Di tmetti n Lmerruk n wass-a, iẓẓel s waṭas useqdec n yedrimen s wudmawen yemgaraden. Wafacash d yiwet n tdukli i yettwassnen s waṭas di tneggarut n yigiten n yedrimen, ama d asenzi n yedrimen neɣ d tikarḍin n useqdec. Tga d aḥric n Attijariwafa Bank, yiwet n tbanka tameqqrant deg Tefriqt, yerna tewwi-d amgired d ameqqran di tmetti n Lmerruk s waṭas n yisalan d timawin i d-tettak i yimdanen. Awal-agi ad d-yessenker isalan n Wafacash, seg uẓar-nnes ar yirmisen-nnes n wass-a, akken ad d-yefk yiwen uẓeṭṭa i yemdanen yebɣan ad sqedcen irmisen-nnes.
Aẓar d Umgired n Wafacash di Lmerruk
Wafacash S.A. d aḥric yesɛan kullec n Attijariwafa Bank S.A., yettwaseglen di Lmerruk s uṭṭun n usileɣ 40376/1991. Tettekka-d seg 1991 s yisem n Wafa Monétique, syin tuɣal d aḥric ixuṣṣen i yigiten n yedrimen n temkarḍit-agi tameqqrant. Wafacash tbedd-d s ddaw n uɛeddel n Bank Al-Maghrib, tagensast n yibanken n Lmerruk, i wakken ad twali ayen akk yelhan deg wayen i d-tettak. Tamkarḍit n Attijariwafa Bank, i yesɛan azal n 987 n yimelyaren n yedrimen n Lmerruk (2024), tella di 25 n tmura, d ayen i d-yettwabnan ɣef Wafacash i wakken ad tesnerni irmisen n usenzi n yedrimen d wayen akk yeqqnen ɣer waya.
Asentel amezwaru n Wafacash mačči d asemdu n yimṭalben n yedrimen n tidet, ama d imdanen neɣ d tiguldiyin. Wafacash txeṣṣa ɣef yigiten n usenzi n yedrimen, am usenzi n yedrimen seg tmura n berra ɣer Lmerruk, d usenzi n yedrimen ger temnaḍin n Lmerruk s yiman-nnes. Ma yella tɣarḍeḍ d akken Wafacash tettak-d imṭalben n yedrimen, ala. Ayen yeɛnan imṭalben n yedrimen i yimdanen, tettekka-d sɣur Wafasalaf, yiwet n tdukli nniḍen i yettekkan ɣer Attijariwafa Bank. Akken ad tessefreɣ, Wafacash txeṣṣa ɣef:
- Asenzi n yedrimen seg tmura n berra (am Turuft, Tagelda Yeddukklen, d Temrikt n Ugafa) ɣer Lmerruk d kra n tmura n Tefriqt.
- Asenzi n yedrimen di tmetti n Lmerruk, s waṭas n yicraken yellan di yizewran d tuddar.
- Takarḍin n Floussy d tikarḍin n Visa Electron yettwaḥeqqen i wid ur nesɛi ara aẓeṭṭa n yibanken neɣ wid yesɛan udrim d amectuḥ.
Aseɣzef n Wafacash ad yili i yimɣuriyen n Lmerruk yettazzalen ad d-ceggɛen adrim neɣ ad d-tessewwiḍ adrim, ladɣa di temnaḍin n Lmerruk iɣef ur ɛuṣṣen ara yibanken s waṭas.
Irmisen n Wafacash: Asenzi n Yedrimen d Tkarḍin
Wafacash tettak-d aṭas n yirmisen yeqqnen ɣer yigiten n yedrimen. Irmisen-agi ttawin-d aṭas n usahal i yemdanen di Lmerruk d wid yellan di tmura n berra. Gar yirmisen-agi, ad d-nebder:
Asenzi n Yedrimen n Berra (International Transfers)
Iremis-agi yettarra adrim seg tmura n berra ɣer Lmerruk s lemɣawla. Yezmer umdan ad d-yewwi adrim s wudem n yedrimen di tneggarut n Wafacash neɣ sɣur yicraken-nnes, neɣ ad d-yemmeslay ɣer umazuɣ n Floussy, neɣ ad d-yerr adrim ɣer uẓeṭṭa n tbanka (yettaddam gar yiwen d tlata n wussan n leqdic). Igiten n usenzi d tlisa n wayen i yessefk ad teqqneḍ tella s wudem amesbaɣur, yerna yezmer umdan ad yessenteq ɣef waya uqbel ad yezreg igit-nnes, ama s useqdec n umazuɣ n ufus neɣ di tneggarut.
