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?” At the following 10+ places we’ve uncovered for you. But first, here are answers to any other questions you may have.

 Who Sells Money Orders?

Convenience, grocery and drug stores, the post office, check cashing places, Western Union, MoneyGram and banks sell money orders. The post office issues USPS money orders and banks/credit unions issue their own brand of money order, while the rest of the locations are usually serviced by Western Union or MoneyGram.

Types of Money Orders

Western Union

Available at any Western Union location and places serviced by Western Union. Western Union offers domestic and international money orders. Fees for purchasing money orders ranges from $0.65 and up while cashing money orders range from free and up. Maximum amounts for purchasing and cashing are different depending on location.

MoneyGram

Available at any location serviced by MoneyGram and MoneyGram offices. Purchasing amounts range from $0.65 and up, with cashing amounts ranging from free and up. Maximum purchasing and cashing amounts are different in each location.

US Postal Service

Available at any post office for both purchasing and cashing. Domestic and international money orders are available. Purchasing fees range from $1.20 to $4.75. There are no cashing fees for cashing a USPS money order at the post office. Any post office location can cash a money order, although smaller locations do not keep as much cash on hand as larger offices. Therefore you should call ahead to ensure your post office can cash your amount.

Banks and Credit Unions

Although most banks and credit unions are switching to electronic transfers, most do sell and cash money orders for their customers. The amounts for both purchasing and cashing depend on the bank and if you have an account or not. Purchasing fees range from free to $5.00.

Using a bank/credit union has two drawbacks. You can only cash the money order if you have available funds in your account to back it. If you do not have enough money in your bank account to cover the money order, the bank will not cash it. And if you deposit the money order, the bank will likely put a three-day hold on it, as they wait to receive the money.

Can I Cash My Money Order at Any Place Selling 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.

Will Any Place that Cashes Money Orders Cash Any Type of Money Order?

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 I Need an ID?

Yes, you do need an ID to cash a money order. While not required for purchasing, all types of money orders require a photo ID for cashing. Understandably, you have to prove the money order is yours before having any money released to you.

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.

A Word of Caution

Remember that even if a company has partnered with Western Union, there’s no guarantee that every location of that particular business will offer the same services. Many stores have very specific rules surrounding cashing money orders and they may do so only a case-by-case basis. If there’s any doubt about whether a specific location will cash your money order, we recommend that you call ahead to save yourself time and frustration later.

Where to Cash Your 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:

1. 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 the Western Union website to learn more

Check Cashing Stores That Cash Western Union Money Orders

2. Amscot: The Money Superstore

  • 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 the Amscot website to learn more.

3. 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 the Money Mart website to learn more

Convenience Stores That Cash Western Union Money Orders

4. 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 the 7-Eleven website to learn more

Pharmacies That Cash Western Union Money Orders

5. 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 the Rite-Aid website to learn more

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.

6. 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 the TD Bank website to learn more

7. 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 the Old Second website to learn more

Grocery Stores That Cash Western Union Money Orders

8. 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 the Family Fare website to learn more

9. 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 the King Scoopers website to learn more

10. 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 the Kroger website to learn more

11. 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 the Safeway 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.

Other Options for Cashing 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

Where Can I Cash a Western Union Money Order

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?