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HISSAB BIKHIR
Enjoy banking with ease
Wafacash offers you the opportunity to open the Hissab Bikhir account with complete ease, ensuring total security for your money, all at a low cost. You can carry out transactions related to your account at any Wafacash branch, without any hassle, in a simple and friendly environment with flexible hours.
Process
Wafacash offers you the possibility of having a bank account with ease while ensuring total security for your money at minimal cost. All your transactions can be made without any constraints at all Wafacash agencies.
Go to the nearest Wafacash agency
Bring a valid ID
The customer service representative will fill out the account opening agreement
Your account will then be opened, and you can deposit your money
The customer service representative will give you a passbook that you will need to present for each transaction
Our advantages
Speed
The account is operational immediately, allowing you to carry out any banking transactions at any time.
Security
Hissab Bikhir guarantees complete security. Your money is safely deposited and protected in your bank account without any risk.
Economy
Hissab Bikhir is the most affordable bank account on the market. Account maintenance fees are only 6.50 Dhs VAT included per month.
Flexibility
As a beneficiary, you are a client of all Wafacash agencies across the Kingdom. You can deposit or withdraw your money at your convenience without being restricted by value dates.
Your account statement is available upon request at any Wafacash agency of your choice.
Simplicity
The Hissab Bikhir account is very easy to manage. By simply presenting your Hissab Bikhir passbook and your ID card, you can easily make deposits and/or withdrawals on the spot.
Availability
A wide network of agencies at your service, offering convenient and flexible hours.
Practical Information and FAQ
What is the minimum amount required to open a Hissab Bikhir account?
The minimum amount to open a Hissab Bikhir account is 100 DH
Do I have to pay fees when opening?
Opening the account is free
Are there account maintenance fees for Hissab Bikhir?
Yes, indeed, you will have to pay monthly account maintenance fees:
- If you choose automatic payment, it will be: 6.50 MAD including funeral assistance;
- But if you opt for monthly cash deposits at the agency, it will cost you 9.80 MAD.
I have a Hissab Bikhir account, can I make a transfer to another Hissab Bikhir account or to other banks?
No, you cannot make any transfers
Can someone else make a deposit into my bank account?
Can I have my salary domiciled in my Hissab Bikhr account?
Yes, indeed, you can set up a salary direct deposit to your account at any time.
Does the Hissab Bikhr account allow an overdraft?
No, this is not possible, a Hissab Bikhir account cannot become overdrawn.
I have a Hissab Bikhir account, and I'm afraid someone else might come and withdraw money from my account.
This is not possible as all customers must absolutely present their national identity card and their supporting documentation to perform a transaction on the account.
I have lost my Hissab Bikhir notebook, what should I do?
Visit the nearest agency and request the replacement of your booklet. It will cost you 20 DH excluding tax. A new booklet will be given to you on the spot.
HOW TO BENEFIT FROM INJAD BIKHIR FUNNERAL ASSISTANCE ?
In order to ensure continuous improvement of the services associated with the 'Hissab Bikhir' account, we are offering a death assistance service in Morocco, 'INJAD BIKHIR.'
This service is provided by our partner WAFA IMA, which offers support to your family and enables them, in the event of your death, to benefit from:
- Transportation of the deceased from the place of death to the burial site;
- Handling of the administrative formalities related to the transportation of the body;
- Payment of a funeral contribution of 3000 DHS, which will be deposited into your account within 48 hours.
What is the procedure to follow in case of a claim?
If you are the holder of the Hissab Bikhir account, your family must inform Wafa IMA Assistance at 0522 589 489, available 24/7, in order to open a file and initiate the procedure to respond to your family's request within the limits of the guarantees outlined in the contract.
Is it mandatory to have a Hissab Bikhir account to benefit from the Hissab Bikhir card?
Yes, it is mandatory
Is the card automatically renewed?
The Hissab Bikhir card is valid for 2 years and automatically renewable.
What is the price of the Hissab Bikhir card?
The card is sold for 50 DHS excluding tax, payable by direct debit from the account in two installments:
- 1st year: 25 DHS excluding tax on the day of subscription;
- 2nd year: 25 DHS excluding tax on the same day of the following year
In case of loss or theft of the card, what should be done?
- You must immediately alert Wafacash of the loss or theft of your card.
- If your agency is closed, you can call the opposition center at the number 0522239191, available 24/7.
- You must file a loss or theft report with the public authorities (police station).
- Submit your loss or theft report to your Wafacash agency to confirm the opposition and request a renewal of your Hissab Bikhir card.
Good practices:
- Your card PIN is personal and confidential and must never be shared;
- Keep your card number and its expiration date safe, as this information is essential to make your opposition and will be requested if you call the opposition center.
What is the payment limit of the card?
The card allows you to pay up to a daily limit of 1000 DHS
Is the card valid for online payments?
The Hissab Bikhir card allows you to make payments at any merchant equipped with an electronic payment terminal, as well as online payments, up to the available balance in your account.
What is the withdrawal limit authorized with the HB card?
The Hissab Bikhir Card allows you to make withdrawals up to the available balance in your account, with a daily limit of 500 MAD.
