NAPS review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
NAPS is an independent financial operator in Morocco that specialises in secure electronic payment means and services. It offers a payment account with a prepaid card alongside business, student and transport card solutions for people who live on digital payments.
Key facts
- Best for
- Covers everyday digital payments in Morocco
- Monthly fee
- MAD 0↗
- Free ATM withdrawals
- MAD 0↗
- Transfer fee
- Outbound card-to-card transfer: 4 DH TTC (1-200 DH), 7 DH TTC (201-2000 DH), 10 DH TTC (2001-5000 DH), 0.30% HT over 5001 DH; received transfer free↗
- Legal entity
- NAPS↗
- Headquarters
- Morocco↗
- Founded
- 2012↗
- Support channels
- Email, Phone↗
- Audience
- Business, Students
- Pricing model
- No monthly fee
- Official website
- naps.ma
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- facebook.cominstagram.comyoutube.com
Pros and cons
Pros
- Provides a payment account linked to a prepaid card for daily spending
- Covers till payments and associated services for enterprises and institutions
- Offers dedicated multiservice cards for staff expenses, students and transport
- Aims to make digital payment means accessible to all across locations
Cons
- Range centres on payment accounts and prepaid cards without wider account choice
- Focus remains on the Moroccan market rather than international everyday banking
Who it suits
- People who pay by prepaid card for everyday spending
- Enterprises and institutions organising staff and service payments
- Students and commuters who use multiservice cards
Who should look elsewhere
- People seeking broader savings or credit products
How NAPS compares
Where NAPS is available
- Available
- Morocco
- Licence in Morocco
- Bank Al-Maghrib, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is NAPS?+
NAPS is an independent financial operator in Morocco that specialises in secure electronic payment means and services. It promotes access to digital payment means for all and in many places. Its work spans personal payment accounts and solutions for organisations.
Which products does NAPS cover for everyday use?+
NAPS covers a payment account paired with a prepaid card for everyday digital spending. It also covers till payments and associated services for merchants and organisations. Expense, salary, student and transport cards extend the same payment approach to specific needs.
Where does NAPS operate?+
NAPS operates as a financial operator in Morocco with a focus on secure electronic payments. It aims to spread digital payment means widely so different users can pay electronically. Enterprises, institutions and individuals within that market form its audience.
Who suits NAPS solutions?+
NAPS suits people who prefer a payment account and prepaid card for daily transactions. It suits enterprises and institutions that manage expenses, salaries or service payments. Students and transport users who need multiservice cards also sit within its audience.
Does NAPS charge a monthly fee?+
The monthly fee at NAPS is MAD 0. (Source, checked September 26, 2026)
Where is NAPS based?+
NAPS is based in Morocco. (Source, checked September 26, 2026)
When was NAPS founded?+
NAPS was founded in 2012. (Source, checked September 26, 2026)
How can I contact NAPS support?+
NAPS offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- naps.ma checked September 26, 2026
Backs: Audience, Licences
- naps.ma/a-propos-de-nous checked September 26, 2026
Backs: Founded
- naps.ma/carte-naps checked September 26, 2026
Backs: Pricing model, Monthly fee
- naps.ma/conditionsgenerales checked September 26, 2026
Backs: Free ATM withdrawals, Headquarters, Legal entity, Support channels, Transfer fee
“Retrait GAB 9 DH HT/retrait”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.