Large banking problems that Morocco faces in 2025: a deep dive in local banks

Large-banking-problems-that-Morocco-faces-in-2025:-a-deep-dive-in-local-banks

Introduction

By 2025, banking in Morocco has become more accessible than ever, millions of citizens are now dependent on financial institutions for daily transactions, savings and loans. Despite this progress, many Morocco still has serious challenges while working with banks. From hidden fees to poor customer service, complaints are many more frequent. The article looks closely at the biggest banking issues that affect Morocco in 2025, highlighting customer experiences with large banks such as ETigi Banks, Sankat Popular, BMCE Bank of Africa and CIH Bank.

1. High fees and hidden fees

One of the most common complaints among Moroccan bank customers in 2025 is the high cost of banking services. Every day, operations such as maintaining an account, transfer or extracting cash from ATMs are often with significant fees. For example, customers of Attijariwafa Bank or Banque Populaire can only pay for the maintenance of the account between MAD 20 to MAD 20 to Madd 50 monthly.

Is there more disappointing lack of openness. Many customers are not aware of these costs until they withdraw them from the accounts. Small fees accumulate over time, creating confusion and distrust among customers who feel that they have not been informed properly.

2. Hard access to credit

Despite economic development in 2025, providing loans are a major obstacle to many Moroccan people, especially those who are self -employed or lack of formal employment. Banks such as the BMCE Bank of Africa and Cih Banks have been criticized for their strict loan criteria and complex application processes.

Owners of small businesses, freelancers and low -income people often face rejection due to insufficient guarantee or informal sources of income. Even when approved, the loan process can take weeks, many people may also advise against trying.

3. Bureaucratic procedures and delays

Another disappointing reality for bank customers of Morocco in 2025 is endless articles. Simple procedures such as updating personal information or closing an account may require submitting more trips to the branch and many documents.

For example, Banca is known for its comprehensive documentation requirements, even for basic services. At a time when customers expect fast and efficient service, such bureaucracy seems old and unnecessary. 3 takes time. 3. Bureaucratic procedures and delays

Another disappointing reality for bank customers of Morocco in 2025 is endless articles. Simple procedures such as updating personal information or closing an account may require submitting more trips to the branch and many documents.

For example, Banca is known for its comprehensive documentation requirements, even for basic services. At a time when customers expect fast and efficient service, such bureaucracy seems old and unnecessary.

4. Poor customer service

Customer service is still one of the weakest aspects of Morocco -Bank in 2025. Many customers report negative experiences such as rude behavior, long -term waiting time or lack of proper explanation of products and processes.

Attijariwafa Bank and Cih Bank customers have often shared unclear complaints, uncontrolled calls or stories of indifferent employees. In rural areas or small cities, the situation may be exacerbated due to lack of employees or lack of proper training.

Large-banking-problems-that-Morocco-faces-in-2025:-a-deep-dive-in-local-banks

5. Restricted digital bank option

Although there has been some progress in digital changes, Morocco's banks are still behind international standards. In 2025, many banks offer mobile apps and online platforms, but these services often come with errors, limited features or slow performance.

The BMCE Bank of Africa has improved its mobile bank app, but other banks are still struggling with old systems. In rural areas, Digital Bank is almost none, either because of poor internet coverage or lack of technology -loving users.

6. Low financial literacy

A low discussion was held in 2025, but the important case is a lack of financial education. Many customers use banking services without understanding how they work. They signed the contracts, eat open accounts or apply for loans without reading the nice printout.

Although Cih Bank and some others have launched consciousness campaigns, the little ones remain on a scale and do not reach a wider population. Economic education is necessary to prevent misunderstandings and help people make smart decisions.

conclusion

Finally, despite the modern look of Morocco Banks in 2025, many deep root problems affect customers. High fees, poor transparency, limited access to credit, slow processes and inadequate customer service paint a challenging image for many individuals.

In order to improve confidence and efficiency, banks such as Echarivaafa Bank, Banking Popular, BMCE Bank of Africa and Cih Bank should prioritize real reforms. This includes clear prices, intensifying administrative processes, expansion of digital services and investing in customer training.

Only then can Morocco bank system really develop in an inclusive and customer -friendly environment for the years to come.