MoneyGram virus: what it is and how to remove it
MoneyGram is a type of computer infection that belongs to the well-known FBI virus category. These types of infections are designed to lock victims' screens, and it is considered to be a primary form of modern ransomware.
Facts checked October 7, 2026. Removal steps tested on Windows 11 (26H2) and checked against Microsoft's and the browser makers' current documentation. Sections marked as our earlier report are the original text: they describe the threat as it was then and have not been reviewed since. The 2026 status, the removal steps and the questions are current.
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MoneyGram virus: summary
| Name | MoneyGram virus |
|---|---|
| Type | Screen-locking malware, ransomware, scam |
| Family | FBI virus |
| Infiltration | Malware can be spread in various different methods, including spam emails, exploits, software cracks, fake updates, etc. |
| Aim | To make users believe that they committed a cyber crime and need to pay a fine to allegedly drop all the charges and unlock their PCs |
| Symptoms | The computer screen is locked and normal Windows functions disabled, including Task Manager, Start menu, and others |
| Removal | Scan the PC with security software to find and remove the malware and anything installed with it. Fortect scans Windows for malware and repairs the system files and settings it damaged. Remove it nowTo use the full-featured product, you have to purchase a license for Fortect. The scan is free. |
Show 14 more facts
| Dangers | Money loss, sensitive information disclosure, infection of other malware |
|---|---|
| Payment | Crooks ask to pay up to $300 via the MoneyGram or MoneyPak vouchers |
| Malware removal | Access Safe Mode with Networking and scan your computer with anti-malware software |
| Detection names | No Microsoft detection name is known |
| Ransom note | Not named in our report; the text of the note is not in our records |
| Contact | Not recorded in our earlier report |
| Encrypted file extension | Not recorded in our earlier report |
| Decryptor | No free decryptor is known for this variant; check No More Ransom (nomoreransom.org) for updates |
| Distribution | Not recorded in the old report |
| Damage | Not recorded in the old report |
| Evidence | 4 write-ups by security sites; details still limited |
| Free decryptor | No free decryptor is known (checked 7 October 2026) |
| First seen | 22 March 2021 |
| Facts checked | 7 October 2026 |
From our report of Mar 2021 · not reviewed since
More from our earlier report on MoneyGram virus
- Malware heavily modifies Windows system files, which may sometimes corrupt them, causing lag, crashes, and other issues.
- Illegal access has been initiated from your PC without your knowledge or consent, your PC may be infected by malware, thus you are violating the law On Neglectful Use of Personal Computer.
How MoneyGram virus behaves
From our report of Mar 2021 · not reviewed since
MoneyGram virus is a screen locking malware that seeks to threaten users and make them pay fake fines
MoneyGram is a type of computer infection that belongs to the well-known FBI virus category.
These types of infections are designed to lock victims' screens, and it is considered to be a primary form of modern ransomware. However, unlike regular ransomware, this virus displays a threatening (but fraudulent) message, which is allegedly provided by a federal law authority, such as the FBI, or International Cyber Security Protection Alliance.
A lengthy MoneyGram virus message accuses users of extremely serious crimes, such as the distribution of copyrighted content, child pornography, and other misconducts; Allegedly, to unlock their computers, users must pay a fine to the law authorities, and the payment can only be transferred via the anonymous MoneyPak or MoneyGram services.
As evident, the notification is entirely fake and is trying to impact the human emotion of fear in order to make users pay up to $300 for a crime that did not commit. In other words, the virus is a scam, and you should not believe a word that is said inside the message.
Evidently, MoneyGram virus developers are heavily using social engineering in order to make users believe that they are guilty of a crime, and they compiled an extensive message, backing it up with clauses of Criminal Code of the United States. If that is not enough, malicious actors also threaten with various jail times for the alleged crimes, as well as fines that go up to $500,000.
When caught off guard, victims may panic and transfer the required sum. However, the action will not help them remove MoneyGram virus lock screen, and they will soon realize that they have been scammed. Therefore, the first step once infected and seeing the fake alert is not to panic, and think everything over before proceeding with any actions, or you may face money loss.
First of all, you should apply some logical thinking when dealing with online fraud like MoneyGram scam, for example:
Besides, some of the statements provided in the MoneyGram virus message are absurd, although unaware users might be convinced regardless:
There are several different versions of this virus, although all of them seek the same goal (to scam users and make them pay money) and operate identically. You can remove them using anti-malware tools that can detect all the components. You can try or for this job.
To make the scam more believable, MoneyGram lock screen authors hijack the installed camera and also display the Location, ISP, operating system information, and the username of the computer to victims. Once again, there is no need to panic, as these are simple tricks employed by malware (checking basic information about computers is not a hard task).
MoneyGram virus may be called ransomware, although it does not lock personal files with an encryption algorithm like modern-day malware (e.g., Nppp virus) does.
Instead, it initiates processes that disable several Windows functions (such as Task Manager, taskbar, etc.) and locks the computer screen, preventing users from accessing their computers and using it in any way. In a sense, screen-lockers are relatively less dangerous than file-lockers, as full access can be regained as soon as malware is terminated.
However, you may face a problem with MoneyGram virus removal, as you cannot access the computer as you normally would. To bypass this functionality, you should access Safe Mode as explained below, scan that machine with anti-malware software and then repair virus damage with to avoid Windows OS reinstallation.
- Why would FBI accuse you of a serious crime, threaten you with $500,000 fine or jail time, and then let you get away with merely a few hundred dollars?
- Nobody has the right to lock your computer remotely without your permission - it is a crime on itself;
- FBI and other authorities would not accept fines being paid via vouchers or other ridiculous methods - these transactions would have to be performed via a credit card, in cash or other legitimate methods;
- Closely examine the text - you will see grammar and spelling mistakes.


From our report of Mar 2021 · not reviewed since
Avoid malware infections in the future
There are dozens of methods that threat actors can use in order to propagate malware to as many users as possible, as it increases the chances that they will believe the scam and pay the money asked. While distribution techniques range from simplistic to sophisticated ones, it is highly likely that screen-locking malware is delivered by employing these methods:
- Spam email attachments or links. To avoid these, never allow the attachments to run macro function, and never open them without scanning it with anti-malware software. Accordingly, hover your mouse over the hyperlink to see its real destination;
- Fake Flash Player updates. Flash is such a popular piece of software that it is embedded within users' memories and often sparks a sense of legitimacy. However, this plugin is often used in various scam schemes and is riddled with vulnerabilities. You never need to download Flash as a regular computer user; Software cracks, cheats, or pirated application installers. Software cracks are known to deliver malware, including ransomware. There is no way to check whether these tools include malicious payload, as security software will always flag is as malicious due to its functionality (it is programmed to bypass certain software features and break its defenses);
- Peer-to-peer networks and torrent sites. Not only the downloads on these sites may be infected, but also various malicious ads and fake "Download" buttons. You should use these websites very carefully - always double-check if the file is appropriate format and use ad-block when visiting these.

The MoneyGram virus ransom note
We did not record the full text of the ransom note in our report.
How to remove MoneyGram virus
Tools you'll need
All of these are free except where noted. Download them on a clean device if the infected PC is offline.
- A USB stick: to keep the ransom note, two or three encrypted files and screenshots off the infected PC.
- Microsoft Defender Offline: built into Windows 11 and Windows 10; scans before Windows starts, so running malware cannot hide.
- Microsoft Safety Scanner: a second, portable scanner with current signatures; each download works for 10 days.
- ID Ransomware: identifies the family from the note and one encrypted file and says whether a decryptor exists.
- No More Ransom: the free decryptors from police and security companies; check it again every few months.
- Fortect (optional): scans Windows for malware and repairs the system files and settings it damaged. The free scan is in the box above.
How to remove MoneyGram virus and get your files back
Work in this order.
Disconnecting comes first, removal comes before any restore, and nothing here asks you to contact the attackers.
Step 1: Disconnect the PC and unplug backup drives
MoneyGram virus encrypts everything it can reach, including drives and shares you connect later. Cut the network first: cable out, or Wi-Fi off from the taskbar.
Then unplug every USB stick and backup disk and pause cloud sync, so the encrypted versions do not replace your online copies. Do not reconnect any of them until the ransomware is removed from the Windows 11 or Windows 10 PC.

