Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. Around the world, MoneyGram is working with leading financial institutions. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. MoneyGram launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. At the heart of MoneyGram is trust and reliability of customers. You can quickly send and receive money, as money transfers usually come to the recipient within 10 minutes. How to obtain the money? You go to any branch or affiliate partner of MoneyGram, show your identity document, fill in the letterhead, which specify a the transfer code and get the 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%.