1. 1. Official 2026 Hajj price: 63,021 MAD and exactly what it covers
On March 14, 2026, Minister Ahmed Toufiq officially announced before the Foreign Affairs Committee of the House of Representatives that the 2026 Hajj cost is set at 63,021 MAD per pilgrim, up 1,850 MAD from 2025 (61,171 MAD). The increase comes almost entirely from higher accommodation fees in Mecca charged by Saudi authorities (+1,200 MAD) and the revaluation of Moroccan mission supervision fees (+650 MAD). The Kingdom of Morocco's quota this year stands at 33,000 pilgrims (31,000 via the official mission + 2,000 via accredited travel agencies), in accordance with the Saudi rule of 1 pilgrim per 1,000 inhabitants.
The 63,021 MAD package is an all-inclusive flat fee covering services negotiated in bulk by the Habous ministry with Saudi providers and Royal Air Maroc / Saudia. It does NOT include personal expenses, the Eid al-Adha sacrifice (hady, 1,800-2,500 MAD), gifts, private transfers, or the complementary takaful insurance that many pilgrims voluntarily add.
Detail of services included in the 63,021 MAD
- Saudi Hajj visa (consular fees) — 2,850 MAD
- Round-trip flight Casablanca/Jeddah or Medina on Royal Air Maroc / Saudia — 11,200 MAD
- Accommodation in Mecca (12-15 nights, 3 or 4-star hotel in Aziziya/Ajyad area) — 21,500 MAD
- Accommodation in Medina (4-5 nights, hotel in Markaziya area near the Prophet's Mosque) — 8,200 MAD
- Internal transfers Mina/Arafat/Muzdalifa + air-conditioned Mina tents (Moroccan Maktab) — 9,800 MAD
- 3 meals/day catering throughout the stay — 5,400 MAD
- Moroccan mission supervision (Mourchidines, doctors, logisticians) — 2,871 MAD
- Mandatory Saudi health insurance 245,000 MAD coverage — 1,200 MAD
What the package does NOT include
- Eid al-Adha sacrifice (hady) — 1,800 to 2,500 MAD depending on sheep/goat weight
- Al Barid Bank rechargeable SAR card for personal expenses — 6,000 to 12,000 MAD
- Gifts to bring back (Zamzam, prayer rugs, Ajwa dates, perfumes) — 3,000 to 6,000 MAD
- Private VIP transfers in Mecca (Uber Saudia taxi) — 1,500 to 3,000 MAD
- On-site clothing purchases (jellabas, abayas, tasbih) — 1,500 to 2,500 MAD
- Complementary Hajj takaful insurance (enhanced repatriation, baggage) — 800 to 1,500 MAD
- Phone communications (Saudi SIM STC or Mobily) — 250 to 500 MAD
- Additional medical fees and personal medications — 500 to 1,200 MAD
Official reference
The 63,021 MAD rate is published by decree of the Minister of Habous and Islamic Affairs, in accordance with Law No. 17-83 organizing the Hajj mission. The detailed grid is available on habous.gov.ma and at regional delegations (Wilayas).
2. 2. Real total budget for a Moroccan pilgrim in 2026: 81,000 to 95,000 MAD
| Expense item | Thrifty budget (MAD) | Standard budget (MAD) | Comfortable budget (MAD) |
|---|---|---|---|
| Official Habous ministry rate | 63,021 | 63,021 | 63,021 |
| Eid al-Adha sacrifice (hady) | 1,800 | 2,100 | 2,500 |
| Rechargeable SAR card (on-site spending) | 6,000 | 9,000 | 12,000 |
| Gifts to bring back (Zamzam, dates, perfumes) | 3,000 | 4,500 | 6,000 |
| Private VIP transfers Mecca/Medina | 0 | 1,800 | 3,000 |
| On-site clothing purchases | 1,500 | 2,000 | 2,500 |
| Complementary Hajj takaful insurance | 800 | 1,100 | 1,500 |
| Saudi SIM + communications | 250 | 350 | 500 |
| Medical fees + personal medications | 500 | 800 | 1,200 |
| Internal transport Morocco (Wilaya → Casablanca airport) | 400 | 700 | 1,200 |
| TOTAL ENVELOPE | 77,271 | 85,371 | 93,421 |
To plan calmly, you must add to the official 63,021 MAD package the 3 categories of off-package expenses: (1) mandatory expenses not included (hady, enhanced health insurance), (2) personal on-site expenses (purchases, gifts, transfers), (3) post-Hajj expenses (medications, return airport fees, internal transport within Morocco). Depending on the pilgrim's profile (frugal vs comfortable, single vs couple), the total budget ranges from 81,000 MAD (thrifty pilgrim, first Hajj, no extras) to 95,000 MAD (comfortable pilgrim, many gifts, premium takaful).
Synthèse
The 85,371 MAD standard budget is the benchmark used by most Moroccan families in 2026: it covers mandatory expenses, a reasonable SAR envelope, meaningful gifts (Zamzam for the whole family, Ajwa dates, Oud perfumes), correct takaful insurance and practical transfers to limit physical fatigue. It is also the amount that participative banks use as a calculation basis for their Hajj Mourabaha offers.
3. 3. Al Barid Bank collection: step-by-step procedure (June 29 – July 10, 2026)
The Habous ministry has designated Al Barid Bank as the sole collecting institution for 2026 Hajj fees for pilgrims of the official mission. The collection period runs from Sunday, June 29, 2026 to Friday, July 10, 2026, i.e. 12 business days including 2 Saturdays. No payment is accepted before June 29 or after July 10: a pilgrim who misses the window loses accreditation, and their place is reassigned to a substitute on the waiting list.
Before June 29: verify your accreditation
- Check the official list of selected pilgrims on hajj.habous.gov.ma (final publication June 22-25, 2026)
- Verify your Qoura lottery number received by SMS from the Habous ministry since February 2026
- Pick up from the Wilaya your admission certificate (Wathiqat Qabool) with photo and fingerprint
- Prepare ID (CIN) + biometric passport valid > 6 months after return date
- Gather the 63,021 MAD in Al Barid Bank account (free opening if needed) or in cash
Step 1 — Visit an Al Barid Bank branch
1,850 Al Barid Bank branches are mobilized nationwide for the 2026 Hajj collection. Prefer your home Wilaya branch (the one that issued the Wathiqat Qabool admission certificate) to avoid administrative blockages linked to inter-regional file transfer. Extended hours during the period: 8:30 AM-6:30 PM Monday to Friday, 9 AM-1 PM on Saturday July 4, 2026.
Step 2 — Present documents and pay
- Original CIN + 1 copy
- Original biometric passport + 1 copy
- Wathiqat Qabool (admission certificate) issued by the Wilaya
- Qoura lottery number
- 63,021 MAD in cash, by certified Al Barid Bank check, or by debit from the Al Barid Bank account
- Blood group proof (card or medical certificate)
Step 3 — Receive the receipt and Hajj booklet
The branch immediately provides: (a) the official payment receipt to keep carefully (to present at the airport and in Saudi Arabia), (b) the Hajj booklet (Daftar Al-Hajj) with QR code linked to your Saudi Nusuk file, (c) the free Al Barid Bank rechargeable SAR card (to be reloaded separately with your personal SAR budget), (d) confirmation of the Royal Air Maroc / Saudia flight with date and departure airport.
Step 4 — Alternative option: payment via Barid Bank Mobile app
New in 2026: Al Barid Bank has deployed a Hajj module in its mobile app allowing remote payment for pilgrims who cannot travel to a branch (Moroccans abroad, elderly, sick). Procedure: open the app > 'Hajj 2026' section > enter Qoura number + CIN number > automatic eligibility check > 63,021 MAD debit from Al Barid Bank account > generation of digital receipt with QR. The physical Hajj booklet is sent by Amana to the Wilaya address within 5 business days.
Calendar alert
No waiver is granted after July 10, 2026 at 6:30 PM. In 2025, 47 Moroccan pilgrims lost their accreditation for payment default within the deadlines — their place was redistributed to substitutes the day before departure. Do not wait for the last days.
