Top 7 Places Where You Can Cash a Western Union Money Order

Western Union agent location on a city street

Most Western Union agents sell money orders but don’t cash them.

Additionally, not all places that cash money orders cash Western Union money orders in particular.

The easiest way to cash your Western Union money order is to deposit it into your bank account, wait for it to clear, and then withdraw the money. This is also the cheapest option since there are no deposit or withdrawal fees.

However, if you don’t have a bank account or don’t want to wait, some grocery and checking cashing stores cash Western Union money orders (usually for a fee). We list your options below.

What We Recommend

When considering accessibility as well as fees, Money Services is the best place to cash a Western Union money order.

Operated by The Kroger Co., Money Services is available in grocery stores nationwide. Its fees start at $3 if you have a shopper’s card, which is lower than or comparable to most other cashing options.

Note that Speedy Cash does have a lower starting fee of $2. However, Speedy Cash doesn’t have as many locations as Money Services and may not be located near you.

Comparison Table

Compare the places that cash Western Union money orders in the table below, or select each place’s name to find more details in our list.

Note that you can sort the table using the arrows at the top of each column.

Place Limit Fee
Speedy CashVaries $2 and up
Money Services$1,000 $3 and up
Money MartVaries Varies; usually around 3%
Check Into CashVaries 3% to 5% plus $2 enrollment fee
AmscotNone 9.9%
Giant EagleVaries None
H-E-B$1,000 $3

The List

We order our list based on the overall best places to cash a Western Union money order considering their locations, restrictions, and fees.

Money Services logo

Money Services

  • Maximum amount: Usually $1,000[1]
  • Fees: Vary by state; fees start at $3 with a Shopper’s Card and $5.50 without[2]
  • Requirements: Government-issued photo ID and Social Security number or ITIN[1]
  • Find a location (Note: Money Services is available at the Kroger family of stores, which includes Kroger, King Soopers, Fred Meyer, Ralphs, Fry’s, Dillons, City Market, Owen’s, Bakers, Pay Less Super Markets, Gerbes, Smith’s, and QFC.)

Speedy Cash logo

Speedy Cash

  • Maximum amount: Varies by location[3]
  • Fees: Vary by location; $2 minimum[3][4]
  • Requirements: Government-issued photo ID[4]
  • Find a location

Money Mart logo

Money Mart

  • Maximum amount: Varies by location[5]
  • Fees: Vary by location; around 3%[5]
  • Requirements: Government-issued photo ID[5]
  • Find a location

Check Into Cash logo

Check Into Cash

Amscot logo


  • Maximum amount: None[8]
  • Fees: 9.9% of the money order amount[9]
  • Requirements: Government-issued photo ID[8]
  • Find a location (Note: Amscot is located in Florida only)

Giant Eagle logo

Giant Eagle

  • Maximum amount: Varies; Giant Eagle may limit the number or dollar amount on a daily or weekly basis[10]
  • Fees: None[10]
  • Requirements: Only cashes money orders originally purchased at Giant Eagle; you must also present a valid, government-issued photo ID and your Giant Eagle Advantage Card[10]
  • Find a location (Note: Giant Eagle is located in Indiana, Maryland, Ohio, Pennsylvania, and West Virginia.)

H-E-B logo


  • Maximum amount: $1,000[11]
  • Fees: $3 (as previously reported)
  • Requirements: Money order must have been purchased at H-E-B; you must show a government-issued photo ID[12][13]
  • Find a location (Note: H-E-B is located in Texas only)

Places That Don’t Cash Western Union Money Orders

In the course of our research, we found that the following places don’t cash Western Union money orders, even if they sell them.

Note that linked business names will direct you to our dedicated research on that company’s money order policy.

We also have more information about money orders and how they work in our money order FAQ.


3 comments - Comments are closed.

  • Ann Klaus White

    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!

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Hello, Ann! Since your money orders are more than three years old, you should not try to cash them. Technically, Western Union money orders do not expire, but after three years you need to request a refund. We have articles detailing money order expiration and how to request a money order refund which may be helpful to you. Best of luck!

  • jaz

    does bank of america cash quick trip money orders ?

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