The 5 Most Reliable Places to Purchase a Money Order

Image Source: pexels

Finding where to get a money order is straightforward. This type of money order is a key tool, especially for the 4.2% of U.S. households without bank accounts. If you need to buy a money order, you have several reliable options.

Top 5 Locations:

• The United States Postal Service (USPS)
• Your bank or credit union
• Walmart (for a Walmart money order)
• Western Union agents
• Major grocery and convenience stores

Choosing the right source ensures your payment is secure and simple.

Key Takeaways

• You can buy money orders from five main places: the Post Office, your bank, Walmart, Western Union, and grocery stores.
• Each place has different costs and limits. For example, Walmart is often the cheapest, and banks are convenient if you have an account there.
• Always keep your receipt when you buy a money order. It helps you track your payment and can help if you lose the money order.
• Money orders are a safe way to send money. They are good for paying bills or sending money to family, especially if you do not have a bank account.

Where to Get a Money Order: An Overview

Each location offers a unique mix of cost, convenience, and purchase limits. While these physical locations provide a reliable way to send guaranteed funds, you might also explore modern digital platforms like Biyapay for other types of financial transactions. This overview will help you compare your options to buy money orders.

If what you really need is “getting money to someone reliably,” it can help to compare a digital transfer path alongside paper money orders—especially on cost and timing. For example, BiyaPay’s Send Money page lets you check available delivery methods and typical settlement speed, and the FX rate converter & comparison tool helps you sanity-check live rates and conversion cost so “fees + time” are evaluated together.

To set things up, start with registration and follow the relevant guidance on the official site; if there are time-bound rules or perks, you can also verify them in the Event Center. BiyaPay is positioned as a multi-asset wallet covering cross-border funds management, and it operates under compliance frameworks such as U.S. MSB and New Zealand FSP—useful context when you’re choosing between paper instruments and digital alternatives.

USPS: A Trusted Source

The United States Postal Service (USPS) is a government-backed institution, making it one of the most secure places to get a money order. People trust the USPS for its reliability and widespread acceptance. It is an excellent choice for official payments, like rent or government fees.

Your Bank or Credit Union

You can easily purchase a money order from your bank or credit union. This option is very convenient if you already have an account. Credit unions, in particular, often provide this service at a lower cost compared to large national banks, sometimes even for free depending on your account type.

Walmart: A Low-Cost Option

Walmart offers an extremely affordable way to get a money order through its partnership with MoneyGram. With a flat fee that never goes above $1, it is often the cheapest option available. This makes Walmart a go-to for anyone looking to save money on transaction fees.

Western Union Agents

You can find Western Union agents in numerous locations, from dedicated storefronts to counters inside other businesses. With over 500,000 agent locations worldwide, its main advantage is accessibility. No matter where you are, a Western Union agent is likely nearby.

Grocery & Convenience Stores

Tip: For late-night or weekend needs, grocery and convenience stores are your best bet.

Many major chains like Kroger, Publix, and Safeway offer money order services, usually through Western Union. While their limits are often lower, the convenience of being able to buy a money order during your regular shopping trip is a major benefit.

1. The Post Office (USPS)

Image Source: unsplash

When you need a payment method that is secure and widely accepted, the United States Postal Service is an excellent choice. A USPS money order carries the backing of the U.S. government, which gives it a high level of trust for important transactions like paying rent, government fees, or sending money to family.

Fees and Payment Methods

You might ask, how much does it cost to buy a money order at the post office? The fees are quite reasonable. You can expect to pay around $1.75 for amounts up to $500 and about $2.40 for amounts between $500.01 and $1,000.

For payment, you can use cash, a debit card, or a traveler’s check. However, you cannot use a credit card to purchase a money order. The USPS also does not accept personal checks if they are written for more than the exact purchase amount.

Money Order Limit

The USPS sets a clear limit on how much you can send. The maximum amount for a single domestic money order is $1,000. If you need to send more than this, you can simply purchase multiple money orders to cover the total amount.

Key Benefits

The primary benefit of a USPS money order is its security and reliability. Since it is government-backed, recipients trust it completely. You can also send certain postal money orders internationally. Another key advantage is the ability to track your payment.

Pro Tip: Always keep your purchase receipt. It is essential for tracking your payment and serves as your proof of purchase.

If you need to confirm that your money order was cashed, you can use the information on your receipt. The process is straightforward:

1. Locate the serial number, post office number, and dollar amount on your receipt.
2. Visit the USPS website or use their automated phone line to check the status.
3. Enter the required details to see if the funds have been paid out.

This tracking feature provides peace of mind, ensuring your money reaches its destination safely.

2. Your Bank or Credit Union

Image Source: pexels

Using your bank or credit union is a highly convenient option if you are an existing customer. You can handle the transaction at a familiar location, often with a teller you already know. This method is ideal for people who prefer to manage their finances in one place.

Typical Costs

You might ask, how much does it cost to buy a money order from a financial institution? The fees at large national banks are typically uniform. Most major banks charge a flat fee for this service, which makes the cost predictable.

Here is a look at the fees from some of the largest banks in the U.S.:

While many large banks charge around $5, your local banks or credit union might offer a lower price. Some credit unions even provide this service for free if you have a certain type of checking account.

Purchase Limits

Banks set limits on the amount you can put on a single money order. Most institutions cap a single transaction at $1,000. This limit helps banks comply with federal regulations designed to prevent money laundering. If you need to send a larger sum, you can purchase multiple money orders. However, be aware that purchasing over $3,000 in money orders in one day may require you to show identification and fill out additional paperwork.

Core Advantages

The main benefit of using your bank or credit union is the direct link to your funds. You can pay for the money order directly from your checking or savings account, eliminating the need to carry a large amount of cash.

Convenience is Key: For existing customers, buying a money order at your local banks is seamless. The funds are drawn from your account, and the transaction is recorded on your bank statement, providing an extra layer of personal record-keeping.

This integration makes the process quick and secure. Using a trusted bank or credit union ensures your payment is handled professionally.

3. Walmart (via MoneyGram)

For anyone prioritizing affordability, Walmart is often the best place to get a money order. The retail giant partners with MoneyGram to offer a service that is both reliable and exceptionally cheap, making it a popular choice for everyday financial needs.

Low-Cost Fee Structure

You are likely wondering, how much does it cost to buy a money order at Walmart? The answer makes it a standout option. Walmart is known for its low, flat-fee pricing.

The maximum fee you will pay is just $1.00, and in some locations, it can be even lower. This simple pricing makes the Walmart money order an excellent value. For your money order purchase, you can use cash or a debit card. Keep in mind that Walmart does not accept credit cards for this service.

Purchase Amount Limit

Walmart sets a maximum limit of $1,000 for a single money order. This amount is standard across most providers and is sufficient for many common payments, such as rent or utility bills. If you need to send more than $1,000, you can simply buy multiple money orders. However, be prepared to show a valid government-issued ID for purchases totaling $3,000 or more in a single day.

Why It’s a Reliable Choice

Walmart’s reliability comes from its partnership with MoneyGram, a well-established financial services company. With thousands of Walmart stores across the country, you have widespread access to this service.

Tip for Shoppers: You can easily get a money order at the Customer Service desk or a dedicated MoneyCenter inside the store. This allows you to handle your financial tasks while you do your regular shopping, saving you an extra trip.

The combination of low cost, high accessibility, and the backing of MoneyGram makes Walmart a dependable and convenient option for your payment needs.

4. Western Union: The Most Places to Buy Money Orders

Western Union is famous for its massive global network. You can find its agents in supermarkets, convenience stores, and dedicated check-cashing locations. This widespread presence makes it one of the most accessible places to buy money orders.

Variable Fees

You will find that fees for a Western Union money order vary depending on the agent’s location. Unlike Walmart’s flat fee, the price can change from one store to another. It pays to check the cost before you commit.

