How long does a SWIFT transfer from France to Morocco take?
France hosts the largest Moroccan diaspora outside Morocco, with nearly 1.5 million Moroccan-origin residents sending billions of euros annually. EUR payments route from French banks (BNP Paribas, Société Générale, LCL, Crédit Agricole) to a Moroccan bank (Attijariwafa Bank, BMCE Bank/Bank of Africa, CIH, Banque Populaire) via SWIFT, settling through Bank Al-Maghrib's SRBM. EUR is converted to Moroccan dirhams (MAD) at the official rate; the dirham is not freely convertible so the conversion is controlled. Bank Al-Maghrib requires inward FX registration. The Banque de France applies EU AML controls. Transfer houses (Western Union, MoneyGram) compete strongly on this corridor. Track your UETR on Ohmyfin.
Details
Settlement path: SEPA / TARGET2 → SRBM (Système de Règlement Brut du Maroc, Bank Al-Maghrib). Currency pair: EUR → MAD.
The three most common causes of delay on this corridor are: (1) MAD convertibility restrictions — Moroccan dirham is not freely convertible, (2) Bank Al-Maghrib FX registration requirement for inward transfers, and (3) Correspondent routing via a local Moroccan bank adds a processing step.
If the payment has not arrived within 3 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.
Key facts
- Typical settlement: 1 business day
- 95th-percentile: 3 business days
- Currency pair: EUR → MAD
- Settlement system: SEPA / TARGET2 → SRBM (Système de Règlement Brut du Maroc, Bank Al-Maghrib)
- Top delay cause: MAD convertibility restrictions — Moroccan dirham is not freely convertible
How to track a delayed transfer — step by step
- Get the UETR from your sending bank — Ask your bank for the MT103 payment confirmation. The UETR (Unique End-to-end Transaction Reference) is in field 121 — a 36-character UUID formatted as 8-4-4-4-12 hexadecimal characters.
- Track the payment on Ohmyfin — Paste the UETR into the free Ohmyfin tracker at ohmyfin.org. You will see which bank is currently holding the payment and its live SWIFT GPI status code (ACSP, ACWP, RJCT, etc.).
- Identify the holding bank and delay cause — On the France–Morocco corridor, the most common delay causes are: MAD convertibility restrictions — Moroccan dirham is not freely convertible; Bank Al-Maghrib FX registration requirement for inward transfers; Correspondent routing via a local Moroccan bank adds a processing step. The GPI tracker shows exactly which bank last acknowledged the payment.
- Ask your bank to file an MT199 enquiry — If the payment has been static for more than 24 hours, ask your sending bank to send an MT199 payment investigation message quoting the UETR and the holding bank's BIC. SWIFT GPI service levels require banks to respond within one business day.
Frequently asked questions
How long does a SWIFT transfer from France to Morocco take?
Most SWIFT transfers on the France–Morocco corridor credit the beneficiary within 1 business day. In 95% of cases the payment arrives within 3 business days. The most common delay is mad convertibility restrictions — moroccan dirham is not freely convertible.
What causes delays for France–Morocco payments?
The three most common delay causes are: MAD convertibility restrictions — Moroccan dirham is not freely convertible; Bank Al-Maghrib FX registration requirement for inward transfers; Correspondent routing via a local Moroccan bank adds a processing step.
What should I do if my France–Morocco SWIFT transfer is late?
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 3 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.
Which clearing system is used for France–Morocco payments?
The dominant settlement path is SEPA / TARGET2 → SRBM (Système de Règlement Brut du Maroc, Bank Al-Maghrib). The currency pair is EUR → MAD.
Track in your language
Related guides
Related — more from payment speed guides and beyond
Get 100 free credits — track unlimited SWIFT payments
No card needed. Free for ordinary users — 10 free trackings per day per IP, no signup required. Track any international wire across 11,000+ banks.
Track a payment now — completely free Or try the tracker now →