Receiving money with MoneyGram is fast, safe, and flexible. You can pick up cash at a nearby location, have funds deposited into your bank account, receive money on an eligible debit card, get your money delivered to your home, or access funds through a mobile wallet. Your sender chooses the delivery method, and you receive your money in the way that works best for you.
Ways to receive money
Depending on how your sender sets up the transfer, you may be able to receive money in one of 5 ways:
1. Bank account
Have funds transferred directly into your bank account. Your sender will need your full legal name and banking details. Processing times may vary depending on your financial institution.
2. Cash pickup
Pick up cash quickly at a MoneyGram location near you. This option is ideal if you prefer in-person collection or do not use a bank account.
To collect cash, you typically need:
A valid government-issued photo ID
The 8-digit reference number from your sender
3. Debit card
Receive money instantly on your eligible debit card. This option allows funds to be added directly to a supported debit card.
4. Home delivery
Get money delivered to your home address. This option is available in select areas and depends on local service availability.
5. Mobile wallet
Get money sent straight to your mobile wallet for easy access. Availability depends on supported services and participating partners.
If you’re having trouble deciding which delivery method is right for your receiver, visit Cash pickup or bank transfer: Which is better? to learn more about our two most popular delivery methods.
Receiving money in person
If your sender chooses home delivery, you’ll need to be sure they have your correct address to set up the transfer.
If your sender selects cash pickup, follow these 3 easy steps:
1. Find a nearby MoneyGram location
Locate a convenient MoneyGram location near you. Your sender will select a participating partner, so you may need to ask them which location to use.
2. Prepare for pickup
Bring:
A valid photo ID. Your ID must match the name on your transfer.
The 8-digit reference number provided by your sender
3. Collect your money
Visit your chosen location, provide your transfer details, and receive your funds.
Receiving money digitally
If your sender chooses bank deposit, debit card, or mobile wallet delivery, funds are transferred electronically. Make sure your sender has your correct details to avoid delays.
Safety and security
MoneyGram uses encryption, identity verification, and monitoring systems to help protect transactions.
To reduce risk:
Only share your information with trusted individuals
Verify details before collecting funds
Be cautious of unexpected transfer notifications
For more guidance, read Is MoneyGram safe? to learn how to recognize common scam practices and understand how MoneyGram keeps your transfers secure.
Why people use MoneyGram to receive money
People receive money through MoneyGram for many reasons:
Family support
Emergency assistance
Education payments
Gifts and special occasions
Business or freelance payments
Whether picking up cash or receiving funds digitally, MoneyGram offers flexible money transfer payout options.
Common questions
What do I need to receive money with MoneyGram?
For cash pickup, you typically need a valid photo ID and the 8-digit reference number from your sender. For digital or home delivery, you may need to provide address, bank, debit card, or mobile wallet details in advance.
Can I receive money without a bank account?
Yes. If your sender selects cash pickup, you can collect your money at a participating location without needing a bank account. Be sure to ask your sender if you need to go to a specific MoneyGram location.
How fast can I receive money with MoneyGram?
Some transfers may be available within minutes, while others depend on the selected delivery method and verification requirements.
Timing depends on:
The sender’s payment method
The delivery option selected
Verification requirements
Location and service availability
Some transfers may be available within minutes, while others can take longer depending on processing requirements. To learn more about delivery timing, review How long do international money transfers take?
To learn more about how the tracking process works, see How to track an international money transfer.
Your money, your way
Get started today
Ready to receive money? Ask your sender to choose the delivery option that works best for you.
This publication is for general informational purposes only and does not constitute legal, tax, financial, or other professional advice from MoneyGram or its affiliates. Services may vary by location and are subject to applicable laws and regulations.