You need to send money securely. Since money orders require you to pay in advance, you don't need a bank account and you can still pay bills safely. Another option: One of NerdWallet's best prepaid debit cards for regular purchases.
Not all money orders work abroad, but U. Postal Service money orders can be sent to about 25 countries. Another option: A wire transfer, if you need the money there faster and are willing to pay more.
Or check out our best ways to send money internationally. Check-cashing locations, convenience stores and grocery stores can be alternatives, but watch out for fees. Banks accept U. Postal Service money orders as they would regular checks at branches, ATMs or even on a banking app with a mobile check deposit function. How to pick between a cashier's check and a money order. If you no longer have the money order or you made a mistake on it, you may be able to cancel it and get a replacement or refund — as long as the money order hasn't been cashed.
The issuer will probably have you fill out some paperwork, using information from your receipt, and you'll likely pay a fee. And it can take a month or longer for the issuer to process your claim. If the money order was cashed, you may still be able to get your money back, but you'll generally have to involve the police. It's relatively simple to find out where a money order is — as long as you've kept your receipt. But the process varies slightly by issuer.
The U. Postal Service, MoneyGram and Western Union allow you to track online with information such as the serial number found on your receipt and the purchase amount. Without the receipt, you'll likely have to file a research request to find your money order's serial number, and that's expensive and time-consuming.
Just be sure to track the money order with the actual provider — it might be Western Union or MoneyGram even if you purchased it at a convenience store. Money orders are typically a safe payment method, but they can also be used fraudulently. To protect yourself:. Try not to exchange money orders with strangers.
This isn't always possible, but if you can, ask to be paid electronically or via another means. Watch for red flags. Verify the funds. Here's a quick rundown of what you need to do to get a money order:. Be prepared with cash or a debit card, the name of the payee and the amount you want to send.
Here's how it works Fill out the required forms at the post office. Bring a valid government-issued photo ID and the names of the people sending and receiving the money order. There's no fee to cash a Postal Money Order at any post office in Canada for individuals. Money orders for businesses can only be cashed at their banking or financial institution.
Useful links. Quick links for sending mail Use our online tools to find address information, postal codes or track your parcel. Track and find. Terms and conditions apply. Think of a money order as a pre-paid check. It provides a reliable way to transfer funds from one person to the next. Find an Agent.
Stop in at any participating Western Union location. Purchase for the principal amount you need. If you wish to make a claim for your postal order, please send your original postal order purchase receipt, along with your personal contact details, to the following address: Postal Order Correspondence Team Method of Payment Team Post Office Ltd Future Walk Chesterfield S49 1PF Please keep a copy of your postal order receipt for your records.
Please note the following below: It is recommended that an Order is crossed whenever possible. A crossed Order will only be paid through a bank. The Order may be cashed at a Post Office if it has not been crossed. Payment maybe refused and the Order impounded if it has any erasures, alterations, or it is cut, defaced or fails Post Office Ltd system validation check. Postal Orders expire 6 months from the date of issue.
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