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Send with Beans, Pickup with MoneyGram

Stop overpaying on hidden fees and bad rates. Send with Beans for a better deal and let your receiver pick up cash with MoneyGram.

Why beans works with moneygram

A smarter exchange rate
Our app gives you access to better exchange rates, meaning more cash Dollars arrive for your family.
No hidden fees, full transparency
The amount you see is the amount they get. No surprises.
Instant pickup with MoneyGram
We partner with MoneyGram, a trusted global network. Your money can be picked up in cash, in minutes, at thousands of locations across Latin America.
Secure transactions, peace of mind
Your security is our priority. All transfers are protected with bank‑level security and encryption, ensuring your money and data are always safe.

How it works

Step 1

Add Euros to your Beans Wallet directly from your bank account. It’s fast, simple, and secure.

Step 2

Choose the amount to send to your receiver. Beans converts your Euros to cash Dollars using a smarter exchange rate.

Step 3

Your family picks up the cash in minutes at a local MoneyGram. They just need the transfer code and a valid ID.

Moneygram fees

Extra fees apply when transferring money through the Beans app via MoneyGram, which may differ from the amount you want to transfer from cash into funds, or from funds into cash. Because MoneyGram is a third party, we can’t eliminate their fees. These are the fees regulated by MoneyGram:

Between 1 USDC and 99 USDC, the fee in USD is $2.
Example: If you transfer 50 USDC, the fee is $2.

Between 100 USDC and 999 USDC, the fee in USD is $2 + 1% of the transaction.
Example: If you transfer 120 USDC, the fee is $2 + (1% of 120 = 1.20) $1.20 = $2.20

Between 1000 USDC or higher, the fee in USD is $10 + 0.5% of the transaction.
Example: If you transfer 2500 USDC, the fee is $10 + (0.5% of 2500 = 12.50) $12.50 = $22.50.

Cash pickup at thousands of MoneyGram locations

Beans works with MoneyGram to offer instant cash deposits and withdrawals at thousands of locations worldwide. Send or receive money quickly and easily, no bank account needed.

What our users say

"Living in Argentina, I’ve seen how fast the Peso can lose value. With Beans, I moved my money into USD and finally felt like I had financial stability again. The best part? The APY rate is usually even higher than 10%, and I can withdraw anytime. No hidden fees, no bureaucracy! Just what I earn working for me, every single day."

Marketing Consultant, Argentina

"I started using Beans Earn just to try it out, and now it’s part of my monthly routine. Watching my balance grow daily, without locking my money or jumping through hoops, feels incredibly empowering. It’s like having a smart earning tool that actually works for me."

Freelance Designer, Portugal

"With local inflation eating away at my money, Beans Earn has been a game-changer. I keep my funds in USD and Euro and earn APY every day. It’s stable, transparent, and gives me real peace of mind. Highly recommended for anyone in emerging markets."

Teacher English, Nigeria

Why use
Beans App?

With Beans:

Daily earnings. Full control.
No-fees money transfers
No-fees crypto investing
No limits. No lockups.
Get up to 10.00% APY
Impressive exchange rates

People like you EARN WITH beans

500%
User growth year over year
1.9+ million
transactions completed
40.7+ million
in funds handled

AWARD WINNING

The Stellar Development Foundation is the non-profit behind the Stellar Blockchain. Every year, it awards it's Stellar Community Fund Award to companies that support it's mission: to create equitable access to the global financial system. Beans App has won the Stellar Community Fund Award twice.

Beans App is also one of the only four digital wallets that have been approved for the MoneyGram Access Program.

Partner
Official MoneyGram integration partner
2x Winner
Winner of Stellar Community Fund

Frequently
Asked questions

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What is Beans and what can I do with it?
I just downloaded Beans app. Where do I start?
Is Beans safe?
How much money can I send?
Are there any fees?
Why does the exchange rate change?
How can you offer such high yields?
Do I need a referral code?
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How does a bank deposit work?
How do I deposit money into Beans from a specific country?
How do MoneyGram deposits work?
Is there a maximum MoneyGram limit?
What's the minimum deposit?
My deposit is still pending. What should I do?
What should I do if I forgot to include the memo in my withdrawal?
How can I withdraw money from Beans?
Where do I find my reference number for MoneyGram withdrawal?
Is there a maximum MoneyGram limit?
How do I withdraw through MoneyGram?
Does MoneyGram apply extra fees on your transfers?
How do international transfers work? For example sending money from Spain to Argentina.
Is it possible to reverse my transfer?
Why are the bank transfers not always immediate?
How do I send money from a specific country?
Can I receive payments directly from external sources, into my Beans account without using partners like Anclap?
How do I create a Money Request?
How can I share my Money Request?
Is the Money Request feature secure?
Are there any fees for using the Money Request feature?
How quickly will I receive the requested funds?
How does account recovery work?
What should I do if I’m experiencing issues with the Beans app?
What should I do if my ID validation was unsuccessful?
Do I have an IBAN using Beans?
Do I have a CBU using Beans?
Can I link my Beans username to external payment platforms to streamline transactions?
Is KYC required?
Which cryptocurrencies does Beans support?
How can I buy cryptocurrencies with Beans?
Are there any fees associated with buying cryptocurrencies?
How can I withdraw my cryptocurrency earnings?
How secure is it to store cryptocurrencies in Beans?
Where can I get help with cryptocurrency transactions?
What exactly is Beans Earn?
How can you pay up to 10 % when banks pay 1–2 %?
Where does the yield come from?
Is 10 % APY guaranteed?
How often are earnings paid?
What currencies can I deposit?
Can I withdraw anytime?
How do withdrawals work?
Do I need crypto knowledge?
Do I remain in self-custody?
Is my money safe?
What if a borrower doesn’t pay back?
Can I lose money with Beans Earn?
How safe are the smart contracts?
Is KYC required?
Where is the company regulated?
What happens if Beans Earn disappears tomorrow?
How can I track my performance?
What risks should I know about?