My bank stands by me
I am a Moroccan living abroad and I have a special attachment to Morocco. I want to support my loved ones, buy real estate to have a foothold in my country and contribute to the development of Morocco. What solutions are available to me? How could my bank support me?
This is it! I'm moving abroad. As soon as I arrive in my new country, there are a few things I need to do to get my life off to a good start. And I need to get used to the idea that what's valid or us…
Learn moreThe PACK ELAN 18-25 GOLD offers you everything you need to manage your account, and much more.
(*) depending on the package chosen
(**) Equivalent card
The PACK ELAN GOLD offers you everything you need to manage your account, and much more.
(*) depending on the package chosen
(**) Equivalent card
The PACK ELAN PLATINIUM offers you everything you need to manage your account, and much more.
(*) depending on the package chosen
(**) Equivalent card
The PACK ELAN SIGNATURE offers you everything you need to manage your account, and much more.
(*) depending on the package chosen
(**) Equivalent card
A comprehensive offering backed by your account in convertible dirhams with a range of services available to you.
The most essential banking products and services adapted to passbook accounts combined in a single package.
The Partage Bila Houdoud offer is a sponsorship plan intended for you and your loved ones under the age of 30
The Wajda Bila Houdoud card is a reloadable prepaid smart card intended for withdrawal and payment. It allows you to optimize your budget management while having complete control over its usage. It can be made available to one of your loved ones.
The World Access Card is a premium card, designed for Moroccans Around the World, featuring a substantial payment and withdrawal capacity in Morocco as well as abroad while allowing you to benefit from a number of exclusive services and advantages.
Injad Bila Houdoud is an assistance contract which offers you multiple assistance guarantees to deal with life's ups and downs, particularly in the event of death, providing you with support at each stage of life.
The Rahat Hbabi offer aims to pay a term-certain annuity over the course of 5 / 10 years in the event of the death or permanent total disability of the policy-holder / insured. This coverage consists of a term-certain annuity paid to the designated beneficiary.
Sihat Hbabi is a hospitalization insurance product which aims to provide you, your family and their loved ones in Morocco with 100% coverage or reimbursement of costs incurred following hospitalization for medical treatment or surgery resulting from an illness or accident.
The Miftah Bila Houdoud real estate loan is a simple, attractive financing solution tailored to your needs in order to help you with all your real estate projects including:
Advantages :
A solution that allows you to gradually build up savings, through the payment of one-time and/or periodic contributions.
An endowment contract with unscheduled payments offering annual distribution of capital gains. At the end of the contract, it guarantees you payment of savings in the form of either capital or a term-certain annuity in arrears or a combination of capital and term-certain annuity.
You can request an advance on your accumulated savings at any time.
The term account is an interest-bearing locked account which allows you to lock-in your money for an investment period which has been determined in advance, in return for interest payments.
En premier lieu, je me dois d’être en règle avec les services d’immigration du pays d’accueil. Chaque pays a des procédures spécifiques pour les immigrés installés sur son sol. En tant que résident permanent, je suis de près toutes les informations relatives aux règles régissant mon séjour.
Tout au long de mon séjour, je me conforme aux règles dictées par les lois en vigueur dans le pays d’accueil, tout en respectant les délais réglementaires pour le renouvellement des titres de séjour (carte de résidence, carte de séjour…). Pour occuper un emploi salarié, je prépare un dossier de demande d’un permis de travail. Je veille aussi à faire une déclaration auprès du fisc pour bénéficier du meilleur traitement fiscal en adéquation avec le statut de résident permanent. En plus de la couverture sociale et médicale dont je bénéficie en tant que résident permanent, il est nécessaire de souscrire à une assurance complémentaire. Enfin, il est primordial pour moi d’ouvrir un compte bancaire pour pouvoir effectuer toutes les transactions au quotidien (paiement, retrait d’argent, virement…).
La toute première démarche que je dois réaliser en tant que Marocain du monde est de m’inscrire auprès des services consulaires marocains. Tout Marocain résidant à l’étranger doit se présenter au consulat dont relève son lieu de résidence. On appelle ça l’immatriculation consulaire. Cette opération permet aux représentations diplomatiques du Maroc de me communiquer des informations utiles, de m’apporter secours et assistance et de me contacter, ou contacter mes proches en cas de besoin ou d'urgence. Il faut savoir que seules les personnes immatriculées peuvent bénéficier des prestations consulaires, tels que l’établissement de la carte nationale d’identité, du passeport, la légalisation de documents, etc. Pièces à fournir pour l’immatriculation consulaire :
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