Question 1

How do I open a chari.ma account?

Accepted Answer

Download the app on iOS or Android, then create your account in just a few minutes. chari.ma is the app by Chari, a payment institution licensed by Bank Al-Maghrib: we ask for an ID document to verify your profile and unlock all services.

Question 2

How do I top up my account?

Accepted Answer

You have 5 ways to fund your account: by bank card directly in the app, in cash at a cash agency (DamaneCash, ChaabiCash, Tasshilate), by bank transfer to your IBAN, via a payment link or QR code, and through Fatourati. Choose whatever works best for you.

Question 3

Do I get a real Moroccan IBAN?

Accepted Answer

Yes. Your chari.ma account is an e-wallet with a Moroccan IBAN (plus your RIB and BIC). You can share it to receive a salary or a bank transfer, exactly like a traditional account.

Question 4

How long does an agency deposit take to arrive?

Accepted Answer

A cash deposit at a partner agency is credited to your account as soon as the transaction is confirmed. Every transaction appears in your history, in real time.

Question 5

What does "Upgrade my account" mean?

Accepted Answer

It's the step to move up to a higher verification level. By completing your information, you unlock higher limits and the full range of services in the app.

Question 6

Which card do I get with chari.ma?

Accepted Answer

You get the Chari Standard Visa card, in both physical and virtual versions. You can pay in-store, online and contactless anywhere Visa is accepted.

Question 7

Can I use my virtual card right away?

Accepted Answer

Yes. Your virtual card is available in the app as soon as it's activated: you can use it immediately for online payments, without waiting for the physical card.

Question 8

I lost my card, what should I do?

Accepted Answer

You have two options in the app. "Freeze" deactivates your card reversibly, handy if you've just misplaced it. "Block" cancels it permanently in case of loss or theft. You're back in control in two taps.

Question 9

How do I view my full card number?

Accepted Answer

By default your number is hidden for your security. You can reveal it on demand from your card details, after authentication.

Question 10

Can I manage my card limits?

Accepted Answer

Yes, you'll find your limits and transaction history in your card details, directly in the app.

Question 11

How much does a transfer cost?

Accepted Answer

Between chari.ma accounts: 0.00 DH. To a Moroccan RIB: fees are displayed before every transfer. You always see the amount and any fees before confirming.

Question 12

How do I send money to someone?

Accepted Answer

Pick a beneficiary from your address book (with an alias to find them quickly) or enter a RIB, set the amount and the reason (Salary, Gift, Restaurant, Medical expenses…), then confirm. Done in two taps.

Question 13

How do I withdraw my money in cash?

Accepted Answer

You can withdraw cash at a partner agency, or request a bank transfer to another bank account. You choose whichever method suits you at the time of withdrawal.

Question 14

Can I save my beneficiaries?

Accepted Answer

Yes. Your beneficiary list keeps your contacts with a personalized alias, so you can send money again in an instant next time.

Question 15

Which operators can I top up?

Accepted Answer

You can top up Maroc Telecom, Orange and inwi directly in the app. Enter the number to recharge, choose the amount, and it's instant.

Question 16

What top-up amounts are available?

Accepted Answer

Several amounts are available, from a small boost to a large top-up, along with Internet Passes. All your top-ups appear in your history.

Question 17

Which bills can I pay?

Accepted Answer

Through Fatourati, you can pay water and electricity (Amendis, Redal, SRM…) and phone & internet (Maroc Telecom, Orange, inwi), with nationwide coverage. Organize your payments across Favorites, Billers and History.

Question 18

Can I save my recurring bills?

Accepted Answer

Yes. Add your billers to Favorites to find them at a glance and pay faster every month.

Question 19

What are vouchers and Direct Top Up?

Accepted Answer

They're gift cards and gaming top-ups (Free Fire, PUBG Mobile, Carry1st…). With Direct Top Up, the credit lands instantly in your game account.

Question 20

Is chari.ma safe?

Accepted Answer

Yes. chari.ma is the app by Chari, a payment institution licensed by Bank Al-Maghrib, and your card is a Visa. Your account is protected by a 4-digit PIN code and Face ID.

Question 21

How do I secure access to the app?

Accepted Answer

You protect the app with your 4-digit PIN code and Face ID. No one can open the app or confirm a transaction without this authentication.

Question 22

Can I hide my balance?

Accepted Answer

Yes. From the privacy settings, you can hide your balance with a single gesture, handy when checking the app in public.

Question 23

What if my phone is stolen?

Accepted Answer

Your access stays protected by your PIN code and Face ID. You can also freeze or block your card from another device connected to your account, and contact support for assistance.

How can we help you?

Open and fund your account

Your chari.ma Visa card

Send and withdraw your money

Mobile top-ups and bill payments

Protect your account and your money

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