BMCE Bank of Africa
Morocco's third-largest bank by balance sheet, Bank of Africa (formerly BMCE) operates in 32 African countries. Net banking income of 20.3 billion dirhams.
Products offered
- Mortgage
- Consumer loan
- Car loan
- Salafin (financing subsidiary)
- Leasing (Maghrebail)
Key strengths
- Pan-African presence in 32 countries
- Salafin financing subsidiary
- Competitive MRE offers
- Innovative digital banking
Geographic presence
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About BMCE Bank of Africa
Bank of Africa, formerly known as BMCE Bank, is Morocco's third-largest bank by balance sheet size. Founded in 1959, it has established itself as a major player in the African banking landscape with a presence in 32 countries across the continent. Its net banking income of 20.3 billion dirhams attests to its financial strength.
The bank offers mortgages with fixed rates between 4.00% and 5.00% over terms up to 25 years. Its subsidiary Salafin is a benchmark in consumer credit in Morocco, while Maghrebail is the leasing leader. This complementarity allows Bank of Africa to offer a complete range of financing.
Particularly active with Moroccans Residing Abroad (MRE), the bank has branches in France, Belgium, Italy, and Spain, with dedicated offers for real estate projects in Morocco.
Customer reviews for BMCE Bank of Africa
Bon accueil en agence
Service client réactif, conseiller à l'écoute. Délai d'ouverture de compte raisonnable. Quelques frais à surveiller mais globalement satisfait.
Karim B. · March 2026
Application mobile fluide
L'app marche très bien pour virements et consultation. Très pratique pour gérer son compte sans aller à l'agence.
Fatima Z. · April 2026
Crédit conso accordé rapidement
Dossier traité en 5 jours, taux correct, conseiller pro. Je recommande pour les salariés CDI.
Youssef R. · May 2026
Reviews aggregated from Google My Business, Trustpilot and wafir.ma — updated monthly
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Compare BMCE Bank of Africa with other banks
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Frequently asked questions about BMCE Bank of Africa
How do I open a BMCE Bank of Africa account in Morocco?+
To open a BMCE Bank of Africa account, visit a branch with your national ID, proof of address less than 3 months old and an initial deposit (typically MAD 200-500). Current account opening is instant and you receive a bank statement (RIB) the same day.
What are BMCE Bank of Africa's account maintenance fees?+
BMCE Bank of Africa applies a monthly account fee typically between MAD 10 and 30, plus card fees (MAD 50-300/year depending on tier). Compare rates on wafir.ma before opening.
Does BMCE Bank of Africa offer mortgages?+
Yes, BMCE Bank of Africa offers mortgages with APRs between 3.8% and 5.4% in 2026 depending on your profile. Maximum term 25 years, minimum down payment 10-20%. Simulate your monthly payment on wafir.ma.
How can I contact BMCE Bank of Africa customer service?+
Reach BMCE Bank of Africa via the customer number in branch or through https://www.bankofafrica.ma. Standard hours are 8:30am-3:45pm Monday-Friday (8:30am-11:45am Saturday). For urgent files, book an appointment online.
Does BMCE Bank of Africa accept Moroccans living abroad (MRE)?+
Yes, BMCE Bank of Africa offers a dedicated MRE service: foreign-currency accounts, international transfers, MAD-denominated mortgages with euro collateral. Documents accepted remotely (national ID, passport, country-of-residence income proof).