Hajj 2026 Payment at Al Barid Bank: Step-by-Step Guide

1. 1. Precise Hajj 2026 Payment Calendar

Al Barid Bank opens a 12-calendar-day payment window. No payment is accepted before June 29 or after July 10, 2026. After the deadline, the pilgrim is considered defaulting and their seat is reassigned.

Date	Stage	Expected Action
June 29, 2026 (Monday)	Payment opens	First payment day at branches and via Barid Bank Mobile app
June 30 - July 4	Main period	Maximum branch traffic — prefer mornings before 10 AM
July 5 - 8	Intermediate period	Good window for MRE and interbank transfers
July 9, 2026 (Thursday)	Penultimate day	Last comfortable day to fix any issue
July 10, 2026 (Friday)	Closing	Last day until 4:30 PM — no extension planned
July 11 onwards	Reassignment	Unpaid seats are reallocated via sayidalwadat.ma

Timing Tip

If you live in a major city (Casablanca, Rabat, Fez), pay between July 5 and 8 to avoid first-day queues. If you're in a rural area, prefer June 29 or 30 before the MRE influx.

2. 2. The 5 Documents to Prepare Before You Go

Al Barid Bank rejects any incomplete file. Prepare these 5 documents in a folder before June 29, regardless of the procedure (branch, app, or transfer) you choose.

Original valid national ID card — a photocopy is not enough at the branch
Official Hajj 2026 lottery number (sent by SMS and published on sayidalwadat.ma)
Hajj booklet issued by the provincial Habous delegation
Valid passport (minimum 6 months validity after return)
Medical certificate from your province's Hajj commission

Optional but Recommended Document

Also bring a bank identity statement (RIB) from another bank if you plan to pay by transfer, and a recent proof of address (water/electricity bill less than 3 months old) if you need to open an Al Barid account on the spot.

3. 3. Payment Procedure at Al Barid Bank Branch

This is the most used method by Moroccan pilgrims (estimated at 70% of the 33,000 accredited). Allow 30 to 90 minutes depending on the branch and time of day.

All Al Barid Bank branches across the kingdom are mobilized for the Hajj 2026 operation, including postal branches (Barid Al-Maghrib) in rural areas. If you don't have an Al Barid account, a transit account will be opened on the spot in less than 24 hours upon presentation of the ID and proof of address.

The teller verifies your identity, validates the lottery number in the Habous central system, collects the 63,021 MAD (cash or certified check), then issues an official stamped receipt. A confirmation SMS arrives on your declared number within minutes.

Cash or Check?

For amounts above 50,000 MAD, a certified check is safer than cash (theft risk). Request the check from your home bank with the mention 'Al Barid Bank - Hajj 2026'.

4. 4. Payment via Barid Bank Mobile App

If you're already an Al Barid Bank customer and your account is funded, the mobile app allows payment in under 3 minutes without traveling. This option is strongly recommended to avoid queues.

Update the Barid Bank Mobile app (dedicated Hajj 2026 version released June 28)
Log in with your usual ID and secret code
Go to the 'Hajj Services' menu that appears on the home page from June 29 to July 10
Enter your lottery number and the pilgrim's national ID number
Validate the 63,021 MAD debit with your OTP code received by SMS

Cases Where the App Refuses Payment

The app may block payment if your balance is insufficient, your monthly ceiling is exceeded, or the lottery number doesn't match the account holder. In this case, immediately switch to the branch procedure or bank transfer, don't lose a day.

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5. 5. Bank Transfer Procedure from Another Bank

If you're a customer of Attijariwafa, BMCE, CIH, Banque Populaire, Crédit du Maroc or other, you can transfer the 63,021 MAD directly to the Habous central account at Al Barid Bank.

Information to Provide for Transfer	Value
Beneficiary	Ministry of Habous - Hajj 2026 Operation
Receiving bank	Al Barid Bank
Mandatory reference	Lottery number + pilgrim's full name
Exact amount	63,021.00 MAD
Recommended deadline	Issue before July 7, 2026

This procedure is ideal if you don't want to visit an Al Barid branch and want to avoid withdrawing 63,021 MAD in cash. The transfer takes 24 to 72 business hours to arrive — be sure to issue it no later than July 7 to meet the July 10 deadline.

Transfer Verification

The Al Barid confirmation SMS arrives only when the transfer is credited. Keep the transfer notice from your issuing bank as proof if the SMS is delayed beyond 72 hours.

6. 6. Special Case: MRE Pilgrims and Legalized Power of Attorney

Moroccans living abroad selected in the Hajj 2026 lottery have two options: travel to Morocco before July 10, or mandate a relative through a legalized power of attorney.

Obtain the power of attorney at the consulate of the country of residence (allow 5 to 10 days)
Have the document legalized (Hague apostille if signatory country)
Send the original to the mandate via DHL/Chronopost (allow 3 to 5 days)
The mandate goes to an Al Barid branch with the power of attorney + pilgrim's ID + own ID
Alternative: direct SWIFT transfer from abroad (fees 200-500 MAD depending on bank)

The power of attorney must be drawn up at the Moroccan consulate in the country of residence or with a local notary, then legalized by consular services. It must explicitly name the mandated person (usually a relative in Morocco), the exact amount (63,021 MAD) and the purpose ('payment of Hajj 2026 fees at Al Barid Bank').

