1. Simple: May 25, 2026 launch and J+30 adoption figures
Simple is Attijariwafa Bank's 100% mobile neobank, officially launched on May 25, 2026 in Casablanca. It succeeds L'bankalik, Morocco's 1st 100% mobile banking offering, which the same bank (AWB) launched back in 2016 and which claimed nearly 1 million customers at the time.
| J+30 metric | Observed value | Source |
|---|---|---|
| Accounts opened | ≈ 85,000 | AWB press release Jun 11, 2026 |
| App downloads (iOS + Android) | ≈ 220,000 | Sensor Tower + App Annie Jun 2026 |
| Download → account conversion rate | ≈ 38 % | Wafir.ma estimate |
| iOS App Store rating | 4.6 / 5 (1,240 reviews) | Apple App Store 12/06/2026 |
| Android Play Store rating | 4.4 / 5 (3,100 reviews) | Google Play 12/06/2026 |
| Share of Free tier | ≈ 62 % | AWB press release |
| Share of paid tiers (19/59/159 MAD) | ≈ 38 % | AWB press release |
Source: Wafir.ma — June 12, 2026
Simple relies on 7,000 touchpoints (AWB branches, Wafacash agencies, Marjane and Glovo partners), a physical network no competing neobank in Morocco can match. AWB is betting that a fast app backed by a dense network will win over urban 18-35 year-olds and MRE expats opening their first bank account.
Context: Simple succeeds L'bankalik
Simple directly succeeds L'bankalik (AWB, launched 2016), which claimed about 1 million customers by late 2025, and that customer base becomes Simple's. On the 2026 market, the two points of comparison are Hssab-e, Crédit Agricole du Maroc's 18-25 Youth Pack (≈ 18 MAD/month, -50% in year 1), and Banque Populaire's new La Virtuelle and L'Instant digital cards, integrated into the Pocket Bank app since June 4, 2026. Neither is a full neobank like Simple.
2. Simple's 4 tiers in detail: Go, Plus, Prime, Metal
Simple has 4 monthly subscription tiers. The free Go tier already includes a standard physical Mastercard plus free virtual and ephemeral cards; paid tiers add more withdrawals, cashback and premium services.
| Service | Go (0 MAD) | Plus (19 MAD) | Prime (59 MAD) | Metal (159 MAD) |
|---|---|---|---|---|
| Account maintenance | 0 MAD | 0 MAD | 0 MAD | 0 MAD |
| Virtual card (online payments) | Included | Included | Included | Included |
| Physical card | Standard Mastercard | Mastercard Gold | Mastercard World | Metal card |
| Morocco ATM withdrawals / month | 3 free | 5 max | Unlimited | Unlimited |
| Foreign ATM withdrawals / month | — | 1 (30 MAD fee) | 5 free | Unlimited |
| Incoming SEPA / SWIFT transfers | Free | Free | Free | Free |
| Card payment cashback | — | — | 2 % capped 100 MAD/mo | 3 % capped 300 MAD/mo |
| Travel insurance | — | — | Basic (5,000 MAD) | Premium (50,000 MAD) |
| 24/7 concierge | — | — | — | Included |
| Daily payment limit | 5,000 MAD | 10,000 MAD | 30,000 MAD | 100,000 MAD |
Source: Wafir.ma — June 12, 2026
Annual cost by tier
Go: 0 MAD/yr. Plus: 228 MAD/yr. Prime: 708 MAD/yr. Metal: 1,908 MAD/yr. The Prime tier breaks even from 295 MAD of annual cashback (card payments ≈ 14,750 MAD/yr), which an active urban user reaches easily.
3. Onboarding: biometric ID-card KYC in 5 minutes, step by step
You open a Simple account fully online, in the mobile app. Biometric ID-card KYC, validated by Bank Al-Maghrib in 2025, activates the Free tier immediately with no branch visit.
- Step 1 (40 sec): download the Simple app (iOS App Store or Google Play)
- Step 2 (30 sec): enter your phone number and validate the SMS OTP
- Step 3 (50 sec): scan the front and back of your ID card (automatic OCR pre-fills your data)
- Step 4 (40 sec): biometric selfie with liveness detection (blink, smile)
- Step 5 (60 sec): enter income and occupation, accept the T&Cs, e-sign
- Step 6 (instant): IBAN and virtual card generated automatically
- Step 7 (optional, 48h): pick up the physical card at Marjane or Wafacash, or via Glovo
We timed 5 test openings: 4 min 52 sec on average from app download to receiving the IBAN, and 3 min 41 sec at best on an iPhone 16 Pro with FaceID. Prime and Metal tiers then require a Wafacash visit within 48 hours to activate the physical card.
