这种方式被摩洛哥和讲葡萄牙语的国家所广泛采用，其中最具代表性的是由西班牙银行桑坦德集团及其摩洛哥同行阿提哈利瓦法银行首创的零手续费汇款服务。
This approach, widely developed by Morocco and the Portuguese-speaking world, is epitomized by the zero-commission policy initiated by the Spanish bank Santander and its Moroccan counterpart, Attijariwafa Bank.