Money Orders at Walmart FAQs: Cost/Fees, Limit, Hours, Debit Cards…

Most people know that Walmart is a one-stop shop for everything from clothing to groceries to electronics to home goods. But, what many people don’t know is that Walmart also offers money order services. Walmart can sell you a money order or cash one you already have, so long as it meets the requirements. In this article, we’ve compiled all of the details you could ever want to know about Walmart money orders, including costs, restrictions, and requirements.

In This Article

How to Buy a Money Order at Walmart

A money order is a simple way for anyone to pay a bill or send money. Money orders can be purchased at the U.S. Post Office, most banks and credit unions, and even retail stores. Walmart uses MoneyGram to provide money orders, money transfers, and electronic bill pay. To electronically wire money to someone at another Walmart location, Walmart has partnered with Ria Money Transfer. While this article focuses on money orders, it’s nice to know what other services are available. If you’re just looking for money transfers, and not money orders, see our article: Walmart to Walmart Money Transfer FAQ: Fees, Limits, Hours, Tracking…

You’ll need to visit your local Walmart’s MoneyCenter in person to buy a money order. Walmart MoneyCenters will only be open during certain hours, which vary by location, and may not be open during the same hours that the Walmart store is open. The MoneyCenter is typically open 7 a.m. – 10 p.m., but you’ll want to verify MoneyCenter hours with your local Walmart.

When buying a money order, you’ll need to know your own address and the address of the recipient in order to fill it out. You should also bring an ID. Walmart accepts cash and debit cards, but not credit cards, for money order purchases.

Walmart Money Order Fees and Limits

MoneyGram money orders from Walmart cost 70 cents per money order and the maximum amount value for a single money order at Walmart is $1,000. There’s also a daily limit — you can purchase up to $3,000 worth of money orders in one day. Purchasing more than $3,000 worth of money orders may trigger a suspicious activity report (SARS). This information was obtained by calling Walmart’s corporate customer service line.

How to Cash a Money Order at Walmart

Walmart will only cash MoneyGram money orders issued by Walmart. The fee for this service is $3 for money orders up to $1,000 and $6 for money orders up to $5,000. The fee must be paid in cash or with a Walmart MoneyCard. Walmart’s money order cashing policy is part of its check cashing policy, and the fees are the same for both checks and money orders.

Walmart International Money Order Policy

While Walmart doesn’t sell international money orders (you’ll have to go to USPS for those), you can use their money transfer services from MoneyGram to send money internationally. Fees for sending money internationally vary by the amount being sent and the country where you are sending the money. MoneyGram has a handy fee estimator to help you plan your transfer. As an example, to send $1,000 U.S. dollars to India, the estimated fee is $13. International money orders at Walmart are very popular. For the details on how international money transfers work at Walmart, see our article: Walmart to Walmart Money Transfer FAQ: Fees, Limits, Hours, Tracking…

In Summary

Whether you need to buy or cash a money order, Walmart’s MoneyCenters can usually help you get your mission accomplished. Since the Walmart money order limit is high and the fees are low, you’ll have more options than you might when purchasing a money order elsewhere. You can even purchase an international money order or buy a MoneyGram money order online through Walmart from the comfort of your own home. If you need to cash a money order, you’ll be able to do so at Walmart as long as it’s a MoneyGram money order issued at Walmart.

It’s hard to beat Walmart in terms of its nearly ubiquitous locations and low prices, and that’s certainly true when it comes to purchasing a money order as well. If you do want to look elsewhere, see our articles Where Can I Get a Money Order? and Places to Cash a Money Order.

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53 comments

  • Cinda Mclaughlin says:

    I bought a money order from Walmart and sent it to someone out of state, but they sent it back. How do I get my money back? The money order was already made out to them.

  • Jesus Annan says:

    I have 6,000 dollars in Walmart Money Gram Money Orders. $1000 each. It was purchased from Walmart in VA and was sent to me in FL. After visiting the store to cash them, I was told they are two hours behind FL and that I have to wait until the store opens before they pay me. I went back to the store later in the afternoon and I was told they need to call the Walmart Center in VA to verify the money orders before paying me. I waited for a couple minutes and after a while they asked me to go and come back again on weekdays. They also said to me that the limit they can pay out in a day is $2000. How true or reliable is this? I don’t understand because a friend of mine in MI received the same thing in September and was able to cash all 3000 dollars in a day. Please let me know what to do and if possible show me a way I can cash them without going to Walmart. Moreover, does the money orders need to be verified from where it was purchased before paying out? Thank You

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Jesus,

      There are certainly other places you can cash a MoneyGram if you would rather avoid Walmart! The easiest way to get the money out of these money orders would be to deposit them into your own bank account. Once they clear, you’ll have complete access to the funds, or you might have access immediately, depending on your bank’s policies. You might be able to cash them at your own bank too, but not all banks will cash money orders. If you don’t have a bank account, you’ll have to go to a MoneyGram agent that cashes money orders. Walmart is one such agent, but there are others. Check out our article, Where Can I Cash a MoneyGram? for more info. Or, you can use the MoneyGram agent locator to find one near you. It’s best to call the store ahead of time to make sure they really do cash money orders, and to find out the limits. As for how Walmart has dealt with your situation, I’ve never seen the requirement that Walmart call the Walmart that issued the money order. In Walmart’s published check cashing policy, the cash limit is supposed to be $5,000. The $2,000 limit is lower than normal, but we have heard reports from other customers that some Walmarts use this lower limit. These stores probably aren’t able to keep so much cash on hand.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Jewels,

      Usually the card reader machines that you use to swipe your debit card don’t allow for split purchases. I’d ask at your local Walmart, but go prepared to use one payment method to purchase the entire money order. Alternatively, you could buy two money orders to get to the amount you want — one with cash and the other with your debit card.

    • Kathleen Wilson says:
      First Quarter Finance logostaff

      Hi Mandy,
      Walmart doesn’t give a limit per week or month. However, the maximum amount allowed is $3,000 total in one day. Purchasing more than $3,000 worth of money orders — in a day or in multiple days that are close to each other — may trigger a suspicious activity report (SARS).

      • Lisa Wilson says:

        I was told if you want to get more than one money order it would have to be done in one transaction. Why. The manager replied company policy. Doesnt make sense. I understand $3000.00 in one day. Thats alotof cash. But a few money orders to pay bills must be done in one transaction. Does anyone know why?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi TS,

      This is debatable. There are many places that will cash your money order without a signature, and perhaps just as many that won’t. Your best bet is to get the person who gave you the money order to sign it.

  • Cristina Bittar says:

    I´m speaking of a money order sent from the US. So here´s the case (a real case): John W. purchased an international money order at wal mart/moneygram payable to the order of Miguel S. (a guy from Argentina). Once he was back in the country, he sold it to a Foreign Exchange Currency Store (third party). I can see Miguel´s endorsement in the back of the document. But the thing is that the argentine Foreign Exchange Currency store tried to collect the money through the New York branch of “Banco de la Nación Argentina” and they received a “return check advice” that reads “Reason for return: “counterfeit/payment stopped”. This third party intends to sue the payee and needs to know the law that governs an international money order created in the US.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Cristina,

      I researched international money orders, and it looks like Argentina is not on the list of countries that accept international money orders. According to the U.S. Postal Service, “International postal money orders are exchanged with countries using the pink International Postal Money Order (Form MP1).” You can view this information here. Looks like U.S. money orders are not accepted in Argentina, which is why he ran into trouble.

  • Cristina Bittar says:

    Hi! I´m Cristina, from Argentina. I would like to know if an international money order is governed by article 3 of the UCC or they do have a special regulation. In that case, wich is it?
    Another question is: can the payee/beneficiary of an international money order indorse the instrument for value (negotiate/trasfer the money order to a third party) or he/she is limited to present it only in order to be paid?
    Thaks! Cristina.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Cristina,

      So I can give you a better answer, are you speaking of sending someone a money order from Argentina to the U.S., or from the U.S. to Argentina?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi there!

      You can purchase a money order of up to $3,000 total in one day at Walmart, and you can cash a MoneyGram money order of up to $5,000.

