How to Send Money Using MoneyGram

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You can send money with MoneyGram in 3 easy steps: choose your method (online, with the MoneyGram app, or at a MoneyGram agent location), enter your recipient’s details, and pay with your debit card, Apple Pay, or cash. MoneyGram lets you send money internationally to over 200 countries, including China. To send money with MoneyGram, you need your recipient’s name, the amount, and a valid ID. Over 50% of all transfers now happen digitally, showing how easy it is to send money with MoneyGram online or by app. Every year, MoneyGram handles more than $200 billion USD in transfers, helping millions send money internationally or locally.

Key Takeaways

• Send money easily with MoneyGram online, via the app, or at agent locations in over 200 countries.
• Always enter your recipient’s full name exactly as on their ID to avoid delays or issues.
• Use debit cards or Apple Pay for online and app payments; cash works at agent locations.
• Check transfer fees, exchange rates, and sending limits before you send to save money.
• Track your transfer with the reference number and notify your recipient to ensure smooth pickup.

Send Money Options

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MoneyGram gives you three main ways to send money: online, with the MoneyGram mobile app, or at a MoneyGram agent location. Each option lets you send money internationally or within your own country. You can choose the method that fits your needs best. Here’s how each one works.

Online

You can send money online from your computer or mobile browser. This is one of the fastest ways to complete your transaction, especially for international transfers. Here’s how you do it:

1. Go to the MoneyGram website and log in to your MoneyGram account. If you don’t have one, you can create it in just a few minutes.
2. Enter your recipient’s full name, making sure it matches their ID. Choose the country you want to send money to. You can send money to over 200 countries and territories, including China and Hong Kong.
3. Pick how your recipient will get the money. You can send to a bank account, for cash pickup, or even to a mobile wallet in some countries.
4. Enter the amount you want to send. The website will show you the transfer fees and the current exchange rate in USD.
5. Choose your payment method. You can pay with a debit card or, if you’re using a compatible device, Apple Pay. Credit cards are not accepted for online money transfer.
6. Review all the details. Double-check the recipient’s information and the amount.
7. Confirm and send money online. You’ll get a receipt and an 8-digit reference number. Share this number with your recipient so they can pick up the funds if you chose cash pickup.

Tip: Always access the MoneyGram website directly. Avoid clicking on links from emails or messages to keep your online money transfer safe.

MoneyGram App

The MoneyGram mobile app makes it easy to send money from your phone. You can use it for international transfers or to send money within your country. The app offers extra security features and a simple process:

1. Download the MoneyGram mobile app from the App Store or Google Play.
2. Log in or create a MoneyGram account.
3. Enter your recipient’s details, including their full name and country. Make sure the name matches their ID.
4. Choose how your recipient will receive the money. You can send to a bank account, for cash pickup, or to a mobile wallet.
5. Enter the amount in USD. The app will show you the transfer fees and exchange rates.
6. Select your payment method. You can use a debit card or Apple Pay. The app does not accept credit cards.
7. Review your details and complete your transaction. You’ll get a receipt and a reference number to share with your recipient.

The MoneyGram app uses strong security protocols to protect your information. You can set up biometric authentication, like fingerprint or facial recognition, and enable two-factor authentication for extra safety. The app uses advanced encryption and real-time fraud detection to keep your money secure. MoneyGram’s cybersecurity team monitors the app 24/7 and works with top firms like Symantec and IDology to keep your account safe.

Note: Keep your app updated and use strong passwords. Always check your transaction history for any unauthorized activity.

At a MoneyGram Agent Location

If you prefer to send money in person, you can visit a MoneyGram agent location. MoneyGram has about 233,000 agent locations worldwide, with many found in Wal-Mart stores in the United States. You can find an agent location near you easily on the MoneyGram website.

Here’s how to prepare for your agent visit and send money:

1. Find an agent location near you.
2. Bring a valid photo ID (like a passport or driver’s license). This is required for all international transfers and most other transactions.
3. Write down your recipient’s full name exactly as it appears on their ID, and their location.
4. Bring the amount you want to send, plus transfer fees. Most agent locations accept cash, and some may take debit cards.
5. Fill out a send form if needed.
6. Give the form, your ID, and the money to the agent. The agent will process your payment and complete your transaction.
7. Get your receipt and the 8-digit reference number. Share this number with your recipient so they can pick up the money.

Note: Even if you are a Plus Rewards member, you still need to show a valid ID at the agent location.

MoneyGram agent locations let you send money to over 200 countries and territories. This makes it easy to support family or friends almost anywhere in the world. You can use this method for both local and international transfers.

Requirements to Send Money

Before you send money with MoneyGram, you need to gather a few important details and documents. This helps make sure your transfer goes smoothly and reaches the right person.

Recipient Details

You must enter your recipient’s full name exactly as it appears on their government-issued ID. This is very important because even a small mistake can cause delays or make the money bounce back to you. Here’s what you’ll need:

• The recipient’s full name (matching their ID)
• The country where they will pick up the money
• How they want to receive the funds (bank account, cash pickup, or mobile wallet)
• The amount you want to send

Double-check all details before you send. If you enter the wrong name or address, your recipient might not get the money, or the transfer could get delayed.

Some countries or agent locations may ask for extra information, like proof of address. It’s a good idea to call the local MoneyGram agent if you’re unsure about what’s needed.

