Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. The benefits of money transfers by MoneyGram: payment of commission is only at the expense of sender. In due time MoneyGram separated from the Western Union and became an independent brand. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. 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%.