To send money, the Sender simply visits a MoneyGram or Western Union outlet, completes a form, hands the form and the cash to the cashier, and is given a confidential transfer number. (MoneyGram uses an 8-digit Reference Number; Western Union uses a 10-digit Money Transfer Control Number (MTCN)). To send money to certain countries also requires a Test Question and Answer. There are limits on the amount of cash that may be sent and these differ by country.