Getting your money out of a money order works the same as with any type of check. You have two options. The first, you deposit the money into your bank account or allow your bank to cash it for you. The second, you can cash your money order any place that cashes money orders.

So, “Where can I cash a Western Union money order?” You can cash a WU MO at the following places we’ve uncovered for you…

In This Article

  • Can Money Orders Be Cashed at Any Place That Sells Money Orders?

  • Can Money Orders Be Cashed at Any Place That Cashes Money Orders?

  • Do Money Order Cashing Places Have Limits on the Amount of Money Orders They Will Cash?

  • Places That Cash Western Union Money Orders

    • Banks/Credit Unions That Cash Western Union Money Orders
    • Check Cashing Stores That Cash Western Union Money Orders
    • Convenience Stores/Gas Stations That Cash Western Union Money Orders
    • Grocery Stores That Cash Western Union Money Orders
    • Pharmacies That Cash Western Union Money Orders
    • Western Union Offices
  • Places Reported to Cash Western Union Money Orders

  • How to Find Local/Regional Places That Cash Western Union Money Orders

  • Places That Do Not Cash Western Union Money Orders

Can Money Orders Be Cashed at Any Place That Sells Money Orders?

No, you cannot cash your money order at all places that sell money orders. Cashing a money order is a little different from buying them because the business has to keep large amounts of cash on hand. And while many places do cash money orders, they may not be able to cash yours that day, if they have already cashed too many money orders or checks ahead of yours. Locations can and do run out of cash. And while banks and credits unions do sell and cash money orders for customers, those without an account will have a hard time finding a bank to cash their money order.

Can Money Orders Be Cashed at Any Place That Cashes Money Orders?

Not all places cashing money orders will cash money orders of any type. Banks and check cashing places will often cash money orders of all types. While banks usually require you have an account with them to cash money orders of all types, check cashing places rarely have any restrictions. For all the other location types, you will need to cash your money order at a place that cashes your type of money order.

Do Money Order Cashing Places Have Limits on the Amount of Money Orders They Will Cash?

Yes, most money order cashing locations do have limits on the size of money orders that can be cashed. The amounts range from $300 to unlimited, depending on the location.

Places That Cash Western Union Money Orders

Probably the best place to cash a Western Union money order is at a Western Union office. Western Union shouldn’t have any trouble cashing one of their own money orders, and unlike many other locations, they should have staff on hand that can answer questions or help with any issues that arise. The following are places that will cash a Western Union money order:

Banks/Credit Unions That Cash Western Union Money Orders (No Account Necessary)

Anyone with a checking account will be able to cash or deposit a money order from Western Union with their usual bank or credit union. But those without a bank account will have a hard time finding a bank to cash their money order. In our search, we were only able to find two banks that will cash Western Union money orders for customers without an account.

TD Bank

  • Hours: Monday through Thursday, 9 am to 5 pm, most locations. Friday, 9 AM – 6 PM, most locations. Saturdays, 9 AM – 1 PM, some locations.
  • Locations: TD Bank is located primarily on the East coast
  • Payment types accepted: Cash, PIN Debit cards
  • Purchasing money orders
    • Maximum order sold: Amount unknown. Contact local branch for details
    • Cost to purchase: Free with account. Fees may apply without account. Contact local branch for details.
  • Cashing money orders
    • Maximum order cashed: Amount unknown. Contact local branch for details.
    • Cost to cash: Free with account; $7.00 without an account.
  • Visit this page of the TD Bank website to learn more

Old Second Bank

  • Hours: Many locations open 24 hours, 7 days a week, except holidays.
  • Locations: Old Second Bank is located primarily in the Chicagoland area.
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: Amount varies by location.
    • Cost to purchase: Unknown. Contact nearest location for details.
  • Cashing money orders
    • Maximum order cashed: $1,500
    • Cost to cash: $5 for less than $500: 1% of face value for over $500.
  • Visit this page of the Old Second website to learn more

Check Cashing Stores That Cash Western Union Money Orders

Amscot

  • Hours: Most locations open 24 hours, 7 days a week, except holidays
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: Unlimited
    • Cost to purchase: Free
  • Cashing money orders
    • Maximum order cashed:  Varies by location, contact local office for details
    • Cost to cash:  Fees are posted in the store. Contact local office for details
  • Visit this page of the Amscot website to learn more.

