Clear pricing, built for Morocco.
For you, the essentials are free and Chari → Chari transfers cost 0 DH. For merchants and partners, benefits that grow with your business. No hidden fees, ever.
Choose what fits you.
Whether you're an individual, a merchant or a partner, chari.ma adapts to how you use it. The more business you do with us, the bigger your benefits.
Individual
To manage your money every day, simply, from your phone.
Free
Download the app and open your account at no cost.
- E-wallet with your own Moroccan IBAN
- Physical and virtual Visa card
- Chari → Chari transfers at 0 DH. To a RIB, fees shown before you confirm
- Maroc Telecom, Orange and inwi mobile top-ups
- Bill payments via Fatourati
- Cash deposits and withdrawals at partner agencies
- Face ID security and 4-digit PIN
Merchant
To collect payments from your customers and grow your business.
Tailored to your volume
We adapt your pricing and cashback to your business.
- All the benefits of the individual profile
- Receive payments by QR code, no terminal or hardware needed
- Collect payments by bank card, Fatourati or RIB
- Share a chari.pay.ma payment link with your customers
- Mobile top-ups (Maroc Telecom, Orange, inwi): cashback based on your volume
- Bill payments via Fatourati: you earn a commission on every collection
- Gift cards & gaming (Free Fire, PUBG Mobile…): margins and cashback based on your volume
- Tiered pricing: as your volume grows, so does your cashback
- Dedicated support to get started
Partner
For businesses that want to go further with Chari.
Enhanced benefits + Chari Cash network
The most advantageous terms, worked out with you.
- All the benefits of the merchant profile
- Even better pricing and cashback
- Integration into the Chari Cash network
- Cash deposits and withdrawals for your customers
- Terms tailored to your business
- Priority support and follow-up
Merchant and partner pricing depends on your business: we discuss it together to offer you what suits you best.
The essentials cost you nothing.
Card, top-ups, bills, cash… Your everyday services are free, and your Chari → Chari transfers cost 0 DH.
Chari → Chari transfers at 0 DH
Send money to a loved one on chari.ma, free of charge. To a Moroccan RIB, it’s a bank transfer with fees shown before you confirm.
No hidden fees. Promise.
With chari.ma, you always know what you're paying before you confirm. No fine print, no bad surprises.
Everything shown upfront
Every amount and any applicable fee is clearly displayed before you confirm a transaction.
Nothing is concealed
No fine print, no hidden fees. What you see is what you pay, period.
Your full history
Find all your transactions in the app, anytime, to track your money with complete clarity.
Licensed institution
chari.ma is backed by Chari, a payment institution licensed by Bank Al-Maghrib and a Visa partner.
Transparency, our ground rule
The fee, when there is one, is on screen before you confirm. You always decide with the full picture.
Pricing questions
Everything you need to know about what you pay — and what you don't.
Get started for free with chari.ma.
Visa card, Chari → Chari transfers at 0 DH, top-ups and bills — all in one app. Available on iOS and Android.