SIM Swap Scams in Morocco
SIM swap fraud in Morocco targeting Maroc Telecom and Inwi users to hijack mobile banking and CIH/Attijariwafa accounts.
Part of: SIM Swap Scams
Last reviewed: 1 June 2026
SIM swap fraud has emerged as a growing problem in Morocco, where mobile banking through Maroc Telecom's Floossi, Inwi Money, and major bank apps is widely used. Criminals obtain victims' CIN (Carte d'Identite Nationale) details through phishing or data breaches and use them to request fraudulent SIM replacements.
The fraud is particularly impactful for Moroccan diaspora members who rely on mobile banking to manage accounts and send remittances, as a successful swap can compromise both the domestic account and the international transfer service.
How this scam works on Morocco
A fraudster with a victim's CIN number contacts a Maroc Telecom or Inwi retail outlet claiming a lost SIM and requesting a replacement. Once the number is swapped, OTPs for the victim's bank and mobile-money apps redirect to the attacker.
Phishing campaigns specifically targeting Moroccans request CIN numbers under the pretence of verifying accounts with official government platforms, collecting exactly the data needed for a carrier identity check.
Diaspora-targeted variants collect CIN and carrier account details from people accessing their Moroccan accounts from abroad, who are less able to quickly visit a carrier store to reverse the swap.
Common red flags
- Phone loses signal or shows no service without an obvious network outage
- Carrier SMS about a SIM replacement you did not request
- Banking app OTPs no longer arriving on your number
- Recent phishing message asking for CIN number and carrier details
- Mobile money or bank account shows unauthorised transfer
How to protect yourself
- Add a security PIN to your Maroc Telecom or Inwi account at a retail store with your CIN
- Switch to app-based authentication rather than SMS for mobile banking where possible
- Act immediately if your phone loses signal — contact your carrier from another device
- For diaspora users, nominate a trusted person in Morocco who can act on your behalf at the carrier
- Protect your CIN number — do not share it in response to unverified digital requests
- Enable spending limits on your mobile money account to reduce maximum loss
How to report it
- Contact Maroc Telecom on 114 or Inwi on 0801 00 02 00 to report an unauthorised swap
- Call your bank fraud line immediately to freeze accounts
- Report to the Direction Generale de la Surete Nationale (DGSN) cybercrime unit
Frequently asked questions
Can Moroccan banks reverse a transfer made during a SIM swap?
Moroccan banks have fraud teams who can attempt to recall transfers made without authorisation. Contact the bank fraud line from an alternative phone immediately. International remittance reversals are harder — contact the transfer operator directly. Speed is critical.