CIH Bank
Formerly Crédit Immobilier et Hôtelier, CIH Bank has become a universal digital bank offering some of the lowest rates on the market.
Products offered
- Mortgage
- Consumer loan
- Car loan
- Online account
- Mourabaha (Umnia Bank)
Key strengths
- Lowest mortgage rates on the market
- Terms up to 30 years
- Benchmark digital bank
- Award-winning mobile app
Geographic presence
Related free tools
About CIH Bank
CIH Bank, formerly Crédit Immobilier et Hôtelier, is Morocco's most competitive bank in terms of mortgage rates. Founded in 1920 and a subsidiary of CDG (Caisse de Dépôt et de Gestion), it has transformed into a universal digital bank while retaining its historical expertise in real estate financing.
The bank offers the lowest fixed rates on the Moroccan market, starting at 3.80% over terms up to 30 years — an unprecedented maximum in Morocco. CIH Bank is also a pioneer in digital banking, with 100% online account opening and a regularly award-winning mobile app.
Its participatory subsidiary Umnia Bank, in partnership with Qatar International Islamic Bank, offers mourabaha products at competitive margins. CIH Bank is a preferred choice for young professionals looking for their first mortgage.
Customer reviews for CIH Bank
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
Bank guides
Our experts break down the topic to help you choose.
Complete Guide to Mortgages in Morocco 2026
Rates, conditions, procedures and pitfalls to avoid: everything you need to know before taking out a mortgage in Morocco. Comparison of major Moroccan banks updated 2026.
5 Mistakes to Avoid When Consolidating Debt in Morocco 2026
Debt consolidation in Morocco can save you thousands of dirhams, but beware of the pitfalls. Here are the 5 most common mistakes Moroccans make and how to avoid them in 2026.
Consumer Credit in Morocco 2026: Complete Guide and Comparison
Types of loans, rates from Wafasalaf, Salafin, Cetelem, and banks, eligibility conditions and required documents: everything you need to know to get the best consumer loan in Morocco in 2026. Comparison of the 10 main lenders.
Compare CIH Bank with other banks
Use our free tools to compare rates and conditions across the entire Moroccan market.
Frequently asked questions about CIH Bank
How do I open a CIH Bank account in Morocco?+
To open a CIH Bank 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 CIH Bank's account maintenance fees?+
CIH Bank 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 CIH Bank offer mortgages?+
Yes, CIH Bank 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 CIH Bank customer service?+
Reach CIH Bank via the customer number in branch or through https://www.cihbank.ma. Standard hours are 8:30am-3:45pm Monday-Friday (8:30am-11:45am Saturday). For urgent files, book an appointment online.
Does CIH Bank accept Moroccans living abroad (MRE)?+
Yes, CIH Bank 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).