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MoneyGram international money transfers

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Send fast money transfers to over 200 countries with MoneyGram.

  • Good for sending money almost anywhere in the world instantly and if your recipient doesn't have a bank account.
  • Be wary of high fees and poor exchange rates.


Min. Transfer Amount

AUD 13,750

Max. Transfer Amount

Within an hour

Transfer Speed


Product NameMoneyGram International Money Transfers
Min. Transfer AmountAUD 1
Max. Transfer AmountAUD 13,750
Transfer MethodsOnline, Agent, Cash Transfer
Transfer OptionsOne off payments
Transfer Speed
Minimum transfer time
Within an hour
Customer ServicePhone, Email, Branch
Online Transfer FeeAUD 2.99
Exchange Rate UpdatesReal time

MoneyGram's coronavirus response

MoneyGram is encouraging customers to take business online when possible. According to the MoneyGram website, customers should:
  • "Take advantage of our online and in-app services to limit unnecessary travel
  • Check with local agents for store hours, restrictions, and closures if you need to send money using cash"

Visit our step-by-step section of this guide to learn what information you need to send money online through MoneyGram.

Why should I consider MoneyGram?

  • Wide reach. MoneyGram has approximately 350,000 agent locations in more than 200 countries and territories.
  • Diverse transfer options. Customers can send money both online and in-person. You can pay using credit and debit cards, bank transfers and cash. Be sure to select the payment option that best balances your desired transfer speed with the associated fees.
  • Country and currency support. MoneyGram transfers can be sent to over 200 countries in almost 50 currencies. Some destinations support multiple currencies, which may help you save money on the exchange rate by sending through the more popular currency.
  • Speed. With same-day delivery available at many locations (subject to the holiday hours and compliance with regulatory requirements), your recipient could have their money in as little as 10 minutes during normal business hours when picking up cash. When speed is important, cash pickup is typically your fastest option with MoneyGram.
  • Delivery options. You can send money for pick up in different ways, including cash pickup, to a mobile wallet and to a bank account.
  • Rewards. You can sign up to MoneyGram Plus Rewards, which gives you discounts on fees every few transfers you send.

What to be aware of with MoneyGram

  • Low maximum limits. When sending online with MoneyGram, your transfer is limited to $13,750 per transaction to most countries. There is also a $13,750 per month limit. When you need to send more you can do so in-person from a MoneyGram agent location.
  • High fees. As with most money transfer services, MoneyGram's international and domestic transfers incur a fee. Fees are often higher when paying with a credit or debit card and lower when sending from bank account to bank account.
  • No hedging options. MoneyGram doesn't offer recurring transfers, scheduled transfers or any other hedging tools to help you save money. Hedging tools can help you save money when used appropriately to lock in an exchange rate for future transfers.
  • Inconsistent exchange rates. MoneyGram's exchange rates vary depending on how you are paying for your transaction and how it will be received. Pay close attention to the exchange rate to make sure you're getting the best deal.

MoneyGram's exchange rates and fees explained

MoneyGram's fees may vary between online and agent locations, but for online transfers the cost depends on:

  • Location. Fees depend on what country you're sending from and where you're sending to.
  • Amount. MoneyGram uses a tiered system for fees, based on the amount you are sending. For example, $1 - $50, $51 - $1,000 and then shifting for amounts over $1,001. Be sure to test a few different amounts for your transfer, as sending two smaller transfers may be cheaper than one large transfer.
  • Payment. Paying by bank is often the cheapest option, while paying by credit card will mean highest fees. Pay close attention to the exchange rate when paying with different methods, as the exchange rate you're offered may change based on how you're paying.
  • Receiving method. If your recipient wants cash the fees are generally higher, while receiving money to a bank account is less expensive.

Calculate how much your transfer with MoneyGram could cost

Choose your currency and desired transfer amount (maximum $10,000). Exchange rates change frequently, so visit MoneyGram's site to get a final quote.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 Within an hour AUD 2.99 0.696 USD
MoneyGram sends to bank accounts, mobile wallets and cash pick-up locations around the world. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How long does a MoneyGram money transfer take?

Transfer speed will depend on the amount of fees you are comfortable paying and how quickly you need it to arrive.

  • Fastest option — as little as 10 minutes

    Pay for your transfer with a credit or debit card. When using a card, you'll pay a higher fee but your money will arrive in as little as 10 minutes. However, your credit card may charge a cash advance fee, further increasing the cost of your total transfer.

  • Cheapest option — up to 5 business days

    Using a bank account to pay for your transfer is typically the cheapest way to send money, but is also almost always the slowest. For your first transfer through MoneyGram, you may have to verify your account, which can take four or more business days. After verification, your actual transfer may take an additional five business days.

