MoneyGram Fee Calculator
Check MoneyGram's transfer fee and exchange rate for your route, by how you pay and how the money arrives: bank deposit, cash pickup, mobile wallet or card.
Calculate Transfer Fees
MoneyGram's price by how you pay and how the money arrives
You Send
Recipient Gets
* MoneyGram prices as listed by a public price comparison, at the amounts we collected and dated when we collected them; that source does not say when MoneyGram set them, so they may be older. Between those amounts a fee is shown only where it is known. Check MoneyGram for a live quote.
Also worth checking: WiseWise says it converts at the mid-market rate and shows its whole cost as one fee. Compare what your recipient gets before you send.
See Wise’s ratePartner link: we may earn a commission if you sign up, at no cost to you. How we earn money
MoneyGram’s exchange rate: where the real cost hides
With MoneyGram, the upfront fee is only part of the cost. The other part is the exchange-rate margin: MoneyGram adds a margin over the real mid-market rate, and both the fee and the rate change with how you pay (bank account, debit card, credit card or cash) and how the money arrives (bank deposit, cash pickup, mobile wallet or card).
The calculator shows MoneyGram prices dated when we collected them, so check MoneyGram before you send.
Costs also vary by corridor, so the price on one route says little about another. Enter your country, amount, payment method and payout method in the calculator above to see MoneyGram’s fee, rate and total cost for that combination.
MoneyGram is one of the world's largest money transfer companies, operating since 1940. With over 350,000 agent locations in more than 200 countries and territories, MoneyGram provides accessible international money transfer services with multiple delivery options. Whether you need cash pickup within minutes or bank deposit transfers, understanding MoneyGram's fee structure helps you choose the most cost-effective option for your needs.
MoneyGram offers flexible transfer options including online transfers, mobile app transactions, and in-person agent location services. Their global network makes them particularly strong for cash pickup services in locations where banking infrastructure is limited. Fees vary based on several factors, so it pays to compare MoneyGram’s price on your own route.
Our MoneyGram fee calculator helps you see transfer costs before you send money. Choose your amount, how you pay and how the money arrives to see the fee, the exchange rate and what your recipient will receive. Use this tool to compare MoneyGram with other providers on your own route.
Currency rates fluctuate throughout the day, and MoneyGram can change its prices, so the quote MoneyGram gives you when you send may differ from the one shown here. Check MoneyGram’s own quote before choosing between immediate cash pickup or a bank deposit. For urgent transfers, speed may matter more than cost; for planned transfers, take the time to compare providers on the same route.
How MoneyGram Fees Are Calculated
MoneyGram's fee structure varies based on multiple factors including the transfer amount, destination country, how the money arrives (bank deposit, cash pickup, mobile wallet or card), and how you pay (bank account, debit card, credit card or cash, online or at an agent location). On top of the transfer fee, MoneyGram builds a margin into its exchange rate.
MoneyGram Fee Factors:
- Transfer Amount: The fee and the rate can change with how much you send
- Destination Country: Each route has its own fee and exchange rate
- Delivery Speed: Faster delivery options can be priced differently
- Payment Method: Bank account, debit card, credit card and cash payments can be priced differently
- Receive Method: Bank deposit, cash pickup, mobile wallet and card delivery can each change the total cost
Online transfers through the MoneyGram website or app and transfers at an agent location can carry different fees, and so can bank deposit and cash pickup delivery, though cash pickup provides the fastest service - often available within minutes.
What to check on a MoneyGram quote
- • Transfer fee: it changes with how you pay and how the money arrives
- • Exchange rate: compare it with the mid-market rate to see the margin
- • Amount received: the figure that shows the full cost of the transfer
- • Note: check MoneyGram’s own quote for your route before you send.
Using the MoneyGram Fee Calculator
This MoneyGram calculator shows MoneyGram’s price for your route. Enter your send amount, choose the destination country, then pick how you pay (bank account, debit card, credit card or cash) and how the money arrives (bank deposit, cash pickup, mobile wallet or card) to see MoneyGram’s fee and exchange rate for that combination before choosing your preferred delivery method.
MoneyGram has run since 1940, and its strength is cash: a pickup at an agent can be collected within minutes, while a bank deposit can take one to three days. Price both on your route, and change the amount as well, because the share of the transfer you pay shifts with its size.
Comparing MoneyGram with Other Options
MoneyGram's strength lies in its extensive global network and fast cash pickup services. How its price compares with online-only services depends on the route, so compare; what MoneyGram adds is accessibility, with 350,000+ agent locations worldwide. This makes it ideal for sending money to areas with limited banking infrastructure or when recipients need immediate cash access.
MoneyGram vs Other Services:
MoneyGram Strengths:
- • 350,000+ agent locations globally
- • Cash pickup in minutes
- • Available in 200+ countries
- • No bank account needed for recipients
- • Multiple payment options
- • Established trust (since 1940)
Considerations:
- • Compare against digital-only services
- • A margin built into the exchange rate
- • Agent location fees may be higher
- • Better for urgent/cash transfers
- • Compare carefully on large amounts
For urgent transfers or when sending to areas with limited banking, MoneyGram's speed and accessibility can be worth paying for. For non-urgent bank-to-bank transfers, compare MoneyGram with digital services like Wise or Remitly on your route. Consider your specific needs: delivery speed, recipient location, and available pickup/deposit options when choosing.