• For example, a partner like Meijer charges a flat fee of just $0.70 for a money order.
• Other locations might charge a few dollars.

This variability means you might find a great deal or pay a bit more for convenience. Remember that retail stores and check-cashing centers also typically charge a fee to cash a money order, which is a separate cost for the recipient.

Purchase Limit and Online Options

Most Western Union agents cap a single money order at $1,000. If you need to send more, you can purchase multiple money orders. While Western Union is a leader in online money transfers, you generally cannot buy a traditional paper money order on its website. You must visit a physical agent location.

For purely digital transactions, you might explore modern platforms like Biyapay. These services offer a different way to handle payments without needing a physical paper document, providing an alternative to the traditional agent model.

Main Benefit: Accessibility

The number one reason to choose Western Union is its unmatched accessibility. With hundreds of thousands of agent locations, you are almost always near one.

Unbeatable Convenience: Whether you are in a big city or a small town, you can likely find a Western Union agent inside a local business. This makes it incredibly easy to get a payment sent quickly without going out of your way.

This convenience is why so many people rely on the service for their urgent payment needs.

5. Grocery & Convenience Stores: Best Places to Purchase for Convenience

When you need a money order outside of typical business hours, grocery and convenience stores are your solution. Many large chains offer this service, making them some of the best places to purchase a payment instrument while running errands. These retail stores provide unmatched convenience for last-minute needs.

Typical Fees

The cost of a money order at these locations can vary. Grocery stores that partner with services like Western Union or MoneyGram often have low, flat fees. Convenience stores, on the other hand, might charge a percentage of the total amount.

• 7-Eleven: Fees typically range from 1% to 3% of the money order value.
• Minimum Fee: You can expect a minimum charge, often starting around $0.65.

Always ask about the fee structure at the counter before you complete your purchase. This ensures you know the exact cost upfront.

Standard Limits

Purchase limits at retail stores depend on the type of store. You will find that most large grocery chains, such as Kroger or Safeway, set their maximum limit at $1,000 per transaction. This amount is consistent with other major providers.

Convenience stores like 7-Eleven usually have a lower cap. They typically limit a single money order to a maximum of $500. If you need to send a larger amount from one of these locations, you will have to buy multiple money orders.

Why They Are Convenient

The main advantage of using these retail stores is their accessibility and extended hours. You can buy a payment while picking up groceries or grabbing a late-night snack. This saves you a separate trip to a bank or post office.

Ultimate Convenience: Many grocery and convenience stores are open 24/7. This makes them the perfect option for sending funds urgently, even on weekends or holidays when other providers are closed.

This round-the-clock availability provides peace of mind, knowing you can handle financial tasks whenever the need arises.

Choosing the right location to get a money order depends on your needs. Each location offers a different balance of cost and convenience. Always keep your receipt, as replacing a lost money order can be costly.

Lost Money Order Fees:

• USPS: $20.15
• MoneyGram (Walmart): $25
• Western Union: Up to $15
• Banks: Around $15

This table summarizes your best options for every location.

Now you can confidently select the perfect location for your next payment.

FAQ

How do I cash a money order?

You can cash a money order at several places. Take it to a post office, your bank, or a check-cashing store. The recipient must endorse the back of the money order and show a valid photo ID to receive the funds.

Can I track a money order?

Yes, you can track a money order. You must keep your purchase receipt. The receipt contains a serial or tracking number. Use this number on the issuer’s website (like USPS or MoneyGram) to check if the money order has been cashed.

What happens if I lose a money order?

You can request a replacement if you lose a money order. Contact the issuer and provide your original receipt. You will need to fill out a form and pay a cancellation fee. The process can take several weeks to complete.

Important: Always keep your receipt in a safe place until you confirm the payment has been received and cashed.

Can I send a money order internationally?

Some providers offer international money order services. The USPS sends money orders to specific countries. Western Union also has a large international network. Always confirm with the provider that they can send funds to your desired destination before you buy.