How long do MoneyGram transfers take for cash pickup and for bank deposits in common routes?

Cash pickup is often available within minutes after payment and approval. Bank deposits can take from minutes to one business day, depending on destination banks, currency, and local cut‑off times. You’ll see an estimated delivery time before you confirm.

What fees and exchange rate markups should I expect when sending money with MoneyGram?

Fees vary by corridor, funding, and payout method. Card funding is usually faster but can cost more. Exchange rates include a markup over the mid‑market rate. The quote screen shows the exact fee, rate, and what your recipient will receive before you send.

Which payment methods can I use to fund a MoneyGram transfer in the app or online?

Common options include bank account, debit card, and credit card, while cash is accepted at agent locations. Availability depends on your country. Note that some card issuers treat transfers as cash advances and may charge additional fees or interest.

How does MoneyGram keep my transfers secure and what can I do to prevent fraud?

MoneyGram uses encryption, account monitoring, and identity checks to protect users. Enable biometric login, keep your reference number private, and only send to people you know. If you suspect fraud, contact support immediately to review cancellation options.

What identification do I need to verify my account and are there sending limits involved?

You’ll typically need a government ID and basic personal details. Verification can raise your sending limits. For larger amounts, additional documents may be required to meet regulatory rules. Complete checks early to avoid delays on time‑sensitive transfers.

MoneyGram

Name: MoneyGram
Brand: MoneyGram
Rating: 4.6 (14 reviews)

Private BankingBest Flight Ticket WebsitesBankingDomestic Money TransferPrepaid Card

MoneyGram is a global money transfer service offering fast cash pickup, bank deposits, and mobile wa…

About MoneyGram

MoneyGram at a glance MoneyGram is one of the most recognized names in global money transfers, connecting senders and recipients across more than 200 countries and territories. Whether you need to send money for family support, emergency help, tuition, or travel, MoneyGram gives you multiple ways to move funds: online, via the mobile app, or in person at an agent location. Recipients can pick up cash, receive a bank deposit, or get money in a mobile wallet, depending on the destination. For consumers in the United States and other major markets, MoneyGram blends digital convenience with a large physical footprint. That means you can initiate a transfer from your couch and your recipient can still pick up cash minutes later at a nearby agent. If you value speed, ubiquity, and a brand that’s been operating for decades, MoneyGram is worth considering. Who MoneyGram is best for MoneyGram suits senders who…

Highlights

Huge global cash pickup network
Fast transfers with card funding
Multiple payout options incl. mobile wallets
Transparent quotes before you send
Robust app with tracking and biometrics
Loyalty perks via Plus Rewards

Considerations

Fees and FX markup can be higher than fintechs
Credit card funding may incur cash advance fees
Occasional extra ID checks can delay transfers
Not the cheapest for large bank-to-bank transfers

Frequently asked questions

Current deals at MoneyGram

Active promotions and perks — informational only, terms apply on the operator's site.

New customers only

First online transfer $0 fee

Pay $0 transfer fee on your first online or in‑app transfer to select countries.

Valid for new MoneyGram online/app users. Exchange rate markup applies. Destination and payout restrictions may apply.

2x points this month

Plus Rewards double points

Earn double Plus Rewards points on qualifying transfers made via the app.

Enrollment in Plus Rewards required. Points have no cash value; see program rules for redemption and expiry.

Save up to 30%

Reduced fees to bank accounts

Lower transfer fees when sending directly to bank accounts in popular corridors.

Discount varies by route, funding, and payout. Limited‑time promotion; subject to change.

Player reviews from the web

4.6 · 14 reviews

Review source breakdown

Source	Reviews	Avg rating
Google	4	4.5
Trustpilot	3	4.8
App Store	3	4.7
Reddit	2	4.5
Community	2	4.8

"Sent money from New York to Manila using a debit card and my sister picked up cash at a partner store in 15 minutes. The app showed fees and rate clearly. Loved the tracking updates and the pickup reference number worked flawlessly."

"Used MoneyGram to top up a mobile wallet in Kenya. Funds arrived fast and the rate was competitive that day. ID verification took a few minutes but after that, repeat transfers were super quick. Notifications were helpful for peace of mind."

"Smooth experience sending to a bank in Mexico. The quote showed exactly what my mom would receive. Deposit landed the same afternoon. I like Face ID login and saved recipients. Fees are fair if you plan ahead and avoid credit card funding."

"Had to resend after a name typo; support helped cancel and reissue fast. Cash pickup in Lagos was ready in minutes once corrected. Exchange rate was decent, not the absolute best, but the speed and coverage made it worth it."

"Emergency transfer to India late night. Paid with my debit card and my dad collected cash first thing in the morning. The tracking page and SMS alerts reduced the stress a lot. Will use Plus Rewards to save on future sends."

"Good service overall. Verification step asked for additional docs on a larger amount, which delayed things a bit. After approval, the bank deposit to Seoul arrived the same day. Transparent fees and solid app experience."