Chourout l3amma dyal lista3mal
Akher ta7din: Yunyu 2026
Had chourout l3amma dyal lista3mal («Chourout») katnaddam kifach tdkhol w tsta3mel appli chari.ma w lkhadamat lmortabita bih. Appli chari.ma kaytncher w kaytsayyar dakhel majmou3at Chari, w hiya mou2assasa morakhkhasa men Bank Al-Maghrib. Melli katdir 7sab wla katsta3mel l2appli, rak katwafe9 3la had chourout ga3.
1. Lmawdou3 w nita9 l2appli
Had chourout kat7added kifach t9der t7ell 7sab lada2, w tsta3mel lbtaqa dyalek, w tdir t7wilat w t3biat, w tkhelles lfawatir, w tdkhol l lkhadamat lokhrin lli kaynin f appli chari.ma. W katttabbe9 3la ay wa7ed kay7ammel l2appli wla kayrakkbo wla kaysta3mlo, bsifa chakhsiya wla bsifto tajer sghir.
2. Tta3rifat
«L2appli» howa appli chari.ma dyal ttilifoun. «L7sab» howa 7sab lada2 lli m7loul bsmek w m3arraf b ra9m IBAN maghribi. «Lkhadamat» hiya jami3 lwadayef lli katl9ahom f l2appli: l7sab, lbtaqa, t7wilat, ssou7oubat, t3biat ttilifoun, ada2 lfawatir, btaqat lhadaya w khadamat ttoujjar. «Lmosta3mel» howa ay wa7ed 3ndou 7sab.
3. Chourout ddoukhoul w ttasjil
Bach tsta3mel lkhadamat khassek tdir 7sab. Katltzem bach t3tina ma3loumat s7i7a w kamla w m7ayyna, w t7addatha ila tbeddel chi 7aja. W 7sab l9anoun lli khddam, 7ell l7sab w sti3malo ymken yttalbo tta7a99o9 men lhawiya (KYC) w tar9iyat l7sab dyalek bach tdkhol l ba3d ssou9ouf wla lwadayef.
4. L7sab dyal lada2 w lkhadamat
L7sab dyal lada2 dyalek kaykhellik tsta9bel lflouss w t7tafed biha w tsta3melha, w takhod IBAN maghribi (RIB w IBAN w BIC), w t3emmer 7sabek b btaqa bankiya wla cash f lwakala wla b t7wil wla b rabit ada2 wla 3bra Fatourati, w tchouf rrasid dyalek w sijill l3amaliyat. Lkhadamat katt9addem 3la 9add lwadayef lli kayna f3lan f l2appli w f7doud l9anoun lli khddam.
5. Btaqat lada2
T9der trbet btaqat Visa, madiya wla iftiradiya, b7sabek. Nta mas2oul bach t7tafed b lbtaqa dyalek w b lma3tiyat dyalha w tkhelliha sirriya. Ila da3et wla tsr9at, khassek dghya twe99efha men l2appli. Sti3mal lbtaqa kaykhda3 l ssou9ouf w chourout lli mbayynin f l2appli w l 9awa3id chabakat Visa.
6. Iltizamat lmosta3mel
Katltzem bach tsta3mel lkhadamat b tari9a 9anouniya, w ma tdorrch b 79ou9 nnas lokhrin, w ma tsta3melch l2appli f oumour dyal nnasb wla ghasl lflouss wla tamwil anchita ghir 9anouniya. Nta mas2oul 3la jami3 l3amaliyat lli katddar men 7sabek w 3la aman m3arrifat ddoukhoul dyalek.
7. L2aman w ddoukhoul l l7sab
Ddoukhoul l 7sabek m7mi b ramz PIN dyal 4 ar9am, w 7sab jihaz dyalek, b tta3arrof 3la lwjeh (Face ID). Katltzem bach tkhelli had l7wayej sirriya bzzaf w ma t3tihomch l 7tta wa7ed. Ay 3amaliya katddar b lm3arrifat dyalek katt3taber dirtiha nta. Ila chekkiti f chi doukhoul machi msarra7 bih, 3ayyet dghya l dda3m.
8. Rrousoum
Rrousoum lli ymken ytabb9o 3la lkhadamat kaybano lik f l2appli 9bel ma t2akked 3la koll 3amaliya. Ba3d lkhadamat, b7al t7wilat bin l7sabat, ymken tkoun bla rousoum. Nta kat3taref blli cheftti rrousoum lli mbayyna 9bel ma t2akked ay 3amaliya.
9. Tawaffor lkhadamat w tatawworha
Kndiro koll ma n9edro bach ndamno stimrariyat lkhadamat w joudatha. Walakin l2appli ymken ykoun machi mota7 mo2a99atan b sabab ssiyana wla tta7din wla l asbab kharja 3la iradatna. N9edro ntawwro chi wadayef wla nzidohom wla n7ayydohom bach n7assno ttajriba wla nemchiw m3a l9anoun.
10. Lmilkiya lfikriya
Appli chari.ma w l3alama dyalo w cch3arat w lwajihat w lmou7tawayat dyalo m7miyin b 79ou9 lmilkiya lfikriya w kayb9aw melk dyal majmou3at Chari wla cchoraka2 dyalha. Ma kayt3tach lik 7tta tarkhis wla 7a99 kter men 7a99 sti3mal l2appli f itar had chourout.
11. Lmas2ouliya
Kn9addmo lkhadamat b 3inaya w i7tirafiya. Ma ymkench nt7ammlo lmas2ouliya ila sta3melti l2appli b tari9a machi mtaba9a, wla 3titi lm3arrifat dyalek l chi wa7ed akhor, wla f 7alat l9owwa l9ahira. Katb9a mas2oul 3la si77at lma3loumat lli katdakhkhel f l3amaliyat dyalek, khassatan ma3tiyat nnas lli katsiift lihom t7wilat.
12. Ta3li9 l7sab w ighla9o
N9edro nwe99fo 7sabek wla nseddoh ila khra9ti had chourout, wla kan chakk dyal nnasb, wla bach n7termo iltizam 9anouni wla tandimi. T9der f ay wa9t ttleb tsedd 7sabek, b chart tsewwi koll 3amaliya lli mazal khddama w t7terem liltizamat l9anouniya dyal l7ifd.
13. Ta3dil chourout
Had chourout ymken tt7addet bach tmachi tatawworat lkhadamat wla l9anoun. Nnoskha lli mtabb9a hiya lli khddama f lwa9t lli katsta3mel fih l2appli. Ghadi nkhabbrouk b tta3dilat lmohimma b tari9a monasiba.
14. L9anoun lmotabba9 w nnaza3at
Had chourout katkhda3 l l9anoun lmaghribi. Ila w9e3 chi mochkil, kantelbo mennek t3ayyet awwel 7aja l dda3m dyalna bach nl9aw 7all b ttaradi. W ila ma tl9a 7tta 7all woddi, ay niza3 kayrje3 l lma7akim lmaghribiya lmokhtassa.
15. Littisal
L ay sou2al 3la had chourout wla 3la sti3mal l2appli, t9der t3ayyet l khadamat dda3m dyalna 3la l3onwan support@chari.ma.