When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. Around the world, MoneyGram is working with leading financial institutions. MoneyGram's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. Sum of the money transfer is paid immediately upon request at any convenient for client currency - cash in U.S. dollars, Euro, local currency, depending on the country of the transfer receiving. For the company MoneyGram is important not only to provide customers with an easy and convenient way to carry out money transfers and support their families at home, but also to help them as much as possible to adapt to the foreign countries. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram MoneyGram company operates around the clock and all 7 days a week, so the time of money transfer takes only 10 minutes.