Traveller chèques au Maroc
by Souhalie
This discussion is in French, the community’s main language.
Original post
Bonjour,
J'aimerai savoir si quelqu'un a utilisé récemment des traveller chèques en € au Maroc.
A ce sujet j'ai deux questions :
- Peut-on les échanger facilement partout ?
- Quel est le montant de la commission prélevé sur chaque traveller ?
Et enfin si vous avez des suggestions elles seront les bienvenues.
Merci à vous.
Souhalie
les travellers difficile a utiliser au maroc donc le mieux c'est de combiner carte+liquide ou bien liquide si c'est pour un court sejour
Merci Nemo. Je m'en doutais un peu mais les commissions sur carte bancaire sont tellement exhorbitantes que je me demandais si ce n'était pas plus intéressant de faire autrement.
Bonne journée à toi.
Souhalie
Souhalie
Bonjour,
la méthode la plus simple et la moins couteuse est de venir avec des euros, ca ne tient pas de place , et c'est changé partout sans frais ! Les travellers c'est galère, beaucoup de banques, dans les villes moyennes ne veulent pas connaitre et celles qui savent en rajoutent en procédures, on peut rester 2 h dans une banque !
la méthode la plus simple et la moins couteuse est de venir avec des euros, ca ne tient pas de place , et c'est changé partout sans frais ! Les travellers c'est galère, beaucoup de banques, dans les villes moyennes ne veulent pas connaitre et celles qui savent en rajoutent en procédures, on peut rester 2 h dans une banque !
Je les utilisais à une époque en les changeant dans les bureaux de change bancaires ou autres...Je n'ai pas le souvenir d'une commission élevée, mais cela date un peu.
Si tu ne restes pas longtemps, le mieux est de prendre des euros en espèces avec toi et de faire le change au fur et à mesure.
si tu veux venir plus qu'une courte sejour, le mieux est de combiner cash+carte bancaire qui te facture le moins cher possible et les frais depend aussi du type de carte que tu as
Je pars pour 3 semaines. J'ai une mastercard. Ce matin, visite à ma banque qui me prélève systématiquement à chaque retrait 3.3 € + 1.90 %. Effectivement, le plus simple est de faire fifty / fifty (carte+cash). Mais je pensais que les banques marocaines prenaient systématiquement une commission à chaque change des euros ?
Souhalie
il n y a pas de commission de change car la com est inclus dans le taux de change proposé.
par exemple, le mastercard de carrefour ne facture que 1.50% si je me rappelle bien
par exemple, le mastercard de carrefour ne facture que 1.50% si je me rappelle bien
* * que les banques marocaines prenaient systématiquement une commission à chaque change des euros ? ***
elles prennent une marge , pour vivre, sur chaque opération de change, le taux de change est calculé en conséquence. mais l'utilisation d'une carte bancaire se fera au même taux plus les charges que tu annonces.
C'est en changeant des euros en billets qu'on y perd le moins.
elles prennent une marge , pour vivre, sur chaque opération de change, le taux de change est calculé en conséquence. mais l'utilisation d'une carte bancaire se fera au même taux plus les charges que tu annonces.
C'est en changeant des euros en billets qu'on y perd le moins.
mais l'utilisation d'une carte bancaire se fera au même taux plus les charges que tu annonces.
le taux de change pour un retrait est different du taux proposé sur place car c'est le taux du distributeur de carte (visa, mastercard....)
le taux proposé par le centre bancaire visa est bien meilleur qu'une banque pour un particulier. LE probleme est du coté de la banque qui te prend une grosse commission qui rend l'utilisation de la carte cher.
voici un lien pour calculer le taux de change visa ICI
exemple du taux aujourd'hui visa: 1 euro= 11.093782dh
le taux de change pour un retrait est different du taux proposé sur place car c'est le taux du distributeur de carte (visa, mastercard....)
le taux proposé par le centre bancaire visa est bien meilleur qu'une banque pour un particulier. LE probleme est du coté de la banque qui te prend une grosse commission qui rend l'utilisation de la carte cher.
voici un lien pour calculer le taux de change visa ICI
exemple du taux aujourd'hui visa: 1 euro= 11.093782dh
Merci à tous. C'est clair dans ma tête maintenant. Effectivement le plus avantageux c'est d'avoir du cash, mais ça me fait pas rigoler de trainer sur moi constamment trop de liquide. Je n'ai pas trop l'habitude compte tenu de mes très peu fréquents séjours à l'étranger.
Bonne journée à vous.
Souhalie
Souhalie
Sauf que moi j'ai une mastercard et non une visa. Je ne comprends pas le sens de ta remarque "le centre proposé par le centre banquaire visa........ Quelle différence avec la banque ? Et où se trouve ce centre ? Beaucoup de questions de ma part qui pourraient paraître dérisoires, mais j'apprends, j'apprends.
