NAPS review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NAPS is a prepaid Visa card for people in the market Bank Al-Maghrib licenses who want everyday spending without a monthly charge. The monthly fee of MAD 0 sits alongside payments on visa and support on email and phone, which keeps the running costs and the account simple to follow.
Key facts
- Best for
- Everyday prepaid spending on a Visa network with a monthly fee of MAD 0.
- Monthly fee
- MAD 0 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Founded
- 2012 (Source, checked September 26, 2026)
- Support channels
- Email, Phone (Source, checked September 26, 2026)
- Official website
- naps.ma
Pros and cons
Pros
- Monthly fee of MAD 0 for the prepaid card, under the €5 monthly fee at Skrill
- Card type is prepaid on the visa network, so it is accepted wherever that network is taken
- Trading since 2012, with help available by email and phone
Cons
- Support runs on email and phone only, so questions are limited to those routes
- A prepaid card spends only money already loaded, so a bill larger than the balance goes unpaid
- Spending is confined to the visa network, so acceptance follows wherever that network is taken and nowhere else
Who it suits
- People who want a prepaid Visa card with a monthly fee of MAD 0 and no interest to think about
- Families sharing day to day spending in the market Bank Al-Maghrib licenses
- Anyone comfortable topping up a prepaid balance and paying with prepaid funds
Who should look elsewhere
- Skrill, which charges a monthly fee of €5 where the NAPS card charges MAD 0
- CrediMax Cardy EX prepaid Visa, whose monthly fee of BHD 0 matches, so pick on where you use the card
- JMMB Moneyline and JMMB Money Transfer prepaid card, which charges a monthly fee of JMD 0 and centres on transfers
Who runs it
NAPS has been trading since 2012, so it is a familiar name in the market Bank Al-Maghrib licenses. Help runs on email and phone, giving you a written and a spoken route rather than a single inbox. Chat does not appear among email and phone, so a question sent by email or phone waits for a reply.
How NAPS compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
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
How much does a NAPS card cost to hold?+
The monthly fee is MAD 0 for the prepaid card, so holding it does not add a recurring charge. For context, the prepaid cards on this site have a middle monthly fee of €0, while the highest reaches €31.38.
What kind of card is it and where can I use it?+
It is a prepaid card on the visa network, so you load a balance and then pay wherever that network is accepted. A prepaid balance caps you at the money you have loaded, which suits people who want a firm limit on everyday spending.
Who regulates NAPS and what happens to the balance?+
Bank Al-Maghrib is the regulator listed for NAPS, which issues the prepaid card in that market. A prepaid balance sits with the provider rather than a bank, so it is worth asking the team on email and phone what stands behind the money before loading a large amount.
How do I get help if something goes wrong?+
Support runs on email and phone, so you can write or call. That suits you if you would rather keep a written record of an answer or talk a problem through. Keep the card nearby when you call, as the team works from the visa payment record.
How long has NAPS been around?+
NAPS has been trading since 2012, long enough for the name to be familiar in the market Bank Al-Maghrib licenses. Length of trading is a weak signal on its own, so weigh it alongside the MAD 0 monthly fee and the visa the card runs on.
Is NAPS cheaper than Skrill for a monthly card?+
Skrill charges a monthly fee of €5, while NAPS charges MAD 0 for the prepaid card. Other prepaid options on the site, CrediMax Cardy EX and the JMMB prepaid card, sit at BHD 0 and JMD 0.
Who is the NAPS card for?+
It suits people who want a prepaid Visa card with a monthly fee of MAD 0 and support by email and phone. It is less suited to anyone who wants to borrow on the card or hold a bank account balance, since the prepaid card works from money you have already loaded.
Sources
- naps.ma/a-propos-de-nous checked September 26, 2026
Backs: Founded, Card network
- naps.ma/carte-naps checked September 26, 2026
Backs: Card type, Monthly fee, Support channels, Licences
“Centre de relation clients : 05 22 91 74 74 - contact@naps.ma”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.