Where the money lands deserves as much thought as who sends it. Phone wallets such as GoPay, OVO and DANA are everywhere in Indonesia, but Bank Indonesia caps what a wallet can hold, so a large sum is better sent to a bank account; our guide to sending money to Indonesia explains the limits. In Turkey, each currency account has its own IBAN, and sending to the wrong one can delay or bounce the payment, one of several details in the guide to sending money to Turkey.
Tips to Save on MoneyGram Fees
Choose Transfer Method Wisely:
- • Compare online and agent-location prices
- • Select bank deposit over cash pickup when possible
- • Pay by bank account or debit card, not credit card
Transfer Strategy:
- • Group several small sends into one, since each carries its own fee
- • Compare with competitors for your corridor
Pro Tips:
- Compare how you pay: The calculator prices bank account, debit card, credit card and cash payments separately, and a credit card carries its own fee
- Compare the total: Check what your recipient receives, since the exchange-rate margin is part of the price
- Compare delivery options: The calculator prices bank deposit, cash pickup, mobile wallet and card delivery separately, so check which costs least on your route
- Compare at your real amount: A small monthly transfer and a large one-off payment can cost least with different services, as our South Korea transfer guide shows for tuition and rent deposits
Frequently Asked Questions
How much does MoneyGram charge for international transfers?
A MoneyGram transfer costs a transfer fee plus a margin built into the exchange rate. Both depend on the route, the amount, how you pay (bank account, debit card, credit card or cash) and how the money arrives (bank deposit, cash pickup, mobile wallet or card). The calculator above shows MoneyGram's price for each combination, dated when we collected it, so check MoneyGram's own quote before you send. Online and agent-location transfers can be priced differently.
How long do MoneyGram transfers take?
MoneyGram transfers can be available in minutes for cash pickup using express services. Bank deposits typically take 1-3 business days depending on the destination country. Most cash pickup transfers are ready within 10-30 minutes of sending.
What are MoneyGram cash pickup fees?
MoneyGram prices cash pickup separately from bank deposit, mobile wallet and card delivery, and what you pay turns on the amount sent, the destination and how you pay. Choose cash pickup in the calculator above to see MoneyGram's listed price for your route. Cash pickup offers the fastest service - often available within minutes. The convenience and speed make it ideal for urgent transfers or areas with limited banking infrastructure.
Is MoneyGram safe and reliable?
Yes, MoneyGram is a trusted, regulated financial services company operating since 1940. They have over 350,000 agent locations worldwide and process millions of transactions annually. MoneyGram is regulated by financial authorities in countries where they operate and uses encryption and security measures to protect customer information and transfers.
Can I track my MoneyGram transfer?
Yes, MoneyGram provides tracking for all transfers. You can track your transfer status online at moneygram.com or via the MoneyGram app using your reference number. You'll receive notifications when your transfer is available for pickup or has been deposited. Recipients can also check if funds are ready for collection using the tracking number.
What is MoneyGram's exchange rate?
MoneyGram sets its own exchange rate by adding a margin to the wholesale mid-market rate, and that margin varies with the corridor, how you pay and how the money arrives. The margin can cost more than the upfront fee on an international transfer, so compare the rate MoneyGram quotes against the real mid-market rate before you send.
What are MoneyGram charges to send money?
MoneyGram's charges have two parts: a transfer fee and a margin built into the exchange rate. Both change with the route, the amount, how you pay and how the money arrives. Use the calculator above for your country, amount, payment method and payout method.
How much does MoneyGram charge to send $1,000?
On $1,000 from the US to Mexico, paying from a bank account, delivered to a bank account, MoneyGram's listed price was a $1.90 fee at a rate 1.34% below the mid-market rate: $15.29 all-in, or 1.53% of the amount, in quotes collected October 30, 2026. On other routes and methods the price changes, since the transfer fee and the exchange-rate margin both change with those choices. On a larger transfer the margin, charged on the whole amount, tends to matter more than a flat fee, so compare the amount your recipient gets. Enter $1,000 in the calculator above to see MoneyGram's listed price for your route.
How much does MoneyGram charge to send $100?
On a small transfer, a flat fee is a bigger share of what you send, so the percentage cost tends to be highest on small amounts. MoneyGram listed $100 to Mexico from the US, paying from a bank account, delivered to a bank account, at a $1.90 fee with a rate 2.14% below the mid-market rate, which comes to $4.00, 4.00% of what you send, in quotes collected October 30, 2026. On $1,000 the same route and methods came to 1.53%. MoneyGram's fee and rate depend on the route, how you pay and how the money arrives; enter $100 in the calculator above to see MoneyGram's listed price for your route.
Last Updated: Pricing collected October 30, 2026. MoneyGram fees and exchange rates vary by corridor, amount, payment method and payout method; always confirm the live quote on the official MoneyGram site before sending. How we check figures
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