The Cheapest Place to Get a Money Order + Other Cheap Options

Banks are one of the cheapest places to get a money order. Many banks offer money orders free of service fees for account holders. If your bank doesn’t offer free money orders, then your best bet is to find your nearest 7-Eleven store.

When Should You Use a Money Order?

A money order is a form of payment for a pre-specified amount of money. They are often used for paying rent or other bills. While they’re similar to checks, money orders are often preferred due to the guaranteed funds for the vendor and the increased anonymity for the buyer (since they don’t display checking account information like a normal personal check does).

Money orders are helpful when:

  • You need to pay bills but don’t have a checking account.
  • You want to ensure that a check doesn’t bounce.
  • You’re mailing money and want an option that’s more secure than cash.
  • You’re sending money to relatives overseas.

Which Companies Are the Most Common Providers of Money Orders?

While you can purchase money orders at a variety of businesses, from supermarkets to pharmacies, nearly all of these places will use one of two money order services: MoneyGram or Western Union.


MoneyGram is the smaller company, with a little over 100,000 locations worldwide. It operates in the United States and several other countries. MoneyGram money orders can be bought from any participating retailer or bank (more on that in our list below). Outside of the United States, some military bases sell MoneyGram money orders as well.

MoneyGram money orders can be deposited into a bank account or cashed at participating locations.

Western Union

Western Union is the larger of the two companies, with over 500,000 locations worldwide (not counting ATMs and kiosks). Western Union does offer options for transferring money overseas, but their money orders can only be used in the United States.

Western Union customers can buy a money order at participating retail locations (see below for a list of options). Recipients can cash their Western Union money orders at participating retail locations or at their bank. Depositing the money order directly into the account is also an option.

What Are the Cheapest Options for Buying a Money Order?

The price of money orders can range anywhere from free (if your bank offers this service) to just over $10.

We’ll cover banks specifically towards the end. But in general, there’s a tie for the top slot when it comes to the cheapest place to get a money order: 7-Eleven and Meijer.


  • Which service does 7-Eleven use?: Western Union or MoneyGram, depending on location.
  • What is the fee?: $0.65, or 1%-3% of the total order, depending on location.
  • Can money orders be cashed here?: No.
  • Read more on the Financial Services page of the 7-Eleven website.
  • Find the nearest 7-Eleven.

For more information about money orders specific to 7-Eleven, check out our article: 7-Eleven Money Order FAQ: Fees, Limits, Cashing and More.


  • Which service does Meijer use?: Western Union
  • What is the fee?: $0.65
  • Can money orders be cashed here?: No.
  • Read more on the Money Services page of Meijer’s website.
  • Find the nearest Meijer


Where Else Can You Get Cheap Money Orders?

While the top two are a tie, there are a few other places that are still worth mentioning, especially if neither of those options above are available to you.


  • Which service does Kmart use?: Western Union
  • What is the fee?: $0.69
  • Can money orders be cashed here?: Yes, up to $500.
  • Note: This information was obtained by calling the Kmart corporate office.
  • Read more on Kmart’s MoneyHub page.
  • Find the nearest Kmart

For more information about money orders specific to Kmart, check out our article: Kmart Western Union Services: Kmart Money Orders, Transfers, & More.


  • Which service does Kroger use?: Western Union
  • What is the fee?: Fees can vary by store; typically around $0.70.
  • Can money orders be cashed here?: Yes.
  • Note: Because Kroger operates under different names in different areas, each store has its own money order policy.
  • Read more on the Money Services page of Kroger’s website.
  • Find the nearest Kroger

For more information about money orders specific to Kroger, check out our article: Does Kroger Do Money Orders? Yes. Hours, Provider, and More Listed.


  • Which service does Walmart use?: MoneyGram
  • What is the fee?: $0.70
  • Can money orders be cashed here?: Yes, Walmart cashes money orders that were purchased at another Walmart. Money orders must be cashed at the customer service desk.
  • Note: Walmart is something of an anomaly because it has its own service that is limited to in-store domestic transfers, while international and online transfers happen through MoneyGram.
  • Read more on the Money Center page of
  • Find the nearest Walmart

For more information about money orders specific to Walmart, check out our article on Walmart money orders.


  • Which service does Publix use?: Western Union
  • What is the fee?: $0.85
  • Can money orders be cashed here?: No.
  • Note: Publix sells money orders at all locations except GreenWise Market locations.
  • Read more on Publix’s customer service page.
  • Find the nearest Publix

For more information about money orders specific to Publix, check out our article: Publix Money Order and Publix Check Cashing Policies (In Plain Language).


