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Not all services are available in all countries. Fees vary based on transaction details such as transfer amount, payment type, delivery method, and pickup location. Timing of funds availability depends on destination country, payment and receive methods and is subject to agent or bank operating hours, system availability and compliance with regulatory requirements. When selecting a money transfer operator, carefully compare both transfer fees and currency exchange rates. The transfer fee and currency exchange rate may be subject to change by MoneyGram without notice. MoneyGram makes money from currency exchange.