MoneyGram Fee Calculator

Calculate your MoneyGram transfer fees instantly. See exact costs for international money transfers, cash pickup, and online payments with transparent pricing across 200+ countries.

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Calculate Transfer Fees

Calculate your MoneyGram transfer cost with real-time currency conversion

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Delivery options

Bank depositCash pickupGCash

Ways the recipient can be paid in Philippines. The fee shown is for the typical option.

MoneyGram Fee Structure

Fee: $2.99Rate markup: 1.5%Estimate · verified 2026-06

* Estimated typical cost: the live mid-market rate minus this provider's typical exchange-rate markup, plus its typical fee. Real cost varies by corridor, amount, delivery and payment method, and promotions — check the provider for a live quote.

MoneyGram’s exchange rate: where the real cost hides

With MoneyGram, the upfront fee is only part of the cost, and online it is small ($0 from a bank account, up to about $12 by debit). The bigger cost is usually the exchange-rate margin: MoneyGram adds about 1-3% (averaging ~1.33%) over the real mid-market rate, and the rate is slightly worse for cash pickup than for a bank deposit.

How you send	Typical fee	Exchange-rate margin
Bank account → bank deposit	$0	~1-2%
Online + debit card	$1.99-$12	~1-2%
Credit card	$14.99 flat	~1-3%
Cash pickup at an agent	$5-$30	slightly worse

Sending online with a debit card costs roughly 30-50% less than handing over cash at an agent. Costs also vary by corridor: popular routes like Mexico, India and the Philippines tend to sit at the low end, while smaller corridors (Jamaica, Trinidad, Ghana) can carry a wider margin. Enter your country and amount in the calculator above for today’s live rate and total cost.

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. While fees vary based on several factors, MoneyGram provides competitive rates for certain corridors and transfer amounts.

Our MoneyGram fee calculator helps you estimate transfer costs before you send money. Calculate fees for any amount and currency to see exactly what you'll pay in transfer costs and what your recipient will receive. Use this tool to compare MoneyGram with other providers and find the best value for your specific transfer needs.

With live exchange rate data, this calculator shows current MoneyGram costs for both express and economy transfers. Currency rates fluctuate throughout the day, affecting your total cost. Check rates before choosing between immediate cash pickup or slower bank deposit options. For urgent transfers where speed matters more than cost, see express pricing; for planned transfers, compare how waiting a day or two might offer better rates on economy services.

How MoneyGram Fees Are Calculated

MoneyGram's fee structure varies based on multiple factors including the transfer amount, destination country, delivery method (cash pickup vs. bank deposit), and payment method (online vs. agent location). Typical fees range from $0 to $12 online for most transfers, with percentage-based fees of 1-3% depending on the service selected.

MoneyGram Fee Factors:

Transfer Amount: Larger amounts typically have higher absolute fees but lower percentage rates
Destination Country: Popular corridors often have lower fees
Delivery Speed: Express services cost more than economy transfers
Payment Method: Cash and card payments may have different fee structures
Receive Method: Cash pickup vs. bank deposit affects total cost

Online transfers through the MoneyGram website or app typically offer lower fees compared to agent location transfers. Additionally, bank deposit deliveries are often cheaper than cash pickup, though cash pickup provides the fastest service - often available within minutes.

Example Calculator Breakdown ($1,000 USD → Philippines):

• Transfer Fee: $5.00 (fixed)
• Percentage Fee: $15.00 (1.5% of $1,000)
• Total Fees: $20.00
• Exchange Rate: $1 USD ≈ 56.50 PHP (real-time)
• Amount Converted: $980.00 USD → 55,370 PHP
• Recipient Receives: ~55,370 PHP
• Note: Our calculator uses average fees. Check MoneyGram website for exact rates.

Using the MoneyGram Fee Calculator

This MoneyGram calculator estimates transfer costs across MoneyGram's global network of 350,000+ agent locations in 200+ countries. Enter your send amount, choose destination country, and see real-time cost projections including MoneyGram's fees and current exchange rates. Since MoneyGram offers multiple service speeds (express vs economy), the calculator helps you understand the typical cost structure before choosing your preferred delivery method.

