Send business payments to Western Sahara
Pay suppliers, staff and partners in Western Sahara in MAD, from a balance you hold, by SWIFT. The fee and the rate are shown before you confirm.
Quick facts
- Local currency
- MAD · Moroccan Dirham
- Pay out in MAD?
- Yes — MAD can be held, converted and paid out
- Route
- MAD · SWIFT
- Typical timing
- SWIFT: typically 1 to 3 working days (typical, not guaranteed)
- Account details
- No IBAN — account number + SWIFT code
- Banks closed
- Saturday – Sunday · Payment calendar
- Next MAD closing days
- 6 November 2026 — Green March Day · 18 November 2026 — Independence Day · 1 January 2027 — New Year's DaySRBM
What you need from your supplier
The beneficiary’s full legal name
Exactly as their bank holds it: the company name for a business, not a trading name.
Their address
Street, town and country.
Account number
Western Sahara does not use the IBAN, so the local account number is what identifies the account.
The bank’s SWIFT/BIC code
8 or 11 characters. Use the code the supplier gives you; the head-office code works if you only know the bank.
What the payment is for
An invoice number or a short description. Some payments need a supporting document such as the invoice.
How it works
- 01
Add your beneficiary in Western Sahara
Enter the details above once and save them. Every later payment to the same supplier, employee or partner starts from the saved record.
- 02
Pay in MAD
Pay from a balance you hold, or convert as part of the payment. The fee, the rate and the amount the beneficiary receives are shown before you confirm.
- 03
Approve and send by SWIFT
A second approver can sign off if your policy requires it. You can download a confirmation of the payment to forward to the beneficiary.
Fees
- SWIFT payment out
- 0.25%, min €25.00
- Currency conversion
- 0.5%
Figures from the MENA plan. Every fee is shown before you confirm a payment, and banks in a SWIFT chain may deduct charges of their own. All plans and fees →
Sending money to Western Sahara: questions
- How long does a business payment to Western Sahara take?
- A SWIFT payment typically takes 1 to 3 working days, depending on the currency and the banks in the chain. Banks in Western Sahara are closed Saturday – Sunday. Payments instructed after the daily cut-off, at a weekend or on a holiday start on the next working day. Timings are typical, not guaranteed; the payment calendar shows value dates.
- How much does it cost to send money to Western Sahara?
- On the MENA plan a SWIFT payment out costs 0.25%, min €25.00, and banks in the SWIFT chain may deduct charges of their own. Converting currency costs 0.5%. Every fee and the rate are shown before you confirm.
- Which currency should I pay a supplier in Western Sahara in?
- Usually MAD, the currency the supplier’s account is held in, so their bank doesn’t convert it. MAD is a currency you can hold: pay from a MAD balance, or convert into it as part of the payment.
- What details do I need from the supplier?
- The beneficiary’s name and address, their account number and their bank’s SWIFT/BIC code. Western Sahara doesn’t use the IBAN.
- Will I need to send documents?
- Sometimes. Depending on the destination and the amount, we may ask for an invoice or another supporting document before a payment is released, and the recipient’s bank may ask your supplier for the same. Keeping the invoice number in the payment reference helps both.
- Can a business based in Western Sahara open an account?
- Yes, Western Sahara is not on our list of markets we can’t serve, so a business based there can apply, subject to KYC/KYB review. Onboarding hasn’t opened yet: join the waiting list and we’ll contact you when it does.
Related
Other destinations in Middle East and North Africa
Paying suppliers in Western Sahara?
Onboarding hasn’t opened yet. Join the waiting list and we’ll contact you when it does.