MoneyGram Reviews

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About MoneyGram

MoneyGram provides online and in-person money transfers, money orders and bill payments. Customers can send money domestically or internationally and choose from nearly 50 different currencies.

Pros
  • Large global availability
  • Flexible payout options
  • Fraud education resources
Cons
  • Exchange rates can be poor
  • Fees can vary

Helpful Reviews

Portland, OR
Verified purchase
My experience with MoneyGram has been extremely frustrating. What should have been a quick and reliable money transfer turned into a stressful and time consuming process. The bigg...

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Chula Vista, CA
Verified purchase
The App is easy to use, the fees are clearly indicated based on the amount you wish to send and one gives the option to send money using your bank account or debit/credit card… I...

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What is MoneyGram?

MoneyGram is one of the world’s largest money transfer providers. The company has decades of experience and a trustworthy reputation. MoneyGram has made it a goal to educate its customers on fraud and take whatever precautions it can to avoid having customers transfer money to scammers.

How does MoneyGram work?

MoneyGram lets customers send money either online or in-person. To send money online, you must first create an account. From there, select either a bank or MoneyGram agent location and choose how you want to pay.

It's also possible to set up an online transfer and later pay in-store with cash by showing a government identification. For in-person service, you can go to your closest agent location with a government ID, the receiver’s information and the money you’re sending.

If you're receiving money, the sender can transfer it to a bank account, a mobile wallet or an agent location for pickup. If the money is going to a bank account or mobile wallet, there's nothing you have to do — the funds arrive in your account once the transfer is processed.

For an in-person pickup, you need the transfer reference number and a valid government ID. You may need to fill out a receive form, but it's not always required. Money sent to a MoneyGram location will be ready in minutes, but bank account transfers take longer.

MoneyGram fees

MoneyGram aims to match its competitors' rates as closely as possible. Fees vary based on several factors, including the money's destination and the type of transfer you choose. The website offers a fee estimator for a more precise idea of the costs. Exchange rates are updated in real time, but customers have noted in reviews that these rates aren’t always as good as what some competitors offer.

MoneyGram FAQ

Where can I cash a MoneyGram money order?

There are a couple of ways to handle a money order from MoneyGram. It can be deposited into your bank account or cashed at many check-cashing businesses.

Can you receive MoneyGram online?

You can receive MoneyGram online if it's sent directly to a bank account or a mobile wallet. If this is the case, the money should be available online without you having to do anything.

Why does MoneyGram hold money?

MoneyGram doesn’t specify much when it comes to its policies on holding money. With most money transfer companies, holds depend on authorization, the amount sent, the destination and identification requirements.

How do I open a MoneyGram account?

Opening a MoneyGram account is a simple process. Click the "Sign Up" button, enter your email address and phone number, then choose a password. You'll then have to enter your legal name, your birth date and address. Finally, click the "Create Profile" button.

How do I get a refund from MoneyGram?

If you cancel your money order within 30 minutes of sending it, MoneyGram refunds the full amount. After that, you can still get a partial refund for up to 180 days, excluding fees.

Is MoneyGram better than Western Union?

Western Union has more locations than MoneyGram and is sometimes more competitively priced. The best thing to do is to compare rates to find which service offers a better value.

Still have questions?

Is MoneyGram safe?

You should always treat money requests from unknown parties with extreme caution and never wire money to someone you don’t know. If you’re sending money to a friend or family member, however, MoneyGram is a safe option. As one of the world’s largest wire transfer sites, MoneyGram has plenty of experience and is a viable option for consumers who want to transfer funds.

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MoneyGram Reviews

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    Page 1 Reviews 0 - 20
    Verified purchase
    Sales & MarketingTimeliness

    Reviewed June 26, 2026

    Very dissatisfied, I don't recommend anyone use this scam. I sent money to my mother, and when she went to withdraw it, they told her the money had already been taken out on the same day, which is impossible since it was at the same time I made the transfer. Don't trust sending your money through this app.

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    Sales & MarketingRatesHonesty & Transparency

    Reviewed June 3, 2026

    Today, MoneyGram advertised a rate of exchange C$100 =US$72.72 and fee $15, but, as soon as II started the process a lower rate C$100=US$ 71.0 and a higher fee $36.00 shown up. i.e. lower rate of exchange than advertised and higher fee than shown on its web. In short, MoneyGram will be stealing from me $81.00 to transfer US$ 2000.0 to USA, if I use its services. All MoneyGram advertisement are lies to attract the customers, then, you face the truth as soon as you decide to use their service.

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      Sales & Marketing

      Reviewed May 27, 2026

      Predatory bait and switch practices. With lots of apologies if you catch them, stay away if you don't, you're gonna be sorry, they have no real service or product to sell you, but apologies for stealing.

