# Attijariwafa Bank

> Source: https://docs.barcoder.ai/docs/wallets/attijariwafa-bank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Attijariwafa bank — official](https://www.attijariwafabank.com/)

## Overview

**Attijariwafa Bank** is **Morocco's largest financial institution by assets + market share** + **Africa's #3 largest banking group** <sup>[1][1], [2][2], [Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>. **2025 baseline**: Attijariwafa bank group serves close to 12 million customers worldwide daily; **Jibi mobile wallet 2M users in Morocco** — distinctive Moroccan mobile wallet; **May 2026 — Attijariwafa bank launches "Simple."** presented as Morocco's first neobank + Super App banking platform aiming to bring together financial services + payments + lifestyle + community features in single mobile interface — distinctive Moroccan digital transformation; **Attijariwafa Ventures** (Moroccan banking giant fintech VC arm; betting on African fintech).

**Distinctive Attijariwafa bank positioning** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Morocco's largest financial institution by assets + market share** + **Africa's #3 largest banking group**
- **12M+ customers worldwide daily** (Attijariwafa bank group)
- **Jibi mobile wallet 2M users in Morocco** — distinctive Moroccan mobile wallet
- **May 2026 "Simple." launch** as Morocco's first neobank + Super App banking platform — distinctive Moroccan digital transformation
- **Attijariwafa Ventures** (Moroccan banking giant fintech VC arm; betting on African fintech) — distinctive Moroccan banking fintech VC arm
- **25+ countries footprint**: Morocco + 12+ Africa countries (West Africa + Central Africa) + Middle East + Europe — distinctive Moroccan-African banking flagship
- **2003 Banque Commerciale du Maroc (BCM) + Wafabank merger** → **Attijariwafa bank** formal incorporation — distinctive Moroccan banking consolidation

## History

**1911 — Wafabank founding heritage in Casablanca** (Attijariwafa's deepest predecessor; founded as "Compagnie Algérienne de Crédit et de Banque").

**1933 — Banque Commerciale du Maroc (BCM) founding** in Casablanca, Morocco.

**2003 — BCM + Wafabank merge → Attijariwafa bank** — distinctive Moroccan banking consolidation.

**2008-2018 — Attijariwafa bank expands across Africa** (West Africa + Central Africa) via acquisitions of CBAO (Compagnie Bancaire de l'Afrique Occidentale; Senegal + 6 West African countries) + UIB (Tunisia) + Société Camerounaise de Banque (Cameroon) + Crédit du Sénégal + 12+ African countries presence.

**2014 — Attijari Mobile banking app launches**.

**Apr 2025 — Attijariwafa Ventures fintech VC arm announced** — distinctive Moroccan banking fintech VC arm betting on African fintech <sup>[3][3]</sup>.

**May 2026 — Attijariwafa bank launches "Simple."** as Morocco's first neobank + Super App banking platform <sup>[4][4]</sup>.

## Ownership & operator

**Operating entity**: **Attijariwafa bank S.A.** (Casablanca Stock Exchange: ATW).

**Major shareholders**: **Société Nationale d'Investissement (SNI; Al Mada holding company; Royal Holding King Mohammed VI of Morocco) ~46% controlling + Santusa Holding (Banco Santander) ~5% + Moroccan institutional + Moroccan + foreign retail public float**.

**Regulators**: **BAM (Bank Al-Maghrib) + multi-jurisdiction African + European central banks**.

## Technical integration

Attijari Mobile banking app (iOS + Android) + attijariwafabank.com online + Attijariwafa cards (Visa + Mastercard + Carte Maroc) + Attijariwafa branch network (Morocco + 25+ countries); Morocco Instant + Jibi mobile wallet (2M users in Morocco distinctive Moroccan mobile wallet); **May 2026 "Simple." Moroccan neobank + Super App banking platform** (Attijariwafa Bank Moroccan distinctive digital transformation); **Attijariwafa Ventures** (Moroccan banking giant fintech VC arm; betting on African fintech).

## Users & growth

**2025**: 12M+ Attijariwafa bank group customers worldwide daily; Jibi mobile wallet 2M users in Morocco.

## Use cases

Moroccan + African + European + Middle Eastern retail + private + corporate + SME + investment + Islamic + insurance banking via Attijari Mobile + attijariwafabank.com online + cards + branches (Morocco + 25+ countries); Morocco Instant + Jibi mobile wallet (2M users); **May 2026 "Simple." Moroccan neobank + Super App banking platform** + **Attijariwafa Ventures fintech VC arm** (betting on African fintech).

