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. In 2011, a global network of agents of MoneyGram has grown up to 256 000 service points, thus its growth is 24% compared to the same period of the previous year. Very intensive and focused approach has helped MoneyGram to grow business at a rapid pace and establish MoneyGram as a global player in the marketplace. 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. Millions of families depend on MoneyGram to safely send money home or pay the bills. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days.