New Checks Law in Morocco 2025-2026: Everything You Need to Know
Complete guide to the new checks law in Morocco: from implementation date to settlement clauses, penalties for bounced checks, cashing procedures, statute of limitations and main amendments in the Official Bulletin.
Summary of the New Checks Law in Morocco
The new checks law in Morocco 2025 is one of the most important legislative amendments aimed at modernizing the banking system and strengthening confidence in commercial transactions. The law includes new settlement procedures, modified penalties for bounced checks, and facilities for companies and individuals within the framework of economic reforms taking place in Morocco.
What is the New Checks Law in Morocco?
The new checks law in Morocco is a legislative amendment adopted by the Moroccan government aimed at modernizing the bank check system and reducing cases of bounced checks. This law responds to the challenges of the old system and aligns with the economic and digital developments Morocco is experiencing.
The new checks law in Morocco 2025 was published in Official Bulletin No. 7058 dated January 15, 2025, and provides for its entry into force 6 months after the publication date.
The law aims to reduce the rate of bounced checks and strengthen confidence in commercial transactions, while offering alternative settlement solutions outside the courts.
The law benefits individuals, small and medium enterprises, and large companies by simplifying check procedures and reducing risks.
Text of the New Checks Law in Morocco
The text of the new checks law in Morocco includes 45 articles divided into 7 chapters, covering general provisions, issuance and negotiation procedures, settlement system, penalties, and transition to the new system.
Implementation Date of the New Checks Law in Morocco
Many ask: “When will the new checks law be applied in Morocco?” According to the Official Bulletin, the entry into force of the new checks law will be on July 15, 2025, after the expiration of the legal period of 6 months from the publication date.
Implementation Schedule
| Phase | Date | Action |
|---|---|---|
| Law Publication | January 15, 2025 | Publication in Official Bulletin |
| Transition Period | January – July 2025 | Preparation of banks and users |
| Implementation Start | July 15, 2025 | Entry into force |
| Full Implementation | January 2026 | End of transition period |
During the transition period, banking institutions update their systems and train their staff, while customers are made aware of the new changes.
Settlement in the New Checks Law
One of the most important aspects of settlement in the new checks law is the introduction of conciliation mechanisms to resolve check disputes before resorting to courts. These mechanisms include:
Obligation for the bank to notify the drawer 48 hours before check refusal, with opportunity for deposit or arrangement with the beneficiary.
Formation of mediation committees at commercial court level to settle disputes within maximum 30 days.
Possibility of conciliation before the court with case dismissal in case of obligation fulfillment.
These mechanisms aim to reduce the burden on courts and encourage amicable solutions that preserve business relationships.
Penalties for Bounced Checks in the New Law
Penalties for bounced checks in Morocco have seen significant amendments in the new law, with some penalties relaxed and follow-up procedures strengthened.
Evolution of Bounced Check Penalties
- Dropping of bounced check penalties in Morocco for checks under 5,000 dirhams in case of amicable settlement
- Bounced check fine in Morocco 2025 ranging between 1,000 and 20,000 dirhams depending on check amount and recurrence
- Possibility of imprisonment remains for large and recurrent checks with possibility of replacement by fines
- Black points system in banking register for 5 years
The new bounced check law in Morocco helps address the issue of bounced checks while considering individuals’ economic conditions.
Frequently Asked Questions about the New Checks Law
According to the new checks law in Morocco 2025, the statute of limitations for checks in Moroccan law 2025 is 3 years from the due date for civil action, and 5 years for criminal action.
Yes, a check can be cashed before its date but with agreement from the bank and drawer, and this may incur additional fees according to each bank’s policy.
The cashing period for a check on account according to the new law is 8 working days from the presentation date, with possibility of extension in special cases.
Among causes of check nullity in Morocco: insufficient funds, forged signature, data mismatch, account expiration, or formal defects in the check.
How to cash a check in Morocco requires presenting the original check with national ID card at any branch of the drawn bank, or via account deposit.
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Download New Checks Law PDF and Updates
You can download the new checks law in Morocco 2025 pdf from the Official Bulletin’s official website, and versions with explanations and summaries by legal experts are also available.
For more official information: Official Bulletin Website | Bank Al-Maghrib | Ministry of Economy and Finance
With the new checks law in Morocco 2026, Morocco continues to modernize its legal system to meet contemporary requirements and strengthen confidence in financial transactions.
