1. 1. Exact breakdown of the official 63,021 MAD (2026 package)
The official package announced by Ahmed Toufiq, Minister of Habous, covers only the services organized by the Moroccan delegation. Here is what is actually included.
| Item | Amount (MAD) | Detail |
|---|---|---|
| Casablanca-Jeddah round-trip flight | 14,500 | RAM or Saudia charter, economy class |
| Accommodation Mecca (15 nights) | 22,800 | 3-4 star hotel 800m from Haram |
| Accommodation Medina (5 nights) | 6,200 | Hotel near Masjid An-Nabawi |
| Internal transport (Mecca-Mina-Arafat) | 4,800 | Air-conditioned buses + shuttles |
| Tent Mina + Arafat (5 days) | 8,500 | Standard category, air-conditioned |
| Hajj visa + mandatory Saudi insurance | 2,100 | Saudi consular fees |
| Half-board meals | 3,600 | Breakfast + dinner included |
| Moroccan Mutawif supervision | 521 | Religious guide MA delegation |
| OFFICIAL TOTAL | 63,021 | Paid in 2 installments to the ministry |
The 63,021 MAD package represents a 2.8% increase compared to 2025 (61,300 MAD), justified by the depreciation of the dirham against the Saudi riyal and inflation in Mecca hotel rates.
Important
This amount is paid in 2 installments to the Ministry of Habous account: 30,000 MAD upon registration (March), balance of 33,021 MAD before April 30, 2026. No refund after lottery validation.
2. 2. The 8 expenses OUTSIDE the package that nobody calculates
Here are the items that pilgrims often discover too late. These expenses are not optional: they are structurally necessary to accomplish Hajj smoothly.
| Item outside package | Range (MAD) | Mandatory? |
|---|---|---|
| Rechargeable SAR card (spending money) | 6,000 - 12,000 | Yes (purchases, taxis) |
| Eid Al-Adha sacrifice (Hady at Mina) | 1,800 - 2,500 | Yes (religious obligation) |
| Gifts Zamzam + Ajwa dates + perfumes | 3,000 - 6,000 | Culturally recommended |
| Complementary takaful travel insurance | 800 - 1,500 | Strongly recommended |
| Ihram trousseau + adapted clothing | 1,200 - 2,000 | Yes |
| Medicines + prevention pharmacy | 500 - 1,000 | Yes |
| Additional luggage (return excess) | 800 - 1,500 | If bulky gifts |
| Tips for guides + porters | 600 - 1,200 | Local Saudi custom |
| TOTAL EXTRAS | 14,700 - 27,700 | Real average: 18,000 - 25,000 MAD |
Real total budget to anticipate
Official package 63,021 MAD + extras 18,000 to 25,000 MAD = between 81,000 MAD (economical) and 95,000 MAD (comfortable) for a Moroccan pilgrim in 2026.
3. 3. Economical vs standard vs comfortable budget (3-profile comparison)
Depending on your profile and habits, the total budget varies significantly. Here are 3 scenarios calculated from feedback of 200+ pilgrims from the 2025 cohort.
| Item | Economical (MAD) | Standard (MAD) | Comfortable (MAD) |
|---|---|---|---|
| Official Habous package | 63,021 | 63,021 | 63,021 |
| Rechargeable SAR card | 6,000 | 9,000 | 12,000 |
| Hady sacrifice | 1,800 | 2,100 | 2,500 |
| Gifts + Zamzam | 3,000 | 4,500 | 6,000 |
| Takaful insurance | 800 | 1,200 | 1,500 |
| Ihram + clothing | 1,200 | 1,600 | 2,000 |
| Pharmacy + medicines | 500 | 800 | 1,000 |
| Return luggage excess | 800 | 1,200 | 1,500 |
| Tips | 600 | 900 | 1,200 |
| TOTAL | 77,721 | 84,321 | 90,721 |
| Safety margin 5% | + 3,886 | + 4,216 | + 4,536 |
| FINAL TARGET BUDGET | 81,607 | 88,537 | 95,257 |
The economical profile corresponds to a pilgrim who cooks in the room, limits tourist purchases and travels light. The comfortable profile includes Medina excursions, premium purchases (10L Zamzam water, Oud perfumes, gifts for 15-20 people) and 30kg return luggage.