Money Mart

  • Hours: Most locations open 24 hours, 7 days a week, except holidays
  • Payment types accepted: Cash only
  • Purchasing money orders
    • Maximum order sold: $1,000
    • Cost to purchase: Varies by location, contact your local office for details
  • Cashing money orders
    • Maximum order cashed: Varies by location, contact local office for details
    • Cost to cash: Fees range from 1 to 3 percent of the amount of the money order, depending on location
  • Visit this page of the Money Mart website to learn more

Convenience Stores/Gas Stations That Cash Western Union Money Orders

7-Eleven

  • Hours: Open 24 hours a day, 7 days a week.
  • Payment types accepted: Cash, debit card, credit card (American Express, MasterCard, Visa), and prepaid cards
  • Purchasing money orders
    • Maximum order sold: Between $500 and $1,000
    • Cost to purchase: 1 to 3 percent of the money order amount, with a minimum fee of $0.65
  • Cashing money orders
    • Maximum order cashed: $500
    • Cost to cash: Varies by location, contact local office for details
  • Visit this page of the 7-Eleven website to learn more

Grocery Stores That Cash Western Union Money Orders

Family Fare

  • Hours: Most locations open 6 AM – 11 PM
  • Payment types accepted: Cash or PIN debit card
  • Purchasing money orders
    • Maximum order sold: $500
    • Cost to purchase: Up to $500 for $0.70
  • Cashing money orders
    • Maximum order cashed: $500
    • Cost to cash: Varies by location
  • Visit this page of the Family Fare website to learn more

King Soopers

  • Hours: Many King Soopers locations are open 24 hours, 7 days a week, with exceptions on holidays. Check local store to verify.
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: $1,000
    • Cost to purchase: Fees start at $0.70 (check online coupon section before purchase for possible cheaper fees)
  • Cashing money orders
    • Maximum order cashed: $2,000
    • Cost to cash: $1 for up to $150; $3 for $150.01 to $2,000
  • Visit this page of the King Scoopers website to learn more

Kroger

  • Hours: Vary by location
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: $1000
    • Cost to purchase: Fees start at $0.70
  • Cashing money orders
    • Maximum order cashed: $950
    • Cost to cash: Fees range from $3 to $5 depending on the amount of the money order. This may vary by location.
  • Visit this page of the Kroger website to learn more

Safeway

  • Hours: Vary by location
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: $1,000
    • Cost to purchase: Fees start at $0.70
  • Cashing money orders
    • Maximum order cashed: $1,499
    • Cost to cash: Fees are $2.25 for every $200
  • Important note: Safeway will only cash money orders that were issued within the last 7 days.
  • Visit this page of the Safeway website to learn more

Pharmacies That Cash Western Union Money Orders

Rite-Aid

  • Hours: Most locations open 24 hours a day, 7 days a week
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: $500
    • Cost to purchase: Fees start at $0.70
  • Cashing money orders
    • Maximum order cashed: $300
    • Cost to cash: Fees range from 1 to 3 percent of the amount of the money order, depending on location and could also incur a cash advance fee
  • Visit this page of the Rite-Aid website to learn more

Western Union Offices

  • Hours: Vary by location
  • Payment types accepted: Cash, PIN debit cards
  • Purchasing money orders
    • Maximum order sold: Varies by location, contact local office for details
    • Cost to purchase:  Fees start at $0.50 to $1.50 or more, depending on location
  • Cashing money orders
    • Maximum order cashed: Varies by location, contact local office for details
    • Cost to cash: Fees range from 1 to 3 percent of the amount of the money order, depending on location
  • Visit this page of the Western Union website to learn more

Places Reported to Cash Western Union Money Orders

There are numerous places that are reported to provide some kind of Western Union money order services, but haven’t published details about whether they cash money orders as well as sell them, or how much those services cost. The following are chains with at least some locations that have partnered with Western Union. They may cash Western Union money orders, but you’ll need to get in touch with your nearest location to find out about limits and fees.

  • Check Into Cash
  • Check N Go
  • CheckSmart
  • Food City
  • Fry’s
  • Giant Eagle
  • Kmart
  • Pay-O-Matic
  • Pilot Flying J
  • Ralphs
  • Speedy Cash
  • Thorntons
  • Vons
  • Walgreens

How to Find Local/Regional Places That Cash Western Union Money Orders

Plenty of places sell Western Union money orders; far fewer will cash them. If none of the above locations are convenient to you, try using the Agent Location Finder tool on Western Union’s website. This allows you to set the location of your search to your local area, as well as to specify the criteria that you’re looking for (money transfer, prepaid card sales, Quick Collect, money order, etc.). The hours are typically listed for each agent location. Once you’ve found an office that’s close to you, we advise that you call ahead to make sure that they can cash a money order in the amount needed. They’ll also be able to tell you in advance how much it will cost you to cash the money order, so you won’t be hit with any surprise fees when you arrive.

Places That Do Not Cash Western Union Money Orders

To save you as much time and hassle as possible, we’ve compiled a list of places that will not cash a Western Union money order. The following are stores that do not cash Western Union money orders:

  • Costco
  • Farm Fresh
  • Food Lion
  • Heinen’s
  • Mariano’s
  • Publix
  • Sam’s Club
  • Save-A-Lot
  • Shop n Save
  • Whole Foods

In Summary

You can buy a Western Union money order at a lot more places than will cash one.

To cash, you will need an ID and a place willing to cash the amount of your money order. Also, because prevalent fraudulent money order schemes happen, Western Union encourages the use of its electronic money transfer kiosks instead. For locations willing to cash other types of money orders, read our article: Where Can I Cash (Any Type) of Money Order?