The benefits of money transfers by MoneyGram: there is no need to open a checking account when implementing the transfer. In due time MoneyGram separated from the Western Union and became an independent brand. What are the main benefits of money transfers by MoneyGram? Reliability - the international payment system gives complete assurance that the money will be paid to the recipient. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.