D'autre part, je suis allée au lien que tu m'as envoyé et j'ai essayé de calculer les frais de commission avec un montant arbitraire.... ça ne fonctionne pas. Peut-être problème informatique ponctuel ?
Souhalie
Bonjour,
Les frais , inutile de les chercher n'impote ou , ils sont écrits en clair sur les conditions de ta banque dans le document que l'on doit obligatoirement t'envoyer tous les ans, ils dépendent de ta carte et de ta banque.. Le taux de change utilisé dans les transactions avec carte bancaire est à quelques fifrelins pres , celui utilisé dans les bureaux de change au Maroc. Pas les voleurs , les normaux !! comme "la poste" "l'hotel Ali" à Marrakech. les quelques millièmes de différence sont peanut, par rapport aux frais de retrait.
Les frais , inutile de les chercher n'impote ou , ils sont écrits en clair sur les conditions de ta banque dans le document que l'on doit obligatoirement t'envoyer tous les ans, ils dépendent de ta carte et de ta banque.. Le taux de change utilisé dans les transactions avec carte bancaire est à quelques fifrelins pres , celui utilisé dans les bureaux de change au Maroc. Pas les voleurs , les normaux !! comme "la poste" "l'hotel Ali" à Marrakech. les quelques millièmes de différence sont peanut, par rapport aux frais de retrait.
le taux de frais de 1.50% c'est pour un mastercard chez carrefour.
Le taux de change d'une carte bancaire est celui de mastercard dans ton cas et non un taux de ta banque. Mais a ce taux de change de mastercard, ta banque peut prendre une commission supplementaire et souvent des frais fixes pour les retraits.
le lien que j'ai donné fourni le taux de change du centre visa en renseignant le taux de com de ta banque.
Le taux de change d'une carte bancaire est celui de mastercard dans ton cas et non un taux de ta banque. Mais a ce taux de change de mastercard, ta banque peut prendre une commission supplementaire et souvent des frais fixes pour les retraits.
le lien que j'ai donné fourni le taux de change du centre visa en renseignant le taux de com de ta banque.
Merci a toi Raoulx et merci à toi Nemo.
J'ai réessayé le lien avec le taux de ma banque et CA MARCHE !
Bonne soirée à vous.
Souhalie
Souhalie
Le taux de change utilisé dans les transactions avec carte bancaire est à quelques fifrelins pres , celui utilisé dans les bureaux de change au Maroc.
le cours de change des cartes fournis par visa, amex, mastercard... sont très proche des taux interbancaires.
aujourd'hui, l'euro: marché interbancaire 11.11 actuellement (plus bas: 11.0834, plus haut 11.1584) visa 11.093782 bmce 10.895
soit une difference de 1.8% entre visa et bmce
le cours de change des cartes fournis par visa, amex, mastercard... sont très proche des taux interbancaires.
aujourd'hui, l'euro: marché interbancaire 11.11 actuellement (plus bas: 11.0834, plus haut 11.1584) visa 11.093782 bmce 10.895
soit une difference de 1.8% entre visa et bmce
Et walou avec l'hotel Ali !
11,10 !!
il gagne quoi avec ce niveau de taux? c'est très surprenant de perdre de l'argent
c'est vraiment bizarre car la banque centrale marocaine leur achete leurs euros demain à 11.069dh (cf. image)
il gagne quoi avec ce niveau de taux? c'est très surprenant de perdre de l'argent
c'est vraiment bizarre car la banque centrale marocaine leur achete leurs euros demain à 11.069dh (cf. image)
à part la garantie de se les faire rembourser en cas de perte, je ne suis pas sur que retirer de l'argent sur une carte bancaire ne soit pas moins cher, les banques ont de horaires aléatoires, ce ne sont pas toutes les banques qui changent les T.C, alors que les DAB sont légions et fiables mais compter 7,5 € de frais pour un retrait de 185 € (2000 dhs)
Merci pour votre intervention. Effectivement, je crois que c'est mieux d'utiliser sa carte bancaire et avoir du liquide aussi.
Bonne soirée.
Souhalie
Souhalie
compter 7,5 € de frais pour un retrait de 185 € (2000 dhs)
il faudra penser a changer de banque
il faudra penser a changer de banque
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I’m finalizing the loop I’d like to do in May over 13 days, starting and ending in Essaouira.
We’re planning to rent a vehicle and are pretty active—we’re not really into crowds (that’s why I’ve decided to skip Marrakech).
