Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. The benefits of money transfers by MoneyGram: no fixup (the recipient may request payment at any MoneyGram agent in the country of receiving). Bank services of MoneyGram on money transfer are available only to individuals. To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%.