  • Hilton George binihi says:

    Hi,I’m Hilton George binihi from vanuatu.I’m interested for buying money order from the walmart,i want to purchase 1000 dollar through western union then how can i have to recieve my 1000 dollar? Is it through the western union again? Please answer me ASA.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Hilton,

      I am not completely sure of your question. You can only purchase Western Union money orders in-person. However, if you need to send money to a person/company, you can always use their online services. They allow you to send money to a bank account, to a mobile phone, and even overseas. Learn more about these services here.

      If you are asking about cashing a Western Union money order, then you can cash it at any Walmart (provided it was purchased there).

  • Name* (displayed publicly) says:

    Is there anyway to find out that a money order sent was cashed by the serial number on my receipt stub? And also that it was cashed by the person intended? Example fingerprint or signature.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      You bet — You can find out if your money order has been cashed by calling MoneyGram’s automated line at 1-800-542-3590. If you want to know who cashed it, you can submit a photocopy request to MoneyGram They will be able to provide you with a front and back copy of the money order. Hope this helps!

  • Can you purchase a money order with a Green Dot card that can be used with a PIN number or as a credit card?

  • Can you purchase a Walmart money order with. Green dot money card that can be used with a PIN number or as a credit card?

  • Can you purchase one money order using multiple forms of payments? For example, two different debit cards for the money order, and then cash (.70) for purchasing the money order.

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Walter,

      Whether or not you’ll be able to purchase a money order with multiple forms of payment depends on where you purchase it. While I know that some money order locations will only allow you to pay with cash, others allow both cash and debit cards as payment methods; I recommend you call the location where you’re hoping to purchase a money order to find out more about accepted forms of payment. I hope this helps!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi A.B.,

      I reached out to Walmart customer support regarding your question, and found that while you can’t buy a physical money order with just your account information, you can use your bank account to send money through MoneyGram. You can read more about this process on the How to Send Money page of the Walmart website. I hope this helps!

  • I am a realtor, and my clients purchase a money order for a place they were putting a deposit on. the deal fell through and the money order was returned in the form it was originally delivered addressed to the home owner and signed purchased by my clients. They would like to retrieve their funds but They do not have their receipt. No attempt yet to cash for they just received it moments ago. My question is will they be able to cash the money order back to them?

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Realtor,

      I’m so glad you asked. This question is a frequent one, and First Quarter Finance has written an article on this very subject. The process for getting a money order refunded varies significantly depending on where the money order was purchased, so I recommend that your clients follow the procedure outlined in our article for the applicable purchase location. Fortunately, since you have the original money order itself, this can expedite and simplify the process. For your clients’ sake, I hope that the money order was not purchased through MoneyGram or the USPS, as neither will refund a money order without a receipt. Please let us know if you have any additional questions, and best of luck to your clients in getting their money refunded.

      • Thank you, yes it is a Walmart Money Gram Money Order. We called the local Walmart money center and they advise to deposit into the purchaser bank account. So my clients did so, in person at their local bank branch and the money order deposit was accepted. Thanks again

  • I need to purchasing probably $10,000 worth of money orders . However, the limit is $3,000. What should I do? Can I purchase $3,000 everyday? Besides, can I use RMB to buy money orders? Can I use a unionpay card to purchase?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Cindy,

      I reached out to Walmart customer support with your question, and the representative informed me that unfortunately, Walmart Pay will not be accepted as a payment method for a money order. Sorry I couldn’t bring you better news!

  • Tobias Ariza says:

    I purchased a money order at Walmart on January/2017 and sent it to my daughter to Colombia South America. She is coming to USA by September/2017. It is not a problem if she keep the money order and make a deposit in her bank account when she is in USA?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Tobias,

      Walmart uses MoneyGram as the provider for money orders. According to MoneyGram customer service, MoneyGram money orders are good for one year after the purchase date. As long as your daughter deposits the money order at an American bank branch before January of 2018, the money order will still be good and she shouldn’t run into any problems. I hope this helps!

