Where Can I Cash a Western Union Money Order? 9 Options Listed

Most Western Union agents sell money orders but don’t cash them. The easiest way to cash a Western Union money order is to deposit the money order into your bank account, wait for it to clear, and then withdraw the money. If you can’t wait or don’t have a bank account, then you’ll need to visit a business that cashes Western Union money orders. Below, we have the list of places that will cash a Western Union money order.

Do Places That Sell Money Orders Cash 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 one because it requires the business to keep large amounts of cash on hand. While many places do cash money orders, they may not be able to cash yours at any time; cashing services are dependent on available funds, and several other customers may have cashed money orders or checks ahead of yours. Locations can and do run out of cash. Banks and credit unions also sell and cash money orders, but often limit this service to account holders only.

Check cashing stores are an option for those who do not have a bank account, as their services typically do not require membership. They also tend to keep much larger amounts of cash on hand than grocery stores.

Do All Places That Cash Money Orders Cash Western Union Money Orders?

Not all places that cash money orders will cash any type or brand. You will need to cash your Western Union money order at a place that partners with Western Union, rather than one of its competitors like MoneyGram. Banks and check cashing stores will often cash money orders of all types; however, grocery stores may only cash money orders originally purchased at their stores.

Are There Limits or Fees?

Some stores that cash money orders have limits on the size of money orders that can be cashed. Limits typically begin around $300 but may be over $1,000 or unlimited, depending on the location. Businesses usually charge a small fee for cashing the money order, too. Check-cashing stores charge the highest fees, while grocery stores are usually the cheapest. You can also cash a money order for free at your own bank if you have an account.

Places That Cash Western Union Money Orders

In the U.S., Western Union works primarily through agents rather than dedicated Western Union offices. These agents are stores that Western Union has partnered with to provide Western Union money services. Below is the list of places where you can cash a Western Union money order.

Check Cashing Stores

Check-cashing stores tend to have the highest fees for money order and check cashing when compared to banks, grocery stores, and others. Check cashing stores tend to base their fees on competitive, local rates, so fees can vary greatly by location. It’s best to call your local store to learn its fees before visiting.


Check Into Cash

Money Mart

Speedy Cash

Grocery Stores

Grocery stores don’t always keep a lot of cash on hand to cash money orders or checks. If you’re headed to a grocery store to cash a check, but the grocery store doesn’t set a specific check limit, try going at the end of the day — the store should have more cash on hand then. You may also want to call ahead and ask an associate whether the store can cash your money order.


Note: The Kroger family of stores includes King Soopers, Fred Meyer, Ralphs, Fry’s, Dillons, City Market, Owen’s, Bakers, Pay Less Super Markets, Gerbes, Smith’s, and QFC


  • Requirements: Some, but not all, Safeway stores will cash money orders. Some will only cash money orders that were issued within the last seven days. You must provide a government-issued photo ID.
  • Maximum money order amount: Usually $1,499 but may vary by store
  • Fees: Usually $2.25 for each $200 cashed, but may vary by store
  • Source: Customer service representatives at Safeway stores
  • Locations: Safeway is primarily located in the Pacific Northwest. Find a Safeway store, hours, and contact information.
  • See more in our article: Safeway Check Cashing FAQ, Gift Card Balance Check, Money Orders

Giant Eagle

Family Fare

  • Requirements: Only select Family Fare locations will cash money orders. You’ll need to show a government-issued photo ID.
  • Maximum money order amount: $500
  • Fees: Varies by store; generally around $3
  • Source: Customer service representatives at Family Fare stores
  • Locations: Michigan, North Dakota, and Nebraska. Find a Family Fare location, hours, and contact information.

H-E-B (Texas)

Places That Sell Western Union Money Orders, But Don’t Cash Them

Some stores are Western Union agents and do sell money orders, but won’t cash money orders, even if the money order was bought at the exact same store. We list these stores below. Follow the links to read more about money order policies at each store on FQF.

You can buy, but cannot cash a Western Union money order at the following stores:

Places That Don’t Cash or Sell Western Union Money Orders

The following stores do not sell or cash money orders from Western Union (though some do offer MoneyGram money order services):

  • Albertsons (uses MoneyGram)
  • Circle K (uses MoneyGram)
  • Costco
  • CVS (uses MoneyGram)
  • Farm Fresh
  • Heinen’s
  • Kmart (only does money transfers via Western Union)
  • Mariano’s
  • Sam’s Club
  • Save-A-Lot
  • Shop n Save
  • Target
  • Whole Foods
  • Walgreens (only does money transfers via Western Union)
  • Walmart (uses MoneyGram)

In Summary

You can buy a Western Union money order at a lot more places than you can cash one. To cash a money order, you’ll need to show a photo ID and will want to check the store’s cashing limit before visiting. Keep in mind that fees are usually around $3 at grocery stores, but may be up to 3% of the total money order amount at check cashing stores. Places that cash Western Union money orders include Check Into Cash, Speedy Cash, Kroger, and Safeway.

For locations able to cash other types of money orders, see our article on where to cash any type of money order. We also have more information about money orders and how they work in our money order FAQ.


  • Ann Klaus White says:

    I have four $25 Western Union money orders from 08/29/02 I found awhile back. I’m thinking after paying fees, they are basically worth $0! I have the receipts showing my purchase. I would appreciate some response or direction!