Attijariwafa Bank vs Bank of Africa (BMCE)
Choosing between two major Moroccan banks requires looking beyond the advertised rate: branch network, target audience, digital quality, subsidiary strength, fit for your profile (young professional, civil servant, MRE, entrepreneur, retiree). This 2026 comparison reviews these 8 dimensions based on public data, APSF, Bank Al-Maghrib, and our rating base.
Comparison table
| Bank | Attijariwafa Bank | Bank of Africa (BMCE) |
|---|---|---|
| Type | Conventional | Conventional |
| Founded | 2003 | 1959 |
| Branches | 2 600 | 710 |
| 2026 mortgage rate | 4.1% – 5.2% | 4.15% – 5.25% |
| 2026 consumer credit rate | 6.5% – 11% | 6.7% – 11.3% |
| Digital (/5) | 4.5 / 5 | 4.3 / 5 |
| Customer service (/5) | 4.2 / 5 | 4.1 / 5 |
Attijariwafa Bank is designed for:
All individuals, businesses of all sizes, MRE (via Attijariwafa Bank Europe)
View full profileBank of Africa (BMCE) is designed for:
Premium executives, exporting businesses, Western Europe MRE, African investors
View full profileDifferentiating strengths
Attijariwafa Bank
- Largest network (2,600 branches)
- Mortgage leader
- Integrated Wafa Assurance
- African presence in 25 countries
Bank of Africa (BMCE)
- Pan-African group (20 countries)
- BMCE Bank International Europe
- Maghrebail leasing subsidiary
- BMCE Capital private banking
The wafir.ma verdict
The choice depends above all on your profile. Here are our recommendations for common use cases in Morocco in 2026:
→ Attijariwafa Bank
Denser European branch network
→ Attijariwafa Bank
Better mobile app and online services
→ Attijariwafa Bank
Participatory bank certified by Higher Council of Ulemas
→ Attijariwafa Bank
Wide branch network and diversified subsidiaries
→ Attijariwafa Bank
Rural coverage and agriculture-preferential rates
Need help choosing?
Our advisors can analyze your profile and direct you to the bank best suited to your project (mortgage, MRE account, consumer loan, business account).