Can I Use My Credit Cards in Agadir? Must know Before!!

No, unfortunately you can not use your credit or debit cards in Agadir except for major hotels and large establishments. We strongly recommend opening a cash account, it is free to withdraw the local currency you want.

Credit and debit cards are mainly accepted in Agadir city in large famous hotels and 5 star restaurants. However, it’s always recommended TO HAVE A GOOD A MOUNT OF CASH IN  YOUR POCKET since Morocco is mainly a Cash-To-Cash dealing country.

we recommend having cash to buy in small  local shop, markets, and other places that don’t accept cards. While cards are convenient in certain places, having some cash ensures you’re prepared for all kinds of transactions.

Table of Contents

Here Are 8 Tips for Tourists About Money in Morocco:

  1. Cash is Key: In Morocco, cash is widely used, especially in local markets and smaller shops. Have some on hand for smoother transactions.
  2. ATM Accessibility: ATMs are commonly found in cities and tourist areas, making it convenient to withdraw cash. Stick to ATMs within banks for safety.
  3. Currency Exchange: Exchange money at reputable places in the city for better rates compared to airports. Compare rates before changing.
  4. Card Usage: While major hotels and established businesses accept cards, smaller shops often prefer cash. Carry both cards and cash for flexibility.
  5. Inform Your Bank: Notify your bank about your travel plans to prevent card issues. Inquire about international fees to avoid surprises.
  6. Tipping Etiquette: Tipping is appreciated but not obligatory. Have small bills for tipping, usually about 10% of the bill in restaurants.
  7. Bargaining Know-How: In markets, bargaining is common. Having cash can help you negotiate better deals.
  8. Fraud Awareness: Keep an eye on your card during transactions and regularly check your bank statements for any unusual activity to prevent fraud.

Agadir’s Morocco currency:

In Agadir, the money is called the Moroccan Dirham, also known as MAD in short.

Coins and notes:

They use coins like ½, 1, 2, 5, and 10 dirhams, along with banknotes in 20, 50, 100, and 200 denominations.

Small change shortage: Getting smaller bills or coins is tough there, making it a bit tricky for everyday purchases.


II. Using Foreign Money:

Using dollars or euros: It’s not very easy to use dollars or euros in most places. Sometimes, at certain shops or for big buys like expensive art pieces, they might accept them.

Preference for local money: It’s better to use the local currency, dirhams, because it’s widely accepted, and you’ll get better deals when paying in the local money.

III. Accessing Money:

Moroccan ATMs

Getting local currency: One of the easiest ways to get Moroccan Dirhams (MAD) is by using ATMs, found in many places throughout Agadir.

Airport caution: It’s better to avoid using the ATMs at the airport due to higher exchange rates. Opting for bank-attached ATMs is safer and more cost-effective.

IV. Credit/Debit Cards Usage:

Acceptance of cards: Hotels and some restaurants in Agadir do accept credit and debit cards, making transactions convenient in these places.

Preference for cash: Despite card acceptance in certain places, many establishments prefer cash, so having some on hand is a good idea.

V. Tips for Using Cards:

Best payment choice: Paying in the local currency usually saves you money, as choosing your home currency often costs more due to something called Dynamic Currency Conversion.

ATM morocco exchange

Avoiding extra fees: Some banks charge extra fees for foreign transactions or ATM use. Understanding these fees helps in choosing the most cost-effective option.

VI. Exchanging Currency:

Airport exchange caution: Exchanging money at the airport can cost more due to higher rates. Waiting to exchange money outside the airport is a better idea.

Currency condition matters: Banks or exchange offices might reject torn or old-looking notes, so it’s good to have clean bills for exchange.

VII. Using Other Currencies:

Limitations on foreign currencies: Not all foreign currencies, like Canadian or Australian dollars, are accepted for exchange in Agadir. It’s advisable to carry USD, EUR, or GBP for exchange.

VIII. Keeping Money Safe:

Safety measures: Keeping card details backed up, informing banks about travel plans, and activating fraud alerts are essential steps to ensure the safety of your money.

