CIMR (Caisse Interprofessionnelle Marocaine de Retraite) is the supplementary pension scheme for Morocco's private sector. Distinct from CNSS (the mandatory basic scheme), CIMR is a points-based supplementary scheme for employees whose employer is affiliated. MRE who worked in Morocco's private sector before emigrating can recover their CIMR rights, which never expire.
Costs & fees
| CIMR employee contribution | 3% to 6% of gross salary | Varies by employer contract, sometimes up to 10% |
| Access to insured account on cimr.ma | Free | |
| International transfer fees (Moroccan bank) | 50–150 MAD per month | MDM account recommended |
| Legalization of foreign documents | 30–80 EUR | If foreign supporting documents required |
Timeline
Check your CIMR rights on cimr.ma
Start by creating or accessing your insured account on cimr.ma. There you will find your CIMR points statement accumulated during your years of employment in Morocco's private sector. The statement shows points earned per year, the contributing employer's name, and the cumulative total. If you worked for several Moroccan companies affiliated with CIMR, all your points are consolidated. To log in, you will need your CIMR number (shown on your old pay slips) or your Moroccan national ID.
💡 Tip — If you cannot find your CIMR number, send an email to CIMR with your name, national ID, and the name of your former Moroccan employer. They can locate your file in their archives.
⚠️ Warning — If your former employer was not affiliated with CIMR, you have no CIMR rights for that period. Only CNSS (the basic scheme) is mandatory — CIMR is supplementary and optional depending on the employer.
Calculate your estimated CIMR pension
The CIMR pension is calculated by multiplying the number of accumulated points by the current point value. The CIMR point value is revised annually by the board of directors. In 2026, the service point value is approximately 6.20 MAD annually (0.52 MAD per month). Concrete example: if you accumulated 500 points during 8 years of work in Morocco, your annual pension will be 500 x 6.20 = 3,100 MAD per year, approximately 258 MAD per month. For longer careers, amounts can be more significant. Use the online simulator on cimr.ma.
💡 Tip — The CIMR point value generally increases each year. The longer you wait to liquidate your pension within the maximum age limit, the higher the value of your points will be.
File the liquidation application online or by post
CIMR pension liquidation can be requested from the legal retirement age (60 years for the private sector, aligned with CNSS). The application can be made online through the insured account on cimr.ma, or by postal mail sent to CIMR headquarters in Casablanca. For MRE, the online process is most practical. Complete the liquidation application form, attach the required documents, and submit. CIMR will acknowledge receipt and process the file.
💡 Tip — CIMR liquidation is not automatic: you must request it. Some MRE forget to apply and leave unused accrued rights. Remember to trigger it as soon as you reach the legal age.
⚠️ Warning — Do not confuse CIMR and CNSS. They are two separate organizations: CNSS manages the mandatory basic pension, CIMR manages the supplementary pension. Applications are made separately.
Provide required documents to CIMR
The CIMR liquidation file includes: copy of national ID or Moroccan passport, certificate of cessation of professional activity or certificate of non-activity, bank account details (Moroccan or international RIB), and a life certificate if you reside abroad. If you no longer have your former employer's contact details, this is not a problem: CIMR has a complete contribution history in its databases and can locate your file even if your former employer no longer exists.
💡 Tip — The life certificate confirming you are alive can be issued by your town hall in France, the municipality in Belgium, or the Moroccan consulate in your country of residence. It is generally required annually.
Activate international transfer via MDM account
The CIMR pension is paid in Moroccan dirhams. To receive it abroad, two options exist. First option: direct transfer to your foreign IBAN (requires providing IBAN and BIC/SWIFT to CIMR). Second option, recommended: open a convertible dirham account (MDM account — Marocains Du Monde) at a Moroccan bank such as CIH, Banque Populaire, or Attijariwafa, which allows withdrawals and transfers abroad without restrictions. The MDM account is specially designed for MRE and offers advantageous conditions for international transfers.
💡 Tip — The MDM account can also receive your other Moroccan income (rents, dividends, CNSS or CMR pension), centralizing all your Moroccan financial flows and simplifying management from abroad.
⚠️ Warning — Check with CIMR the delay between the liquidation application and the first payment — it is generally 4 to 12 weeks. Anticipate by filing your application a few weeks before your retirement date.
In depth
The CIMR points system works on a provisioned pay-as-you-go basis: each year, your contributions purchase a certain number of points whose value is set at retirement time. The point purchase price (CIMR reference salary) and the service point value vary each year based on board decisions. This system differs from the French AGIRC-ARRCO scheme (also points-based) but the principles are comparable. CIMR also manages a collective provident scheme (death and disability guarantees) whose rights may also be activated. The essential characteristic of CIMR rights is their imprescriptibility: unlike other social benefits, CIMR points never expire, even after 20 or 30 years without contact with the fund.
❌ Common mistakes to avoid
- ✕Never checking CIMR rights and leaving years of contributions without liquidation — rights do not expire but remain unused.
- ✕Confusing CIMR and CNSS: they are two separate organizations with separate procedures.
- ✕Thinking a long absence from Morocco cancels CIMR rights: false, accumulated points remain accrued indefinitely.
- ✕Failing to provide an international bank account or MDM account, blocking pension payment.
- ✕Forgetting to renew the annual life certificate required by CIMR for pensioners residing abroad.
🔗 Official links and resources
CIMR - Caisse Interprofessionnelle Marocaine de Retraite
Insured account, points statement, simulator, liquidation application
CIMR - Contact and headquarters
CIMR headquarters contact in Casablanca for postal applications
CNSS Morocco
Basic private sector pension (not to be confused with CIMR)
Bank Al-Maghrib - MDM accounts
Regulations on convertible dirham accounts for MRE
❓ Frequently asked questions
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