Understanding Morocco's currency system before you arrive avoids unnecessary stress, since the Moroccan dirham (MAD) works a little differently than currencies most international travelers are used to.
The Moroccan Dirham Is a Closed Currency
Dirhams generally cannot be bought or sold outside Morocco, meaning you'll need to exchange money or withdraw cash after you arrive, typically at the airport, banks, or exchange offices in the cities.
Cash vs Card
Larger hotels, riads, and restaurants in cities accept credit cards, but souks, small restaurants, taxis, and rural areas operate mainly on cash, so carrying dirhams is essential outside major tourist establishments.
ATMs
ATMs are widely available in cities and tourist areas but scarce in remote desert or mountain regions — withdraw enough cash before heading out on multi-day tours.
Tipping Culture
Tipping is customary and appreciated: small amounts for restaurant staff, hotel porters, and especially tour drivers and guides, who often rely on tips as a meaningful part of their income.
Bargaining in the Souks
Fixed prices are rare in traditional souks. Starting around 40-50% of the initial asking price and negotiating from there is standard practice, done with good humor rather than aggression.
Before You Leave Morocco
Exchange leftover dirhams back to your home currency before departure, ideally at the airport, since dirhams have limited value outside the country.