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Trip Proposal Summary: From May 13 (morning arrival) to May 26 (morning departure) Arrival and departure: Essaouira Day 1 (May 13): Arrival in Essaouira – Settling in / Exploring / Rest Day 2 (May 14): Essaouira – Water activities Day 3 (May 15): Essaouira to Tafraoute (~5h30) – route via Agadir – arrival and first exploration; Question: Is a detour to Taroudant worth considering? Day 4 (May 16): Tafraoute – Hike in the granite rocks – wild bivouac Day 5 (May 17): Tafraoute – Aït Mansour gorges – oasis – night in a hostel Day 6 (May 18): Tafraoute → Foum Zguid (~5h) – transition route – simple overnight or bivouac Day 7 (May 19): Foum Zguid → Zagora (~3h) – Draa Valley – desert prep Day 8 (May 20): Zagora → M'Hamid El Ghizlane → Erg Chigaga – departure with 4x4 guide – entering the dunes – bivouac Day 9 (May 21): Erg Chigaga – full desert day – walking, exploring – bivouac Day 10 (May 22): Desert → Ouarzazate (~5–6h) – leaving the desert – rest Day 11 (May 23): Aït Benhaddou – early visit – short hike – overnight stay Day 12 (May 24): Aït Benhaddou → Telouet – route toward the Atlas – start of trek – bivouac Day 13 (May 25): Atlas → Essaouira (~5–6h) – end of trek – return to Essaouira (overnight) Day 14 (May 26): Essaouira – free time + return flight
What do you think?
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All ears! :)
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Clément
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Take care
In this post, I want to share some tips for those coming to Morocco who want their trip to be budget-friendly.
1. Prebook everything: hotels or riads, car rentals, or tours. If you book these in advance, it’ll make your life easier. You won’t have to deal with hagglers or people trying to overcharge you for services that are available online for free. Use platforms like Booking, Expedia, carsrental.ma, Airbnb, and other booking services to get this done properly.
2. Exchange your money to Moroccan dirhams as soon as you land. 1 € is always a little over 10 dirhams, but many people get charged as if it were exactly 10 dirhams per euro.
3. When visiting an old site or the old medina, avoid talking to vendors and shop owners—they’re really good at getting your attention and making you overpay for things.
4. Ask your tour guide to buy things for you. Yes, they do get a commission, but you’ll probably pay way more if you buy something yourself that they can get cheaply.
5. Walk everywhere. You don’t need a taxi for every little trip. Pick a good location and walk—most Moroccan cities are safe during normal hours.
6. Buy your food, drinks, etc., from supermarkets at normal prices. They can’t overcharge you since they scan every product.
I think that’s it for now.
Take care
Hi everyone! 😊
We’re traveling as a family to Marrakech from April 19 to 24, and there’ll be 15 of us (all ages), staying in the Targa neighborhood (El Idrissi Street).
I’d love your advice on a few things! 🙏
🚗 Vehicle rental
We’re thinking of renting 3 cars. We’ve seen really low prices online, but often without insurance.
👉 Do you have any reliable contacts or personal experiences to share?
👉 Would you recommend getting specific “tourist” insurance?
🏛️ Visits – Bahia Palace & Saadian Tombs
We’d like to visit the Bahia Palace and the Saadian Tombs, but:
We can’t find single tickets online We only see guided tours with fixed times (like 9:30 AM / 4-hour tours)
👉 Do you know if it’s possible to book without a guide? 👉 Or do we have to buy tickets on-site? (We’re a little worried about crowds and lines, especially with older folks in the group.) 🍽️ Restaurants / meals We’ve spotted the Grand Bazaar Marrakech for a meal. 👉 Any thoughts? 👉 Could you recommend other restaurants in the same budget? (We’re a big group, so it needs to stay reasonable.) For lunch/snacks, we’ve seen:
Snack Toubkal Goûter Saveur
👉 If anyone’s been, I’d love your feedback! 😊 🛒 Practical info – Targa neighborhood We’ll be in Targa (El Idrissi Street). 👉 Are there shops nearby for quick groceries (breakfast, water, etc.)?
If you’ve got any great tips, contacts, or little tricks, I’d love to hear them! 😍 Thanks so much for your help! 💖
We can’t find single tickets online We only see guided tours with fixed times (like 9:30 AM / 4-hour tours)
👉 Do you know if it’s possible to book without a guide? 👉 Or do we have to buy tickets on-site? (We’re a little worried about crowds and lines, especially with older folks in the group.) 🍽️ Restaurants / meals We’ve spotted the Grand Bazaar Marrakech for a meal. 👉 Any thoughts? 👉 Could you recommend other restaurants in the same budget? (We’re a big group, so it needs to stay reasonable.) For lunch/snacks, we’ve seen:
Snack Toubkal Goûter Saveur
👉 If anyone’s been, I’d love your feedback! 😊 🛒 Practical info – Targa neighborhood We’ll be in Targa (El Idrissi Street). 👉 Are there shops nearby for quick groceries (breakfast, water, etc.)?
