Many Moroccans living in Europe dream of spending their retirement years in their country of origin. With its sunny climate, slower pace of life, and lower living costs, Morocco offers a very attractive lifestyle for retirees. But a smooth transition requires preparation — especially in terms of finances, healthcare, and location.
Transferring your pension to Morocco
If you receive a retirement pension from France, Belgium, the Netherlands or another European country, you have two main options:
Option A – Keep your pension in Europe:
Receive your pension in your European bank account
Withdraw money in Morocco when needed
Be aware of currency conversion fees and ATM limits
Option B – Transfer it to a Moroccan bank account:
Set up monthly international transfers
Choose banks with low transfer fees (ask both sides)
Make sure your bank in Morocco accepts euro deposits if needed
📌 France and Morocco have a bilateral agreement that facilitates social security transfers. Contact your pension fund for the correct procedure.
Health coverage for retirees
Healthcare in Morocco is relatively affordable, but it’s best to be covered for major risks.
Available options:
Public healthcare (AMO/CNSS): Limited coverage, more for working residents
Private insurance: Offers better coverage, costs vary depending on age and pre-existing conditions
International health plans: Useful if you plan to travel back and forth between Europe and Morocco
French retirees: May benefit from conventions between France and Morocco (ask your local CPAM or CNAV)
💡 It’s wise to get a medical check-up in Europe before moving, especially if you need regular treatment or medication.
Lifestyle tips for retired returnees
Don’t isolate yourself: Join clubs, local groups, or volunteer — it helps create new routines
Stay connected: Maintain ties with family in Europe via WhatsApp, visits, etc.
Don’t rush into buying property: Rent first and explore different cities
Respect local rhythms: Life moves slower, especially in small towns
Avoid showing wealth too openly — modesty creates better relationships
🧰 Chapter 8 Checklist
- I’ve chosen how to receive my pension in Morocco
- I have or will apply for health coverage
- I’ve explored the best cities to retire in
- I’m aware of cultural and lifestyle adjustments
- I plan to stay socially and mentally active
All Chapters
Chapter 1 – Considerations Before Returning (FREE)
Reasons for returning, key questions to ask yourself
Chapter 2 – Administrative Procedures in Europe (FREE)
Terminating contracts, taxation and taxes, social security
Chapter 3 – Administrative Procedures in Morocco
Moroccan national ID card, driver’s license, consulate registration, asset registration (car, furniture, etc.)
Chapter 4 – Transport and Moving Logistics
Shipping containers, luggage, vehicle transport, customs, etc.
Chapter 5 – Finding Housing in Morocco
Renting vs. buying, popular areas (based on profile), risks to avoid
Chapter 6 – Social and Professional Reintegration
Reconnecting with your roots, working or starting a business, schools, friends, language
Chapter 7 – Budget and Cost of Living
Europe vs. Morocco comparison, expected expenses, money-saving tips
Chapter 8 – Retirees: A Smooth Return
Pension transfer, health coverage, affordable cities
Chapter 9 – Conclusion and Useful Resources
Checklist summary, helpful links and contacts, words of motivation
