practical Tips

Create a Wise account before you need it. Verification can take a day or two if they need more ID documents.
Save your recipient's details. Both Wise and Revolut let you save bank details so you can repeat transfers with one tap.
Set a recurring transfer on Wise. If you send the same amount every month, Wise lets you automate this — great for supporting family consistently.
Compare both before each transfer. Use wise.com/compare and check Revolut's current rate to see who's offering more MAD that day.

Conclusion

For most Moroccans in Germany, Wise is the most reliable and transparent option for sending money home. Its fees are low, the exchange rate is honest, and the process is simple even if your recipient has never heard of Wise. Revolut is an excellent alternative — especially on its free plan for smaller monthly amounts — but watch out for the weekend surcharge.

Either way, stop using your German bank for international transfers. The savings are real, they add up fast, and switching takes less than 20 minutes.

If you're still getting settled in Germany — figuring out your Ausbildung, your registration, or your residency paperwork — book a consultation with our German immigration specialist (€16) to plan your move. Our team helps Moroccans navigate every step of the process, from language learning to building a strong CV and writing a compelling cover letter for your applications.

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