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      Customer ServicePunctuality & Speed

      Reviewed May 25, 2026

      One of my family members had medical emergency and I sent them money using MoneyGram but instead of the money delivered in minutes, it's been 10 days and they still did not receive the money yet. I filed a complaint with them online and they did not do anything about my complaint, so I call the customer service and someone only to find out that the online complaint was never filed out, so I had to file another complaint and was told by their customer service that we will resolve the issue very quick. I called back after 3 hours only to find out that from their customer service that will take at least 10 days for my problem to be resolved. Now I am stuck here hopeless. Please avoid this company if you can and find and other source that is more reliable. I called.

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      Staff

      Reviewed May 18, 2026

      Horrible. Just ** horrible. If you don't want to hire CSRs then maybe you shouldn't be in business. Newsflash guys.... There are some ** things that can NOT be done solely on your 🏧 system. Sometimes a customer NEEDS to talk to a CSR. If you can get money orders somewhere else then do it because if you have any trouble or problem with a money order from MoneyGram you're basically screwed because they do not care enough to have a way for you to talk to a live person to find a solution. Grade - D-.

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      Customer ServicePriceStaffRatesTransparency

      Reviewed May 1, 2026

      My experience with MoneyGram has been disappointing from start to finish. For a service that’s supposed to make sending money easy, it felt unnecessarily complicated and unreliable. Transfers often take longer than promised, even when everything is submitted correctly. In some cases, my transaction was delayed without any clear explanation, which is frustrating—especially when the money is time-sensitive. Tracking updates are also inconsistent, leaving you unsure about the status of your transfer. The fees are another major drawback. Between transfer charges and poor exchange rates, the total cost ends up being much higher than expected. It doesn’t feel transparent, and you only fully realize the cost after completing the transaction.

      Customer support is not helpful either. Getting in touch with someone takes time, and when you do, the responses are often vague and don’t resolve the issue. When dealing with financial services, you expect reliability and clarity, but that’s not what I experienced here. Overall, I wouldn’t recommend MoneyGram unless you have no other option. There are better services available that are faster, more transparent, and more dependable.

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      Customer Service

      Reviewed April 28, 2026

      Unexplained delay in delivery and very bad customer service, with 0 answers to my questions.

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      Customer ServicePricePunctuality & SpeedStaffRatesTransparencyCommunication

      Reviewed April 19, 2026

      My experience with MoneyGram has been extremely frustrating. What should have been a quick and reliable money transfer turned into a stressful and time consuming process. The biggest issue was the delay. The transfer was supposed to be completed within a short time, but it ended up taking much longer without any clear reason. There was no proper communication or updates, and I had to keep checking the status myself. Customer support was not helpful at all. It was difficult to get a clear answer, and most responses felt generic and uninformative. Instead of resolving the issue, I was simply told to wait, which was very frustrating considering the urgency of the transfer.

      Another major concern is the lack of transparency in fees and exchange rates. The charges ended up being higher than expected, and it was not clearly explained beforehand. This makes it hard to trust the service, especially when dealing with important financial transactions. Overall, the experience was unreliable and stressful. Between the delays, poor communication, and lack of support, I would not recommend using MoneyGram unless you have no other option.

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      Sales & MarketingRefunds & Payouts

      Reviewed April 17, 2026

      They are the very worst way to send money. You are better off sending cash in a card. Any refunds are hopeless. I am going to go on every site I can and warn customers about this scam! I would not recommend to my enemies.

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      Customer ServiceTransparency

      Reviewed March 14, 2026

      I was trying to send money to my cousin, mind you she's received money from me before. Then all of a sudden when I try to log in I can't. I try to do forgot password, then it asked how I would like to receive the code, text or email. The last 4 numbers of that phone weren't mine so I choose email. I NEVER received a code and I get to chatting with them. They tell my they've closed my account. I asked if they had an explanation as to why there is a different phone number listed, they wouldn't give me one. I ask them to allow me to log in to delete my bank account again they said no, my account has been closed.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Feb. 24, 2026

      To Whom It May Concern, Transaction Reference Number **. I am writing to formally request immediate assistance regarding a MoneyGram transfer I initiated on January 28, 2026, at 2:48 PM EST to SC for deposit into the recipient’s mobile wallet. Immediately after completing the transaction, I contacted the intended recipient to confirm receipt of the funds. I was informed that the funds were not reflected in their mobile wallet. I then contacted MoneyGram customer service and was advised to allow 24–48 hours for processing.

      After three days had passed, I followed up again and was informed that the transaction had been marked as complete and that no further assistance could be provided. Seeking clarification, I contacted Orange SL, the receiving company, and was informed that the funds had been deposited into the wrong account **. I was advised to contact the sender to request further action. Since that time, I have spoken with multiple MoneyGram representatives; however, I have not received any meaningful assistance or resolution. On February 12, 2026, I was provided with a MoneyGram case number **, but to date, I have not received any follow-up communication regarding this matter.