Calculator Features:

Real-time fee calculations
Support for 50+ currencies
Current market rates
Instant results

What You'll See:

• MoneyGram fee ($5-$50 typical range)
• Real-time exchange rate markup
• Cash pickup vs bank deposit comparison
• Express (minutes) vs economy (days) timing
• Final amount in destination currency
• Effective total cost percentage

With MoneyGram operating since 1940, they offer trusted service with competitive pricing for cash pickup transfers. This calculator is particularly valuable for comparing cash pickup (available in minutes) versus bank deposit options (1-3 days). Input different amounts to see how larger transfers reduce your percentage cost. For urgent needs, factor in express service fees; for planned transfers, economy options save money.

Comparing MoneyGram with Other Options

MoneyGram's strength lies in its extensive global network and fast cash pickup services. While fees may be higher than some online-only competitors, MoneyGram offers unmatched 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:

• Higher fees than digital-only services
• Exchange rate markups on some transfers
• Agent location fees may be higher
• Better for urgent/cash transfers
• Less competitive for large amounts

For urgent transfers or when sending to areas with limited banking, MoneyGram's speed and accessibility justify the higher fees. However, for non-urgent bank-to-bank transfers, digital services like Wise or Remitly often provide better value. Consider your specific needs: delivery speed, recipient location, and available pickup/deposit options when choosing.

Tips to Save on MoneyGram Fees

Choose Transfer Method Wisely:

• Use online transfers (cheaper than agent locations)
• Select bank deposit over cash pickup when possible
• Pay with bank account instead of cards
• Consider economy speed if not urgent

Transfer Strategy:

• Send larger amounts less frequently
• Watch for promotional codes and offers
• Use MoneyGram Plus Rewards program
• Compare with competitors for your corridor

Pro Tips:

First-time users: Check for welcome promotions - MoneyGram often offers reduced fees for new customers
Regular senders: Join MoneyGram Plus Rewards to earn points and get discounts on future transfers
Compare delivery options: Bank deposit typically costs 30-50% less than cash pickup

Frequently Asked Questions

How much does MoneyGram charge for international transfers?

MoneyGram fees online run from $0 (bank account to bank deposit) up to about $12 by debit card, with a flat $14.99 by credit card; cash pickup costs more. On top of the fee, a 1-3% exchange-rate margin is built into the rate. Our calculator uses $5.00 fixed fee + 1.5% as the average rate for estimation. Actual fees may vary. Online transfers are often cheaper than agent location transfers. First-time users often get promotional rates.

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. Economy transfers take longer but cost less. Most cash pickup transfers are ready within 10-30 minutes of sending.

What are MoneyGram cash pickup fees?

Cash pickup fees with MoneyGram typically range from $5 to $30 depending on the amount sent and destination country. While more expensive than bank deposits, 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, on average about 1.33% and typically in the 1-3% range depending on the corridor and whether you send online or in cash. That margin, not the upfront fee, is usually the bigger cost 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, from $0 (bank account to bank deposit) up to about $12 online, or a flat $14.99 by credit card, and a 1-3% exchange-rate margin built into the rate. Sending online with a debit card costs roughly 30-50% less than handing over cash at an agent. Use the calculator above for your exact country, amount and payout method.

How much does MoneyGram charge to send $1,000?

Online to a bank account, the transfer fee on $1,000 is often $0 to about $12, but the cost that matters is the 1-3% exchange-rate margin, roughly $13 to $30 on $1,000. So the all-in cost is usually $15 to $40, more if you pay by card or your recipient takes cash. A $1,000 transfer to the Philippines, for example, has been quoted around $24 all-in.

How much does MoneyGram charge to send $100?

On a small $100 transfer, MoneyGram's online fee is low, often $1.99 to a few dollars, or free from a bank account, and the 1-3% margin is only about $1 to $3, so roughly $3 to $7 all-in. Paying by card or sending cash for pickup costs more. The percentage cost is highest on small amounts because the flat fee is a bigger share.

Last Updated: June 9, 2026 | MoneyGram fees and exchange rates vary by corridor, amount and payment method; always confirm the live quote on the official MoneyGram site before sending.