Open an account for individuals

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:

1. Your national identity card (CIN) or residence permit (passport accepted in certain cases),
2. Proof of residence if your address differs from the one shown on your identification document,
3. 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.

Each online account opening makes you eligible to try to win a streaming subscription during the period from 02/01/2026 to 04/31/2026.  

Winners will be contacted every month by our partner to choose their platform and activate their streaming subscription.  

If your choice is no longer available, you can select another platform from those still in stock.  

For more information, you can check the rules directly at the following link: Streaming Offer Rules.

A bank card is included in the offered packages. Once your account is activated, your branch will inform you as soon as your card is ready so that you can collect it with ease. 

You will then be able to easily set up your PIN by phone and later modify it at an ATM.

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:

1. Be a legal adult (over 18 years old), a resident of Morocco, and legally competent.
2. Use the account solely for your personal needs: it is intended for individuals and cannot be opened for professional activity.
3. Have a valid mobile phone number and email address, required for identity verification and receiving your online access credentials.
4. 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.

1. Initiate your application: Start your application by verifying your identity document.
2. Verify and confirm via video: Securely confirm your identity live with an advisor.
3. Sign your contracts safely: Complete your account opening through electronic signature.
4. 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.

To get more informations about the offer, please, refer to this link : Streaming Raffle Rules