Moroccans Can Buy Back Missing French Pension Quarters Even After Returning Home

Two or three validated quarters for a year worked in France: for a former employee now living in Morocco, the career record may show incomplete periods. They can then ask the French pension system to consider whether a buyback is possible.

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The 2026 General Instruction on Foreign Exchange Transactions provides for this transfer in Article 165. Moroccan banks may pay foreign organizations for pension contribution buybacks on behalf of Moroccan residents who worked abroad.

Article 166 limits the transferable amount to the sum substantiated by the documents submitted. Article 168 requires a copy of the national identity card and a buyback statement issued by the foreign fund, or a document indicating the amount to be paid.

Approval from the French fund is required before the transfer

In France, the French pension system offers, among other things, the option to buy back periods of higher education and years of work that did not earn four validated quarters. The limit for these reasons is twelve quarters in total.

To qualify for this scheme, the insured person must be at least 20 and under 67, and must not have applied for their state pension. There are two options: improve only the rate used to calculate the pension, or also increase the insurance period taken into account.

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The cost depends on age, income and the option chosen. The insured person can start by checking their career record, then use the French pension system’s website to estimate the cost of a buyback. If the fund approves the request, it sends an estimate of the amount and details of how to pay.

With this document and their identity card, the applicant can then contact their bank in Morocco to arrange payment to the French organization.