SWIFT Code for BANK OF AFRICA in Morocco
BMCEMAMCXXX
The primary BIC/SWIFT code for BANK OF AFRICA in Morocco is BMCEMAMCXXX. This code is used to identify the bank as a whole during international financial transactions.
| Bank Name | BANK OF AFRICA |
| Bank Address | 140 AVENUE HASSAN II, CASABLANCA, CASABLANCA-SETTAT, 20000 |
| City | CASABLANCA |
| Country | 🇲🇦 Morocco |
| Bank Code | BMCE |
| Country Code | MA |
| Location Code | MC |
| Branch Code | XXX |
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Sending Money to BANK OF AFRICA in CASABLANCA
Follow these three steps to ensure your international wire transfer reaches the correct account at the CASABLANCA branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For Morocco, IBANs typically start with the prefix MA.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter BMCEMAMCXXX. This unique 11-character identifier ensures the funds are routed specifically to the BANK OF AFRICA systems in CASABLANCA.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for Morocco transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Is BMCEMAMCXXX the correct code for all BANK OF AFRICA branches?
No. While many banks use a "Head Office" code ending in XXX, the code BMCEMAMCXXX is specifically assigned to the CASABLANCA location. Using this specific 11-character code helps the bank’s automated systems credit the recipient’s account faster than using a generic national code.
Can I use this code for a SEPA transfer to Morocco?
Yes. If you are sending Euro-denominated funds from another SEPA-member country, you can use this BIC/SWIFT code alongside the recipient’s IBAN. However, most modern European banks only require the IBAN to route SEPA payments automatically.
How long does a transfer to BANK OF AFRICA usually take?
International transfers to BANK OF AFRICA using the SWIFT network typically take 1 to 3 business days. Factors that can cause delays include:
- Time zone differences between the sender and Morocco.
- Local public holidays in Morocco.
- Required "Know Your Customer" (KYC) checks for large amounts.
Are there fees for receiving money at the CASABLANCA branch?
Most banks in Morocco charge an "Incoming Wire Fee" for international transfers. For BANK OF AFRICA, these fees vary based on the account type but typically range from a small flat fee to a percentage of the total. It is recommended to send funds using the "OUR" instruction if you want the recipient to receive the exact amount sent.
What happens if I use the wrong SWIFT code?
If you use a code for a different branch of BANK OF AFRICA, the money will usually still arrive but may be delayed by 24–48 hours as it is manually rerouted. If you enter a completely incorrect code, the funds will likely be returned to your account within 5–10 business days, minus any processing fees.
Do I need a BANK OF AFRICA SWIFT code for international money transfers?
Yes. If you are sending money from abroad to an account at BANK OF AFRICA, you will almost certainly need their SWIFT code (also known as a BIC).
The SWIFT code BMCEMAMCXXX acts as a digital address for the CASABLANCA branch. Without it, the sending bank won’t know which specific institution in Morocco should receive the funds, which often leads to the transfer being rejected or stuck in "limbo". However, the requirements change slightly depending on where the money is coming from:
- Transfers from outside the EU/EEA (e.g., USA, Canada, India): A SWIFT code is mandatory. You must provide BMCEMAMCXXX along with the recipient’s name and IBAN.
- Transfers from within Europe (SEPA): If the sender is in a SEPA-member country, many modern banks only require the IBAN. However, providing the SWIFT code BMCEMAMCXXX is still recommended as a backup to ensure the transfer is routed instantly to the CASABLANCA branch.
- Domestic Transfers: If you are sending money from another bank inside Morocco, you typically do not need a SWIFT code; a local account number or IBAN is sufficient.
Pro Tip: Always double-check the 8th and 11th characters. For BANK OF AFRICA, using the specific branch code BMCEMAMCXXX instead of the generic head office code ensures the money hits the correct local ledger in CASABLANCA without manual intervention.
SWIFT Codes for main Morocco banks
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