All fees at a glance
| Operation | Fee |
|---|---|
| Transfer between users | 0.1% of the amount, paid by the sender |
| Receiving money | 0 MAD |
| Sending or receiving a payment request | 0 MAD (whoever pays the request covers the 0.1% transfer fee) |
| Card top-up | 0 MAD |
| Withdrawal to a Moroccan RIB | 0 MAD |
| Opening and keeping an account | 0 MAD |
| Subscription | None |
How the 0.1% fee is worked out
The fee is 0.1% of the amount sent, so 1 MAD per 1,000 MAD. It is rounded up to the next centime: a result of 0.015 MAD becomes 0.02 MAD. The sender always pays it. Your friend receives exactly the amount you typed, and your balance is debited the amount plus the fee.
Before every money transfer, the app shows the amount, the fee and the total debited. You then confirm with your PIN, knowing exactly what you pay.
Worked examples
| Amount sent | Fee (0.1%) | Your friend receives | Total debited |
|---|---|---|---|
| 1.00 MAD | 0.01 MAD | 1.00 MAD | 1.01 MAD |
| 15.00 MAD | 0.02 MAD | 15.00 MAD | 15.02 MAD |
| 100.00 MAD | 0.10 MAD | 100.00 MAD | 100.10 MAD |
| 500.00 MAD | 0.50 MAD | 500.00 MAD | 500.50 MAD |
| 2,000.00 MAD | 2.00 MAD | 2,000.00 MAD | 2,002.00 MAD |
| 10,000.00 MAD | 10.00 MAD | 10,000.00 MAD | 10,010.00 MAD |
On 15 MAD, 0.1% is 0.015 MAD, rounded up to 0.02 MAD. Transfers of 2,000 and 10,000 MAD are above the planned per-transfer limit of a level 0 account, so they need an account with verified identity.
Top-ups, withdrawals and your account: no fee
Topping up by bank card costs nothing: top up 300 MAD and you get 300 MAD of balance. Withdrawing to your bank account has no fee either, from 50 MAD, processed within 24 to 48 business hours (see withdraw to bank). Opening and keeping an account and receiving money are not charged, and there is no subscription.
Planned limits by verification level
These limits are planned and may change to meet regulatory requirements. Your current limits and today's usage will be shown in the Profile tab of the app.
| Level | Verification | Maximum balance | Per transfer | Sent per day |
|---|---|---|---|---|
| Level 0 | Email and phone | 2,000 MAD | 1,000 MAD | 1,000 MAD |
| Level 1 | National ID card verified (front, back and selfie) | 20,000 MAD | 10,000 MAD | 10,000 MAD |
| Level 2 | Enhanced verification | 200,000 MAD | 50,000 MAD | 50,000 MAD |
Identity verification happens in the app and also helps protect your account, as explained on the security page.