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Moroccan dirham to Swiss francs, in your head

One rule, the error band that comes with it, and the point at which it stops being the right rule. Updated from the live rate feed.

THE RULE
divide by 12

Dirhams to Swiss francs. Accurate to within 4.0% at today's rate, which means it reads about 4.0% cheaper than the real price — round up, not down.

1 CHF = 11.52 MAD · rate as of 2026-08-04

The ladder

The middle column is what the rule gives you standing in a market. The right column is the real number, so you can see exactly where the shortcut costs you.

Moroccan dirham Rule of thumbActual
DH5 CHF 0.417 CHF 0.434
DH10 CHF 0.833 CHF 0.868
DH20 CHF 1.67 CHF 1.74
DH50 CHF 4.17 CHF 4.34
DH100 CHF 8.33 CHF 8.68
DH200 CHF 16.67 CHF 17.36
DH500 CHF 41.67 CHF 43.41
DH1,000 CHF 83.33 CHF 86.82
DH2,000 CHF 166.7 CHF 173.6

Going the other way

Useful at the ATM, where you choose an amount in Swiss francs and want to know what lands in your hand.

Swiss francs Moroccan dirham
CHF 1DH11.52
CHF 5DH57.59
CHF 10DH115.2
CHF 20DH230.4
CHF 50DH575.9
CHF 100DH1,152

What catches people out in Morocco

The dirham is a closed currency — you are not supposed to take it out of the country, and you will struggle to change it once you have left.

When this rule stops working

Rules of thumb rot quietly. This one holds while the rate stays roughly between 11.5 and 12.5 MAD to the franc. Outside that band a different divisor becomes the better one to memorise. We regenerate this page from the live rate feed, so the date above tells you how fresh the number is — if you are reading this a long way after August 2026, check it before you rely on it.

Or skip the arithmetic entirely

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