How does MoneyGram keep my money safe?

After multiple legal cases, one in 2012 and another in 2016, MoneyGram has increased its fraud prevention protocols to keep customers safer. It does this by monitoring transactions, educating customers on the dangers of money transfer fraud and providing numerous resources to customers to report potential fraud.

Common consumer scams, according to MoneyGram, include:

  • Tax Extortion Scam. A person claiming to be from a government agency asks for money to cover back tax debts owed. To do so, the person claims you must send money or send a prepaid card to a "government account."
  • Refund scams. A person claims to be working for a consumer protection agency and promises to help you get a refund from the agency, sent directly to your bank account.
  • Disaster relief. After a major disaster, scammers set up fake charities and ask for donations through wire transfers.
  • Foreign lottery. A person contacts you claiming you won a foreign lottery or sweepstakes, but due to international tax laws requires you to pay a fee upfront to claim your price.
  • Buying a vehicle. An online or newspaper ad for a vehicle seems too good to be true, and to secure the vehicle you must send a down payment before meeting with the person. Typically they ask you to wire money, which after being sent cannot be retrieved.

Fraud can be reported through MoneyGram's website.
More on money transfer scams and how to avoid them

What MoneyGram's reviews look like

Reviews accurate as of February 6, 2020.

Trustpilot score1.2 out of 5, based on 540 customer reviews
Monito4 out of 10, staff reviewed

MoneyGram is a massive global company that has been in business since 1940. A lot of complaints online are about fees and exchange rates, often remarking on how the exchange rate was different from what was originally presented. Because of this it is crucial that you always review the transfer before clicking Send.

What are all the ways I can send money with MoneyGram?

MoneyGram offers one of the widest ranges of ways to send money and ways for your receiver to get it. We'll go through each of them and what the steps look like.

Options for setting up a transfer

Online via MoneyGram's website

MoneyGram allows you to send money online to destinations around the world. To do so, you'll need to:

  1. Register for an account, or login if you already have one
  2. Select a receiving bank or MoneyGram agent location
  3. Choose how you want to pay

You can also set up the money transfer online, but pay with cash in-store. Make sure to bring valid ID and enough money to cover the transfer if you choose this option.

Another online option is using Facebook. Find the MoneyGram Sendbot on Facebook then follow prompts provided by the bot. You'll need a Facebook account to send money this way.

In-person at a MoneyGram location

Agent locations are in almost every country in the world, so to take advantage of this network you'll need to:

  1. Head to MoneyGram's website, where you can type in your location and all locations will appear.
  2. Bring necessary documents: valid ID, receiver's information, and the money you plan on sending.
  3. Pay for your transfer with the agent and collect your receipt.

You'll often be able to send a MoneyGram from a local convenience store, but it's always best to verify with MoneyGram's Find a Location tool before you head there.

Options for your receiver to get the money

  • Send to a bank account. Although slower, this lets your receiver get the money directly in their account.
  • Organise for it to be picked up in cash at a MoneyGram location. The money is ready at the location in as little as 10 minutes after you've sent it, dependant on the opening hours of the pickup location you've selected.
  • Send to a mobile wallet. A mobile wallet is a place to store funds digitally, with actual wallet types varying by country and user preference. Read our starter guide on mobile wallets as a launching point for further research.
  • Delivered right to their door. In some locations, you can choose home delivery as a receiving method. Your money will be delivered by a local MoneyGram agent.
  • Pay bills through MoneyGram. MoneyGram supports bill payment to utility companies, credit cards and more. Use the online bill pay search to find out if the company you want to pay is supported by the MoneyGram network.

What do I need to send money online through MoneyGram?

Sending money with MoneyGram will require a few documents and pieces of information, including:

  • Contact information. Your full name and contact information is needed. Additionally, if you're transferring money from your bank account, you'll also need your banking information.
  • Proof of ID. A government-issued ID, such as a driver's license or passport.
  • Recipient information. Be prepared with your recipient's name and contact information. If you're transferring to a bank account, you'll also need their bank name, SWIFT code and account number.
  • Payment method. A valid method of payment is necessary for all transfers. Online transfers can be paid for through a bank account, credit card or debit card. In person transfers you can also pay with cash.

How to track a MoneyGram transfer

Find your authorization or reference number on your receipt or in your email, if you placed an order online. To track, you can:

  • Use the online Track a Transfer tool by entering your last name with the authorization or reference number.
  • Contact customer service and provide the authorization or reference number to them, along with your last name, to check the status of your order.
  • Visit a MoneyGram location and provide your information to the agent to find out where your order is and if it has been picked up or not.