4. 4. Hajj Mourabaha loan: 2026 comparison of the 5 participative banks
| Participative bank | Mourabaha margin | Max amount | Max duration | File fees | Specificity |
|---|---|---|---|---|---|
| Bank Assafa (Attijariwafa) | 5.20% | 150,000 MAD | 24 months | 300 MAD | Direct disbursement to Habous ministry |
| Umnia Bank (CIH + Qatar Int.) | 5.50% | 120,000 MAD | 24 months | 250 MAD | Free SAR card + Hajj Takaful included |
| Al Yousr (BMCE + Al Baraka) | 5.80% | 100,000 MAD | 18 months | 200 MAD | Fast-track validation 72h |
| BTI Bank (BMCI + Atlantasanad) | 6.00% | 100,000 MAD | 24 months | 300 MAD | Family co-borrower allowed |
| Arreda (Crédit Agricole + Qatar) | 6.50% | 85,000 MAD | 18 months | 200 MAD | Specialized rural + farmers |
For pilgrims who do not immediately have 63,021 MAD (or the 85,000 MAD total budget) available, 5 Moroccan participative banks offer in 2026 a Hajj Mourabaha loan 100% Sharia-compliant, validated by the Higher Council of Ulemas. Mourabaha principle: the bank itself purchases the 'Hajj package' (via agreement with an accredited agency or via the Habous ministry), then resells it to the customer with a fixed profit margin announced in advance. No interest (riba) — only a commercial margin known from signing. Maximum duration is limited to 24 months to avoid religious over-indebtedness. Comparison of the 5 offers as of June 12, 2026.
Numerical example — 85,000 MAD Hajj Mourabaha at Bank Assafa
Amount financed: 85,000 MAD (covers 63,021 official package + 22,000 standard extras). Mourabaha margin: 5.20% annualized. Duration: 24 months. Calculation: total price resold by the bank = 85,000 × (1 + 5.20% × 2) = 85,000 + 8,840 = 93,840 MAD. Fixed monthly payment: 93,840 / 24 = 3,910 MAD/month. Total Mourabaha cost: 8,840 MAD (vs ~8,500 MAD for a classic consumer loan at equivalent nominal 4.8% rate). No mandatory death-disability insurance (the Mourabaha already integrates a collective takaful fund).
Hajj Mourabaha eligibility conditions
- Age: between 25 and 65 years at signing (up to 67 years at end of repayment)
- Pilgrim officially accredited by the Habous ministry (Wathiqat Qabool mandatory)
- Permanent contract employee > 6 months OR civil servant OR retiree with regular pension OR self-employed 2 years of activity
- Minimum net monthly income: 4,500 MAD (Bank Assafa) to 6,000 MAD (BTI Bank)
- Total debt ratio (including new Mourabaha installment) ≤ 40%
- No payment incident at Bank Al-Maghrib Central Risk Bureau (CRBM) over the last 24 months
Hajj Mourabaha supporting documents
- CIN + 1 copy
- Wathiqat Qabool (Hajj admission certificate issued by the Wilaya)
- Last 3 payslips OR last 2 IR tax declarations (self-employed) OR pension title (retirees)
- Work certificate < 1 month (employees)
- Last 6 bank statements (all accounts)
- Proof of residence < 3 months (water/electricity/phone bill)
- Debit account RIB (Al Barid Bank or participative bank)
Sharia compliance
The 5 listed Hajj Mourabaha offers are certified by Morocco's Higher Council of Ulemas (CSO). Request in branch the Sharia compliance certificate (Shahada Sharia) before signing — it attests to the absence of riba and the religious validity of the contract.
5. 5. Hajj Takaful insurance: 2026 comparison of the 4 Moroccan operators
| Takaful operator | Premium | Medical repatriation | Baggage | Accidental death | Total coverage |
|---|---|---|---|---|---|
| Wafa Takaful (Attijariwafa) | 1,100 MAD | Unlimited | 8,000 MAD | 500,000 MAD | Premium |
| RMA Watania Takaful | 950 MAD | 300,000 MAD | 6,000 MAD | 400,000 MAD | Standard + |
| AtlantaSanad Takaful | 800 MAD | 250,000 MAD | 5,000 MAD | 350,000 MAD | Standard |
| Macir Vie (Saham) | 1,500 MAD | Unlimited | 10,000 MAD | 600,000 MAD | Premium + |
The mandatory 245,000 MAD Saudi health insurance is already included in the 63,021 MAD package (1,200 MAD negotiated in bulk). But it is limited to emergency hospitalization on Saudi territory and does NOT cover: medical repatriation to Morocco, baggage loss/theft, accidental death, cancellation for medical reasons, legal fees. A complementary takaful insurance (Sharia-compliant, without riba or gharar) is strongly recommended. 4 takaful operators accredited by ACAPS market in 2026 a dedicated Hajj formula.
What a Hajj takaful insurance covers
- Medical repatriation to Morocco in case of long hospitalization or medical necessity
- Complementary medical fees not covered by Saudi health (medications, outpatient care, emergency dental)
- Loss, theft or damage to baggage (limited to 5,000-10,000 MAD depending on formula)
- Accidental death during the pilgrimage (capital paid to beneficiaries, 350,000 to 600,000 MAD)
- Forced cancellation for serious medical reason before departure (reimbursement of Hajj fees incurred)
- Legal assistance in case of dispute on site
- Cash advance in case of payment method theft
Subscription: 3 possible channels
- Directly with the takaful operator (Wafa Takaful, RMA Watania, AtlantaSanad, Macir): branch or online — 24h delay
- Via the participative bank financing the Hajj Mourabaha (Umnia Bank includes Wafa Takaful free in its Mourabaha)
- Via an accredited Hajj travel agency (50-80 MAD commission added to premium)
Wafir recommendation
For a controlled budget, AtlantaSanad Takaful (800 MAD) covers essential repatriation. For a family with elderly people or pre-existing medical conditions, Macir Vie (1,500 MAD) with unlimited repatriation and 600,000 MAD coverage is the rational investment.
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.
6. 6. Mandatory Saudi health coverage: 245,000 MAD minimum
Since 2022, the Saudi Ministry of Hajj requires every foreign pilgrim to have minimum health coverage equivalent to 100,000 SAR (≈ 245,000 MAD at the 2026 rate of 1 SAR = 2.45 MAD). This coverage includes: emergency hospitalization in accredited Saudi hospitals (King Abdul Aziz Hospital Jeddah, Al Noor Mecca, King Fahd Madinah), emergency surgical interventions, intensive care, ambulance transport within Saudi Arabia. The 1,200 MAD premium negotiated in bulk by the Habous ministry is integrated into the 63,021 MAD package — you have no formality to handle for this mandatory coverage.
What the Saudi 245,000 MAD coverage does NOT cover: (1) medical repatriation to Morocco — left entirely to the family if needed (real cost of medical repatriation Jeddah-Casablanca: 80,000 to 180,000 MAD), (2) non-emergency care (scheduled dental, optical, dermatology), (3) long-term medications to be renewed on site, (4) death and repatriation of remains (cost 35,000 to 60,000 MAD if needed), (5) hospital fees beyond the 245,000 MAD ceiling (rare but happens during strokes or major cardiac interventions).
At-risk population: medical recommendation
The Hajj is physically demanding: 12 to 17 days with multi-kilometer walks per day, extreme heat (45-50°C in Mina), dense crowds (2 million pilgrims). The Moroccan Ministry of Health (mandatory Hajj consultation in Wilaya before departure) systematically recommends complementary takaful insurance for: persons > 65 years, insulin-dependent diabetics, hypertensive, cardiac, kidney failure, severe asthmatics, pregnant women (Hajj not recommended). The Hajj consultation also includes mandatory vaccinations: meningitis ACWY (free), seasonal flu (free), Covid-19 (booster recommended).
7. 7. Prepaid Hajj SAR bank card: Al Barid Bank, Attijari, BMCE
| Prepaid SAR card | Issuance fees | Loading ceiling | Saudi ATM withdrawal commission | Specificity |
|---|---|---|---|---|
| Al Barid Bank Hajj Card | Free (offered to pilgrims) | 60,000 MAD ≈ 24,500 SAR | 12 MAD/withdrawal | Automatic delivery upon Hajj payment |
| Attijariwafa Hajj Travel Card | 100 MAD | 100,000 MAD ≈ 40,800 SAR | 15 MAD/withdrawal | Attijari Mobile app real-time tracking |
| BMCE Bank of Africa Hajj Card | 120 MAD | 80,000 MAD ≈ 32,600 SAR | 10 MAD/withdrawal | Coupled with USD/EUR currency account |
Carrying 12,000 MAD in cash in the suitcase is risky (theft, loss, Saudi customs control limited to 60,000 SAR without declaration). The standard 2026 solution is the multi-currency prepaid card rechargeable in SAR, accepted in all Saudi merchants with a POS terminal and in Al Rajhi Bank, NCB, SAB, Riyad Bank ATMs. 3 Moroccan banks market it.
Hajj SAR card usage tips
- Load the card 7 days before departure to ensure available credit (SAR value delay: 24-72h)
- Keep a paper copy of the card number + opposition number separately
- Activate Morocco SMS notifications (Maroc Telecom IAM roaming 5 MAD/SMS) for traceability
- Have a backup card (classic Visa/Mastercard) in case of blocking
- Withdraw SAR in tranches of 1,000-2,000 SAR maximum to limit commissions
- NEVER share your PIN code — targeted fraud against foreign pilgrims (notably in Aziziya)
8. 8. Budget tips: save 10 to 15% on the total envelope
- Pay the hady only once in Mecca via the Adahi electronic system (1,800 MAD vs 2,500 MAD for private agencies) — saving 700 MAD
- Limit gifts to symbolic essentials: Zamzam (1 10L canister allowed per airline 200 MAD), Ajwa dates (1 kg 350 MAD), family tasbih — saving 2,500-3,500 MAD vs impulse purchases
- Use free Moroccan mission transfers rather than private taxis (except medical necessity) — saving 1,500-3,000 MAD
- Load the SAR card in tranches rather than in bulk to limit unfavorable exchange if MAD strengthens — saving 200-400 MAD
- Subscribe to AtlantaSanad takaful (800 MAD) if in good health rather than Macir Vie premium (1,500 MAD) — saving 700 MAD
- Buy jellabas and abayas in Morocco before departure (Fez, Marrakech souks) rather than in Mecca (price x2) — saving 800-1,500 MAD
- Activate the Maroc Telecom Hajj roaming option (30-day plan 250 MAD) rather than Saudi SIM purchase + reloads — saving 200-300 MAD
- Pay the 63,021 MAD via Bank Assafa Mourabaha (5.20%) rather than Umnia (5.50%) or BTI (6.00%) — saving 500-1,200 MAD over 24 months
- Travel light (1 23 kg suitcase + 1 cabin) — avoid Royal Air Maroc / Saudia excess baggage fees (200 MAD/extra kg on return, loaded with gifts)
Without compromising the religious and physical comfort of the Hajj, several levers allow saving 8,000 to 14,000 MAD on the 85,000 MAD standard budget. Tips validated by Moroccan pilgrims 2024-2025 and compliant with Habous ministry recommendations.
9. 9. Special cases: Moroccan expats (MRE), retirees, first-time pilgrims, couples
The Moroccan pilgrim's profile influences budget structuring and financing choice. 4 profiles require a dedicated approach.
MRE (Moroccans Residing Abroad)
Moroccan expats can perform the Hajj either via the Moroccan quota (33,000 places, file pickup at the Consulate) or via the country of residence quota (France, Belgium, Spain, Canada, USA). Advantages of the Moroccan quota: 63,021 MAD package more advantageous than European packages (Hajj France 2026: 7,500-9,500 EUR ≈ 80,000-100,000 MAD for equivalent services). Disadvantage: mandatory transit via Casablanca round-trip, extending the total stay by 2-3 days. For the Hajj Mourabaha, MRE can subscribe at Bank Assafa with documents converted to MAD (3 salary slips from country of residence + tax notice). Recommendation: make the payment via the Barid Bank Mobile app with an account funded by SEPA / international transfer from abroad. This is the most popular path among Moroccans returning home: better price, Moroccan mission supervision in Arabic-French, easier coordination with extended family in Morocco.
