Qatar MRE: complete 2026 credit, banking, transfer and return guide

End of Service Gratuity (EOSG) is mandatory in Qatar by Labor Law 14/2004. Calculation: 3 weeks of base salary × number of service years (for the first 5 years), then progressive increase. For an executive at 25,000 QAR/month (20,000 base salary) with 10 years in Qatar, gratuity approaches 150,000-180,000 QAR = 400,000-480,000 MAD. This amount is paid in a single sum at country departure, immediately transferable to a Moroccan bank account. It benefits in Morocco from the advantageous tax regime of foreign retirement pensions: 80% allowance (only 20% subject to Moroccan IR, with progressive scale). Strategy: negotiate long-term contract (> 5 years) to maximize gratuity, anticipate payment 6 months before return to optimize exchange.

Qatar MREs present different investor profiles than other diasporas. With high net income (no tax) and often family packages (housing paid by employer), they accumulate capital quickly. Typical 2026 strategies: (1) premium real estate investment in Morocco (Casablanca Anfa apartments, Marrakech villas, tickets 3-10 M MAD), (2) Moroccan OPCVM savings funds via CDG Capital Bourse (4-6% yield), (3) business creation in Morocco anticipating return (often in construction, hospitality, food service, reusing Qatar-acquired expertise), (4) multi-city property purchases to generate rental income (Marrakech Airbnb or Rabat long-term). Moroccan banks (Attijariwafa Bank, Banque Populaire) specifically handle Gulf files with dedicated Casablanca-based advisors.