      Orange SL has been cooperative and willing to assist in resolving this issue. At this point, I am formally requesting that MoneyGram provide the necessary authorization and consent to Orange SL to reverse the funds and return them to me as soon as possible. This matter has caused significant inconvenience and concern, and I respectfully request prompt investigation and resolution. Please provide written confirmation of the actions being taken to correct this error. Thank you for your immediate attention to this matter. I look forward to your timely response.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Feb. 3, 2026

      Absolutely rude staff, blames me for them allowing identity fraud on their site. They allowed someone to open an account with my information and are doing nothing to protect my identity or privacy in the aftermath. They basically told me to kick rocks and it's my fault my information was stolen. Incredibly disrespectful and cannot understand why they're allowing fraud on their site so openly and declining my request to delete a clear case of identity theft.

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      Customer Service

      Reviewed Jan. 15, 2026

      Be very cautious with MoneyGram if what you are transferring that is all you have concerning large amount. It is full of issues when it comes to large sum transfer: they hold my money, first give me ten days for investigation, then another 21 days for investigation letting me struggle. I have transferred a large sum for family surgery urgencies. As the receiver went to the bank to check on the bank account deposit four others had the same issues. Bank says call MoneyGram and MoneyGram says, "Your transfers are received by the bank and deposited on the receiver’s account." How more frustrating could that be when I have the bank monthly statement in my hands.

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      PriceHonesty & Transparency

      Reviewed Dec. 19, 2025

      MoneyGram is the worst possible choice of a service one could choose. They lie about keeping your info safe, but yet shut down accounts “for your protection “ without any actual reason. DO NOT TRUST THIS COMPANY WITH YOUR INFO OR MONEY! They likely sell your info to scammers and telemarketers. I know this from personal experience so take my mistake, which was not a cheap lesson but rather a blessing for all of you!

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      Customer ServiceRates

      Reviewed Dec. 8, 2025

      I recently used MoneyGram to send usd 1,000 and was shocked to lose approximately €50 due to their exchange rate. I strongly recommend against using this company. The rate they offered was significantly worse than the official interbank or market rate, and I found their internal course to be completely disconnected from reality. This discrepancy is how MoneyGram makes extra profit; they essentially create their own unfavorable currency exchange rate, resulting in substantial, hidden losses for the sender. The regular currency 1 USD 17.10 leu per 1 USD. But moneygram change my USD to leu in 16.33.

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      Verified purchase
      TransparencyHonesty & Transparency

      Reviewed Dec. 2, 2025

      Very disappointing MoneyGram experience. I sent money and MoneyGram estimated the receive amount would be 32,125, but the receiver only got 24,925. I was told that local taxes or regulations might apply, but this large difference was never clearly communicated before sending. The lack of transparency made me feel misled and frustrated. Be careful when sending money — the final amount can be drastically less than what is shown. I don't recommend this company to anyone.

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      Refunds & PayoutsStaff

      Reviewed Nov. 27, 2025

      Worst worst service, no customer care, funds stuck. Trying to refund. Worst services by MoneyGram. Never ever suggest anyone to use it. Requested them several times to refund my money but they didn't.

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      Reviewed Nov. 26, 2025

      This company failed to return funds that they lost and has ignored clear evidence I provided. As a result, I am now facing eviction and managing a chemical eye exposure with no access to the money that belongs to me. This level of negligence and lack of accountability has caused significant harm. I am documenting this for record and future action.

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      Customer ServiceTechPrice

      Reviewed Oct. 30, 2025

      Absolutely terrible. I tried to do a transfer from my bank card to a walmart. The first time my bank fraud unit blocked it. So I called my bank and cleared it up. Then I tried another transfer. This time, it was declined because MoneyGram deactivated my account. So I get with MoneyGram customer service and they tell me the account is reactivated. So I tried again.

      This time it came back declined and my account was "disabled". So I get on with MoneyGram customer service and they tell me they are uncomfortable with the prior transactions - keep in mind I am paying them to move money for me - and they are permanently shutting off my account. I never did get the money transferred but I was pretty much accused of fraud. I presented valid federal ID, my passport, etc... meant nothing. That's an hour I won't get back, and I still have the problem of sending food money to a friend. I would never recommend that anyone use MoneyGram, ever. It's expensive if it works and generally a waste of time.

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      Customer ServiceRefunds & Payouts

      Reviewed Oct. 24, 2025

      Horrible experience. I used MoneyGram to send $200 to my sister and paid for home delivery. She never got it, and no one from MoneyGram contacted her. I contacted customer service on October 12, got a case number, and followed up many times. It’s October 23 — they never responded. Only thanks to my bank dispute did I get my money back. I will never use MoneyGram again. If something goes wrong, you’re on your own.

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      MoneyGram Company Information

      Company Name:
      MoneyGram
      Website:
      global.moneygram.com