Retirees and elderly (> 65 years)
Most represented profile in the Moroccan mission (~45% of pilgrims according to Habous ministry 2025). Hajj Mourabaha still possible at Bank Assafa and Umnia up to 67 years at end of repayment, by justifying regular CNSS/CMR/RCAR pension. PREMIUM takaful insurance strongly recommended (Macir Vie 1,500 MAD) with unlimited repatriation. Mandatory Wilaya medical consultation with complete checkup: blood pressure, glycemia, ECG, kidney function. Plan a personalized pharmacy kit (chronic medications for 30 days + prescriptions translated into Arabic).
First-time pilgrims (Hajj Awwal)
For a first pilgrimage, the Habous ministry grants priority in the Qoura lottery (bonus system: +5% probability for first Hajj, -10% for second, -20% for third). Recommended budget: 85,000 MAD standard with 1,100 MAD complementary takaful (Wafa Takaful) due to risk unfamiliarity. Buy a practical Hajj manual (Manasik Al-Hajj, 80-150 MAD) or follow the free Mourchidines training in mosque (May-June 2026).
Married couples performing the Hajj together
Total couple budget: 150,000 to 175,000 MAD (vs 85,000 × 2 = 170,000 individual) because some expenses are poolable: hady only once for the couple (saving 1,800-2,500 MAD), shared private transfers (saving 1,500 MAD), common family gifts (saving 2,000 MAD). Couple Hajj Mourabaha: Bank Assafa authorizes a joint file with 2 co-borrowers (spousal solidarity), pooled borrowing capacity. BTI Bank offers a 'Family Hajj' formula up to 200,000 MAD over 24 months with bonus margin 5.80% (vs 6.00% individual).
10. 10. 7-step checklist to financially prepare for Hajj 2026
- Step 1 (February-March 2026): Verify your selection in the Qoura lottery on hajj.habous.gov.ma, pick up the preliminary admission letter from the Wilaya
- Step 2 (April 2026): Estimate the actual total budget (use the 85,000 MAD standard grid), compare personal financing vs Hajj Mourabaha on wafir.ma/credit/mourabaha
- Step 3 (April-May 2026): If Mourabaha: file application with Bank Assafa or Umnia, obtain approval in principle within 72h, sign the contract
- Step 4 (May 2026): Subscribe to complementary takaful insurance (Wafa Takaful 1,100 MAD recommended), perform the Hajj medical consultation in Wilaya + meningitis ACWY vaccinations
- Step 5 (June 2026): Renew/verify biometric passport (validity > 6 months after return), retrieve final Wathiqat Qabool admission certificate
- Step 6 (June 29 – July 10, 2026): Visit Al Barid Bank branch or use the Barid Bank Mobile app to pay the 63,021 MAD, collect the Hajj booklet + SAR card
- Step 7 (July 2026): Load the SAR card (6,000-12,000 MAD), prepare the suitcase (jellabas, ihram, medications), confirm the Royal Air Maroc / Saudia flight, transfer to Casablanca airport
Chronological recap to forget nothing, from the Qoura accreditation announcement to actual departure.
11. FAQ: Hajj 2026 Morocco price and financing
Q.What is the official Hajj 2026 price in Morocco?
Q.What is the real total budget for a Moroccan pilgrim in 2026?
Q.When does Al Barid Bank collection take place for Hajj 2026?
Q.Which participative banks offer Hajj Mourabaha in 2026?
Q.What is the Hajj Mourabaha margin in 2026?
Q.Is the 245,000 MAD Saudi health insurance sufficient?
Q.Which Hajj takaful insurance should I choose in 2026?
Q.Which bank card to use for the Hajj in Saudi Arabia?
Q.How many Moroccan places for Hajj 2026?
Q.Can a Moroccan expat (MRE) perform Hajj via the Moroccan quota?
Q.What happens if I miss the June 29 – July 10, 2026 payment window?
Q.Can I combine Hajj Mourabaha and takaful insurance at the same bank?
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