Does MoneyGram have a mobile app?

Screenshot of MoneyGram's app

Yes, MoneyGram has an app on both Google Play and the App Store. The app makes it possible to:

  • Scan your card. Use your phone's camera to quickly scan your credit card, debit card and photo ID.
  • Log in using biometrics. Both face and fingerprint recognition can be used to log in.
  • Check exchange rates on the go. Current currency exchange rates and fees can be found in the app.
  • Share order details with your contacts. Sending key order information, like the tracking PIN number, to your recipient can be done with just a few taps.
  • Find an agent location using GPS. Use the in-app map to find agent locations based on your GPS or around the world.
Reviews accurate as of February 6, 2020
Google Play Store4.6 out of 5, based on 18,897 customer reviews
Apple App Store4.8 out of 5, based on 57,308 customer reviews

More on the best money transfer apps

Bottom line

When you need a money transfer sent fast, or to a remote destination, MoneyGram may be the choice for you. However, it is always a great idea to compare your options before making any transfer, as you never know how much fees and exchange rates may have recently changed. Even if MoneyGram was the best deal in the past, you may find that a competitor is now offering better rates to save you money.

Frequently asked questions

How can I see my transaction history?

When you log in to your account, any recent transactions you have completed will be displayed on your homepage and you'll also see a link that lets you view all. If you haven't made any transfers recently you will have to click on My Account and then Transaction History to view the relevant details.

What are the perks of the MoneyGram Plus Rewards program?

When we checked, MoneyGram was offering the following rewards:

  • Welcome Gift. Joining the program earned you 20% off your second money transfer.
  • Ongoing Rewards. A 40% coupon is available after every fifth money transfer.
  • Premier Status. After completing your fifth transfer you are upgraded to Premier Status and earn additional rewards which are occasionally sent to you through email.

Note: Rewards may change without notice.

Why is MoneyGram reviewing my transfer?

MoneyGram reviews all money transfers for compliance with know-your-customer (KYC) and anti–money laundering (AML) industry protocols, which involve knowing the identity of its customers, their financial activities and any risks they pose to MoneyGram's business. MoneyGram typically reviews transfers within a day or less, and will contact you directly if there are any problems with your transfer.

Can I cancel a money transfer?

Yes, if it hasn't yet been picked up by your recipient. To cancel a transfer, log in to your account and view your transaction history. There is an option to cancel specific transfers on the Transaction Details page.

In a nutshell

  • Instant transfers available. MoneyGram can let you send money to most places in the world in just a few minutes.
  • Able to pay with cash or card. You can pay by cash or card in person at a branch and you won't need to sign up for an account or wait for verification like you would with other online services.
  • Variety of delivery options. You can send money to your recipient's bank account, mobile wallet or door, or to a cash pick-up location.
  • Currency and country range. MoneyGram agents can be found all over the world – it has one of the widest reaches.
  • Low maximums. MoneyGram generally isn't suitable for larger transfers.
  • Expensive. MoneyGram will generally have higher fees and poorer rates than other money transfer services.

How does MoneyGram compare to other services?

Check out the table below to see what your transfer could look like with other online money transfer services.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 2,000 1 day AUD 0.00 0.714 USD
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.714 USD
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.714 USD
Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
Go to site Show details
AUD 250 1 - 2 days AUD 0.00 0.714 USD
$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.
Go to site Show details
GBP 3,000 1 day AUD 0.00 0.714 USD
Global Reach will match any competitor's exchange rates. Conditions apply.
Get no fees for both business and personal transfers when you send your money overseas with Global Reach.
Go to site Show details
AUD 1 1 day AUD 52.00 0.717 USD
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
Go to site Show details
AUD 0 Same day AUD 2.99 0.709 USD
Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
AUD 1 Same day AUD 0.00 0.714 USD
Get fast transfers with no fees and a range of foreign currency tools. Go to site Show details
AUD 200 1 - 2 days AUD 50.00 0.716 USD
Exclusive: Use code FINDER10 to receive US$10 off your first transaction.
Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies.
Go to site Show details
AUD 5 1 - 2 days EUR 3.00 0.71 USD
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
AUD 1 Same day AUD 3.99 0.709 USD
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Back to top

International Money Transfer Offers

Important Information*
Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.

Logo for SendFX International Money Transfers
SendFX International Money Transfers

SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.

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  1. Default Gravatar
    May 11, 2018

    Can I send money from the USA bank without using moneygram agent to Moneygram branch in Taiwan for cash pickup? What are the requirements?

    • Avatarfinder Customer Care
      May 11, 2018

      Hi Nawa,

      Thank you for getting in touch with finder.