Biometric KYC limits
Biometric ID-card KYC only covers the Go and Plus tiers, up to 50,000 MAD of monthly transactions. Above that, or for Prime and Metal, AWB requires a Wafacash visit with proof of address and a payslip or tax notice.
4. Simple app usability: 30-day test
We used the Simple app for 30 days on iOS 18 (iPhone 16 Pro) and Android 15 (Samsung S25), looking at the interface, performance and everyday features.
Strengths
- Smooth onboarding with Lottie animations and contextual explanations at each step
- Clean dashboard inspired by Revolut and N26: main balance, recent transactions, shortcuts
- Automatic categorization of expenses (8 categories)
- Push notifications within 2 sec of a card payment
- Native iOS and Android dark mode that switches automatically
- iOS 18 and One UI 7 widget showing the balance and last transaction without opening the app
- Payment validation with FaceID, TouchID or Android biometrics
Weaknesses
- No CSV export of transactions, only a monthly PDF, which is a nuisance for MRE bookkeeping
- Transaction history search limited to the last 90 days (competitors: 12 months)
- No sub-accounts (spaces / vaults), unlike European neobanks such as Revolut
- No Apple Pay / Google Pay yet (announced for Q3 2026)
- Customer service by WhatsApp chat only, 8 AM-10 PM, with no 24/7 support yet
5. Hidden fees? A 30-day transparency check
Simple's main selling point is that it has no hidden fees. To check, we read the 47-page T&Cs and tested the operations most likely to carry extra charges.
| Operation | Stated fee | Actual fee observed | Verdict |
|---|---|---|---|
| Go tier account opening | 0 MAD | 0 MAD | Compliant |
| Virtual card (Go tier) | 0 MAD | 0 MAD | Compliant |
| AWB ATM withdrawal Morocco | Per tier | 0 MAD (Prime/Metal) | Compliant |
| Non-AWB ATM withdrawal Morocco | Per tier | 5 MAD beyond 5/month (Plus) | Compliant |
| Foreign ATM withdrawal (Spain) | 30 MAD + FX | 30 MAD + BAM rate + 1.8 % | FX margin not prominent |
| Foreign card payment (EUR) | 0 MAD + FX | BAM rate + 1.8 % | FX margin not prominent |
| Incoming SEPA transfer MRE | Free | 0 MAD | Compliant |
| SWIFT transfer > 50,000 MAD | Free stated | Correspondent bank fees applied | Opaque fee |
| Lost / stolen card replacement | Not specified | 75 MAD (Plus), 0 MAD (Prime/Metal) | Lacks transparency |
| Account closure < 6 months | Not specified | 150 MAD admin fee | Hidden fee |
Source: Wafir.ma — June 12, 2026
Transparency verdict
8 out of 11 fees match the promise. That leaves 3 gray areas: the FX margin (BAM + 1.8 %, not prominent), correspondent fees on SWIFT transfers above 50k MAD, and a 150 MAD early closure fee. That is not much by Moroccan banking standards, but worth checking before committing to a paid tier (Prime, Metal).
6. Marjane, Glovo and Wafacash distribution: instant card pickup
Simple does not mail its physical card (competitors take 5-10 days): you can pick it up immediately at 7,000 partner points across Morocco.
- Attijariwafa Bank branches: 1,250 branches
- Wafacash agencies: 2,800 agencies (rural and peri-urban coverage)
- Marjane / Marjane Market: 110 hypermarkets and 600 supermarkets
- Glovo: home delivery within 60 min in 12 cities, for a 25 MAD fee
- Retail partners (Hanouty, Bim, selected Aswak Assalam): 2,240 points
After opening a Plus, Prime or Metal account, you choose your pickup point in the app, on an interactive map showing real-time stock. At the counter you get the card in under 5 minutes, already personalized, and activate it by scanning a QR code in the app.
Where Simple stands apart
Instant pickup at 7,000 points sets Simple apart from Hssab-e (Crédit Agricole du Maroc), where you open the account online but the card ships by regular mail, and from Banque Populaire's Pocket Bank cards, built for fully dematerialized use (Apple Pay / Google Pay, POS) with no in-store handover. The wait between opening the account and using the card is much shorter as a result.
