BMCE Direct - Banking & transactions online

Manage your finances easily and securely with BMCE Direct, the Remote Banking solution from BANK OF AFRICA.

Strategic of BMCE Direct

1. Digital Transformation Goals

Enhanced Customer Experience: BANK OF AFRICA aims to improve customer satisfaction by providing a seamless digital banking experience, leveraging user-friendly interfaces and intuitive navigation within the BMCE Direct application.

Operational Efficiency: The bank is focused on digitizing its processes to enhance operational efficiency, allowing for quicker transaction processing and better resource management.

2. Key Features of BMCE Direct

Comprehensive Account Management: Users can view account balances, transaction histories, and manage their cards directly from the app. This feature supports real-time monitoring of finances.

Transfer and Payment Services: BMCE Direct allows users to perform local and international transfers at competitive rates, as well as pay bills for utilities, taxes, and educational fees conveniently.

Loan and Insurance Management: Customers can check the status of their loans and subscribe to various insurance products directly through the app.

Budgeting Tools: The platform offers tools for managing budgets and tracking expenses in real-time, which can help users maintain better financial control.

3. Security Measures

Multi-Factor Authentication: To enhance security, BMCE Direct implements multi-factor authentication processes for transactions, ensuring that user data is protected against unauthorized access.

Data Encryption: All transactions are encrypted, safeguarding sensitive information during online banking activities.

4. Market Positioning

Competitive Advantage: By offering a robust digital banking solution like BMCE Direct, BANK OF AFRICA positions itself favorably against competitors in the market. The bank aims to become a leader in digital innovation across Africa by 2030.

Focus on Accessibility: The bank is committed to democratizing access to banking services through its digital offerings, making financial services more accessible to a wider audience.

5. Future Directions

Expansion of Services: BANK OF AFRICA plans to continually expand the range of services available through BMCE Direct, including additional payment options and enhanced customer support features.

Integration of Advanced Technologies: The bank is exploring the use of artificial intelligence (AI) and machine learning (ML) to personalize user experiences and improve service delivery within the app.

Access a wide range of banking services from your computer or mobile, wherever you are and whenever you want:

• Consultation: View your account balance, transaction history, card status, loan status, securities accounts, and bancassurance products quickly.

• Transfers and deposits: Transfer funds to BANK OF AFRICA accounts or other banks securely and cost-effectively.

• Bill Payment: Easily pay bills such as water, electricity, and phone bills with a few clicks.

• Prepaid Card Recharge: Quickly recharge your prepaid card for daily expenses.

• Checkbook order: Request a new checkbook directly through the application.

• Online subscription: Easily subscribe to a bank card, savings account, or assistance products.

• Card management: Customize card settings like blocking, recharging, changing PIN codes, activating bonuses, and enabling/disabling currency payments.

• Download documents: Access account notifications, bank statements, RIB, and IBAN.

• Update information: Change phone numbers and email addresses for secure online payment authentication (3DS).

• Contact: Reach out to your advisor or schedule an appointment at a branch directly from the application.

And much more!

Need assistance? Our advisors are available seven days a week from 8 a.m. to 10 p.m. at 080 100 8100 (Morocco) or +212 5 22 42 15 42 (abroad).

BMCE Direct: Your everyday banking partner.