## Implementations & partners

**Operator**: Attijariwafa bank S.A. (Casablanca Stock Exchange: ATW); SNI (Al Mada holding company; Royal Holding King Mohammed VI of Morocco) ~46% controlling + Santusa Holding (Banco Santander) ~5%.

**African subsidiaries**: **CBAO Sénégal + CBAO Burkina Faso + CBAO Mali + CBAO Niger + CBAO Côte d'Ivoire + CBAO Bénin + CBAO Togo** (West African footprint) + **Société Camerounaise de Banque (Cameroon) + UIB (Tunisia) + Attijariwafa bank Gabon + Attijariwafa bank Congo + Crédit du Sénégal + Attijariwafa bank Mauritanie + Attijari bank Tunisia + Banque Internationale pour le Mali (BIM)**.

**European subsidiaries**: **Attijariwafa bank Europe** (Belgium + France + Germany + Spain + Italy + Netherlands + UK + Switzerland + 8+ European countries) + **Attijari Egypt** + **Attijariwafa bank Middle East (UAE + Saudi Arabia)**.

**Major African banking competitors**: [Standard Bank](https://docs.barcoder.ai/docs/wallets/standard-bank) (Africa #1 by assets; South African) + FirstRand (Africa #2 by assets; South African) + [Absa Bank](https://docs.barcoder.ai/docs/wallets/absa) (Africa #3 by assets pre-Attijariwafa; South African; formerly Barclays Africa rebranded 2018) + [Ecobank / Ecobank Mobile App](https://docs.barcoder.ai/docs/wallets/ecobank) (Pan-African Togo-based) + [UBA (United Bank for Africa)](https://docs.barcoder.ai/docs/wallets/uba) (United Bank for Africa; Nigerian; pan-African) + [Access Bank](https://docs.barcoder.ai/docs/wallets/access-bank) (Nigerian; pan-African; post-2019 Diamond Bank acquisition) + [GTBank (Guaranty Trust Bank; GTWorld)](https://docs.barcoder.ai/docs/wallets/gtbank) (Nigerian + 11 countries) + [Zenith Bank](https://docs.barcoder.ai/docs/wallets/zenith-bank) (Nigerian) + Africa Bank of Africa (BOA; Moroccan-controlled; West African footprint).

**Regulators**: BAM + multi-jurisdiction African + European central banks.

## Fun facts

- **Morocco's largest financial institution by assets + market share** + **Africa's #3 largest banking group**.
- **12M+ customers worldwide daily** (Attijariwafa bank group).
- **Jibi mobile wallet 2M users in Morocco** — distinctive Moroccan mobile wallet.
- **May 2026 "Simple." launch** as Morocco's first neobank + Super App banking platform — distinctive Moroccan digital transformation.
- **Attijariwafa Ventures** (Moroccan banking giant fintech VC arm; betting on African fintech) — distinctive Moroccan banking fintech VC arm.
- **25+ countries footprint**: Morocco + 12+ Africa countries (West Africa + Central Africa) + Middle East + Europe — distinctive Moroccan-African banking flagship.
- **2003 Banque Commerciale du Maroc (BCM) + Wafabank merger → Attijariwafa bank** formal incorporation — distinctive Moroccan banking consolidation.
- **SNI (Al Mada holding company; Royal Holding King Mohammed VI of Morocco) ~46% controlling shareholder** — distinctive Moroccan royal banking ownership.