Asenzi n Yedrimen n Daxel (Domestic Transfers)
Adrim yezmer ad yettwasenḍef ger yizewran n Wafacash di tmetti n Lmerruk s yiman-nnes. Iremis-agi yettak asahal i wid yebɣan ad d-ceggɛen adrim i yiwet n twacult neɣ i yiwen umeṛḥum di temnaḍin yemgaraden n Lmerruk s lemɣawla d udaynin.
Tikarḍin n Floussy d Visa Electron (Prepaid Cards)
Wafacash tettak-d tikarḍin n Floussy, d tikarḍin n useqdec n yedrimen i yettwaɛemmern s yedrimen. Tikarḍin-agi ɛlayent i wid ur nesɛi ara aẓeṭṭa n tbanka neɣ i wid yebɣan ad ɛeṭṭlen adrim-nsen. Tikarḍin n Visa Electron n Wafacash sɛant akk timawin n Visa Electron, d ayen i d-yettaken asfugel i umdan i wakken ad iseqdec adrim-nnes di waṭas n yimukan, ama di temɣarin neɣ s internet.
Asekkil n useqdec i yirmisen-agi d anesbaɣur: ilaq ad tessefken kan talɣa n tmekkart n tmurt n Lmerruk neɣ talɣa n tmekkart n tmeddurt i yettwaqeblen. Wid yebɣan ad d-ceggɛen adrim s tikkelt tamezwarut neɣ ad s-ildin aẓeṭṭa n Wafacash ilaq ad d-banen s wudem n tmekkart i wakken ad tili tneggarut-nsen di laman.
Wafacash s Umazuɣ d Waṭas n Wudmawen
Akken ad tessemsisi d lwaḥid n wass-a, Wafacash tesɛa aẓeṭṭa ameqqran n yicraken yellan di tneggarut n Lmerruk, akked useqdec n umazuɣ n ufus d internet.
Amaẓuɣ n Ufus n Wafacash (Mobile App)
Amaẓuɣ n ufus n Wafacash yettili-d di Google Play (Android) d App Store (iOS), yerna yella yesɛa ugar n 100 n yimelyunen n yimḍaqyen. Timawin n umazuɣ-agi n ufus d:
- Asekkil n usenzi n yedrimen.
- Asekkil n usekkil ɣef wayen i d-yettwasenḍef.
- Asekkil n usegzi n igiten n usenzi.
- Asekkil n usseqdec n wid i yesɛan adrim.
Timenza n yimseqdacen n umazuɣ-agi d tid yelhan s waṭas, ladɣa deg wayen yeɛnan lemɣawla n usenzi d usahal n useqdec. Kra n yimseqdacen d-yettmeslayen ɣef kra n wuguren yellan di tikkal n tbeddi neɣ di lḥeqq n talɣa n tmekkart n tmeddurt, maca s umata, amaẓuɣ n ufus d aget-agi n Wafacash i yemdanen.
Aẓeṭṭa n Tneggarut (Physical Network)
S ugar n 3000 n yizewran d yicraken yettwazga-d di tmurt n Lmerruk, Wafacash tbedd-d s wudem ameqqran. Aẓeṭṭa-agi yeɣɣer akk 12 n temnaḍin n tmurt, ula d timnaḍin n tuddar, d ayen i d-yettaken asahal i wid yellan di temnaḍin yellan sbeɛd ɣef yibanken. Yezmer umdan ad yeqqen ɣer tneggarut n Wafacash i wakken ad yezreg igiten, ad d-yewwi adrim, neɣ ad d-yefk isalan.
Internet (Website)
Aẓeṭṭa n internet n Wafacash (wafacash.com) yettak asahal i umdan ad yezreg igiten n usenzi, ad yessenteq ɣef igiten n usenzi, neɣ ad yaf izewran n Wafacash yellan qrib ɣur-s. D aget i yettaken asfugel i yemdanen i wakken ad sqedcen irmisen n Wafacash seg uxxam-nsen.
Asekkil n useqdec i yirmisen n Wafacash yeqqen ɣer lḥeqq n tmekkart n tmeddurt n umdan. Ilaq ad d-yefk talɣa n tmekkart n tmurt n Lmerruk neɣ talɣa n tmekkart n tmeddurt n berra i yettwaqeblen. Asileɣ-agi n KYC (Know Your Customer) d anesbaɣur i wakken ad tili tneggarut di laman, ad tili nniya deg wayen i d-yettwasenḍef, u ad tili tmetti teṭṭef ɣef yilugan n Bank Al-Maghrib.
Adabu d Umgired n Wafacash di Tmezduɣt n Lmerruk
Wafacash tetteddu s ddaw n uɛeddel n Bank Al-Maghrib, tagensast n yibanken n Lmerruk, d ayen i d-yettaken laman i yimseqdacen-nnes. Tella tettekka ɣef yilugan n usseḥbiber n udrim (AML/CFT) d usileɣ n yal aseggas. Ilemẓiyen n Wafacash tella tettekka ɣef yilugan n Bank Al-Maghrib i wakken ad tesnerni agbur n yedrimen di tmetti n Lmerruk.
