You are a Private Individual:

You have the possibility to open the following accounts:

  • A chequing account in MAD for your daily transactions
  • A savings account in MAD for your savings
  • An account in convertible dirhams or in foreign currency designed for your tourist allocations
  1. The account in convertible dirhams can only be funded by foreign currency, but  it makes it possible to withdraw  money in Dirhams in Morocco and in foreign currency abroad

You are a professional:

You have the possibility to open the following accounts:

  • A current account in MAD dedicated to your business activity
  • An account in convertible dirhams or in foreign currency if you are a professional exporting goods and services 
  1. The account in convertible dirhams can only be funded by foreign currency, but  it makes it possible to withdraw  money in Dirhams in Morocco and in foreign currency abroad

You have the possibility to open the following accounts:

  • A chequing account in MAD for your daily transactions
  • A savings account in MAD for your savings
  • An account in convertible dirhams
  1. This  account can only be funded by foreign currency, but  it makes it possible to withdraw  money in Dirhams in Morocco and in foreign currency abroad
  • An account  in foreign currency

 

 

 

 

You have the possibility to open the following accounts:

  • An account in convertible dirhams
  1. This  account can only be funded by foreign currency, but  it makes it possible to withdraw  money in Dirhams in Morocco and in foreign currency abroad  
  • An account in foreigncurrency
  • An account in Dirhams

 

 

You have the possibility to open the following accounts:

  • An account in convertible dirhams
  1. This  account can only be funded by foreign currency, but  it makes it possible to withdraw  money in Dirhams in Morocco and in foreign currency abroad  
  • An account in foreign currency

The holders or your spouse must be declared when creating my account

They are supposed to declare their signature when opening the account at the branch.

Account holders (except for a minor co-holder) all have the same management rights on the account.

You have the possibility to authorize a person of your choice to perform operations on your account.

It is enough to deposit at your branch  a “Proxy” signed and authenticated by you and the beneficiary.

The beneficiary of the proxy will be appointed as a representative at your bank and will act on your account within the limit of the rights you have fixed for him.

The Actual  Balance is the amount that is actually on your account minus the  amount of future operations (freeze)

You have multiple channels to check your balance / transaction history

  • By connecting to your BMCE DIRECT space via the web or Smartphone
  1. ==>Subscribe “FREELY” to your “BMCE Direct” service at your branch
  • By checking a BMCE BANK  ATM
  • By calling  « BMCE Direct line » at 080 100 8100 * (from Morocco) or at +212 5 22 42 15 42* (from abroad) from 8 a.m. to  10 p.m. 7/7
  1. ==>Your balance will be provided to you securely via  a strong authentication system using the BMCE DIRECTcode
  2. ==>Your BMCE Direct code must be digital. Please consider asking your advisor for its modification if it does not observe this structure

* Belgium: 0.15 €/min; France: 0.12 €/min; Italy: 0.12 €/min;  Germany: 0.2 €/min; Netherlands: 0.15 €/min;  Spain: 0.083 €/min; United Kingdom: 0.125 €/min

  • The pack allows you to make considerable savings compared to a separate sale
  1. =>Products such as credit cards are cheaper within the pack
  2. =>The pack gives you an exemption from account maintenance fees and commissions related to current operations
  • You get a subscription to BMCE Direct that allows you to track your account remotely via Web and Mobile
  • You benefit from an overdraft depending on your package subscription.

 

 

The basic products and services making up the pack are not optional;

If you want to subscribe to some of them only, it will be done on separate sale, which may be more expensive

Yes, except for credit interest and scale fees

In fact, the interests and the scale fees are variable because they depend on credit amounts and account debit