Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality.