MoneyGram vs Revolut: Fees, Rates & Speed Compared
MoneyGram ahead on GBP → EUR, GBP → PKR; Revolut on USD → PHP, USD → MXN.
MoneyGram
Won 2 of 4 routes here
4.0
Revolut
Won 2 of 4 routes here
4.7A Revolut balance can be the starting point for a family allowance, while a MoneyGram transfer may involve its own funding and collection arrangements. Identify every step between your available money and the recipient’s intended expense.
Live comparison: MoneyGram vs Revolut across popular corridors
Recipient payout route by route, MoneyGram against Revolut, from collected quotes (not guaranteed).
| Corridor | MoneyGram | Revolut | Winner |
|---|---|---|---|
| USD → INR($1,000) | — | ₹94,790.12 | N/A |
| GBP → EUR(£1,000) | €1,183.05 | €1,169.34 | MoneyGram (+€13.71) |
| USD → PHP($500) | ₱31,207.42 | ₱31,777.63 | Revolut (+₱570.21) |
| USD → MXN($1,000) | MX$18,462.46 | MX$18,568.74 | Revolut (+MX$106.28) |
| GBP → PKR(£500) | ₨184,352.36 | ₨183,077.88 | MoneyGram (+₨1274.48) |
| USD → NGN($200) | — | — | N/A |
MoneyGram vs Revolut: Feature comparison
| Feature | MoneyGram | Revolut |
|---|---|---|
| Overall rating | 4.0/5 (Good) | 4.7/5 (Excellent) |
| Fee structure | From $1.99 to $11.99+ | £1,000/month, then 1% (Standard) |
| Exchange rate markup | 1% - 3% above mid-market | Own rate; weekend fee |
| Transfer speed | Minutes to 3 days | Instant to 3 days |
| Supported countries | 200+ | 150+ |
| Supported currencies | 50+ | 36+ |
| Max transfer | $10,000 | No limit |
| Delivery methods | Bank Deposit, Cash Pickup, Mobile Wallet | Bank Deposit, Revolut Account |
| Regulators | FinCEN, FCA | FCA, ECB, FinCEN |
Funding an allowance from the account you already use
If considering a card-funded MoneyGram transfer, check the final card debit and the recipient payout together. Compare that with the full debit for the proposed Revolut transfer. Avoid counting an existing currency conversion twice, or overlooking a new conversion triggered by the funding currency.
Cash paid at a MoneyGram agent, or e-money held by Revolut
MoneyGram's online service for UK residents is run by MoneyGram International Limited in Canary Wharf, which its UK terms describe as a payment institution authorised by the FCA for money remittance, reference 502639, and licensed by HMRC as a money services business. The terms cover sending online and paying with cash, and the cash option is what sets MoneyGram apart here. You can pay by card, or create the transfer online and pick a MoneyGram agent where you will hand over the send amount and the fee in cash; MoneyGram then emails, or shows in its app, a QR code or other number for the agent. If the cash is not paid within 48 hours, the transfer is cancelled, and only the sender may pay it, showing the same identity document used to set up the profile.
The personal terms Revolut issued for the UK on 11 December 2025 describe adding money from a card registered in your own name or by bank transfer to the account details the app shows for each currency, and an auto-add that tops up from your stored card when the balance falls below a level you choose. The account holds e-money issued by Revolut Ltd, which Revolut keeps safeguarded until you spend, withdraw or send it. If Revolut became insolvent, an insolvency practitioner would pay customers their e-money balances from its client money accounts, after the costs of the insolvency and ahead of anyone else. The terms add that the Financial Services Compensation Scheme does not cover the account, because the money is safeguarded instead.
Changing your mind also differs. MoneyGram treats a transfer as irrevocable once it accepts it, but lets you cancel while the money has not been collected or credited, and then refunds only the send amount, not the fee.
MoneyGram vs Revolut: your questions
Can a MoneyGram exchange rate change after I send from the UK?
Sometimes. MoneyGram's UK terms say its rate is based on closing rates in global financial markets plus a margin. In some countries local rules mean the currency is only converted when the money is collected, so the rate you see before sending is an estimate and the amount received can change. For a cash pickup outside the EEA stated in US dollars, at a location that does not pay out dollars, the money is converted into local currency at MoneyGram's or the agent's standard rate.
How does MoneyGram handle a complaint from a UK sender?
MoneyGram's UK terms promise a final response within 15 business days of receiving a complaint or, in exceptional circumstances, a holding reply in that time setting a deadline no later than 35 business days after the complaint. Written complaints go to its Resolution Assurance Department in Warsaw. With no final response, or one you disagree with, you can go to the Financial Ombudsman Service. Report an unauthorised or wrongly executed transfer without undue delay, and never later than 13 months after MoneyGram accepted it.
Can Revolut limit how much I add, send or exchange?
Yes. Revolut's UK personal terms say it may limit how much you can receive into or pay from your account, how much you can withdraw or spend on your card, and how much currency you can exchange at once or over a period, with the current limits set out in its FAQs. It also asks that money paid in uses the account's own currency: a payment in another currency is converted, so you may be credited more or less than expected, and Revolut does not cover that loss.