NAPS review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
NAPS suits people in Morocco who want a plain prepaid card for everyday spending, not a crypto account. It charges a monthly fee of MAD 0, runs on the Visa network and is supervised by Bank Al-Maghrib, so the money side is conventional rather than tied to digital assets.
Pros and cons
Pros
- Monthly fee of MAD 0, so the card costs nothing to keep
- Runs on the Visa network, which is the most common choice on the site at 57.4%
- Supervised by Bank Al-Maghrib in Morocco
- Support runs by email and phone
Cons
- A prepaid card type, which only 19.3% of the cards on the site use, mostly because the balance is loaded ahead of time
- Support runs on email and phone only, with no chat channel listed
- The monthly fee of MAD 0 says nothing about currency conversion or cash withdrawals, where site cards sit at a median 1%
Who it suits
- People in Morocco who pay in dirhams and want a card for shops and everyday costs
- Anyone who wants a prepaid Visa card without paying to hold it
- Readers who would rather bank with a supervised institution than hold crypto on a card
Who should look elsewhere
- Bitpanda, if you want a card linked to a crypto exchange account
- Wise, if converting and sending money abroad is the main job
- Monzo Flex, if you want a debit card with a current account behind it
The company behind it
NAPS has been running since 2012 and works under the supervision of Bank Al-Maghrib in Morocco. Support runs on email and phone, so help arrives by written message or by phone rather than through live chat. It is a payment institution first, with a card attached, not a crypto platform, and the card sits on the Visa network.
How NAPS compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1A crypto exchange card sits in a different category, since only 19.3% of the cards on the site are prepaid like NAPS.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
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 the NAPS card cost to hold?+
The monthly fee is MAD 0. Most card accounts on the site charge nothing, with a median of €0 and an upper end of €99, so the NAPS figure sits at the common end of the range. Nothing in the listed pricing points to a setup charge.
Who regulates NAPS?+
Bank Al-Maghrib supervises NAPS in Morocco, listed as the regulator for the country. That makes it a supervised payment institution rather than an offshore card issuer, which is the main difference from crypto card brands on the site.
Is the NAPS card prepaid or debit?+
The card type is prepaid, so the balance is loaded before it is spent rather than drawn from a current account. Prepaid cards are 21.2% of the cards on the site, against 73.4% for debit.
Which network does the NAPS card use?+
The NAPS card runs on Visa, the most common network among cards on the site at 57.4%. That means it should work at most card terminals and cash points, including those abroad.
How do I get help from NAPS?+
Support runs on email and phone. Among cards on the site, a help centre appears for 62.2% and live chat for 29.4%, so a listed email and phone route is a narrow but direct way in.
Can I use NAPS for crypto spending?+
Nothing in the listed details points to crypto balances, self-custody keys or token support on the NAPS card. It is a prepaid payment card in dirhams, and among cards on the site, 67.2% of the ones holding crypto do so under custody arrangements.
Who is the NAPS card aimed at?+
The prepaid format fits people who want a card for everyday costs and can top the balance in advance, without holding crypto. On the wider site, kids and family cards account for 37.8% of card accounts and business cards for 64.6%.
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.
NAPS
Everyday spending from a prepaid Visa card in Morocco at a monthly fee of MAD 0.