Bank power of attorney in Morocco for MRE: current account, withdrawals, transfers (2026 guide)

The bank power of attorney can be established directly at the bank during a visit to Morocco, or remotely via an authentic power of attorney (notary + apostille from abroad) then submitted to the bank by the agent. Each Moroccan bank has its own forms.

Delegable actions include: cash withdrawals (with or without ceiling), transfers (domestic and international), cheque cashing, balance checking, bill payments, and in some cases opening or closing sub-accounts. It is advisable to limit powers to the strictly necessary.

If the bank power of attorney is established before a foreign notary (French, Belgian, etc.), it must be apostilled and accompanied by a certified Arabic translation for Moroccan banks to accept it. A power of attorney established by a Moroccan notary does not need apostille.

The bank power of attorney is automatically revoked by the death of the principal (account holder). The account is then blocked until the heirship deed (irth) is presented by the legal heirs. This is why a specific post-death power of attorney is not possible.

Yes, MDM accounts can be subject to a bank power of attorney under the same conditions as other accounts. The power of attorney must be presented to the bank which registers it and issues a proxy card to the agent (at some banks).

The validity period is set in the power of attorney deed. If no period is specified, the power of attorney is for an indefinite duration (revocable at any time). Some banks limit validity to 1 or 2 years for security reasons.

Yes, each Moroccan bank (Attijariwafa, CIH, BMCE, BCP, BMCI, Société Générale Maroc, etc.) has its own power of attorney forms. It is essential to contact your bank directly to obtain the official form before establishing the power of attorney.