Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. In 2011, a global network of agents of MoneyGram has grown up to 256 000 service points, thus its growth is 24% compared to the same period of the previous year. MoneyGram's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. Bank services of MoneyGram on money transfer are available only to individuals. 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. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram