If you wish to quickly send money to a customer or non-customer of BANK OF AFRICA, you can initiate a cash availability through your branch or remotely via your online space BMCE Direct.
Cash availability is a transaction in which you make a sum of money available to the beneficiary by debiting your account, which they can collect from any BANK OF AFRICA branch upon presentation of their identification document (ID card for Moroccans and registration card for foreigners residing in Morocco).

• If you make a transfer through your branch or via BMCE Direct to a beneficiary who is a BANK OF AFRICA client, their account will be credited instantly.
• If you make a transfer through your branch or via BMCE Direct to a beneficiary who is a client of another bank, their account will be credited on the second business day following the transfer.

You have the possibility to make cash withdrawals at any BANK OF AFRICA branch of your choice, under the same conditions as cash withdrawals at your own branch.

We offer you the possibility to deposit your check into your account at any BANK OF AFRICA branch without any additional fees.

The processing time for your deposit will vary depending on the nature of the check:
● If it is a BANK OF AFRICA check, the transaction will be recorded in your account on the first business day following the day of deposit.
● If it is a check from another bank, the transaction will be recorded in your account on the second business day following the day of deposit.

Yes, except for bancassurance products which may be mandatory or optional depending on the subscribed package and are charged separately.

The package allows you to make considerable savings compared to separate sales and to benefit from several advantages:
● Checking account with bundled account maintenance fees and regular operations.
● Withdrawal and payment bank card (several types of cards available depending on the package).
● Free access to your personal BMCE Direct account to remotely monitor your account via web or mobile.
● Overdraft authorization depending on the subscribed package, subject to the discretion of the branch.

You have several channels to check your balance/history of transactions:
● By logging into your BMCE Direct account via web or smartphone
Subscribe for FREE to the "BMCE Direct" service by visiting your branch
● By using a BANK OF AFRICA ATM
● By calling the "Direct Line" at 080 100 8100* (from Morocco) or +212 5 22 42 15 42* (from abroad) from 8am to 10pm, 7 days a week
Your balance can be securely communicated to you through a strong authentication system using the BMCE Direct code.

The actual balance is the amount that is actually available in your account, reduced by the number of pending transactions (blocks)..

You can appoint a proxy to manage your account through a signed and legalized bank proxy according to the model established by BANK OF AFRICA.