One app foryour mobile top-ups
Top up your phone, pay your bills, send money to loved ones (Chari → Chari at 0 DH), deposit and withdraw cash, and enjoy a Visa card — all in one app.
Institution licensed by Bank Al-Maghrib
Visa card
Face ID & PIN code
All your everyday financial services, in one app
Wallet, card, transfers, top-ups, bills, vouchers and payment collection — explore every service at a glance.
Your e-wallet
Open it and the balance sits at the top, the running history of every transaction underneath, and four shortcuts stand ready for the moves you make most often.
DiscoverEverything you do with your money, in one place.
For your business and your everyday life. Collect payments, top up, pay your bills and manage your money — all in one place.
Your Visa card, physical and virtual.
Pay anywhere in Morocco and abroad, online and in-store. You stay in control, always.
- A contactless physical card and a virtual card for your online purchases
- Your limits and transactions in full view, at any time
- Mislaid your card? Freeze it with one tap. Lost or stolen? Block it for good
Send to anyone on chari.ma, at 0 DH.
Between chari.ma accounts, it's free (0.00 DH). For transfers to a Moroccan RIB, fees are clearly shown before you confirm.
- Chari to Chari: send to anyone on chari.ma, free of charge (0.00 DH)
- To a Moroccan RIB: bank transfer to any account, with fees shown before confirmation
- A beneficiary list, with the amount always displayed before every transfer
The services your customers use every day.
Top-ups, bills and gift cards: everyday essentials you can offer in your shop — and use for yourself too. No more running from one counter to another.
- Top up Maroc Telecom, Orange and inwi in seconds
- Pay water, electricity, phone and internet bills via Fatourati
- Game top-ups and gift cards delivered instantly
For merchants and grocery stores
Beyond collecting payments, offer your customers top-ups, bills and gift cards. The more your volume grows, the more cashback you earn.
Mobile top-up
Your customers top up Maroc Telecom, Orange and inwi at your shop. Your reward is shown before you confirm, and you earn cashback based on your volume.
Bill payments
Your customers pay water, electricity, phone and internet bills via Fatourati, at your shop. You earn a commission on every payment collected.
Gift cards & gaming
Your customers buy gift cards and Free Fire, PUBG Mobile and Carry1st top-ups at your shop. A traffic driver that boosts your volume and your cashback.
Deposit and withdraw cash near you.
No traditional bank needed. A nationwide network of cash agencies across Morocco, right at your fingertips.
- Deposit cash into your account at a partner agency
- Withdraw your money in cash or to a bank account
- DamaneCash, ChaabiCash and Tasshilate networks, close to home
Built for Moroccans, backed by an institution licensed in Morocco.
- Chari → Chari fees
- 0 DH
- Telecom operators
- 3
- Ways to top up
- 5
- Moroccan
- 100%
Ready in minutes.
Three simple steps, and every service is in your hands.
Download the app
Free on the App Store and Google Play, for iOS and Android.
Create your account
Open your e-wallet in minutes, straight from your phone.
Enjoy your services
Card, transfers, top-ups, bills… Everything is ready, right away.
Your money is protected, by design.
Security is not an option: it is at the heart of chari.ma, at every moment.
- 4-digit PIN code and Face ID unlock
- Hide your balance and keep your privacy with a single gesture
- chari.ma is backed by Chari, a payment institution licensed by Bank Al-Maghrib and a Visa partner
Frequently asked questions
Everything you need to know before getting started with chari.ma.
Download chari.ma now.
Your money, your payments, your bills — all in one app. Available on iOS and Android.