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. The benefits of money transfers by MoneyGram: high-speed delivery of transfers (10-15 min). Millions of families depend on MoneyGram to safely send money home or pay the bills. Keep in mind that if your locality there are several banks, working with MoneyGram and you will convert the currency received, before receiving check currency rates in several points - they can vary.