Money can be sent and received on a variety of platforms. Moneygram is among the better choices. Millions of users use the platform. In this article, we will take a look at how to use MoneyGram money transfer and how MoneyGram tracking works.
What is MoneyGram?
Moneygram is a global provider of payment and money transfer services. By offering a simple and dependable financial connection for necessities of daily life, the organization connects family and friends throughout the globe. No matter where you are—online, on a mobile device, at a kiosk, or in a nearby shop—you can always use Moneygram to connect with your loved ones.
Moneygram serves both consumers and businesses through a network of agents and financial institutions. The company has operations in more than 200 countries and a global network of roughly 347,000 agent locations, making it the second-largest provider of money transfers in the world.
How to Transfer Money with MoneyGram Online
Transferring money with MoneyGram is fast, reliable and convenient.
Here is how it works:
Step#1. Sign up or Log in to your account at MoneyGram.com.ng
Enter the necessary details to confirm your identity.
Step #2. Choose a recipient or transfer money to a different person (new transfer).
You can send up to $2,999.00 per transfer (online) and $2,999.00 per month.
Step #3. Enter the receiver’s details
Click on “start sending money” or “estimate fees” and choose “Account Deposit” as your recipient’s option. then carry out the step by step procedure to complete the transaction such as who the receiver is, how they prefer to receive the money and how much money you are sending.
Step #4. Choose how you want to pay and then send
Payment options include using a credit or debit card, or a direct bank transfer.

MoneyGram Tracking Number
MoneyGram tracking number (MTCN) is provided when you send money to someone (such as family or friends) via the service.
Each transaction has a unique number called an MTCN, which is used to monitor the money online. It’s incredibly easy and convenient to track money transfers using this number.
To enable both of you to trace the money, you can also give the receiver the MoneyGram tracking number (or reference number).
MoneyGram Tracking
MoneyGram tracking allows you to track your transaction at every stage.
This is how it works:
Step #1. Go to https://secure.moneygram.com/track
Step #2. Enter your last name and reference or authorisation number on the page.
Step #3. After filling the form, click on the track button underneath.
Step #4. If you have entered the correct information, your transaction status will be displayed after clicking on the track button.
There are four primary stages to any transaction:
- Pending (the transaction has already begun)
- In progress (the money transfer is currently ongoing)
- Finished (cash is awaiting the receiver)
- Picked up (the receiver has already collected the cash).
MoneyGram Approved Agent Banks in Nigeria
MoneyGram has partnerships with ten different Nigerian banks in total. And this only implies that you can transfer or receive money through MoneyGram services at any of these collaborating banks:
- Access Bank
- Ecobank
- Enterprise Bank
- First City Monument Bank (FCMB)
- Fidelity Bank
- First Bank
- GT Bank
- Keystone Bank
- Polaris Bank
- Skye Bank
- Stanbic IBTC Bank
- Sterling Bank
- United Bank for Africa (UBA)
- Union Bank
- Unity Bank
- Zenith Bank

How to Send Money Through MoneyGram in Person
You can send money using MoneyGram in Nigeria through the following steps:
Step #1. Find MoneyGram agent location
Step #2. Bring the following information with you when you arrive at the destination:
- An ID card, if applicable.
- The recipient’s full name, which must match their ID, and their address.
- The exact amount you want to send including the transfer fee.
Step #3. Fill the transfer form
Step #4. Give the agent the filled-out form together with the necessary cash (including transfer fee).
Step #5. Send receiver the 8-digit reference number so they can pick it up.
How to Send Money Directly to a Bank Account
You need the recipient’s bank name and account number if you are sending to a bank account. Money sent to a bank account will be deposited right into the account.
Here’s how:
Step #1. Find MoneyGram agent location
Step #2. Take the following details with you when you visit the agent:
- An ID card, if applicable.
- The recipient’s full name, which must match their ID, bank name and account number.
- The location of the receiver
- The exact amount you want to send including the transfer fee.
Step #3. Complete the transfer form and give it to the agent with the amount you are sending and fees.
Step #4. Give the following recipient’s information:
- Present the senders first and last name.
- Present a valid means of identification
- Present the senders home address, street, City/Town.
- The amount you wish to send.
- The receivers address (City and Country)
- The source of Funds
- The purpose of the transfer
- The receivers Name, which must match their ID, and their address.
Step #5. Notify the receiver and give them the 8-digit reference number.
How to Receive Money Using MoneyGram in Nigeria
Step #1. Locate an agent location
Step #2. Complete a receiving form providing the following information:
- You must provide a legitimate form of identity and the reference number in order to . (Take note that a security Pin pad is provided in all agent branches for you to input this on.)
- Input the recipient’s first and last name, the anticipated value, the sender’s address, the sender’s first and last name, and the transaction’s purpose.
Step #3. Present the agent with the completed form together with a valid photo ID to obtain your money.
Please be aware that once the transfer has been sent successfully, the money is available for cash pickup within 24 hours.