  • Which service does Vons use?: MoneyGram
  • What is the fee?: Typically $0.89 per $1,000, up to a maximum money order value of $2,999.99. Note that fees may be different at your local store.
  • Can money orders be cashed here?: At certain locations (although not at all of them)
  • Note: The information regarding fees was obtained through Vons customer service. Fees and available services will vary by location; check with your local Vons for details.
  • Read more on Vons’ Money Services page.
  • Find the nearest Vons

For more information about money orders specific to Vons, check out our article: Vons MoneyGram & Western Union: Money Order Limits, Fees, & More.

U.S. Postal Service

  • Which service does the U.S. Postal Service use?: USPS (proprietary — not through Western Union or MoneyGram)
  • What is the fee?: $1.20
  • Can money orders be cashed here?: Yes, but if you cash an amount over $10,000, you will need to fill out a Funds Transaction Report form. We recommend that you call ahead to verify that the funds are available at your local post office before you go in to cash a money order.
  • Read more on the USPS Money Orders page.
  • Find the nearest post office

For information about cashing a U.S. Postal Service money order, check out our article: Where Can I Cash a Postal Money Order? Answered. (~20 Places).


  • Which service does CVS use?: MoneyGram
  • What is the fee?: $1.25
  • Can money orders be cashed here?: No.
  • Note: While some information is available on the CVS website, the information about fees was obtained by calling the CVS corporate office.
  • Read more on the MoneyGram page of the CVS website.
  • Find the nearest CVS

For more information about money orders specific to CVS, check out our article: CVS Money Order FAQ: Does CVS Sell Money Orders/Cash Them? Fees?.

Your Bank

Your bank can be the cheapest option for purchasing a money order, but it could also be one of the most expensive. For instance, some banks will provide you with a money order for free if you have a certain type of account, while other banks will charge fees of $5 or higher, even for account-holders. Bank of America, for example, charges $5 for money orders up to $1,000 while a Western Union money order from the Navy Federal Credit Union costs $14.50.

Be sure to check out our article Free Money Orders near Me? Here’s Where to Get Free Money Orders for the list of banks where you can get a money order absolutely free.

Before you head out to 7-Eleven or Meijer, be sure to check what options are available at your bank. Here are the prices for purchasing a money order at some of the largest banks in the country. If you are not a member at the bank where you plan to purchase a money order, we recommend that you always call your local branch in advance to see if this service is available for non-customers.

  • Bank Of America: $5 (Note: Not available in Arizona, California or Nevada)
  • Chase Bank: $5
  • Regions: $1 for up to $1,000
  • TD Bank: $5
  • U.S. Bank: $5
  • Wells Fargo: $5

These fees may be waived depending on the type of account you have (for example, if you have a business account or a mortgage with a certain bank), so it never hurts to ask if you can get a money order at your bank for less than the listed fee. For more information about the money order services at these and other major banks, take a look at our article: Where Can I Get a Money Order? At These 50+ Places

Cashing Your Money Order Online or Through an App

As mentioned above, you can cash a money order at many of the places where you purchase them, but not all. Banks, however, are almost always an option for cashing money orders. Even more convenient are banks that give you the option to cash money orders electronically. Any kind of deposits, including money orders, will generally be free at a bank or credit union where you have an account. Keep in mind that you typically need to be a member of a particular bank or credit union to take advantage of mobile deposits.

Banks That Cash Money Orders Through Apps

  • Wells Fargo
  • TD Bank
  • Santander Bank
  • Chase Bank

Banks That DO NOT Cash Money Orders Through Apps

Most of these banks have noted that the money order format is difficult for their machines to read, so it’s advisable to visit these banks in person if you intend to deposit a money order.

  • Ally Bank
  • Bank of America
  • PNC Bank
  • Regions Bank

Important Tips About Money Orders

Before you head out to buy a money order, you may want to consider other factors that will affect the price and status of your money order. As mentioned above, rates can differ based on location. Even retail chains can have fees that vary among individual stores. International money orders that will be sent overseas will generally cost more than ones sent within the country. Purchasers sending money orders to a different country should also keep the exchange rate in mind, as some locations will convert the money order into local currency. When picking up or cashing a money order, be sure to have your photo I.D. (driver’s license, passport etc.) with you. Some locations will require proof of address (bank statement, utility bill, etc.) as well.

In Summary

By most measures, 7-Eleven and Meijer are the cheapest places to buy a money order. In case there isn’t a 7-Eleven or Meijer near you, there are numerous other places you can visit for cheap money orders, including Kroger, Kmart, Walmart, and sometimes even your own bank. Since many of the places that sell money orders don’t necessarily cash them, you can check out our articles: Where Can I Cash a Western Union Money Order?, Where Can I Cash a MoneyGram? or Where Can I Cash a Postal Money Order?

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