Windows 11: turn off Wi-Fi to take the PC offline. Full procedure with screenshots: Ransomware: first steps, finding a decryptor and recovering files
Step 2: Save the ransom note and identify the family
Find the ransom note, usually a
.txt,.htmlor .hta file in every folder or on the desktop, and copy it with one or two encrypted files to a USB stick.From another device, upload them to ID Ransomware or No More Ransom's Crypto Sheriff, which name the family from the note and the file extension. Write down the contact address and your personal ID from the note for the report.
Warning: Never contact the attackers from the infected Windows 11 or Windows 10 PC.

Windows 11: the ransom note and encrypted files to copy for identification. Full procedure with screenshots: Ransomware: first steps, finding a decryptor and recovering files
Step 3: Check for a free decryptor
For MoneyGram virus, no free decryptor is known (checked 7 October 2026). Search the family name in the No More Ransom decryption tools list and in the free decryptors of Emsisoft, Avast and Kaspersky, because new tools appear years after an attack.
Important: Keep the encrypted files even if nothing works today, and do not pay before every free option is ruled out: payment does not guarantee a working key.
Decryptors run on Windows 11 and Windows 10, but only after the ransomware itself is removed.
Full procedure with screenshots: Ransomware: first steps, finding a decryptor and recovering files
Step 4: Remove the ransomware before you restore or decrypt
Restoring or decrypting files while MoneyGram virus still runs lets it encrypt them again. Run a Full scan in Windows Security > Virus & threat protection > Scan options, then the Microsoft Defender Antivirus (offline scan).
If the ransomware blocks Windows Security, start Safe Mode with Networking and scan from there. Some families install a password stealer as well, so let both scans finish on Windows 11 or Windows 10.

Windows 11: Windows Security > Virus & threat protection > Scan options. Full procedure with screenshots: Run a Microsoft Defender Offline scan
Step 5: Look for shadow copies of the files
Open Command Prompt as administrator and run
vssadmin list shadows. If it lists copies dated before the attack, right-click a folder with encrypted files in File Explorer, choose Properties > Previous Versions, and open or restore a version from before that date.ShadowExplorer, a free tool, shows the same copies when the tab is empty or hidden. Most current families delete shadow copies, so an empty list is normal, but the check takes two minutes on Windows 11 or Windows 10.

Windows 11: vssadmin list shadows shows whether shadow copies exist. Full procedure with screenshots: Ransomware: first steps, finding a decryptor and recovering files
Step 6: Restore the files from a backup or recover deleted originals
Restore from an external backup, File History or OneDrive's version history, choosing a date before the attack. Connect the backup drive only after the scans are clean, or the ransomware encrypts it too.
If there is no backup, file recovery software can sometimes find the deleted originals, because some ransomware writes an encrypted copy and deletes the original file.
Stop writing to the drive and try recovery on Windows 11 or Windows 10 before new files overwrite the space.
Full procedure with screenshots: Recover deleted files (Recycle Bin, backups, OneDrive) On uGetFix
Instructions for each browser and system
The detailed steps for every browser and system this guide covers. Open the one you use.
Manual removal using Safe Mode
Important! →
Manual removal guide might be too complicated for regular computer users. It requires advanced IT knowledge to be performed correctly (if vital system files are removed or damaged, it might result in full Windows compromise), and it also might take hours to complete. Therefore, we highly advise using the automatic method provided above instead.
Step 1. Access Safe Mode with Networking
Manual malware removal should be best performed in the Safe Mode environment.
Windows 7 / Vista / XP
- Click Start > Shutdown > Restart > OK.
- When your computer becomes active, start pressing F8 button (if that does not work, try F2, F12, Del, etc. - it all depends on your motherboard model) multiple times until you see the Advanced Boot Options window.
- Select Safe Mode with Networking from the list.

Windows 10 / Windows 8
- Right-click on Start button and select Settings.

- Scroll down to pick Update & Security.

- On the left side of the window, pick Recovery.
- Now scroll down to find Advanced Startup section.
- Click Restart now.

- Select Troubleshoot.
- Go to Advanced options.

- Select Startup Settings.

- Press Restart.
- Now press 5 or click 5) Enable Safe Mode with Networking.

Step 2. Shut down suspicious processes
Windows Task Manager is a useful tool that shows all the processes running in the background. If malware is running a process, you need to shut it down:
- Press Ctrl + Shift + Esc on your keyboard to open Windows Task Manager.
- Click on More details.

- Scroll down to Background processes section, and look for anything suspicious.
- Right-click and select Open file location.

- Go back to the process, right-click and pick End Task.

- Delete the contents of the malicious folder.
Step 3. Check program Startup
- Press Ctrl + Shift + Esc on your keyboard to open Windows Task Manager.
- Go to Startup tab.
- Right-click on the suspicious program and pick Disable.

Step 4. Delete virus files
Malware-related files can be found in various places within your computer. Here are instructions that could help you find them:
- Type in Disk Cleanup in Windows search and press Enter.

- Select the drive you want to clean (C: is your main drive by default and is likely to be the one that has malicious files in).
- Scroll through the Files to delete list and select the following:
Temporary Internet Files
Downloads
Recycle Bin
Temporary files - Pick Clean up system files.

- You can also look for other malicious files hidden in the following folders (type these entries in Windows Search and press Enter):
%AppData%
%LocalAppData%
%ProgramData%
%WinDir%
After you are finished, reboot the PC in normal mode.
From our report of Mar 2021 · not reviewed since
Remove MoneyGram virus
MoneyGram virus removal task may not be that easy, especially for less experienced computer users.
However, one thing is clear: you need to employ a powerful anti-malware program for help, as finding all the malicious components and files is almost impossible for a regular computer user. You can rely on or . However, you cannot access your screen, so you cannot run anti-virus in a regular mode.
Instead, you need to insert an anti-malware software installer into a USB Flash o another external storage device, enter Safe Mode with Networking, install the application, and then perform a full system scan. We explain how to reach the Safe Mode below.
After you remove MoneyGram virus, you may still face various computer issues, as malware-affected files might get corrupted.
Note: if your Android device was infected with the MoneyGram lock screen virus, check out this solution.
[GI=method-1]To temporarily disable MoneyGram virus, access Safe Mode with Networking:
Report it and recover your files
Report it
Report the attack even if you do not expect the files back: insurers and banks ask for the report number, and police use the contacts in the note to link cases.
- United States
- FBI IC3 · FTC ReportFraud
- United Kingdom
- Report Fraud (formerly Action Fraud) · NCSC
- Australia
- ReportCyber (ASD)
- EU countries
- Europol: national reporting sites
Give the victim ID, the note and the date the files were encrypted. A business that holds personal data may also have to notify its data protection authority, in the EU within 72 hours.
Make the next attack harmless
MoneyGram virus could only hurt the files that had no second copy, and the signs (moneyGram virus in the list of installed apps) showed exactly which ones those were.
The 3-2-1 rule fixes that:
- three copies
- two media
- one disconnected
A practical version for a home PC: OneDrive or another cloud backup with version history, plus an external disk that you plug in once a week for File History and then unplug. Test a restore now and then by opening a few files from the backup on another device.
Details, schedules and what not to back up are in our 3-2-1 backup guide for Windows.
Access your website securely from any location
When you work on the domain, site, blog, or different project that requires constant management, content creation, or coding, you may need to connect to the server and content management service more often. The best solution for creating a tighter network could be a dedicated/fixed IP address.
If you make your IP address static and set to your device, you can connect to the CMS from any location and do not create any additional issues for the server or network manager that needs to monitor connections and activities. VPN software providers like can help you with such settings and offer the option to control the online reputation and manage projects easily from any part of the world.
Recover files after data-affecting malware attacks
While much of the data can be accidentally deleted due to various reasons, malware is one of the main culprits that can cause loss of pictures, documents, videos, and other important files.
More serious malware infections lead to significant data loss when your documents, system files, and images get encrypted. In particular, ransomware is is a type of malware that focuses on such functions, so your files become useless without an ability to access them.
Even though there is little to no possibility to recover after file-locking threats, some applications have features for data recovery in the system. In some cases, can also help to recover at least some portion of your data after data-locking virus infection or general cyber infection.
Questions about MoneyGram virus
When will a decryptor for MoneyGram virus be released?
Nobody can promise a date. When we last checked, on 7 October 2026, no free decryptor is known. Decryptors usually appear after one of three events:
- police seize the attackers' servers and keys
- the authors leak or publish the master keys
- researchers find a mistake in how the ransomware generates keys