      Sending money overseas with MoneyGram is simple. All you need to do is log in to your account on MoneyGram’s official website and specify the amount you’re transferring, and then accept the quote. You can either pay with your credit or debit card, or directly from your bank account-doesn’t matter if that’s a US bank account or from Australia.

      Make sure that your receiver have the reference number – his number is on the receipt and included in confirmation emails for online transfer, and I.D. with him for pick-up – bring a valid photo I.D. (passport, national I.D. or residence permit) and may also be asked to provide proof of your address (bank statement or utility bill).

      I hope this helps.

      Have a great day!


  2. Default Gravatar
    January 4, 2018

    I am Donald, my wife is in Aus and am here in Nigeria, can she send me $10,000 at money gram shop in a day?

    • Avatarfinder Customer Care
      January 4, 2018

      Hi Donnie,

      Thanks for your inquiry. Please note that we are not affiliated with Moneygram or any company we feature on our site and so we can only offer you general advice.

      Yes, she can transfer $10,000 AUD to Nigeria in a day with MoneyGram money transfer.

      MoneyGram has a minimum transfer amount of $250, meaning it can’t be used for small transfers, and has a large maximum of $100,000.

      MoneyGram charges a flat transfer fee. If you’re transferring under AUD$10,000, you’ll be charged a flat fee of AUD$15 per transfer.

      Best regards,

  3. Default Gravatar
    September 29, 2016

    Can I send $2000 to Indonesia?

    • Avatarfinder Customer Care
      September 29, 2016

      Hi Hughes,

      Thanks for your question.

      Yes, you can. To start the process, please register for a free account first with MoneyGram on their website. The registration will require you to enter a few details about yourself, including whether you’ll be making bank account to bank account transfers or cash transfers.


  4. Default Gravatar
    August 12, 2016

    Can I cancel a MoneyGram? If so, how?

    • Avatarfinder Customer Care
      August 12, 2016

      Hi Genevieve,

      Thanks for your question.

      You generally can’t cancel your Moneygram transfer unless you suspect fraud.

      To cancel your Moneygram transaction, please call 1800 049 087.

  5. Default Gravatar
    August 4, 2016

    my auntie from Houston sent me money but the email she used were she had to get the confirmation code is block,she had done the all process.want can she do?I have received the money because I haven’t got the reference number.

    • Avatarfinder Customer Care
      August 5, 2016

      Hi Kigozi,

      Thanks for your question.

      Please contact MoneyGram directly about this enquiry, they should be able to track the transfer for you using other means, like your Auntie’s full name / driver’s licence.

  6. Default Gravatar
    June 30, 2016

    Can I send $9000 in a day to United Kingdom from New York City at once?

    • Avatarfinder Customer Care
      July 1, 2016

      Hi Smith,

      Thanks for you question. Just to confirm, you’ve come through to – we are an Australian comparison website providing general advice.

      This page relates to Moneygram Australia, however Moneygram is a global service so you would be able to transfer money from New York to United Kingdom. In Australia the minimum transfer amount is $250 and the maximum amount is $100,000. If you’re sending money from the U.S to the U.K, it is best to check with Moneygram U.S to find out what the minimum or maximum transfer amounts are.

      Hope this helps.


  7. Default Gravatar
    June 23, 2016

    How much money can your receive from money gram from new York to south Carolina in a day

    • Avatarfinder Customer Care
      June 23, 2016

      Hi Tashia,

      Thanks for your comment.

      The maximum amount you can send is 10,000.00 USD.


  8. Default Gravatar
    June 14, 2016

    To send $250 aud to nigeria what is the transfer fee

    • Avatarfinder Customer Care
      June 16, 2016

      Hi Steveo,

      Thanks for your question.

      MoneyGram charges a flat transfer fee. If you’re transferring under AUD$10,000, you’ll be charged a flat fee of AUD$15 per transfer. Otherwise, you may want to consider taking up the ‘bundle’ feature which lets you making regular transfers at a reduced price. The table on this page shows the cost of different bundle packages.

      Hope this helps.


  9. Default Gravatar
    June 7, 2016

    im in australia my husband his in amsterdam he want me to send much money he can send in just one day?

    • Avatarfinder Customer Care
      June 8, 2016

      Hi Kaoru,

      Thanks for your question.

      The maximum amount you can send through MoneyGram Money Transfer is $100,000 AUD or equivalent.

  10. Default Gravatar
    May 29, 2016

    I need to send 3000$ to my brother in florida. Can i send it all at once

    • Avatarfinder Customer Care
      May 30, 2016

      Hi Tamara,

      Thanks for your question.

      Yes you can send it all at once using MoneyGram.

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