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
- *Individuals aged 40 or over: 9 Dhs per 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
To open an online account, you must be a natural person residing in Morocco, acting solely for personal purposes (account reserved for individuals).
You will be required to provide:
- Your national identity card (CIN) or residence permit (passport accepted in certain cases),
- Proof of residence if your address differs from the one shown on your identification document,
- A valid phone number or personal email address, necessary to secure and monitor your request.
You can collect your card at a branch as soon as your account is activated.
The 12-month free offer is exclusively reserved 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 customers are not eligible for this offer, even if they open a new account online.
The BANK OF AFRICA referral program rewards customers who open their account online. Refer your friends and family and earn up to 750 MAD (250 MAD per successful referral).
The referred person, in turn, benefits from exclusive advantages:
Free 12-month package
Free "GOAL 25" prepaid card**
Offer valid from June 19 to September 30.
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.
Yes. Opening an online account is secure and subject to the same legal guarantees as opening one in a branch.
Your personal information is protected at every step.
You can therefore open your account with complete confidence and in a 100% secure environment.
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