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Consumer Protection


Protecting our customers is a priority

MoneyGram is an affordable, reliable and fast way to send money around the world. Our services help thousands of customers meet financial commitments and support family members.

At MoneyGram, few things make us more angry than when people use money transfer services for illegal activities that deliberately defraud and harm consumers. These criminals will lie to convince you to send money to them, and then you won't be able to get your money back. The best way to stop them is to learn how they'll try to trick you. MoneyGram is committed to educating you so you don't become a victim of fraud. It's our goal to educate consumers on ways to safeguard their money and personal information and avoid becoming a victim of consumer fraud. See below for our list of common scams so you know what to look for. Keep in mind that other scams exist, so it's always safest to use common sense when sending money. The most important tip we can give is, do not send money to someone you do not know.

Remember: Once money has been paid, cancellation or refund is no longer possible. If you need to change details on a transaction, please immediately return to the MoneyGram agent in person to amend any information.


Common money transfer scams

Sending money to a stranger

MoneyGram never recommends sending money to a stranger. Any monies received by a stranger cannot be recovered and unfortunately you will not get your money refunded back to you.

Romance

Did you meet someone through a personal ad, e-mail, chat room or an instant message? Did they ask you to send them money for travel or to help them financially? If you have not met this person in real life, do not send the money - this is a SCAM. Any money received by this person cannot be recovered and you will be at loss for any money sent.

Internet purchases

Have you found something online that interests you - a puppy, a car, an apartment for rent or any item for sale? Does the price for the item seem to be too good to be true and are you being asked to pay for the item through a MoneyGram money transfer? Unfortunately, this is a SCAM. Do not send money for the item to the seller. They may even send you a letter or e-mail of authentication telling you that you have purchased the item but need to wire funds first. Do not send the money. It is a SCAM. You will receive no merchandise. Once money is wired and received it cannot be recovered and unfortunately you will be at loss for any money transferred.

Person in need

Did you receive a phone call from a grandchild or a family member? Or a "lawyer" or "police officer" there with your family member? Are they in despair because they have been detained in Canada for not having a fishing license or for catching a protected species of fish? Have they been in a car accident? Are they asking for money to pay fines or for car repair? Did a relative call because they need money for a family member in medical need or for medicine? THIS IS A SCAM! Use precaution when sending money in any of these situations. These callers can request that you send money anywhere in the world. If you cannot verify with your family member (calling their number you had before this call, not the "new number" the caller gives you) that they are requesting money and aren't sure about the transaction, do not send the money. You will be at a loss for any money that is sent.

Lottery scam

You receive a telephone call saying you've won money or a prize requiring you to send money to pay for taxes, customs fees, etc. This common trick focuses on the hopes people have of winning a lottery or big prize. Never transfer money to claim a prize, or to someone you cannot verify.

Counterfeit check scam

You receive a check or money order with instructions to cash the item at your bank, and then send some of the funds to someone else through MoneyGram. Counterfeit checks can be difficult to detect and may not be recognised until after you've completed the requested transfer. With this scam, fraudsters get the cash and you're responsible for paying back the counterfeit amount and any fees to your bank.

Hero scam

A response to your newspaper ad for a lost pet or lost personal item. This fraud uses classified ads to contact people, pretending to have found their lost item. Never include a full description of the lost item in the newspaper - have the caller describe what they found.

Good faith scam

A stranger tells you to send money to a friend or relative as a show of "good faith" for a purchase. Legitimate business isn't conducted this way. You're told to send money in the name of a friend, claiming your funds will be safe because they won't be able to collect the transfer. That's not true. Con artists often use fake identification, pretending to be someone else.

Phishing scam

You receive an email that appears to be from MoneyGram, asking you for financial or other information. No matter how real it looks, we're not an Internet escrow or shipment service. MoneyGram NEVER sends an email asking for personal or financial information, or requesting you to send money. The email instructs you to transfer money through MoneyGram or provide confidential information to trick you out of money.


Protect yourself:

Buying items on the Internet

Be very careful if you send money to pay for merchandise purchased online. Many Internet auction and ecommerce sites provide secure payment systems, offering greater protection for the buyer and seller. These payment methods may be a better option than a money transfer.

Using the MoneyGram money transfer service

Protect yourself from being tricked while using our services;

  • Be careful whom you send money
  • Keep your transaction information confidential
  • Be suspicious of anyone who wants you to send money to them (or someone else) with a test question

Why this is important? If a recipient has photo identification and knows information about the transaction and the sender, a reference number or the answer to a test question may not be required to pick up the transaction. Also, don't assume your money transfer is safe because you specified a country for the transaction; scammers can divert money to a different country.

Too good to be true

Be suspicious of very cheap, "too good to be true" deals. Before sending money in response to a newspaper or magazine ad for airline, concert or similar tickets, research the offer thoroughly. The same is true for offers of loans or credit cards asking you to send money for fees before signing any documents. MoneyGram cannot ensure that goods or services you're paying for will be received.


Protecting against consumer fraud

MoneyGram is involved with Scamwatch in Australia to help prevent fraud.

http://www.scamwatch.gov.au

http://www.austrac.gov.au/files/eligo_fact_sheet.pdf

If you believe you may be a victim of fraud, please complete our form to report fraud online, or if you suspect fraud on a transaction that has not yet been received, please contact our Customer Care Center at 1 800 049 087 in order to have the transaction cancelled immediately.