If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. In due time MoneyGram separated from the Western Union and became an independent brand. Bank services of MoneyGram on money transfer are available only to individuals. Today the company MoneyGram International - an independent U.S. company, whose shares are traded on the New York Stock Exchange and MoneyGram money transfer is considered one of the largest international money transfer systems without opening a bank account. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked.