When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. Understanding that being in another country, you may not be fluent in the local language, that's why MoneyGram always tries to talk to you in your native language. In due time MoneyGram separated from the Western Union and became an independent brand. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. 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. MoneyGram offers an efficient, fast and secure way to send money around the world. The benefits of money transfers by MoneyGram: high-speed delivery of transfers (10-15 min). 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%.