Wafacash Jibi review

The card is prepaid on a local network with a MAD 0 monthly fee, so there is nothing to pay simply to hold it. The charge comes when you load money: every top-up adds 10 MAD per top-up, all-in tax, regardless of amount, and that cost stays the same whatever the amount you add.

The Salaf Mazaya and Al Mouaddaf routes are aimed at public-sector employees in CSP C and D whose net salary meets the stated rule. Applying also means a hard credit check, so your file is examined before any cash is released to you.

Personal loans run through a broker, so Wafacash arranges the credit rather than lending from its own book. Borrowing runs from MAD 3,000 to MAD 1,000,000 over terms of 6 to 120, and the loan types listed are personal only, rather than a wide spread of debt purposes.

Wafacash brokers auto, life and health cover, with premiums starting from MAD 55. Two products, Taamine Al Janaza and Taamine Wladi, include guaranteed capital, and claims are made through Wafacash agency/branch and SMS in person or by message. You deal with a broker for the cover.

Monthly insurance payments are not offered, so a premium is settled in one go rather than spread across the year. That keeps cover simple to arrange but heavier to fund, and the MAD 55 starting premium is payable in full at the outset.

Wafacash is headquartered in Morocco and lists expats as the group it serves. It has traded since 1991, and the service is built for customers inside Morocco rather than for people banking across borders.

Day to day questions go through email, phone and help centre, so you can pick email, phone, the help centre or the community space. Insurance claims run on a narrower path through Wafacash agency/branch and SMS, which lists a Wafacash agency or branch and SMS.