Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. In due time MoneyGram separated from the Western Union and became an independent brand. MoneyGram - is an urgent money transfer by means of wired transfer around the world without opening a bank account. Bank services of MoneyGram on money transfer are available only to individuals. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency.