If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. MoneyGram cooperates with numerous partners from Europe. Among them such financial establishments as Post of Canada, Cyprus, Ukraine, Iceland, Moldova, the Royal Mail of UK and Norway, Italian Post, Bank of Ireland, Sberbank of Russia, Kocbank, Banco Popular Espanol, and many others. In due time MoneyGram separated from the Western Union and became an independent brand. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.