MoneyGram International, one of the leaders in the market of international money transfers, announced about its entering the market of Bosnia and Herzegovina, started cooperation with the country's largest bank Nova Bank. If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. 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. 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. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. 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. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days. Today, MoneyGram - is the second world leader by the growth of money transfers between individuals and the dynamics of international network services.