4. 4. Rechargeable SAR card: Moroccan issuers and real fees
Spending money is delivered in Saudi riyals via a rechargeable prepaid card. It is safer than cash and accepted everywhere in Saudi Arabia.
| Bank | Issuance fees | Applied exchange rate | Saudi ATM withdrawal fees |
|---|---|---|---|
| Attijariwafa Bank | 150 MAD | BAM rate + 1.2% | 12 SAR / withdrawal |
| BMCE Bank of Africa | 120 MAD | BAM rate + 1.4% | 15 SAR / withdrawal |
| Banque Populaire | 100 MAD | BAM rate + 1.0% | 10 SAR / withdrawal |
| CIH Bank | 180 MAD | BAM rate + 1.5% | 15 SAR / withdrawal |
Three Moroccan banks offer SAR cards dedicated to Hajj: Attijariwafa Bank (Hajj Visa card), BMCE-BOA (Salam Hajj card), and Banque Populaire (Al Hajj Mastercard). Fees vary significantly by issuer.
Exchange rate tip
Recharge your SAR card in installments in March-April 2026 rather than all at once in June. Since the Saudi riyal is pegged to the US dollar, EUR/USD fluctuations directly impact the cost. Potential savings: 200 to 500 MAD.
Finance your Hajj via Mourabaha — no conventional interest
5 participative banks offer Sharia-compliant Hajj credit. Markups 5.2 to 6.5%, up to 24 months — compare in 2 min and build your full file.
5. 5. Eid Al-Adha sacrifice (Hady) at Mina: where, how, how much
Hady is a religious obligation for the pilgrim doing Hajj Tamattu' (the most common case for Moroccans). It involves the sacrifice of a sheep or part of a camel at Mina during Eid.
- Standard Adahi IDB sheep: 750 SAR (≈ 2,100 MAD at June 2026 rate)
- Premium sheep (awassi breed): 950 SAR (≈ 2,660 MAD)
- Camel share (1/7): 850 SAR (≈ 2,380 MAD)
- Payment possible: rechargeable SAR card, transfer, SAR cash
- Sacrifice certificate delivered same day (to keep)
The simplest and officially recognized way is through the Islamic Development Bank (IDB) via its Adahi program. The pilgrim pays online or at a dedicated agency in Mina, and the meat is distributed to the needy after certified halal slaughter.
Avoid scams
NEVER pay for Hady to an informal intermediary in Mina (touts near the tents). Use exclusively the official IDB Adahi counters or coupons distributed by your Moroccan Mutawif.
6. 6. Zamzam, Ajwa dates, perfumes gifts: optimized buying guide
Gifts brought back from Hajj are part of Moroccan tradition. Properly calibrating this item avoids 2 pitfalls: paying too much in Mecca and exceeding the luggage quota on return.
Zamzam water
Each pilgrim is entitled to 1 official 5L can free of charge provided by Jeddah airport on return. For more, count 30 SAR (84 MAD) for the 10L can to buy before departure.
- Free quota: 5L per pilgrim (1 sealed can)
- Additional 10L can: 30 SAR (≈ 84 MAD)
- FORBIDDEN: transfer to personal bottles (confiscated at customs)
Medina Ajwa dates
Premium Ajwa from Medina is one of the most prized gifts. Medina price 2026: 80-120 SAR/kg for superior Ajwa quality (vs 150-200 SAR in touristy Mecca).
- Buy in Medina, never in Mecca (30% more expensive)
- Bayda market near Masjid An-Nabawi: best value for money
- Realistic budget: 2 to 4 kg sufficient (≈ 600 - 1,200 MAD)
Oud and Misk perfumes
Mecca souks (Misfalah) offer Cambodian and Indian Oud at 200-400 SAR per 10ml bottle. Expected bargaining: -20 to -30% off the displayed price.
