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Review of OFX: A Money Transfer Provider

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

When you need to send a large amount of money internationally, OFX could be your most affordable option. The company offers web-based money transfer solutions for individuals and businesses alike. In our review, we found that this service has some features which put them ahead of the competition. However, it also lacks other features and capabilities that might be important to you.

Although OFX money transfers can sometimes take longer than some of the company’s speedier competitors, price is where it consistently shines — it charges no additional fees for transfers beyond the standard exchange rate markup, although it requires a minimum transfer for $1,000 to start with. That means people who have smaller amounts to transfer will need to look elsewhere.

OFX’s headquarters is based in San Francisco and the company has been in business since 1998. Currently, the company has offices located in six different countries. Yet it all started a little over two decades ago when it launched its first website from a garage in Sydney.

In the past 20 years, the company has grown to more than 200 employees. OFX has managed over 1 million money transfers for more than $119 billion, with the numbers still growing.

Here’s a full breakdown of OFX’s costs, fees and a look at how it compares with its competitors in the international money transfer space.

OFX key features

  • Low exchange rates: OFX claims to have better rates and fees than many banks. Per the company, you can save up to an average of 50% on global money transfer rates when compared with using a bank. Banks make money off international money transfers by charging a markup (aka a margin) on foreign exchange rates. The reason OFX fees are lower is because they say they charge margins which are “substantially less” for money exchanges than the rates many banks charge their customers. OFX exchange rate markups are often less than 1%, they claim.
  • $0 transfer fees: Once upon a time, it did charge a flat-rate fee for money transfers. However, now OFX doesn’t charge any additional transfer fees for international money transfers. (The company does point out that your recipient’s bank might deduct a fee for the incoming transfer, but it doesn’t receive any part of those funds.)
  • No hidden fees: OFX doesn’t charge setup fees, monthly account fees or any other hidden fees.
  • Compare fees before transfer: OFX lets you check the rate you will be charged for an international money transfer in advance. However, you’ll have to create an OFX account first. This process is a bit cumbersome compared with the easy-to-access fee estimators available from some other money transfer service providers. However, it also gives you a way to compare the rate it will charge you with the rate your bank would charge you for the same transaction, so you can make sure you’re getting the better deal. This is a nice touch (though you should still estimate fees from other online money transfer providers to make sure you’re getting the best deal available). To estimate fees you’ll have to create an account, log in or use the “Get Extra” widget to see how much you could save when you transfer money with OFX instead of your bank.
  • There’s an app for that: You can transfer money, track your transfers and get current exchange rates with the OFX app, available for Apple and Android devices.
  • Membership program: If you own a business, you may be able to enjoy preferred exchange rates from OFX. Preferred rates could make sending or receiving money cheaper by helping you save more on exchange rate margins. The OFX Member Benefits Program lets you share your preferred rate with your own customers, members or employees by granting them access to your OFX network as well.
  • Referral program: The OFX Referral Program allows you an opportunity to earn a revenue share when your customers or referrals use OFX for international money transfers. You can also add the company’s free rate and currency calculators to your website, giving your users access to the most recent currency information.

Sending a money transfer with OFX

Review of OFX: A Money Transfer Provider
Transfers generally take 1-4 business days. Times may vary based upon the country to where you are transferring funds.

You should allow:
  • 1-2 business days for OFX to receive your funds plus

  • 1-4 business days for the funds to reach your recipient



*OFX provides a currency converter tool inside your account, online or using the app, which can also provide approximate delivery times.
Where can you send money?
OFX can transfer your money to over 190 countries in 55 different currencies. See a list of locations here.

How much can you send? Transfer amounts start at $1,000(minimum).

*Maximum transfer amounts are determined based on your money transfer provider and type of currency. USD can generally be transferred without restrictions.

How to transfer money

Here’s a look at the process you’ll experience if you transfer funds internationally with OFX.

Step 1:
You can sign up for a personal account or business account online or via the OFX app. For a personal account, you will need to provide the following information:

  1. Your location
  2. Your email address
  3. Your currency pair (aka where you’ll be transferring money from and to)
  4. Your estimated transfer amount
  5. Your personal information (name, address, phone number, date of birth, nationality and occupation)
  6. Your driver’s license state and number (optional)

Step 2:
Create a password and set up a security question.

Step 3:
Verify your account by uploading one of the following:

  1. Copy of your driver’s license or passport (color)
  2. Proof of address (bank statement, utility bill or letter from a government agency)

Step 4:
Add the U.S. bank account you’ll be using to send funds.

Step 5:
Add new recipient details, including the person’s name and banking information.

Step 6:
Calculate transfer rate (if desired).

Step 7:
Transfer funds by setting up a direct debit or wiring the funds to OFX.

Step 8:
Funds are converted and delivered to your recipient.

Fees and fine print

Fees and penalties
Transfer rates
When you transfer money with OFX, the company takes a “small percentage” of the money you’re sending to cover costs.

Here’s how it works. Fees are based upon the market rate (also called interbank rate), which is a wholesale rate available to large financial institutions. Customers of OFX are charged a markup on the market rate, and that is how OFX makes money. You can check exchange rates here.


Transfer fees None
None

Compared with other money transfer options, OFX is often one of the most affordable ways to send money internationally. However, this isn’t the case 100% of the time. If you want to get the best value on your money transfer, it’s wise to compare costs among several money transfer providers.

Is OFX a good money transfer service to use?

Overall, OFX can often offer a more affordable way to send money internationally. You just have to be comfortable with the wait and minimum transfer requirements.

Pros
Cons
  • Low exchange rates mean OFX is often a cheaper way to send money.
  • Zero transfer fees keep the service affordable and simple to understand from a cost perspective.
  • 24/7 customer service support

  • No same-day delivery, (except from Australia to the U.S.)
  • Minimum transfer requirement of $1,000
  • Bank-to-bank transfers only with no cash payment or cash pick up options
  • No domestic transfers within the United States


Alternative money transfer options

MoneyGram and Western Union are international money transfer companies providing similar services to OFX.

MoneyGram

  • Where can you send money? MoneyGram has a large network. You can send money to more than 200 countries and territories around the world online or in person at one of MoneyGram’s 350,000 (approximate) global agent locations. Unlike OFX, you can also transfer money within the United States.
  • How long does a transfer take? Once you send a transaction successfully, your recipient can usually pick up cash within minutes. Just keep in mind that transfer time also depends upon operating hours and regulatory requirements.
  • How much can you send? $6,000 per online transfer is typically the cap on MoneyGram transfers, but it also depends upon the country where your recipient lives. Also, there’s a $6,000 cap per every 30 calendar days for online transfers. If you need to send more, you can. You’ll just need to a MoneyGram agent location to send additional transfers.
  • Fee to send money: MoneyGram’s costs can be a little on the high side. When compared with other competitors, MoneyGram fees are often higher plus they may include additional transfer fees. The cost to send money via MoneyGram varies quite a bit based upon where you’re sending money, how much you’re sending and how you’re paying. On the plus side, MoneyGram has a tool which can easily allow you to estimate fees online, without the hassle of being required to create an account first.

One area where MoneyGram shines is its potential speed of delivery. If timing is your primary concern when you are sending money, MoneyGram may be a good option to consider.

Western Union

  • Where can you send money? Western Union lets you send money to more than 200 countries and territories. The company also has a sizable network of over 500,000 agent locations, this can make finding a place to send or receive money in person a lot more convenient.
  • How long does a transfer take? Western Union allows you to send money in minutes in 130 currencies. Many transactions take place within minutes. Just keep in mind that factors like the service you select, your destination country, any regulatory issues, etc. could slow things down.
  • How much can you send? The amount of money you’re allowed to transfer will vary. Limits are based upon your transaction history with Western Union, the country where you are sending money, your location and the type of transfer service you choose. Based upon these factors, limits may range from $300 per money transfer up to $10,000 per transaction.
  • Fee to send money: Western Union is known for having a large network, not for being the most affordable way to send money internationally. Compared with competitors, exchange rate fees may be higher and you may be charged transfer fees on top of that. You can estimate the cost of sending money using Western Union’s online fee calculator. It’s a helpful and convenient feature, partly because you aren’t required to set up an account to access it. Also, even though Western Union may be more expensive in many cases, you shouldn’t just assume that is always the case. If you’re sending an online money transfer, it’s worth your time to see if Western Union can beat the cost your receiving elsewhere.

Western Union stands out among competitors for its conveniently large network and speed. With more than 500,000 agent locations, finding a convenient spot to send or receive money may be easier than with other service providers.

Should you choose OFX?

OFX frequently beats competitor pricing for international online money transfers. Yet there are so many moving parts when it comes to money transfers that you shouldn’t take for granted that it is the cheapest option. If you want to save the most money possible on your international money transfers, you have to be willing to do a little homework (perhaps every time you prepare to transfer funds) and compare costs between several money transfer networks.

Of course, even if it is the least expensive option for your specific situation, the cheapest option may not be the right choice for you. OFX tends to be a bit on the slow side with regard to getting money into your recipient’s hands. Also, OFX doesn’t give you the option to pay with cash nor does it give recipients a cash pickup option. If you don’t have the capability to transfer funds directly into your recipient’s bank account, you’ll need to find a different company to handle your money transfer.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Michelle Black
Michelle Black |

Michelle Black is a writer at MagnifyMoney. You can email Michelle here

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Auto Loan

Jet Ski Financing: How Does It Work?

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

jet ski financing
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Do you have your heart set on a new jet ski this summer? With prices stretching to nearly $15,000 apiece — and you may want more than one for families — you may be busy researching jet ski financing options to turn your daydreams into reality.

Getting jet ski financing isn’t difficult. In fact, it’s similar to financing most other recreational vehicles. But some methods are better than others, depending on your particular situation. We’ll walk you through some affordable ways to finance your purchase and some options you would probably be wise to avoid. Keep reading to compare your choices using our side-by-side chart.

How to finance your jet ski

As with any type of financing, the better your credit rating, the more attractive the options you may have available to you.

  • Manufacturer financing
    Vehicle manufacturers are known for offering attractive interest rates for well-qualified borrowers as an incentive to purchase certain products or models. Whether you’re buying a jet ski or another type of vehicle, financing through the manufacturer will often be the most affordable way to go — if you have good credit. In fact, with good credit scores you might even be able to score 0% APR financing through a manufacturer, albeit likely for a shorter loan term (e.g. 12 months) or introductory period. Keep in mind, that low initial APR could jump to a much higher rate if you need more time to pay off your loan.
  • Powersport loans
    Banks, credit unions and online lenders will offer loans for jet skis under different names including specialty vehicles, sport or leisure vehicles. These loans may have higher rates than manufacturer financing incentives but typically come with lower interest rates than personal loans, which we’ll talk about next. If you’re comparing rates on powersport loans with manufacturer loans, remember that your rate on a manufacturer loan may change over time. Calculate your total interest over the life of the loan to see which option may give you the lowest cost for financing. We recently found powersport loan rates as low as 4.29% APR with more offers around 5% and 6% APR though again, the best rates tend to go to those with the best credit and for the shortest terms.
  • Personal loans
    Many banks and online lenders offer personal loans which can be used to finance a jet ski purchase. If your credit scores are in less-than-perfect condition, you might have an easier time qualifying for a personal loan (depending upon each lender’s requirements) when compared with other borrowing alternatives. However, if your credit scores are in great shape, there’s a chance you might be able to find a more affordable way to finance your jet ski purchase.A personal loan also might be your best bet if you’re looking to buy a used jet ski that you can’t — or don’t want to — pay for with cash. Some banks may have minimum amounts for powersport loans but lower requirements for personal loans.
  • Credit cards
    Although it may technically be possible to use a credit card to finance your jet ski purchase, it’s usually not a good idea. Unless you have an attractive introductory rate offer, credit cards are a notoriously expensive way to finance big purchases. Also, if your debt-to-limit ratio climbs higher because of an expensive purchase, your credit scores could suffer until you’re able to pay down your card balance. “Putting a big, fun purchase on a credit card is tempting, but it may be a costly mistake,” said Eric Rosenberg, founder and editor at Personal Profitability. “Unlike a mortgage or a car loan, where you get a lower interest rate because the loan is secured by the vehicle, that isn’t true with a credit card. You could easily find yourself paying 20% or more to pay off that jet ski. No amount of fun is worth that cost.”

Which type of jet ski financing is right for you?

The best way to finance a jet ski is going to be different for different people. Here’s a side by side comparison to help you compare the features of the four jet ski financing options above.

 Average Interest RatesChanging Interest RatesCredit RequirementRisk of Credit Score Damage from High Utilization
Manufacturer LoanInterest rates may start as low as 0% for qualified borrowersRates sometimes start out low and increase over timeGood or better to qualify for the best offersNo
Powersport
Loan
APRs usually lower than personal loansRates are typically fixed over the life of the loanVaries — the higher your score, the better your interest rateNo
Personal
Loan
APRs usually higher than powersport loansRates are typically fixed over the life of the loanSome lenders have options beginning at a minimum credit score of 525 (though you probably won’t get the best interest rates).No
Credit CardsAverage APR is 16.86%Rates may change over timeN/A if your account is already openYes

*Note: The chart above is a helpful guide, but you should always check with individual lenders to compare the specific rates and terms available when shopping for any type of financing.

What to look out for when financing a jet ski

It’s true that owning a jet ski can be a lot of fun. However, you shouldn’t finance any recreational vehicle unless there’s room in your budget to afford it.

Rosenberg recommends that you “never let this type of purchase put you under financial pressure. It isn’t worth the cost if you’ll miss other bills.”

Not sure how much jet ski you can afford? This helpful payment calculator from LendingTree can help you to figure out the answer. LendingTree is MagnifyMoney’s parent company.

The bottom line

Can you afford to purchase your jet ski in cash? If so, you might want to think twice about taking out a loan and paying interest to a lender. (Of course, if you qualify for a 0% or low introductory offer through a manufacturer, you could always take advantage of the low-intro rate and then pay the remaining balance in full when it expires.)

There’s also something to be said for saving your money in order to avoid high interest on a major purchase through your credit card. It might mean putting your purchase off until next year, but the money you could save on interest could be a great trade-off for your wait.

If you prefer to take out a loan so you can enjoy your jet ski now, focus on the interest rates and fees charged by different lenders. We found some of the lowest rates at credit unions and online lenders. Shop around and don’t forget to check with your own bank — many offer discounted rates to existing customers who use autopay. Also, don’t forget that you may be able to make extra payments to wipe out the debt more quickly and potentially lower the amount of interest you’ll have to pay in the long run.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Michelle Black
Michelle Black |

Michelle Black is a writer at MagnifyMoney. You can email Michelle here

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Banking

MoneyGram Money Transfer Review

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

MoneyGram is a widely-used money transfer service, and in our review, we found that it stacks up well against the competition in some areas, and not so great in others. If you’re looking for a way to send or receive money quickly, MoneyGram is certainly convenient and hard to beat — but if you’re looking for the most affordable option to send money, however, MoneyGram probably won’t make you happy.

The company traces its roots back to 1940, with the founding of Travelers Express Co., based in Minneapolis. Travelers Express went on to become one of the world’s largest processors of money orders and a key player in the electronic payments industry.

In 1998, Viad Corp (the parent company of Travelers Express) purchased a company known as MoneyGram Payment Systems Inc. MoneyGram Payment Systems itself had originally been founded a decade earlier in 1988. The acquisition lead the way for MoneyGram to become a globally recognized and well-trusted brand in the money transfer industry.

Keep reading for our full takeaway on MoneyGram.

ProsCons
  • Speedy same-day delivery within minutes may be an option when using a debit card or credit card.
  • Wide variety of transfer options including online transfers, transfers via the app, in store transfers, and cash (in store) transfers.
  • Send money to more than 200 countries and territories with MoneyGram’s large network (30,000 locations in the U.S. and 350,000 global locations).
  • Transfer money 24/7 to a bank account online.

  • May be expensive when compared with alternative money transfer services.
  • The cost and fees for transfers will vary depending on where you’re sending the money, how much you’re sending and your method of payment. If you use a bank account (must be a U.S. checking account) to pay for your transfer, it will generally cost less; debit or credit card transfers cost more. MoneyGram does provide a tool so you can estimate fees in advance.

MoneyGram key features

Large network: MoneyGram’s sizable international transfer network makes it more convenient to send money to friends and family members around the world.

Multiple ways to send and receive money: One area where MoneyGram stands out from competitors is in how many options the service has available to send and receive money. You can send money online, from MoneyGram’s mobile app (see below for details), or in person at a MoneyGram location. You can pay for your transfer in cash, with a bank account transfer, via credit card or debit card. Depending upon where your recipient is located, he or she may be able to receive the funds in a bank account, on a mobile wallet, or by picking up cash at one of the locations.

International and domestic money transfer capability: This service allows you to send money within the United States and abroad. That option isn’t available with all money transfer providers.

There’s an app for that: MoneyGram has launched a mobile app in the United States and 14 additional countries. The app makes it easier for customers to send and receive money from their smartphone or tablet.

Membership program: MoneyGram Plus Rewards is a membership program which rewards you every time you send money. The program offers you the opportunity to enjoy benefits such as:

  • 20% off the fee of your second money transfer
  • 40% off the fee after every fifth money transfer
  • Special “member-only” promotional offers
  • Premier status (after your fifth money transfer) with even more benefits

Sending a money transfer with MoneyGram

How long does a transfer take?
Many transfers may arrive in minutes, even to many international locations, but it varies. The actual time by which funds are available will depend on operating hours, regulatory requirements, destination and other factors, the company says.
Where can you send money?Money can be sent to 350,000 agent locations in more than 200 countries and territories around the globe (including over 30,000 locations in the United States).
How much can you send?For online transfers, send up to $6,000 for most countries per transfer. There is also a $6,000 maximum per every 30 calendar days.

*If you need to send more money, you may send additional funds in person from a MoneyGram agent location.

MoneyGram has numerous options for sending money, both in the United States and abroad. This makes it easier to find the solution which best fits your needs.

Sending money online

  • Step one: Set up your online account
    Provide your name, email address, mobile phone number, and address.
  • Step two: Select your receiver
    Provide MoneyGram with information about who you’re sending money to, the country where he/she is located, how your recipient wishes to receive the money, and how much you want to send.
  • Step three: Choose how to pay
    Select from payment options such as your credit card, debit card, or your bank account itself.
  • Step four: Review the details of your transfer and send

Sending money in person

  • Step one: Find a location
    MoneyGram provides a location lookup tool online.
  • Step two: Bring your information
    Provide MoneyGram with information about your recipient, including name (which matches his or her I.D.) and location. Be sure to bring your I.D., and be prepared to provide your full name to the MoneyGram agent as well.
  • Step three: Give the agent your money
    Bring the cash you want to send (plus fees) to provide your MoneyGram agent.
  • Step four: Review the details of your transfer and send

Transfering money to international bank accounts

  • You can send money to an international bank account either online or in person. Just follow the appropriate steps above, based upon how you will be sending the funds.

Sending money to a mobile wallet

  • Step one: Select a recipient
    If you’re sending money online or via the MoneyGram app, choose who you are sending money to, how much you wish to send, and provide the recipient’s mobile number (including international dial code for transfers outside of the United States). You may also send money to a mobile wallet in person at a MoneyGram location — just remember to bring your receiver’s information, including mobile number and international dial code. It is also worth noting that mobile wallet transfers may only be available in certain countries, so make sure you confirm that it can be used where you’re sending your money.
  • Step two: Choose “Account Deposit” as the receive option
  • Step three: Enter the amount you wish to send.
  • Step four: Select your payment option
    You can choose from credit card, debit card, or bank account.
  • Step five: Verify your identity
  • Step six: Review the details of your transfer and send

Fees and fine print

MoneyGram transfers are often convenient, though that convenience can come at a hefty price.

Moneygram fees may vary widely based upon where you’re sending money, how much you’re sending, and how you’re paying. Fees are generally lower if you use a bank account to transfer funds (U.S. checking accounts only). If you pay with your debit or credit card, fees will be higher. MoneyGram does allow you to estimate fees in advance to see how much a transfer will cost.

In an estimate using MoneyGram’s Estimate Fees feature, a $1,000 transfer to Ontario, Canada, was estimated to cost $19.99 if sending funds through an online bank account, $61 if sending cash from a MoneyGram location, or $95 if using your credit or debit card.

When compared with other competitors, the cost of sending funds through MoneyGram is often higher and may include additional transfer fees.

Fees and Penalties
Transfers Within the United States:
Fees will vary based upon the payment method you’re using to send funds. If you are using a credit card or debit card to pay for a transfer, expect higher fees. You can use the “Estimate Fees” tool to get exact pricing for your domestic money transfer.

International Transfer Rates:
Once again, MoneyGram fees for international transfers can vary based upon a variety of factors, including how you will sending the money and where you will be sending it. You can use the “Estimate Fees” tool to get exact pricing for your domestic money transfer.

Alternative money transfer options

Want to compare other options? Here are a few alternative money transfer services to consider.

OFX

  • Where can you send money? Send money to over 190 countries in 55 different currencies. (Transfers within the United States are not available.)
  • How long does a transfer take? Transfers generally take 1 to 4 business days. Times vary based upon the country where you are transferring funds.
  • How much can you send? Unlike many online marketplaces, OFX does not have a maximum limit on the amount you can transfer. (Certain currencies may be subject to limits due to government regulations.)
  • Fee to send money: OFX does not charge any transfer fees, but makes its money by charging you a markup on the foreign exchange rate. These markups (also called margins) are often less than 1% with OFX. By contrast, banks often charge you as much as 5% on your foreign exchange transfers, with extra fees added on top of that. However, some online competitors might still beat OFX prices depending upon where and how you’re sending money. It’s smart to estimate and compare fees from a number of websites to try to get the best deal available.

The best perk which OFX has to offer is the ability to save money on many transactions. If cost is your primary concern, OFX may be a good choice.

Western Union

  • Where can you send money? You can send money to more than 200 countries and territories worldwide through Western Union’s network of over 500,000 agent locations.
  • How long does a transfer take? Send and receive money in minutes in 130 currencies to over 200 countries and territories. (Factors like the service selected, destination country, regulatory issues, etc. may impact delivery time.)
  • How much can you send? The maximum amount you can send can vary based upon several factors. These include your Western Union transaction history, the country where your recipient is based, your country and state, and the service selected. Based upon these factors, limits may range from $300 per money transfer to $10,000 per transaction.
  • Fee to send money: Despite the convenience it offers, Western Union may not be the most affordable way to send money internationally. Compared with competitors, exchange rate fees may sometimes be higher and you may be faced with transfer fees as well (though it really depends upon where you’re sending money and how you’re sending it). You can estimate the cost of sending money using Western Union’s online fee calculator — your best bet is always to estimate fees from a few competitors to see who will give you the best price.

Western Union stands out for its convenience and speed. With over 500,000 agent locations worldwide, it may be easier to find a place to send or receive money with Western Union versus another provider.

Is MoneyGram a good money transfer service to use?

Although MoneyGram can sometimes be a bit pricey, it is still a decent money transfer option. The conveniently large number of locations and the potential for fast, same-day transactions can be helpful if you need to send or receive money in a hurry. MoneyGram also shines for people who need to send or receive cash without using a bank account or debit/credit card as part of the process.

If you’re not in a rush, however, an alternative option might be available at a lower cost. Because money transfer fees vary so widely based upon where you’re sending money and how you’re sending it, your best bet is to estimate and compare fees first. You can estimate fees with MoneyGram plus one or more competitors to see who will offer you the best deal for your specific situation.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Michelle Black
Michelle Black |

Michelle Black is a writer at MagnifyMoney. You can email Michelle here

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