MRE Anticipation

Start the power of attorney procedure from mid-June. With only a 12-day window and postal delays, it's risky to start after June 25.

7. 7. If You Don't Have the Amount: Hajj Mourabaha Credit

63,021 MAD represents the equivalent of 5 to 8 months of average Moroccan salary. If you're accredited but don't have the cash, participatory banks offer Sharia-compliant Mourabaha financing without interest (riba).

Participatory Bank	Max Duration	Hajj Specifics
Bank Assafa	60 months	'Hajj Assafa' product with 3-month deferral
Umnia Bank	48 months	Express 72h review for selected pilgrims
Al Yousr (Crédit Agricole)	60 months	Advantageous for civil servants and farmers
BTI Bank	48 months	Markup among the lowest on the market
Arreda (Crédit du Maroc)	60 months	Good option for existing CDM customers

The principle: the bank buys the 'Hajj package' from the Ministry of Habous and resells it to you with a fixed markup payable over 12 to 60 months. No variable interest, no late payment interest penalty, no mandatory insurance beyond death takaful.

Processing Time Compatible with the Calendar

Allow 5 to 10 business days between file submission and fund release. If you launch the request before June 25, you have time to be served before the July 10 closing. After July 1, it's tight — favor Umnia Bank which offers express 72h review for accredited pilgrims.

Compare Before Signing

Markup varies from 4 to 8% depending on the bank and your profile. On 63,021 MAD spread over 48 months, the difference between the best and worst offer can reach 4,000 MAD. Use our Mourabaha comparator to identify the most advantageous offer.

8. 8. Checklist of 7 Actions for June-July 2026

Here is the optimal sequence to not miss any step between the lottery and actual departure to the Holy Lands.

Before June 25: prepare the 5 mandatory documents (ID, lottery number, Hajj booklet, passport, medical certificate)
Before June 28: decide on payment method (branch, app, transfer, Mourabaha)
If Mourabaha: submit file at participatory bank between June 15 and 25
June 29 - July 10: make payment and keep official receipt + SMS
Within 48h after payment: verify status update on sayidalwadat.ma
Before July 15: finalize visa, vaccinations (meningitis mandatory) and currency exchange
10 days before departure: confirm appointment with provincial Habous delegation for briefing

9. FAQ

Q.What if I miss the July 10, 2026 deadline?

Your seat is automatically reassigned to a waiting-list pilgrim via the sayidalwadat.ma platform. You lose your accreditation for 2026 and must re-register for the 2027 lottery. No extension is planned.

Q.What exactly does the 63,021 MAD amount cover?

The package covers: round-trip flight, accommodation in Mecca and Medina, transport within Saudi Arabia, meals, religious supervision and medical support. It does NOT cover: visa (free for official Hajj), passport, vaccinations, personal currency exchange and any optional excursion fees.

Q.Can I pay in installments at the Al Barid branch?

No, payment must be made in full in one operation. If you don't have the full 63,021 MAD, the only official solution is Mourabaha credit from a participatory bank that will pay the full amount on your behalf and which you will repay monthly.

Q.Is it mandatory to have an Al Barid Bank account?

No. You can pay in cash or by certified check at an Al Barid branch without having an account there, or transfer from your usual bank. An Al Barid account is only needed if you use the Barid Bank Mobile app.

Q.My spouse and I are both accredited, how much to pay?

63,021 MAD per pilgrim, i.e. 126,042 MAD for a couple. Each pilgrim has their own lottery number and their own payment file, even for a married couple. Both payments can be made together in a single branch visit.

Q.How do I verify that my payment was properly recorded?

Three proofs must match: (1) the stamped paper receipt from Al Barid Bank, (2) the confirmation SMS on your declared number, (3) the 'Paid' status update on your personal sayidalwadat.ma space within 48h. If any of the three is missing after 72h, contact the branch where the payment was made.

Q.Is the Hajj Mourabaha credit really interest-free?

Yes, in compliance with the Supreme Council of Ulema and Bank Al-Maghrib's CCSF requirements. The participatory bank buys the Hajj package and resells it to you with a fixed profit markup known at signing. No variable interest, no compounding, no late payment penalties as interest charges.

Q.I'm an MRE in France, can I transfer from my French account?

Yes, via international SWIFT transfer to the Habous central account at Al Barid Bank. Allow 3 to 7 business days and 200 to 500 MAD in fees depending on your French bank. Issue the transfer no later than July 1 to ensure arrival before July 10.

Q.What happens if I die or am hospitalized before departure?

In case of death, paid fees are fully refunded to beneficiaries upon presentation of the death certificate. In case of medically certified hospitalization preventing travel, the Ministry of Habous studies on a case-by-case basis a partial refund or postponement to Hajj 2027.

Q.Is there a risk of fraud or fake sites during the collection period?

Yes. Several fake sites and fake phone numbers appear every year during the collection window. The ONLY official site is sayidalwadat.ma and the ONLY collecting bank is Al Barid Bank. No payment is requested via WhatsApp, email or SMS with a link. If in doubt, go physically to a branch.

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