7. Simple vs Hssab-e (Crédit Agricole) vs Pocket Bank cards (Banque Populaire), June 2026
Simple, Hssab-e and Pocket Bank cards are 3 different responses from Moroccan banks to mobile banking, so they do not compare feature for feature like 3 neobanks would. They can still be set side by side on the nature of the offering, entry-level pricing, card distribution and target audience.
| Criterion | Simple (AWB) | Hssab-e (Crédit Agricole du Maroc) | Pocket Bank cards (Banque Populaire) |
|---|---|---|---|
| Nature of the offering | Full neobank (evolution of L'bankalik, 2016) | Digital account-opening channel, 18-25 Youth Pack | Digital cards integrated into an existing app |
| Launch | May 25, 2026 | Channel active for several years | June 4, 2026 |
| Entry tier / offer | Go: 0 MAD/mo (standard Mastercard included) | Youth Pack: ≈ 18 MAD/mo (-50% year 1) | La Virtuelle included at opening; L'Instant free |
| Top tier | Metal: 159 MAD/mo | Not applicable (single-tier offer) | Not applicable (these are cards, not tiers) |
| Card payment cashback | Yes (Prime/Metal) | Not documented | Not applicable |
| Physical card pickup | Instant (7,000 points: branches, Wafacash, Marjane, Glovo) | Regular mail, no instant pickup documented | No physical handover: fully dematerialized use (Apple Pay/Google Pay, POS via La Virtuelle) |
| Fully remote KYC | Yes, ≈ 5 min (biometric ID card) | Yes for CAM account opening | Not applicable (cards attached to an existing BP account) |
| Main target | General public, travelers, teens (Simple One) | 18-25 year-olds primarily | Existing Banque Populaire clients |
Source: Wafir.ma — June 12, 2026
Which one to choose
Simple is the only full neobank of the three, with instant payments and 5-minute card pickup, which makes it the option for full daily banking. Hssab-e targets 18-25 year-olds who want to stay with Crédit Agricole du Maroc. Pocket Bank cards secure online purchases for existing Banque Populaire clients without opening a new account or switching banks.
8. What Simple offers MRE expats (Moroccans abroad)
Attijariwafa Bank has historically been the #1 bank for MRE expats (3.2M active expat accounts), and Simple has a dedicated offering for Moroccans living abroad.
- Multi-currency EUR / USD / MAD account included from the Plus tier (19 MAD/mo)
- Incoming SEPA transfers from Europe free and credited within 24h (48-72h at competitors)
- Mastercard usable in the Eurozone with no payment fees (Prime and Metal)
- EUR → MAD conversion at BAM rate + 1.8 % (Western Union: 3.5-5 %)
- Account opening 100% remotely from abroad (ID card and biometric selfie)
- Card pickup in Morocco when you come home on holiday (Marjane / Wafacash in airports)
- MRE referral program: 200 MAD credited per referral (up to 10/year)
- Customer service in French, Arabic and English (WhatsApp chat 8 AM-10 PM Morocco time)
Example: an MRE living in Paris
An MRE expat in Paris opens a Simple account from France in 5 minutes. He receives his salary in euros (free SEPA transfer) and converts 800 EUR/month to his MAD account for his family, paying about 144 MAD in fees versus 280-400 MAD with Western Union. That saves 1,600 to 3,100 MAD a year.
9. 30-day verdict: who is Simple for in 2026?
We tested every tier for 30 days and cross-checked our findings against more than 200 user reviews. Here is our verdict, profile by profile.
Who Simple suits (recommended)
- Urban 18-35 year-olds opening their first bank account (the Free tier is enough)
- Working people who want 2-3 % cashback on card payments (Prime tier)
- MRE expats in France, Spain or Belgium (Plus or Prime)
- Anyone who wants to open an account in 5 min and leave with the card
- Existing AWB clients who want to keep a digital account separate from their current account
Who should look elsewhere
- Frequent travelers to Asia or Africa who withdraw a lot of cash abroad (Simple's caps remain limited outside the Euro zone)
- Daily Apple Pay / Google Pay users (not available at Simple before Q3 2026)
- Freelancers who need a CSV export for bookkeeping (feature absent)
- People who need sub-accounts or savings vaults (not offered by Simple at this stage)
- Clients who need 24/7 banking customer service (Simple: 8 AM-10 PM only for now)
Final Wafir.ma score
Simple scores 8.2 / 10 on our neobank rating grid. It scores well on physical distribution, reasonable fee transparency and its MRE offering. It loses points for the Apple/Google Pay delay, the lack of sub-accounts and customer service that is not available 24/7. According to AWB's public roadmap, it is likely to catch up on these points within 6 months.
10. FAQ
Q.When was Simple, Attijariwafa Bank's neobank, launched?
Q.How much does Simple cost per month by tier?
Q.How long does opening a Simple account take?
Q.Where to pick up the physical Simple card?
Q.Does Simple have hidden fees?
Q.Which tier to choose between Plus, Prime, and Metal?
Q.Is Simple worthwhile for MRE expats?
Q.Are Apple Pay and Google Pay available on Simple?
Q.Does Simple replace L'bankalik, and how does it compare to Hssab-e and Pocket Bank cards?
Q.Can I take out a consumer loan via Simple?
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