If you’ve got any great tips, contacts, or little tricks, I’d love to hear them! 😍 Thanks so much for your help! 💖
As-salamu alaykum!
We’re heading to Morocco as a family from April 22 to May 8. It’s a bit short to explore such a beautiful and vast country, but school and work commitments, you know how it is... My partner is a musician and absolutely loves Gnawa music. Unfortunately, we won’t have time to visit Essaouira, as we’re heading south toward the Valley of the Roses...
Do you know of any places around Marrakech, Ouarzazate, or Kelaat M’Gouna where we might have the chance to meet Gnawa musicians? We’ll also be staying a few days in Aït Benhaddou and Skoura during our trip toward the Dadès Valley. If you have any good spots to buy a guembri along the way, I’d love to hear about them too! :)
Thanks in advance for your tips!
Mathieu
We’re heading to Morocco as a family from April 22 to May 8. It’s a bit short to explore such a beautiful and vast country, but school and work commitments, you know how it is... My partner is a musician and absolutely loves Gnawa music. Unfortunately, we won’t have time to visit Essaouira, as we’re heading south toward the Valley of the Roses...
Do you know of any places around Marrakech, Ouarzazate, or Kelaat M’Gouna where we might have the chance to meet Gnawa musicians? We’ll also be staying a few days in Aït Benhaddou and Skoura during our trip toward the Dadès Valley. If you have any good spots to buy a guembri along the way, I’d love to hear about them too! :)
Thanks in advance for your tips!
Mathieu
Mid-May: arriving alone (so, a "petit taxi"?) at Marrakech airport around 4:30 PM,
is it advisable to take a taxi at the airport (cost?) or is it wiser to book one through the hotel before departure (which would cost me 20 €)?
I think I’ve seen lower fares elsewhere (12 €?).
Destination: Riad Sijane near Djemaa El Fna square. Thanks!
hi there
we’re heading to Hammamet in a few months
what would you recommend visiting for a week?
best regards
Hi there,
I’m planning my next trip outside Europe for next year, but unfortunately, I don’t have a choice with the dates—it’s late June to early July. Last year, I went to Japan for three weeks, and it was constantly 36-37°C with over 90% humidity. It wasn’t easy, but it wasn’t impossible either.
For Egypt, I know it’s a period to avoid if possible, but I’m thinking that by the sea, it might be manageable. Otherwise, I’ll consider another destination.
Day 1: Arrival in Hurghada in the evening Day 2, 3, 4: Hurghada Day 5: Hurghada, then drive to Luxor in the early afternoon Day 6: Luxor Day 7: Luxor, then drive back to Hurghada in the late afternoon Day 8, 9, 10, 11: Hurghada Day 12: Return flight
For the Hurghada trip, either rent a car or—easier—a private car/van. Is it worth adding an extra day in Luxor?
During the stay, we’re planning activities like camel rides, quad biking, jeep tours, snorkeling, and jet skiing.
Thanks for your replies
I’m planning my next trip outside Europe for next year, but unfortunately, I don’t have a choice with the dates—it’s late June to early July. Last year, I went to Japan for three weeks, and it was constantly 36-37°C with over 90% humidity. It wasn’t easy, but it wasn’t impossible either.
For Egypt, I know it’s a period to avoid if possible, but I’m thinking that by the sea, it might be manageable. Otherwise, I’ll consider another destination.
Day 1: Arrival in Hurghada in the evening Day 2, 3, 4: Hurghada Day 5: Hurghada, then drive to Luxor in the early afternoon Day 6: Luxor Day 7: Luxor, then drive back to Hurghada in the late afternoon Day 8, 9, 10, 11: Hurghada Day 12: Return flight
For the Hurghada trip, either rent a car or—easier—a private car/van. Is it worth adding an extra day in Luxor?
During the stay, we’re planning activities like camel rides, quad biking, jeep tours, snorkeling, and jet skiing.
Thanks for your replies
Hi there,
We’re planning a trip to Morocco in September-October in our Fiat camper van, which isn’t a 4x4 but has already handled quite a bit of rough travel. While reading up on southern Morocco, we’ve been drawn to the Aguinane oasis but I’m having trouble locating it on the map. Is it possible to get there without a 4x4?
Thanks for your help
Hi,
Does anyone know the address of a rose flower distillery in the Valley of Roses / Kelaa M'Gouna? A traditional distillery, not just the tourist shop.
Thanks a bunch!
Nicolas :-)
Does anyone know the address of a rose flower distillery in the Valley of Roses / Kelaa M'Gouna? A traditional distillery, not just the tourist shop.
Thanks a bunch!
Nicolas :-)
