As a financial and travel consultant with extensive experience in international travel and currency exchange, I am often asked about the best currency to take on trips abroad. When it comes to traveling to Morocco, the Moroccan dirham (MAD) is the official currency and the most widely accepted form of payment within the country. However, there are several factors to consider when deciding which currency to take, and I will outline these considerations in detail.

1. Local Currency (Moroccan Dirham):
The Moroccan dirham is the most practical currency to use while in Morocco. It is not only accepted everywhere but also the currency in which prices are listed. Having dirhams on hand will save you the hassle of constantly exchanging money and will help you avoid any conversion fees that might be charged by businesses or banks.

2. Foreign Currencies:
While the dirham is the primary currency, some tourist areas and larger hotels may accept foreign currencies such as euros (EUR) or US dollars (USD). However, the exchange rates offered by these establishments can be less favorable than what you would get at a bank or a currency exchange office. It is also important to note that smaller businesses and vendors will typically only accept dirhams.

3. Credit Cards and Debit Cards:
Credit cards are becoming more widely accepted in Morocco, particularly in larger cities and tourist areas. However, not all establishments accept them, and there may be additional fees for using a credit card. Debit cards linked to a bank account can also be used at ATMs to withdraw dirhams directly, which is a convenient way to access local currency without the need for an exchange.

4. Traveler's Checks:
Traveler's checks are a safer option than carrying large amounts of cash, but they are becoming less common and may not be accepted everywhere. If you choose to use traveler's checks, make sure they are in a widely accepted currency and that you have identification to present when cashing them.

5. Prepaid Travel Cards:
Prepaid travel cards can be a convenient way to carry money. They can be loaded with multiple currencies and used at ATMs to withdraw cash or at point-of-sale terminals that accept card payments. However, it's important to check the fees associated with these cards, as some may charge for ATM withdrawals or for loading additional currencies.

6. Currency Exchange Services:
Before traveling, you can exchange your home currency for dirhams at a bank or a currency exchange service. It's advisable to compare exchange rates and fees to ensure you get the best deal. Keep in mind that exchanging money in Morocco can be more advantageous than in your home country, as the rates may be better.

7. Carrying Cash:
It's always a good idea to carry some cash for emergencies or for places that do not accept cards. However, carrying large amounts of cash can be risky, so it's best to keep a balance between cash and other forms of payment.

8. Safety Considerations:
When traveling with money, safety is paramount. Keep your cash and cards secure and be aware of your surroundings to avoid theft. It's also a good idea to inform your bank of your travel plans to prevent them from blocking your cards due to suspicious activity.

In conclusion, while the Moroccan dirham is the best currency to take to Morocco for everyday transactions, having a mix of payment options can be beneficial. It's important to consider the convenience, safety, and cost-effectiveness of each option and to plan accordingly. Always research and prepare before your trip to ensure a smooth and enjoyable experience.

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