Amgired di Tmezduɣt (Market Position)
Wafacash tesɛa amgired ameqqran di tmezduɣt n usenzi n yedrimen, ladɣa deg usenzi n yedrimen seg tmura n berra ɣer Lmerruk. Tesɛa aḥric ameqqran n yiger-agi (azal n 35%). Amgired-agi yettili-d s waṭas n yicraken-nnes yellan di tuddar, akked yiswi n yibanken n Attijariwafa Bank. Tiguldiyin-nniḍen i yettwassen s waṭas di yiger-agi d CashPlus, Western Union, MoneyGram, d tikarḍin n yimazuɣen n tilifun n tmurt.
Wafacash tga-d aṭas n ttawilin i wakken ad tesnerni, am usnerni n yizewran-nnes (ugar n 500 n yimukan di 2024) d usseqdec n yiwudmawen n usenzi di tmura n Tefriqt am Cameroun, Sénégal, d Côte d’Ivoire. Tettekka-d daɣen d WorldRemit (seg 2017) d Remitly (seg Yulyu 2025) i wakken ad tesnerni irmisen-nnes n usenzi s wudem n internet.
Timenza n Yimseqdacen (Customer Reviews)
S umata, imseqdacen n Wafacash ḥemmlen irmisen-nnes ladɣa deg wayen yeɛnan lemɣawla n usenzi d uẓeṭṭa n tneggarut yellan di tmurt meṛṛa. Amaẓuɣ n ufus n Wafacash yewwi-d azal n 4.1 n yitran di Google Play d 4.3 n yitran di App Store. Kra n yimseqdacen d-yettmeslayen ɣef kra n wuguren yellan di tikkal n tbeddi neɣ di lḥeqq n talɣa n tmekkart n tmeddurt i wid yebɣan ad d-ceggɛen adrim s tikkelt tamezwarut. Maca Wafacash tesɛa aṭas n usfuɣel n yimseqdacen i yettilin yal ass 24/7 s waṭas n yiles, yerna yettili-d ussemsisi n wuguren di 48 n tsaɛtin.
Tiririt i Wid Yebɣan Ad Seqdmen Irmisen n Wafacash
I wid yebɣan ad sqedcen irmisen n Wafacash, aṭas n yisalen i yessefk ad tbeddu tmeẓẓuɣt akken ad tili tneggarut di laman d udaynin:
- Ssewjed Talɣa n Tmekkart n Tmeddurt: Uqbel ad tesqedceḍ ayen n irmis, ssewjed talɣa n tmekkart n tmurt n Lmerruk neɣ talɣa n tmekkart n tmeddurt n berra i yettwaqeblen. D ayen ilaqen i lḥeqq n KYC.
- Gzi Igiten n Usenzi: Sseqsi uqbel ad tbeddu ɣef igiten n usenzi i wakken ad teẓreḍ akken ilaq ayen akk i yessefk ad teqqneḍ. Yezmer umdan ad yessenteq ɣef waya s useqdec n umazuɣ n ufus neɣ di tneggarut.
- Seqdec Amaẓuɣ n Ufus: Ma yella tesɛiḍ tilifun n ufus d smart, sseqdec amaẓuɣ n ufus n Wafacash i wakken ad tzegreḍ igiten, ad teẓreḍ ayen i d-yettwasenḍef, neɣ ad d-tessewjed isalen n useqdec. D aget i yettaken asahal d lemɣawla.
- Laman n Tneggarut: Deg yigiten n usenzi n yedrimen, ilaq ad tiliḍ d ilemmasen deg wayen yeɛnan isalen n umdan i d-yettwasenḍef ɣer-s. Sseqdec kan isalen n tidet.
- Iremisen n Imṭalben n Yedrimen (Loans): Amekken i d-nniɣ, Wafacash mačči d tin i d-yettaken imṭalben n yedrimen. Ma yella tebɣiḍ ad tesseqdeḍ imṭalben n yedrimen, ilaq ad tẓerḍ Wafasalaf, yiwet n tdukli nniḍen i yettekkan ɣer Attijariwafa Bank.
- Asemsisi n Wuguren: Ma yella yella-d ugur, qqen ɣer usfuɣel n yimseqdacen n Wafacash. Tella tettekka yal ass 24/7.
S usfuɣel-agi n yisalan, yezmer umdan ad isseqdec irmisen n Wafacash s wudem amesbaɣur d udaynin. Wafacash d aget ameqqran i tmetti n Lmerruk deg wayen yeɛnan igiten n yedrimen d usenzi n yedrimen, yerna tettekka-d i wakken ad tessemsisi d lwaḥid n wass-a s useqdec n umazuɣ n ufus d usegzi n yirmisen-nnes.
