Attijariwafa is Morocco's largest bank — the default account for freelancers, auto-entrepreneurs, and diaspora professionals receiving SEPA wires from Europe. Pull every client payment into a clean Excel.
Convert your Attijariwafa statementMorocco's freelance and creative economy has expanded with the auto-entrepreneur regime — a simplified tax and social security scheme for individual professionals under specific revenue thresholds. Many Moroccan freelancers and remote workers serve European clients (especially French) and receive SEPA wires into their Attijariwafa account. Diaspora Moroccans in France, Spain, and the Gulf also use Attijariwafa heavily for remittances back to Morocco.
Morocco's IR (impôt sur le revenu) is progressive 0–38%. Auto-entrepreneurs benefit from a simplified flat-rate regime up to certain turnover thresholds. Beyond the threshold, freelancers file under the standard IR framework. In either case, the Attijariwafa statement is the primary income evidence. Separating freelance income from family transfers, salary credits, and personal spending is the first task — Kashfbank pulls every row into Excel for you to filter.
Attijariwafa issues a bilingual Arabic-French PDF. Columns in French: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). The account header shows RIB (24-digit Moroccan account identifier), Type de Compte, Agence, and Période. MAD amounts use two decimal places. Pan-African branch operations may produce transactions with country prefix codes.
Freelance income from European clients typically arrives as a SEPA-style 'Virement' inbound credit with the originator's name and reference in the Libellé column. Moroccan client payments may use the RIB-to-RIB transfer system or come through CIH or BCP-cleared transfers. POS purchases at Moroccan merchants — for business expenses — appear with 'Paiement TPE' and the merchant name. The statement mixes all of these; the Excel export makes them filterable.
Morocco's DGI wants total income by source for the IR return; the auto-entrepreneur regime tracks turnover against the regime's threshold. Both pull from the same rows: incoming client payments, separated from personal transfers, salary credits, and standing orders.
Bilingual Arabic-French PDF (not English). Primary columns in French: Date, Libellé (description), Débit (MAD), Crédit (MAD), Solde (MAD). Account header uses French terms: RIB (Relevé d'Identité Bancaire), Type de Compte, Agence, Période. Transaction narrations mix French labels with Arabic text where customer has set Arabic-language preference. MAD two-decimal formatting. International transactions reference correspondent bank codes. Sub-Saharan African branch transactions may appear with country prefix codes.
| Label | Meaning |
|---|---|
| Virement | Bank transfer (French: wire/transfer) |
| Retrait GAB | ATM cash withdrawal (GAB = Guichet Automatique Bancaire) |
| Paiement TPE | POS card payment (TPE = Terminal de Paiement Électronique) |
| Salaire | Salary credit |
| Remboursement | Loan repayment instalment |
Rules in Morocco differ — see our country guide
Pull the period from Attijari Mobile
Open Attijari Mobile or Attijari NET and request the period your fiscal advisor needs. For the auto-entrepreneur regime, the turnover tracking is annual — January to December. The bilingual French-Arabic PDF is read natively by Kashfbank.
Upload your Attijariwafa PDF
Drop it into Kashfbank. The Excel export includes Date, Description, Debit, Credit, Balance, Category, and Currency columns. MAD precision is preserved at two decimal places.
Filter to freelance income only
Sort by Category to keep inbound 'Virement' rows from clients. Drop standing orders, ATM withdrawals ('Retrait GAB'), POS purchases ('Paiement TPE'), and any salary credits. What remains is your gross freelance turnover for the period.
Check against the auto-entrepreneur threshold
The auto-entrepreneur regime has annual turnover ceilings beyond which you must shift to the standard IR framework. Sum the inbound client credits in MAD and compare against the current ceiling. If you are close, talk to your fiscal advisor about the planning options before year-end.
Common challenges
I receive EUR wires from French clients. Does the statement show the EUR figure or the MAD figure?
Attijariwafa converts the EUR to MAD at its applied rate on the value date. The credit column shows the MAD figure — that is the taxable receipt for Moroccan tax purposes. The original EUR amount may be referenced in the Libellé. The Excel export preserves both where the PDF holds them.
I am a Moroccan diaspora freelancer based in Paris. Where do I file?
Tax residency determines where you file. If you spend most of the year in France, you are likely a French tax resident and file in France; the Attijariwafa account may still hold income but the IR for Morocco may not apply to non-resident earnings. If you are a Moroccan resident, Morocco taxes worldwide income. Your fiscal advisor confirms the residency status before deciding the IR exposure.
Does the export handle French and Arabic narrations in the same statement?
Yes. Attijariwafa narrations mix French and Arabic depending on the customer's language preference for transaction labels. Kashfbank reads both natively. The Description column in the Excel export keeps the bilingual content on each row.
What if my freelance income exceeds the auto-entrepreneur ceiling mid-year?
Once the annual ceiling is crossed, you must shift to the standard IR framework from that point. The Excel export makes it easy to track turnover by month and see when the ceiling was crossed. Talk to your fiscal advisor about the documentation and timing for the shift; the regime change has compliance steps beyond just changing the tax basis.
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Statement language: Arabic / English