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MoneyGram
MoneyGram provides paid international money transfers. Its Android, iPhone and web services display fees and exchange rates before you confirm a transfer. Recipients can receive money in bank accounts, mobile wallets, debit cards or cash. Fees, limits and availability depend on the countries,…
- —price, as published
- Oct 8, 2026read on
What MoneyGram costs
The provider publishes no plan we could read.
Its statement
- Exchange rate
- A markup on the rateas stated, Oct 8, 2026
- Fee shown before you pay
- Yes
- How fast it lands
- MoneyGram says transfers can be sent in minutes, though…
- Free plan
- No
- Free trial
- No
- Runs on
- iPhone Android Web
- Facts on record
- 32
Rate with a markupFee shown before you pay
Strengths and limits
Strengths
- Reach extends beyond 200 countries and territories
- The quote includes the transfer fee and exchange rate before you approve it
- Live status updates and stored recipient information
- Delivery can use a bank account, wallet, debit card or cash pickup
Limits
- There is no free plan or free trial
- Pricing and limits depend on the transaction and country
- The exchange rate contains a markup
- Google Pay does not work in the mobile app
- Standard ACH may take three business days to clear
What MoneyGram does
Through its phone service, MoneyGram sends funds to more than 200 countries and territories and provides real-time transfer updates. It is aimed at families sending money to people across borders.
Recipient information can be stored for later transfers.
Fees and plans
Downloading the app costs nothing, but MoneyGram offers neither a free plan nor a free trial. Transfers use a paid pricing model.
The amount, destination, payment method, delivery method and pickup location all affect the transfer fee and exchange rate. The app displays the exact quote, including its markup-based exchange rate, before confirmation.
A Standard ACH option labeled 3-Day generally needs three business days for clearing. MoneyGram dispatches the transfer once the bank confirms payment. Limits imposed by a bank or card can further restrict a transfer.
Where it runs
MoneyGram provides Android and iPhone apps alongside its website. Visa and Mastercard credit or debit cards and Apple Pay on iPhone are supported in the app; other payment choices may depend on the country.
The mobile app does not include Google Pay. MoneyGram says users can securely link a new bank account through Plaid for online bank-account payments.
Protection, as MoneyGram states it
According to MoneyGram, the app has bank-level security and real-time monitoring. Those are the provider's descriptions, not an independent assessment.
MoneyGram says it is licensed as a money transmitter by the New York State Department of Financial Services, lists money-transmitter licensing in New York and Georgia, holds Massachusetts check-seller and foreign-transmittal licenses, is registered with NMLS, and is registered as a Money Services Business with FinCEN.
Its Help Center provides app and web questions and answers and links for contacting support.
Strengths
Transfers can reach over 200 countries and territories, with live tracking and an upfront fee and exchange-rate quote.
Delivery can go to a bank account, mobile wallet, debit card or cash-pickup location, while stored recipient details support repeat transfers.
Catches and limits
Although MoneyGram services cover more than 200 countries and territories, the app itself is unavailable in some countries or territories. Transfer limits vary with payment method, sending and receiving countries and receive method; the sender's bank or card limits can add restrictions.
Fees and exchange rates change with the transfer details, and the rate includes a markup. Standard ACH payments can require roughly three business days to clear instead of arriving instantly.
Available payment methods depend on the country, and the mobile app does not support Google Pay.
Who may want another service
People who need a free plan or Google Pay in the mobile app may not find those terms here.
Anyone whose country, payment method or receive method is unsupported should look at another provider, such as money transfer apps.
Verdict
MoneyGram suits users sending money internationally through a phone or browser who want multiple delivery choices, transfer tracking and an upfront quote. Its reach is broad, but access, limits, fees and exchange rates depend on the transaction details and country.
It is less suited to people seeking a no-cost tier, a stable rate card or Google Pay inside the app. ACH-funded transfers also have a stated clearing period, so timing depends on the payment route.
Who it suits
Pick it if
- Families sending money across borders
- People wanting several recipient delivery methods
- Users who need transfer tracking
Skip it if
- You need a free tier or fixed published pricing
- You require Google Pay in the mobile app
- Your country or payment route is unsupported
Facts we read
- App costThe MoneyGram Money Transfers app is free to download. · moneygram.com, Oct 8, 2026
- AvailabilityThe app is not available in every country or territory, although MoneyGram services are available in 200+ countries and territories. · moneygram.com, Oct 8, 2026
- Bank linkingMoneyGram says users can securely connect a new bank account through Plaid for online bank account payments. · moneygram.com, Oct 8, 2026
- Bank transfer timingThe 3-Day Standard ACH payment typically takes three business days to clear, and the transfer is sent once the bank confirms payment. · moneygram.com, Oct 8, 2026
- Company historyMoneyGram says it was founded as Travelers Express Company, Inc. in Minneapolis in 1940 and relocated its global headquarters to Dallas, Texas, in 2010. · corporate.moneygram.com, Oct 8, 2026
- ComplianceMoneyGram says it is licensed as a money transmitter by the New York State Department of Financial Services and registered as a Money Services Business with FinCEN. · moneygram.com, Oct 8, 2026
- Exchange-rate modelmarkup · moneygram.com, Sep 20, 2026
- Upfront fee displayYes · moneygram.com, Sep 20, 2026
- Founded1940 · moneygram.com, Sep 28, 2026
- Free planNo · moneygram.com, Sep 20, 2026
- Google PayGoogle Pay is not available within the MoneyGram mobile app, according to its FAQ. · moneygram.com, Oct 8, 2026
- HeadquartersDallas, Texas, United States · moneygram.com, Sep 28, 2026
- Intended usersMoneyGram describes the app as a way for families to send money to loved ones across borders. · moneygram.com, Oct 8, 2026
- Mobile platformsboth · moneygram.com, Sep 20, 2026
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Questions
Does downloading the MoneyGram app cost anything?
The MoneyGram Money Transfers app can be downloaded for free, but there is no free plan or trial and transfers are paid.
What determines a MoneyGram transfer's price?
Amount, destination, payment method, delivery method and pickup location affect the fee. The app presents the exact fee and exchange rate before confirmation.
Where can MoneyGram transfers be received?
MoneyGram says its services extend to over 200 countries and territories, though the app is unavailable in some countries and territories.
What payment methods are available in the app?
Visa and Mastercard credit or debit cards and Apple Pay on iPhone are listed. Other choices, including bank payments, may depend on the country.
Can a recipient receive money in cash or a wallet?
Yes. Listed recipient choices include bank account, mobile wallet, debit card and cash pickup.
What timing should I expect for a transfer?
MoneyGram offers instant transfers, while its 3-Day Standard ACH option generally takes three business days to clear before sending.
Can I pay with Google Pay in MoneyGram's app?
No. MoneyGram's FAQ says Google Pay is unavailable within the mobile app.
Can I follow a transfer and reuse recipient information?
The app offers real-time transfer tracking and can store recipient details for repeat transfers.
Is MoneyGram yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.