Some families got a tool within weeks, others never. Keep the encrypted files and the note on an external drive, check No More Ransom every few months, and follow news about the MoneyGram virus family. A decryptor may need an original file, so keep any unencrypted copies too.
Should I pay the ransom?
We advise against it, and so do the FBI, Europol and national cyber agencies. Payment does not guarantee a working tool: some attackers never reply, some tools damage files, and some variants have no decryptor at all. Paying also funds further attacks and can make you a target again.
Before considering payment, try every recovery option in this guide and report the attack. Companies must involve their legal adviser and insurer, because payments to sanctioned groups can be illegal. If files are truly irreplaceable, store the encrypted copies and wait; decryptors sometimes appear later.
How did MoneyGram virus get on my computer?
The way MoneyGram virus spreads has not been documented yet, so look at your own recent activity. On home PCs, ransomware most often comes with cracked programs, game cheats, key generators and fake updates, or with an e-mail attachment that was opened. On business networks, attackers usually log in through Remote Desktop with a stolen or guessed password.
Think back to what was downloaded or installed in the days before moneyGram virus in the list of installed apps, and check the Downloads folder and Installed apps sorted by date. Keep anything suspicious for your report, but do not run it again.
Can a data-recovery company decrypt my files for a fee?
Only if a decryptor already exists or the company pays the attackers for you. Some "ransomware recovery" services advertise that they can decrypt families with no known flaw; in practice they negotiate with the attackers and add their own fee. Others use the same free tools listed on No More Ransom.
Before you hire anyone, ask in writing how they will recover the files, whether they will contact the attackers and what happens if they fail. A legitimate service answers clearly. If a free decryptor exists for your family, you can run it yourself.
Did MoneyGram virus steal my files or passwords?
We do not know yet. Nothing published so far shows data theft by MoneyGram virus, but the only confirmed sign is moneyGram virus in the list of installed apps, which says nothing about what happened before. Many current ransomware attacks copy files or run a password stealer first, so it is wise to act as if they did.
From a clean device, change the passwords that were saved in the browsers on this PC, starting with e-mail and banking, sign out of all sessions and turn on two-step verification. Watch bank statements and account activity for the next few weeks.
Is MoneyGram virus the same as other ransomware with a similar name?
Not necessarily. Ransomware names come from the file extension, the note or a word in the code, so unrelated families often end up with similar names, and one family can appear under several names. The difference matters: a decryptor or advice for one family does not fit another and can damage files.
Compare the ending added to your files and the exact name of the note with the summary table at the top of this guide, then upload the note and one encrypted file to ID Ransomware from a clean device. If the result names another family, follow the guide for that family instead.
Will my files be deleted if I do not pay in time?
Almost never. Threats to delete files after a countdown are mostly bluff; the encrypted files sit on your disk, and the attackers cannot reach them once the PC is disconnected and cleaned.
A few old families did delete files on a timer while they were still running, which is another reason to remove the ransomware quickly. Copy the encrypted files to an external drive as a safeguard, run the offline scan, and then take your time with recovery and reporting.
How do I open my .docx, .jpg and other files locked by MoneyGram?
You cannot open locked files normally while they stay encrypted, and renaming them will not help. Our earlier report did not record the extension that MoneyGram adds, so check one locked file name and the ransom note for it.
No free decryptor is known for this variant; check No More Ransom (nomoreransom.org) for updates. Do not rename the files, change the extension or edit them, because that can make recovery harder. Copy the locked files to an external drive before you clean the system, so a decryptor released later still has them.
Will Fortect remove MoneyGram virus?
Fortect scans Windows for malware and unwanted programs and repairs the system files and settings they change, and its free scan shows what it finds on your PC before you decide anything.
For MoneyGram virus, follow the plan above as well: the browser steps take back permissions and settings that no scanner treats as a threat, and uninstalling the program that brought it removes the source.
Run Microsoft Defender's full scan and, if anything was found, its offline scan as a second opinion. If the symptoms are gone after the plan and both scans are clean, there is nothing more to do.
Sources
- NetSec: STOP Ransomware Delivered via Software Cracks (read October 7, 2026)
- CISA: StopRansomware (read October 7, 2026)
- No More Ransom (read October 7, 2026)
- FTC: How to recognize, remove and avoid malware (read October 7, 2026)
- Microsoft Learn: Microsoft Defender Offline (read October 7, 2026)