IX. Conclusion:

In summary, while credit and debit cards are accepted in some places in Agadir, having local currency, Moroccan Dirhams (MAD), is the best way to go. Using ATMs for cash and being mindful of currency exchange options and fees ensures a smoother financial experience while traveling in Agadir.

III. Getting and Changing Money

A. How do you get money there?

To get money in Agadir, it’s best to use ATMs in the city. They’re widely available and offer the local currency, dirhams.

B. Should you use the ATMs at the airport?

It’s not recommended to rely solely on airport ATMs. Rates can be less favorable, and fees might be higher compared to ATMs within the city.

C. Why is it safer to use bank ATMs?

Bank ATMs are more secure because they’re often located within reputable banks or financial institutions. They have better security measures to protect your transactions and information.

IV. Using Credit/Debit Cards

A. Do they take cards in Agadir?

In Agadir, credit/debit cards are mainly accepted in major hotels and some high-end establishments, but many smaller shops and local places prefer cash.

B. Where can you use them?

Larger, well-known hotels and some upscale restaurants are more likely to accept cards. But for everyday purchases at local shops, cash is preferred.

C. Why do most people prefer cash?

Cash is preferred by most because it’s widely accepted across the city, especially in smaller businesses. It ensures smoother transactions where cards might not be accepted.

V. Tips for Using Cards

A. What’s the best way to pay in local or home currency?

Opt for paying in the local currency (dirhams) rather than your home currency when using cards. This way, you avoid additional conversion fees.

B. How can you avoid extra fees?

To avoid extra fees, it’s advisable to use cards at ATMs for cash withdrawals in local currency rather than for direct payments.

C. Are there special bank accounts that help?

Some banks offer specific accounts with reduced or no foreign transaction fees. Researching and choosing these accounts can save you money on international transactions.

VI. Exchanging Money in Agadir

A. Is it good to exchange at the airport?

It’s generally not advisable to exchange money at the airport due to less favorable rates. Better rates are often found within the city.

B. Where’s the best place to exchange money?

The best places to exchange money are reputable currency exchange offices or banks within Agadir city. They often offer more competitive rates than airport exchanges.

C. Why do they care about the condition of the money?

The condition of money matters because torn, damaged, or excessively worn bills might not be accepted or exchanged. Ensuring bills are in good condition makes them easier to use.

VII. Other Money Stuff:

A. Can you use certain foreign currencies?

In Agadir, it’s primarily advisable to use Moroccan dirhams for transactions. Some tourist areas might accept major foreign currencies, but it’s not widespread.

B. Should you bring traveler’s checks?

Traveler’s checks might have limited acceptance in Agadir. It’s generally easier to rely on cash and cards. They might be more hassle than convenience.

VIII. Staying Safe with Money

A. How can you keep your cards safe?

Keep your cards secure by using a money belt or a secure wallet. Avoid keeping all cards in one place and be cautious while using them in public.

B. Why should you tell your bank you’re traveling?

Informing your bank about your travel plans helps prevent your cards from being flagged for suspicious activity. This ensures smooth transactions abroad.

C. What helps prevent fraud on your cards?

To prevent fraud, regularly monitor your card transactions, avoid using public Wi-Fi for financial transactions, and report any suspicious activities promptly to your bank.

