Expat Guide to Morocco

Everything you need to know about living and working in Morocco.

Tourist visa-free entry allows 90 days for most nationalities — one of the most generous in North Africa. For longer stays, a Carte de Séjour (residence card) is needed — requirements include proof of income, address, and a sponsor or employer. Work permits require employer sponsorship. There is no digital nomad visa, though Morocco has been discussed as a potential candidate. French/Arabic language ability significantly smooths any administrative process.

Progressive income tax from 0% to 38% for residents. Non-residents are taxed only on Moroccan-source income. Foreign income for expats living in Morocco is generally not actively pursued by tax authorities if the income source is clearly foreign, though technically it could be taxable for residents. VAT at 20% standard rate (reduced rates for essentials). Morocco has double taxation treaties with 50+ countries including France, Spain, and the US. The tax system is relatively straightforward but administration can be bureaucratic.

Public healthcare is available but quality varies significantly. In Casablanca and Rabat, major hospitals provide decent care. Private healthcare is recommended — costs are very affordable by international standards. A comprehensive private insurance plan costs approximately MAD 1,000-3,000/month ($100-300). Popular private clinics include Clinique Internationale de Marrakech and Clinique du Parc (Casablanca). For serious medical issues, evacuation to France or Spain is common (Morocco's proximity to Europe is an advantage). Pharmacies are well-stocked and pharmacists often provide informal medical advice. French language ability is very helpful for healthcare interactions.

Attijariwafa Bank (Morocco's largest), BMCE Bank of Africa, and Banque Populaire are the major banks. Opening an account as a non-resident is possible but complicated — residence permit holders have easier access. Required documents: passport, proof of address, proof of income. French language significantly helps with banking interactions. Mobile payment (M-Wallet services) is growing. ATMs are widespread in cities but may be scarce in rural areas. Currency exchange is regulated — the Dirham is not freely convertible. Western Union and MoneyGram offices are very common for receiving transfers. Wise doesn't fully support MAD transfers yet — traditional wire transfers or exchange offices are alternatives.