- Authentic Oud: require certificate of origin
- Misk Tahara (alcohol-free perfume): 50-100 SAR/bottle
- Typical family gift: 4-6 small bottles (≈ 800 - 1,500 MAD)
7. 7. Savings tips 10-15% on the global budget
Anticipated planning and a few smart trade-offs allow saving between 8,000 and 12,000 MAD on the total budget, without sacrificing spiritual comfort.
- Book Hady Adahi in March-April online (save 50-100 SAR vs payment in Mina)
- Buy Ihram and accessories in Casablanca (Derb Sultan) rather than Mecca (-40%)
- Subscribe to Wafa or Saham Hajj takaful insurance from registration (early rate -25%)
- Recharge the SAR card in several installments according to EUR/USD rate
- Travel light on the way out (20kg max) to reserve return quota for gifts and Zamzam
- Cook in room 2 meals/day in Medina (shared kitchen in 70% of Hajj hotels)
- Buy Saudi SIM STC or Mobily at the airport (50 SAR / 30 days unlimited data)
- Share Mina-Arafat taxis with 3-4 pilgrims from your group (save 60 SAR/person)
8. 8. Finance the supplement with a Mourabaha Hajj credit
For a pilgrim who already has the official 63,021 MAD package paid via savings, the 18,000 to 25,000 MAD of extras can be financed by a Sharia-compliant Mourabaha credit.
| Bank | Max amount | Max duration | Total margin |
|---|---|---|---|
| Umnia Bank Hajj Salaam | 30,000 MAD | 36 months | Margin 4.8% per year |
| Bank Al Yousr Pilgrimage | 25,000 MAD | 24 months | Margin 5.2% per year |
| Bank Assafa Tamwil Hajj | 35,000 MAD | 36 months | Margin 5.0% per year |
Three Moroccan participatory banks offer a dedicated Mourabaha Hajj: Umnia Bank (Hajj Salaam Credit), Bank Al Yousr (Pilgrimage Mourabaha), and Bank Assafa (Tamwil Hajj). The principle: the bank buys the goods/services and resells them to you with a fixed margin known in advance, repayable over 12 to 36 months.
Mourabaha simulation
For 20,000 MAD over 24 months at Umnia Bank (4.8% per year margin): monthly payment of 875 MAD, total credit cost 1,000 MAD. Compare the 3 offers on wafir.ma/credit/mourabaha before signing.
9. 9. Checklist: 7 concrete actions to plan your Hajj 2026 budget
Here are the 7 steps to execute in order so as to forget nothing and arrive in Mecca without financial stress.
- ✅ Step 1 (March): Pay 1st installment 30,000 MAD to Ministry of Habous account
- ✅ Step 2 (March): Subscribe early-rate takaful insurance (Wafa or Saham)
- ✅ Step 3 (April): Pay balance 33,021 MAD before April 30, 2026
- ✅ Step 4 (April-May): Order rechargeable SAR card + 1st recharge 3,000 SAR
- ✅ Step 5 (May): Apply for Mourabaha Hajj if extras not covered by savings
- ✅ Step 6 (May): Book Hady Adahi IDB online (save 50-100 SAR)
- ✅ Step 7 (June): Buy Ihram + medicines + finalize luggage in Casablanca
Free Wafir tool
Use the Hajj budget simulator on wafir.ma/outils/simulateur-hajj to customize your budget according to your profile and obtain a 12-month savings schedule.
10. FAQ
Q.What is the real total cost of Hajj from Morocco in 2026?
Q.Why did the 63,021 MAD package increase compared to 2025?
Q.How many Moroccan pilgrims are going to Hajj 2026?
Q.How much to load on the rechargeable SAR card?
Q.Which Moroccan bank has the best SAR card fees?
Q.Is the Hady (sacrifice) really mandatory?
Q.Can Hajj be financed with a Mourabaha credit?
Q.When to pay the installments to the Ministry of Habous?
Q.Which takaful insurance to choose for Hajj?
Q.How much to plan for Zamzam and dates gifts?
Need to finance your Hajj extras 18,000 - 25,000 MAD?
Compare for free the 3 Mourabaha Hajj offers from Moroccan participatory banks: Umnia Bank, Bank Al Yousr, Bank Assafa. Simulation in 2 minutes, no commitment.
Compare Mourabaha Hajj