Everyday financial services, accessible to everyone
chari.ma is the consumer app of Chari, the Chari Group entity licensed by Bank Al-Maghrib as a payment institution. Our mission is simple: put an account, a card and every everyday financial service in the pocket of every Moroccan, wherever they are.
Financial inclusion, truly for everyone
In Morocco, opening an account, paying a bill or sending money is still complicated for many people. We decided to make it all simple. With chari.ma, you open an e-wallet with a Moroccan IBAN from your phone, in minutes, with no paperwork and no branch visits.
- An e-wallet with a Moroccan IBAN, opened directly from the app
- A physical and virtual Visa card to pay anywhere
- Transfers to friends and family on chari.ma at 0 DH, and to any RIB with fees shown before you confirm
- Mobile top-ups, bill payments and merchant payments, all in one place
From neighborhood commerce to finance for everyone
The Chari Group was born from a conviction: technology should serve everyday merchants and families, not just large corporations. After building a nationwide network of neighborhood merchants, the Group saw its Chari entity obtain the payment institution license from Bank Al-Maghrib. chari.ma is the culmination of that journey: the super-app that makes these services accessible to everyone, individuals and small merchants alike.
- Payment institution licensed by Bank Al-Maghrib
- Y Combinator alumni
- A Moroccan team rooted in local commerce
- Built for individuals AND small merchants
Solid infrastructure behind a beautifully simple app
chari.ma is built on the expertise and infrastructure of the Chari Group. Three complementary building blocks, one promise: reliable, accessible financial services.
Chari Group
The holding companyThe Chari Group is the parent company and a Y Combinator alumnus. Its Chari entity is the payment institution licensed by Bank Al-Maghrib. It is the guarantee of strength and compliance behind every service.
ChariBaaS
The infrastructureChariBaaS is the Group's technology platform: accounts, cards, payments and compliance. It is the invisible engine that keeps every service running securely.
chari.ma
The super-appchari.ma is the app in your hands: account, card, transfers, mobile top-ups, bills and merchant payments, brought together in one simple experience in French, Arabic and Darija.
A Moroccan team, serving Moroccans
From the souk to the smartphone, we know local commerce and everyday life here. That closeness inspires every chari.ma service.
What guides us every day
Four simple principles that shape every screen and every decision in the app.
Accessible to everyone
A clear app, in French, Arabic and Darija, that you use with no training and no jargon. Core services are free for individuals.
Security first
A payment institution licensed by Bank Al-Maghrib, with a Visa card, Face ID and PIN code. Your data and your money are protected at every moment.
Simple and useful
We remove the complexity, not the features. Every detail is designed to save you time, every day.
Close to you
A network of cash agencies across Morocco to deposit or withdraw near you, and a support team that listens.
Join the chari.ma community
Download the app and open your account in minutes, wherever you are in Morocco.