My account
The Group
And enjoy 12 months for free!
More than the essential,
in 12-month free Packs
- Withdrawal limit | 4,000 Dhs/Day
- POS and e-commerce payment limit | 6,000 Dhs/Week
- *Young employees under 40 : 0 Dhs
- *For individuals aged 40 or older: 9 Dhs including tax/month with 12 months free for all new customers
- Withdrawal limit | 10,000 Dhs/day
- POS and e-commerce payment limit | 150,000 Dhs/week
- Withdrawal in Morocco and internationally
- Payment in Morocco and abroad at merchants and on e-commerce sites
- Medical and legal assistance abroad valid when purchasing the travel document with the card
- *Offre valable pour tous les nouveaux clients
- Withdrawal limit | 20,000 Dhs/day
- POS and e-commerce payment limit | 350,000 Dhs/week
- Withdrawal in Morocco and abroad
- Payment in Morocco and abroad at merchants and on e-commerce sites
- Medical & legal assistance abroad: valid in case of travel ticket purchase by card and provides Medical services (for the cardholder and their family), arrangement of emergency medical evacuation and repatriation, sending of doctors
- BMCE SECURICARD Insurance: protects the cardholder against fraud and physical assaults near ATMs, as well as loss of documents and car keys
- BMCE Protection Insurance: protects the estate account in case of a claim against deferred debits
- Card Purchase Protection Insurance: Purchase protection insurance that covers against loss, theft, or accidental damage of purchased products up to $5,000 per claim, with a limit of $20,000 per year...
- Platinum Visa Benefits:
- - 6 free visits per year (access to 25 airport lounges in Morocco and internationally)
- - Discounts & perks on a wide selection of hotels: Hotel Club and Visa Luxury Collection
- - Discounts & perks on luxury shopping at the 9 European Outlet Villages
- - Discounts & shopping at airport DUTY FREE stores
- - Discounts & benefits for car rentals (Avis, Hertz & Sixt)
- *Offre valable pour tous les nouveaux clients
Are you a Moroccan living abroad?
Open your account online and enjoy dedicated benefits.
How to Open a Bank Account in 4 Simple Steps
Initiate your request
Complete the opening of your online account with your identification document.
Confirm via video-conference
Confirm your identity live with an advisor, securely.
Sign your contracts securely
Complete your account opening using electronic signature.
Access to your account
Receive your BMCE Direct username by email, password by SMS and download the app.
Perks of having a BANK OF AFRICA Account
More than just a bank, a dedicated partner.
Comprehensive solutions
With BANK OF AFRICA, you benefit from a wide range of products and packages tailored to your lifestyle and ambitions: savings, credit, insurance, and payment methods.
Advisors by Your Side
In each of our branches, our advisors take the time to help you discover the best-fitting options for your needs.
Accessible Bank
Our digital solutions allow you to apply for a loan, save, and manage your daily banking operations from your mobile device, all securely and with advantageous rates.
BMCE Direct
With BANK OF AFRICA, Always a solution.
Take control of your accounts with BMCE Direct, the secure app that allows you to view and manage everything in an instant, without having to move. Make transfers, pay your bills, and order your checkbook with preferential rates for more savings.
All in a smooth interface accessible 24/7.
Enjoy a bank that adapts to your daily pace of life.
Enjoy a galaxy of benefits
NEW : Refer your friends and family and win!
Open your BANK OF AFRICA account online, refer your friends and family, and earn up to 750 Dhs. Your referral? They'll receive a free "GOAL 25" card plus 12 months of free online banking.
Your questions, our answers
The 12-month free offer is exclusively for new BANK OF AFRICA customers who open their first account with BANK OF AFRICA through the online account opening process. Existing BANK OF AFRICA account holders are not eligible for this free offer, even if they open a new account online.
To open an online account, you must be a natural person residing in Morocco, acting solely for personal needs (account reserved for individuals).
You will need to provide:
Your National ID or residence card (passport accepted in certain situations),
Proof of residence if your address is different from the one on your ID,
A valid phone number or personal email address, needed to secure and track your request.
You can pick up your card at a branch as soon as your account is activated.
The BANK OF AFRICA referral program rewards customers who opened their account online. Refer your friends and earn up to 750 Dhs (250 Dhs for each successful referral).
The person you refer also gets exclusive benefits:
- Free 12-month pack
- Free prepaid card "GOAL 25" **
The offer is valid from June 19 to September 30.
By opening your BANK OF AFRICA online account, you can enjoy discounts at Accor group establishments. Members of the Accor program get additional benefits.
The offer gives you a 20% discount on bookings with Accor and is valid from July 1, 2026.
Yes. Opening an online account is secure and covered by the same legal guarantees as in a branch.
Your personal information is protected at every step.
This way, you open your account with complete confidence and in a 100% safe environment
No, account opening is free and there are no maintenance fees for the first six months. You also benefit from included online banking services, with no requirement for an initial cash deposit (the minimum deposit of 100 DH is not required at account opening).
Once your file has been approved, you will immediately receive your bank account details (RIB) and login credentials. This means that your account is active and ready for use. You can then access your online banking services and carry out your initial transactions without delay.
To open an online bank account with BANK OF AFRICA, you must meet the following simple requirements:
- Be a legal adult (over 18 years old), a resident of Morocco, and legally competent.
- Use the account solely for your personal needs: it is intended for individuals and cannot be opened for professional activity.
- Have a valid mobile phone number and email address, required for identity verification and receiving your online access credentials.
- Provide an official identification document (CIN or residence card) and, if necessary, proof of address if your current address differs from the one on your document.
Once your application is approved, your account is activated promptly, and you will receive your BMCE Direct credentials to manage your finances immediately.
Account opening is done entirely online, without any need to visit a branch, except for collecting the bank card. All steps—identity verification, electronic signature, and activation—are carried out remotely in a simple and secure manner.
- Initiate your application: Start your application by verifying your identity document.
- Verify and confirm via video: Securely confirm your identity live with an advisor.
- Sign your contracts safely: Complete your account opening through electronic signature.
- Receive your credentials and access your account: Receive your BMCE Direct username by email and password via SMS, and download the application from the stores.
For more details on the required documents or the complete process, please consult our dedicated account opening FAQ.
Il n’existe pas de montant imposé pour utiliser votre compte. Vous pouvez déposer la somme de votre choix dès que vous en avez besoin (versement en agence ou par virement).
Le versement en espèces de 100 DH peut être proposé comme pratique courante, mais il n’est en aucun cas obligatoire.
Vous gardez ainsi la liberté de gérer vos entrées d’argent à votre convenance.
A bank card is included in the offered packages. Once your account is activated, your branch will let you know as soon as your card is ready so you can pick it up easily. You can then easily set up your PIN by phone and change it later at an ATM.
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