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For residents, a national ID card and proof of address are usually sufficient. Foreign residents provide their residence permit; non-residents can open a convertible dirham account with their passport. Conditions vary between banks.

Branches generally open Monday to Friday, with continuous or split hours depending on the bank. Hours are reduced during Ramadan. ATMs remain available around the clock in urban areas.

Yes, most bank branches and licensed exchange offices handle currency exchange. The Moroccan dirham is not freely exportable: keep your exchange receipts, as they may be required to convert dirhams back at the end of your stay.