RCAR — Member services: practical guide

Quick answer. The RCAR Affiliate Area is mainly used to review your account situation with the Régime Collectif d’Allocation de Retraite and to obtain an indicative simulation of your future pension. RCAR provides these functions on its website and through the SMART RCAR application. A simulation is an estimate only and does not replace the final calculation of your pension rights.

What can an affiliate check online?

RCAR states that a contributing member of the General Scheme or Complementary Scheme can consult their account situation from the Affiliate Area. This is especially useful for checking the declarations recorded during your RCAR career before you reach the retirement stage.

SMART RCAR also mentions account consultation and pension simulation for affiliates at several horizons, including 21 years of service, age 55, age 60 or a date chosen by the user. Treat these results as projections rather than as a pension decision.

What if declarations are missing?

RCAR recommends reporting an anomaly when an expected period or declaration does not appear in the account situation. You can contact RCAR, which may notify the employer for regularization, or contact the employer directly. It is better to do this before retirement age so there is enough time to correct the career record.

Affiliate, beneficiary or employer: choose the right area

This page concerns an affiliate, meaning a person whose career contributions are declared to RCAR. Pensioners use the beneficiary area, while employers use separate services for declarations, affiliations and payments. Choosing the correct area prevents you from searching for a feature that is not available to your profile.

How to prepare your consultation

• use only the official domain rcar.ma or the SMART RCAR application published by RCAR;
• sign in to the Affiliate Area with the identification details requested by the portal;
• check the periods and declarations shown in your account;
• if you are preparing for retirement, run a simulation and keep the result as a working estimate;
• if there is a discrepancy, prepare the references for the period concerned before contacting your employer or RCAR.

e-services.ma never asks for your RCAR credentials and does not authenticate on your behalf. Personal and career data should only be entered through official channels.

Pension simulation: what it can and cannot do

The RCAR affiliate brochure describes the simulation as an overall indicative estimate of future retirement. The amount actually granted depends on the recognized career, declarations recorded and rules applicable when rights are opened. A difference between your real history and the account situation can therefore affect the projection, so check the account first.

If you are preparing the retirement file

RCAR distinguishes online consultation from the retirement request itself. Once the conditions are met and the employer has completed the required termination step, RCAR refers users to the “Retirement Allowance Request” form and the supporting documents available in its forms section. This guide deliberately does not reproduce a fixed checklist: verify the current official version when you apply.

Institutional sources checked on 7 September 2026

• RCAR — official website
• RCAR — affiliate information on account situation, simulation and retirement preparation
• SMART RCAR — official application information

Key point: start by checking your account situation. Report missing declarations before retirement, use the simulation as an estimate, and verify current conditions and forms on rcar.ma.

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