Money in Morocco: Cash, Cards, ATMs & Tipping Explained (2026)

The first thing to understand about the Moroccan Dirham (MAD) is that it is a closed currency. This means you cannot easily buy it before you arrive or exchange it once you leave. Plan to withdraw or exchange what you need upon arrival at the airport or at a local bank. Most travelers find that using ATMs is the most efficient and cost-effective way to get cash during their Visit Morocco journey.

While credit cards are widely accepted in major hotels and high-end boutiques, Morocco remains a cash-based society. You will need Dirhams for everything from taxi fares and street food to tipping and souk shopping. We recommend always keeping a mix of small banknotes (20 and 50 DH) and coins for everyday transactions. It’s one of the Best recommend things to do in Morocco to be prepared with small change.

ATMs are plentiful in cities and towns, though they can be harder to find in remote rural areas. Most ATMs have a per-transaction limit of 2,000 MAD. When using your credit card, always choose to be charged in the local currency (MAD) to ensure you get the best exchange rate from your home bank. Our Morocco package trips often include many of your major costs, reducing the amount of cash you need to carry.

Tipping, or "baksheesh," is an integral part of Moroccan culture and a way to show appreciation for good service. In restaurants, a 5-10% tip is standard. For your Morocco guided tour, tipping your driver and guide is customary; we suggest 100-200 MAD per day for a private driver and 500-600 MAD (approx. €50-€60) for a full-day private guide or tour operator. Remember, tipping is always optional but deeply appreciated by the locals who work hard to make your trip special.