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: there is no need to open a checking account when implementing the transfer. MoneyGram cooperates with numerous partners from Europe. Among them such financial establishments as Post of Canada, Cyprus, Ukraine, Iceland, Moldova, the Royal Mail of UK and Norway, Italian Post, Bank of Ireland, Sberbank of Russia, Kocbank, Banco Popular Espanol, and many others. In the city of San Salvador representatives of MoneyGram and Citibank announced a new regional project, which will provide money transfer services in Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua. Bank services of MoneyGram on money transfer are available only to individuals. 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%. The benefits of money transfers by MoneyGram: simplicity in making up. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.