  1. Local Cuisine Agadir Berber Dishes: While many local eateries might prefer cash, some higher-end restaurants accept credit cards, making it convenient to savor Berber cuisine with your card handy.
  2. Agadir Transportation Guide: Local transport in Agadir often requires cash, so ensure you have some on hand for taxis and buses; however, major car rental services might accept credit cards for reservations or payments.
  3. Agadir Hotels from Luxury to Budget-Friendly: Most major hotels in Agadir accept credit cards, offering diverse accommodation options for various budgets, allowing you to conveniently book and pay using your card.
  4. Agadir Amazigh Chleuh Culture and Traditions: While exploring cultural experiences in markets or local shops, having cash can be beneficial due to bargaining customs, but larger cultural venues might accept credit cards for admission fees.
  5. Is Agadir Clean and Safe for Swimming 2024: For beachside activities or tours, cash may be preferred for local vendors, yet for beachfront hotels or clubs, credit cards are typically accepted for services or amenities.
  6. 5 Top Attractions in Agadir in 2024: Most major attractions accept credit cards for ticket purchases, but for smaller tours or local guides, cash may be the preferred mode of payment.
  7. Top Agadir Gifts and Souvenirs for Men and Women 2024: Local markets and souvenir shops often prefer cash for purchases; however, some higher-end gift stores might accommodate credit card payments.
  8. Is Agadir a Good Holiday Destination: Agadir offers diverse experiences; while cash is essential for local markets, hotels, and established businesses usually accept credit cards for a hassle-free holiday.
  9. Best Time of the Year to Visit Agadir Seasonal Guide 2024: During peak tourist seasons, credit cards are more widely accepted; however, it’s advisable to carry cash for transactions in less touristy areas or during off-peak times.

Top 15 frequently Asked Questions About Credit and Debit Cards in Agadir Morocco:

Can I use my credit/debit card for most purchases in Agadir?

No, unfortunately, credit/debit cards are not widely accepted for most purchases in Agadir. They’re mainly accepted in major hotels and larger establishments.

Where are credit/debit cards commonly accepted in Agadir?

Credit/debit cards are commonly accepted in major hotels, some upscale restaurants, and larger establishments catering to tourists.

Are there specific places or businesses that prefer cash over cards in Agadir?

Yes, many smaller shops, local markets, and certain businesses in Agadir prefer cash for transactions.

Should I rely on ATMs at the airport for cash in Agadir?

It’s not recommended to rely solely on airport ATMs for cash as rates might be less favorable and fees higher compared to city ATMs.

What’s the best strategy for accessing cash in Agadir: ATMs or currency exchange?

Using ATMs within the city is generally the best strategy for accessing cash in Agadir. They offer better rates compared to airport exchanges.

Are there any particular safety tips when using credit/debit cards in Agadir?

Yes, it’s advisable to use bank ATMs rather than standalone machines, keep cards secure, and only use them in reputable establishments.

Can I pay for taxis or local transportation using cards in Agadir?

No, local transportation like taxis often requires cash payments in Agadir. Cards might not be accepted.

Are there additional fees associated with using credit/debit cards in Agadir?

While some establishments might charge a surcharge, the main issue is limited acceptance rather than additional fees.

Which major hotels or establishments in Agadir accept credit/debit cards?

Major hotels and larger establishments catering to tourists, including some upscale restaurants, generally accept credit/debit cards.

Do smaller shops or local markets in Agadir accept card payments?

No, smaller shops and local markets in Agadir usually prefer cash payments and may not accept cards.

Should I carry both credit/debit cards and cash while exploring Agadir?

Yes, it’s advisable to carry both credit/debit cards and cash to be prepared for various types of transactions in Agadir.

Are traveler’s checks a viable option for transactions in Agadir?

Traveler’s checks might have limited acceptance in Agadir. Cash and cards are generally more convenient.

What should I do if my credit/debit card gets lost or stolen in Agadir?

If your card gets lost or stolen, report it immediately to your bank to prevent unauthorized transactions and request a card replacement.

Are there limitations on the types of credit/debit cards accepted in Agadir?

Some establishments might have limitations, but generally, Visa and Mastercard are more widely accepted compared to other card types.

Are there any recommended local banks or ATMs known for reliable service in Agadir?

While specific recommendations may vary, sticking to ATMs associated with reputable banks is generally a safer option in Agadir.

As someone who knows Agadir well, I suggest having a cash account and carrying cash when you visit. In Agadir, people mostly use cash, so having some on hand helps with transactions and interacting with locals. It’s a handy tip to make your time there easier!

by Mohamed Machich.

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