Identification and Documents

You must show a valid photo ID when sending money at an agent location. Acceptable IDs include a passport, driver’s license, or a national identity card. MoneyGram asks for ID every time you send money, even if you are a Plus Rewards member. Sometimes, you may need to upload a new ID if yours has expired or if MoneyGram needs to check your identity again for security reasons.

If you’re picking up money, you also need to show a valid photo ID and give the reference number from the transfer. Some agents may ask for proof of address, depending on the country.

Payment Methods

MoneyGram lets you pay in different ways, depending on how you send money:

• Online: Use a debit card or, if you have the MoneyGram app, Apple Pay. Some online options may allow credit cards, but your card company might charge extra fees.
• At agent locations: Cash is the main payment method. Some agents also accept debit cards.

Note: Credit cards can work for online transfers, but your bank may treat it as a cash advance and charge extra fees. Always check with your card provider before using this option.

Make sure you have enough funds ready for the amount you want to send, plus any transfer fees. This helps avoid any surprises during your transaction.

Fees and Limits

When you send money with MoneyGram, you need to know about the fees, exchange rates, and limits. These can affect how much your recipient gets, especially for international payments. Let’s break down what you should expect.

Transfer Fees

MoneyGram charges a transfer fee for every transaction. The fee depends on several things:

• Where you and your recipient are located
• How much money you send
• The payment method you use (debit card, Apple Pay, or cash)
• The service type and delivery speed
• How your recipient gets the money (cash pickup, bank deposit, or mobile wallet)

You can check the exact fee before you send money. MoneyGram shows you a clear fee breakdown on their website and app, so you can avoid surprises. If you want to save money on fees, try sending larger amounts less often or compare different payment methods.

Note: Some payment methods, like credit cards, may cost more because your bank could treat the payment as a cash advance.

Exchange Rates

When you send international transfers, MoneyGram uses its own exchange rate. This rate is not the same as the mid-market rate you see online. MoneyGram adds a margin to the exchange rate, which means your recipient may get less money than you expect. Even if the transfer fee looks low, the exchange rate can affect the total cost.

MoneyGram updates its exchange rates often. You can see the current rate in real time during your transaction, both online and in the app. Always check the rate before you finish your transfer.

Tip: Compare exchange rates from different providers to make sure your recipient gets the most from international payments.

Sending Limits

MoneyGram sets minimum and maximum limits for each transfer. The minimum amount you can send is $10 USD. The maximum limit depends on the country, payment method, and local rules. Some countries only allow a few hundred dollars per transfer, while others let you send several thousand.

• Limits can change based on your account type, how you pay, and where your recipient lives.
• If you need to send more than the standard limit, visit a MoneyGram agent in person or contact customer support. You may need to show extra documents or explain the purpose of your transfer.

Always check the sending limits for your country and payment method before you start your transfer.

After Money Transfers

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How Long It Takes

You probably want to know how fast your money transfers will reach your recipient. The timing depends on the method you choose and where your recipient lives. Here’s what you can expect:

• If you use MoneyGram’s “Money in Minutes” service, your recipient can get the money in about 10 minutes.
• Most transfers within the same country take a few hours.
• For international money transfers, it can take 1 to 3 business days.
• Some transfers offer same-day delivery, but you may need to pay extra fees.

A few things can slow down your transaction. These include the recipient’s location, local holidays, bank closures, or mistakes in the recipient’s details. Network problems or changes in exchange rates can also cause delays. If you want easy money transfers, double-check all information before you send.

Tip: Using express services and providing correct recipient details can help you get reliable money transfers.

Notify Recipient

After you send the money, let your recipient know right away. They will need two things to pick up cash:

• A valid photo ID that matches the name you entered
• The 8-digit reference number from your transaction receipt

If your recipient cannot pick up the money, check if the transfer is still processing or if they need to bring more identification. Sometimes, people forget to visit a MoneyGram location or do not have the right documents. Remind your recipient to bring everything needed for a smooth pickup.

Track Transfer

You can track your money transfers online or in the MoneyGram app. Here’s how you do it:

1. Go to the MoneyGram website or open the app.
2. Enter your reference number, your last name, your date of birth, and your recipient’s name.
3. You can also log in to your MoneyGram profile to see all your transfers in the Transaction History.
4. The app sends you updates and notifications about your transfer status.

If you notice a delay or problem, contact MoneyGram customer service. Have your reference number and details ready. Sometimes, an investigation may take time, especially for international transfers. Always check your details before sending to avoid issues.

You want your money transfer to go smoothly every time. Here are some top tips:

• Double-check your recipient’s name and details before sending.
• Keep your reference number safe for tracking.
• Prepare your ID and update your info if needed.
• Use the MoneyGram app for real-time tracking and easy access.
• Watch out for scams and never share your confirmation codes.

If you want to try a different service, check out these options:

Always review your info before sending. If you have questions, reach out to MoneyGram’s customer support by phone or email.

FAQ

How do I find a MoneyGram agent location near me?

You can use the MoneyGram website or app to search for agent locations. Just enter your city or ZIP code. The tool will show you the nearest options, including hours and services.

What should my recipient bring to pick up cash?

Your recipient needs a valid photo ID and the 8-digit reference number you provide. The name on the ID must match the details you entered. Some locations may also ask for proof of address.

Can I cancel a MoneyGram transfer after sending?

You can cancel a transfer if the recipient has not picked up the money. Log in to your MoneyGram account or contact customer support. Refunds usually take a few business days.

What are the payment options for sending money?

Credit cards are not accepted. Always check your payment method before starting your transfer.

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