If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. Bank services of MoneyGram on money transfer are available only to individuals.