Banque Marocaine du Commerce Exterieur SWIFT/BIC code

BMCEMAMC – the SWIFT/BIC code of Banque Marocaine du Commerce Exterieur

The 8-character code BMCEMAMC and the full code BMCEMAMCXXX identify the same bank: Banque Marocaine du Commerce Exterieur in Casablanca, Morocco. A BIC has a single purpose: it makes sure that money from abroad ends up at the right bank. It comes up mainly for transfers between countries or a currency.

On this page you will find how the code is put together, when it matters and which other details you need for a transfer to or from Banque Marocaine du Commerce Exterieur. The SWIFT code on its own cannot identify an individual account holder; for that you need the IBAN or account number is for.

When will the money arrive at Banque Marocaine du Commerce Exterieur?

How quickly a payment arrives at Banque Marocaine du Commerce Exterieur is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in the sending or receiving country add extra days, since banks do not process on those days. Occasionally a bank wants to know about the purpose of a payment before releasing it.

If a transfer is late, ask the sending bank for the tracking status. Specialist transfer services often provide tracking online so you can see where the payment has got.

If a payment has not arrived after a few business days, the sender should contact their own bank rather than Banque Marocaine du Commerce Exterieur. Ask the sender for a copy of the payment confirmation including the reference; that often settles the question quickly.

Why Banque Marocaine du Commerce Exterieur has an 8- and an 11-character code

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and a two-character location code. Combined, these eight characters make up BMCEMAMC – the version you usually see online.

XXX at the end of BMCEMAMCXXX does not stand for a placeholder or an error: it indicates the head office of Banque Marocaine du Commerce Exterieur. Certain payment forms ask for 11 characters, and then you simply enter XXX after BMCEMAMC.

Type the code in one piece, in upper case and without spaces, exactly as shown here. Pasting the code beats typing it by hand.

Where our SWIFT data comes from

The details on this page are taken from public sources which we refresh regularly. It is possible that a code here is out of date. Figures such as the number of codes come from our directory and may differ from what Banque Marocaine du Commerce Exterieur publishes.

Use this page as a starting point, not as the last word – the bank details from the recipient are leading. GoldexPay is not affiliated with Banque Marocaine du Commerce Exterieur. Spotted an error? Tell us through the contact page and we will look into it.

Is BMCEMAMC still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given does not match BMCEMAMC or BMCEMAMCXXX, do not guess – contact the recipient or Banque Marocaine du Commerce Exterieur.

Mistakes in the SWIFT code tend to be annoying rather than fatal. A mistake in the account number can be more serious because it can reach the wrong person.

An automatic check in your banking app only tells you that the IBAN exists, not that it is the right account. Where available, a payee name check before sending gives extra certainty. For a first payment, many people start with a small test amount before sending the rest.

Which of the 7 codes of Banque Marocaine du Commerce Exterieur do you need?

We have 7 SWIFT/BIC codes for Banque Marocaine du Commerce Exterieur. Besides the head office code BMCEMAMCXXX, there are codes for individual branches and departments.

For most incoming transfers, the head office code BMCEMAMCXXX is the right choice. Branch codes are only needed when the recipient’s bank specifically mentions it, which is more common for corporate accounts and specialised services.

Not sure which code applies? Ask the recipient or the bank itself. Codes for branches are more likely to be retired than BMCEMAMCXXX when a bank merges or closes offices.

International transfers from Banque Marocaine du Commerce Exterieur: the real cost

A bank transfer abroad can cost more than the listed fee. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate that includes a margin. A simple test: set the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services frequently use rates closer to the mid-market rate and lower fees. GoldexPay lists these services next to each other, showing the amount the recipient gets. You can always keep your account at Banque Marocaine du Commerce Exterieur as the source of the money, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a message saying that a supplier now has a new bank account and asking you to pay there from now on. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never trust contact details from the same email that contains the change. Urgency and secrecy tend to be red flags – a real supplier can wait a day. Acted too fast? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Scams also work the other way. Someone claims to have sent too much and wants you to refund the extra via a different route. A payment confirmation from the sender is no proof.

Incoming international payments to Banque Marocaine du Commerce Exterieur

If you expect a payment from another country, send the payer a complete set of details. What they need is: the account holder’s name, account number or IBAN, BMCEMAMCXXX or BMCEMAMC and, for some countries, your postal address.

It helps to include Banque Marocaine du Commerce Exterieur and Casablanca too, because some payment forms have separate fields for them. Check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account is often lower than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. For business payments, you can state who bears the costs, so that nobody is left short.