## Comparison

| Feature | Attijariwafa Bank | [Standard Bank](https://docs.barcoder.ai/docs/wallets/standard-bank) (Africa #1 by assets rival; South African) | FirstRand (Africa #2 by assets rival; South African) | [Absa Bank](https://docs.barcoder.ai/docs/wallets/absa) (Africa former #3 pre-Attijariwafa rival; South African; formerly Barclays Africa rebranded 2018) | [Ecobank / Ecobank Mobile App](https://docs.barcoder.ai/docs/wallets/ecobank) (Pan-African Togo-based rival) |
|---|---|---|---|---|---|
| Operator | **Attijariwafa bank S.A. (Casablanca Stock Exchange: ATW)** | Standard Bank Group Limited (JSE: SBK) | FirstRand Limited (JSE: FSR) | Absa Group Limited (JSE: ABG; formerly Barclays Africa Group Limited; rebranded 2018) | Ecobank Transnational Incorporated (NGX: ETI; GSE: ETI; BRVM: ETI; LSE: ETI) |
| Type | **Morocco's largest financial institution by assets + market share + Africa's #3 largest banking group + 12M+ customers worldwide + Jibi mobile wallet 2M users + May 2026 "Simple." Moroccan neobank Super App + Attijariwafa Ventures fintech VC arm + 25+ countries footprint** | Africa #1 by assets + 20+ countries African footprint + Standard Bank app | Africa #2 by assets + FirstRand Bank + FNB (First National Bank) + RMB (Rand Merchant Bank) + WesBank | Africa former #3 pre-Attijariwafa + 12+ countries African footprint + 2018 Barclays Africa rebrand to Absa | Pan-African Togo-based + 33 sub-Saharan African countries + Ecobank Mobile app + Ecobank Pay distinctive pan-African mobile money |
| Country | MA + 25+ countries | ZA + 20+ countries | ZA + 5+ countries | ZA + 12+ countries | TG + 33 sub-Saharan African countries |
| Distinctive | **1911 Wafabank Casablanca founding heritage; 1933 BCM founding in Casablanca, Morocco; 2003 BCM + Wafabank merger → Attijariwafa bank; SNI (Al Mada Royal Holding King Mohammed VI of Morocco) ~46% controlling + Santusa Holding (Banco Santander) ~5%; Apr 2025 Attijariwafa Ventures fintech VC arm; May 2026 "Simple." Moroccan neobank Super App launch** | 1862 Standard Bank of British South Africa founding in Port Elizabeth | 1838 Eastern Province Bank founding (FirstRand FNB predecessor); 1998 FirstRand formation | 1991 Amalgamated Banks of South Africa formation; 2005 Barclays Africa 60% acquisition; 2018 Barclays Africa rebrand to Absa | 1985 Ecobank founding in Lomé, Togo; 33 sub-Saharan African countries footprint |

## Status

**Active, Morocco's largest financial institution by assets + market share + Africa's #3 largest banking group** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Attijariwafa bank S.A. (Casablanca Stock Exchange: ATW)** since 1911 Wafabank Casablanca founding heritage + 1933 BCM founding + 2003 BCM + Wafabank merger → Attijariwafa bank formal incorporation.
- **12M+ customers worldwide daily + Jibi mobile wallet 2M users in Morocco + 25+ countries footprint**.
- **Apr 2025 Attijariwafa Ventures fintech VC arm + May 2026 "Simple." Moroccan neobank Super App launch**.
- **SNI (Al Mada Royal Holding King Mohammed VI of Morocco) ~46% controlling**.
- **BAM + multi-jurisdiction African + European central banks regulated**.

## Sources

[1]: https://en.wikipedia.org/wiki/Attijariwafa_Bank "Attijariwafa Bank — Wikipedia"
[2]: https://www.attijariwafabank.com/en "Attijariwafa bank — official"
[3]: https://launchbaseafrica.com/2025/04/10/inside-attijariwafa-ventures-how-moroccos-banking-giant-is-betting-on-african-fintech/ "Inside Attijariwafa Ventures: How Morocco's Banking Giant Is Betting on African Fintech — Launch Base Africa"
[4]: https://www.financialafrik.com/en/2026/05/27/attijariwafa-bank-accelerates-its-digital-transformation-with-the-launch-of-simple/ "Attijariwafa bank accelerates its digital transformation with the launch of 'Simple.' — Financial Afrik"
[ma-cro]: https://docs.barcoder.ai/docs/payments/MA

- [1] [Attijariwafa Bank — Wikipedia][1]
- [2] [Attijariwafa bank — official][2]
- [3] [Inside Attijariwafa Ventures: How Morocco's Banking Giant Is Betting on African Fintech — Launch Base Africa][3]
- [4] [Attijariwafa bank accelerates its digital transformation with the launch of 'Simple.' — Financial Afrik][4]
- <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup> In-corpus: `reports/countries/MA-morocco.md`

## Source

Biography extracted from [attijariwafa-bank.md](https://docs.barcoder.ai/source/wallets/attijariwafa-bank). See `matrix.md` for standards-support matrix if present.