  • Laura lobue says:

    I purchased a money order from Walmart beginning of oct 2016 for 500.82 to pay a carpet company I mailed it to them. However it’s 5 months later they say they never received payment I can’t find my receipt from money order is there any record that Walmart keeps now if the company says they never received it it means it wasn’t cashed I guess pls help ty

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Laura,

      I reached out to Walmart customer support regarding your question, and the agent stated: “Without the receipt, there’s not much we could do in this situation.” Unfortunately, it doesn’t seem as though Walmart will be able to provide you with any kind of record of the money order being purchased. It couldn’t hurt to visit the customer service desk at the Walmart store where you made the purchase to ask if there’s anything that particular store would be able to do, but there’s not necessarily a corporate precedent for being able to assist customers in your situation. MoneyGram, as a rule, does not provide refunds for money orders without a receipt, but if you’d like, you can try to contact MoneyGram customer support to see if there’s anything that company would be able to do for you. I’m sorry I couldn’t bring you better news, and best of luck getting this resolved!

  • I tried to buy an international money order at Walmart in Texas on 1-11-2017, they told me they don’t sell them.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Gene,

      I reached out to Walmart customer support to investigate this issue, and it does sound like this service varies among different Walmart locations. If you do need to send money internationally, another option is a money transfer. This service is also provided by Money Gram and can be a more efficient means of moving money between countries. You can read more about Money Gram’s money transfer services on the Walmart website.

  • John Pracko says:

    Why can I not use my Walmart Gift Card to buy a Money Order at Walmart ?

    It is a prepaid type of card – not a credit card -so why not ?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi John,

      I can’t speak for Walmart’s reasoning specifically, but many other stores that don’t allow gift cards as a payment method for money orders (such as Kroger) have implemented this policy as a means to prevent fraud. For example, if the gift cards were purchased with a stolen credit card (a fairly common tactic for this type of fraud), those funds become virtually untraceable once they’re converted into a money order. As a result, many places, including Kroger and Walmart, will only accept either cash (which is less likely to be stolen than a credit card number) or an electronic payment method that can be positively associated with the identity of the person making the purchase.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Osée,

      That’s an interesting question! I reached out to Walmart and MoneyGram support to find out more about this situation. The agents recommend that the payee of the money order checks with their financial institution to find out whether an American money order from Walmart will be accepted there, prior to the money order being purchased. The agents advised that there may be a difference in the value of the money order if the payee’s financial institution exchanges the money order for the local currency. The agents also suggested that a money transfer, rather than a money order, may better suit your needs. You can learn more about Walmart’s money transfer services here. In short, a Walmart international money order may be honored in Canada, but the deciding factor will likely be the place that the payee goes to cash the money order rather than the money order itself. I hope this helps!

  • Lindsey Van wyk says:

    I was wondering if it was possible to get a record of all the transactions that have been made to send money from a specific Wal Mart. I have some fraud perpetrated in my bank account and I’m attempting to help the police by getting the transaction numbers. Can I do that since all my information was entered in?
    Thanks!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Lindsey,

      It’s tough to say if Walmart will be able to provide you with transaction numbers — if it is possible, you’ll need to contact Walmart directly to find out the process for getting that information. If you know the specific Walmart where the money orders were purchased, you can contact that location by phone (here’s the Walmart store locator, in case you need the phone number). If you don’t know the specific Walmart where the transactions took place, I recommend starting with Walmart corporate. The phone number for the Walmart corporate office is 1-800-925-6278. You can also email Walmart customer service through the company’s Contact Us page. I hope this helps and best of luck!

  • Nikki Turane says:

    I would like to know if you all have an online record of the money orders that are cashed? I need to show proof of cashing child support payments that were paid to me through Walmart money orders. I would go to Walmart (Stafford, VA location) and cash them each month. I know that they would take my ID and I would have to key in my Social Security Number. Is there any way to pull this data and show the dates and amounts of the money orders that I cashed? Your response is greatly appreciated and I hope that there is a record.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Nikki,

      Do you have the serial numbers or receipts for any of the orders that were cashed? Unfortunately, that may be the only way to show that you cashed the money orders. It’s worth a try to visit the customer service desk at the Walmart where you cashed the checks to see if there’s any way for them to pull up the records, but it doesn’t look like Walmart has published any sort of specific policy for a situation like this. You can also try calling this phone number (from the Check Cashing page of Walmart’s website): 1-479-204-2125. I hope this helps!