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BMCI review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BMCI is a Moroccan bank whose savings account pays a variable rate of 2.48% and carries a monthly fee of MAD 0. It suits savers in Morocco who want branch access on their own schedule, not readers chasing a fixed rate in the UK or Europe.

Key facts

Best for
Moroccan savers who want easy access with no monthly account charge
Headline rate
2.48%↗
Rate type
Variable↗
Term
6 to 84 months↗
Minimum deposit
MAD 100 to MAD 400,000↗
Access terms
Compte sur Carnet: unlimited duration, immediate withdrawal in branch, free or scheduled deposits from 100 MAD↗
Monthly fee
MAD 0↗
Account kind
Easy access↗
Legal entity
Banque Marocaine pour le Commerce et l'Industrie (BMCI)↗
Headquarters
Morocco↗
Founded
1943↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
bmci.ma

Loans

APR
4.99%↗
Loan amount
MAD 2,000 to MAD 300,000↗
Arrangement fee
0 MAD TTC file fee plus 40 MAD TTC confirmation fee (Credit Conso offer)↗
Funding time
Funds paid from the 7th day after acceptance of the credit contract (statutory withdrawal period)↗
Representative example
Credit Conso: 180,000 MAD over 18 months, 18 instalments of 10,756 MAD TTC including death-disability insurance, total credit cost 13,648 MAD TTC, TEG 4.99% HT↗
Lender type
Direct lender↗
Eligibility
Any adult private customer with at least 3 months of banking history (12 months for professional customers)↗
Loan types
Personal↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
Xfacebook.comyoutube.com

Pros and cons

Pros

  • Easy access: withdrawals are immediate in branch and the account runs with no term limit
  • No monthly charge, with a monthly fee of MAD 0 on the account
  • Direct personal lending at 4.99%, below the site median 15.5%

Cons

  • The rate is variable, so the 2.48% headline can move in either direction
  • A minimum deposit of MAD 100 to MAD 400,000 keeps the account out of reach for anyone starting with pocket change
  • Borrowing asks for a minimum age and a period of banking history, so new customers cannot borrow on the spot
BMCI

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Moroccan savers who want branch withdrawals and a small emergency balance
  • BMCI customers who also want a personal loan arranged by the same bank
  • People who prefer dealing with a branch network rather than an app only bank

Who should look elsewhere

  • Savers shopping for a fixed rate, since the variable rate can change
  • Anyone wanting a larger deposit ceiling than MAD 100 to MAD 400,000
  • Readers who want a higher headline rate, where Wise at 3.29% and bunq at 3.01% both sit higher

Fees and currency costs

The savings account charges a monthly fee of MAD 0, so there is no account cost to hold against the balance. The floor is a minimum deposit of MAD 100 to MAD 400,000, which keeps the account out of reach for anyone starting with pocket change. On the borrowing side the Credit Conso offer carries no file fee plus a confirmation charge, with the rate shown as 4.99% for personal loans of MAD 2,000 to MAD 300,000.

Who runs it

BMCI is Banque Marocaine pour le Commerce et l'Industrie (BMCI), headquartered in Morocco and founded in 1943. It is a branch bank, so deposits, withdrawals and loan signings happen in person rather than through an app only flow. Support runs on phone, email and help centre. Lending is direct, which means the loan contract, the rate and the repayment schedule all sit with the same bank that holds the savings account.

How BMCI compares

Where BMCI is available

Available
Morocco

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the BMCI savings account pay?+

The headline rate is 2.48% and the rate type is variable, so the number can move with monetary policy. The account carries no term limit, which suits money that may be needed without warning.

Is there a monthly fee on the account?+

The monthly fee is MAD 0, so holding a balance in this account does not carry a monthly charge. Deposits can be free or scheduled, and the account is easy access, with withdrawals taken immediately in branch.

What is the minimum deposit?+

The minimum deposit is MAD 100 to MAD 400,000 for this account. That floor sits above the site minimum deposit median €0.88, so a larger opening balance is needed here than at a typical account on the site.

How do I get money in and out?+

Deposits can be made free or scheduled, and withdrawals are immediate in branch. Because this is a branch bank rather than an app only service, the counter handles the movements rather than an on screen transfer.

What does BMCI charge to borrow?+

The rate on personal loans is 4.99% for amounts of MAD 2,000 to MAD 300,000 over terms of 6 to 84. The Credit Conso offer carries no file fee plus a confirmation charge, and funding follows the statutory withdrawal period.

Who can apply for a loan?+

Any adult private customer can apply with a period of banking history behind them, and professional customers need a longer record. BMCI is a direct lender, so direct lender means the contract is written by the bank itself rather than a broker.

How old and how established is the bank?+

The provider is Banque Marocaine pour le Commerce et l'Industrie (BMCI), founded in 1943 and based in Morocco. That history matters mainly for the branch network, since access and servicing happen in person.

How do I reach support?+

Support runs on phone, email and help centre, which covers phone, email and a help centre. Live chat is not among those channels, so account questions go through one of the listed routes.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

BMCI

BMCI

Moroccan savers who want easy access with no monthly account charge

9.5/10See alternatives