How to Send a Money Order Through the Post Office

You may need to send money via mail to friends, family, or in a business transaction at times. Sending a money order is one of the most secure ways to do this in the United States. A money order is a certificate of payment for a specific amount. It can be cashed or deposited in the same way that a check can. However, it has a number of security features that make a money order a much better choice for mailing. Money orders, for example, can usually be replaced if they are lost or stolen. A money order can also be used if you do not have a bank account. Money orders can be purchased easily at banks, many retail stores, and all post offices. Here’s how you do it:

 

Method 1 Sending International Money Orders

1. Determine whether or not to send a money order. Sending money orders through the mail has both advantages and disadvantages. Benefits include increased security, the elimination of the need for a bank account, the ability to complete a transaction with a single payment, and the ability to send money overseas. Extra fees, extra paperwork, the need to go to a bank or post office instead of going online, dealing with limitations on the amount of money you can send, and occasional delays in sending and receiving money are all potential problems when sending a money order. Before sending a money order abroad, carefully consider your options.

If speed is critical, consider wiring money rather than sending a money order. Western Union transfers are almost instantaneous, whereas money orders must physically travel the distance involved.

If you need to send more than $700 internationally, you may encounter money-order limitations, requiring you to purchase multiple money orders.

2. Look into the countries that accept international money orders. Not all countries do. At the time of writing, only 29 countries accepted American money orders. Before accepting foreign money orders, any country is free to impose specific restrictions and conditions. Before you go any further, check with your post office to see which countries will accept your money order and which may require additional paperwork on your part.

3. Go to the post office. Speak with a clerk at the service counter. If you don’t know where your nearest post office is, use an online post office locator like https://tools.usps.com/go/POLocatorAction!input.action. Money orders can be issued at any full-service U.S. post office.

Credit unions, banks, and certain large retail stores sell money orders as well.

4. Inform the postal clerk that you want to buy an international money order. They can be purchased in the United States for any amount up to $700. (Some countries, such as El Salvador and Guatemala, will not accept money orders larger than $500.) The clerk will provide you with the necessary paperwork to complete.

5. Make a payment for the money order. You can pay in cash, with a debit card, or with a traveler’s check.

A small transaction fee will be added to the face amount of the money order. An international money order costs $4.50 in the United States. When you pay the clerk, this is added to your total.

It should be noted that a traveler’s check can only be used if the money order is for at least half the amount of the traveler’s check. For example, if you have a $500 traveler’s check, you can use it to buy a money order worth at least $250 (or multiple money orders totaling at least $250).

6. Complete the money order form. The form has several lines to fill out, and it is critical that you do so correctly. Make certain that you only use blue or black ink and that everything is printed correctly and legibly. Most money-order forms will require you to enter the following information:

Today’s date

Your full name

Your full address

The recipient’s name

The recipient’s full address

The amount of money you are sending

A description of the purpose for the money

7. Put your money order in an envelope that has been stamped and addressed. Fill out all of the address information and affix the appropriate postage. The correct postage is determined by the weight of the letter and its destination. A one-ounce international letter costs about $1.15 in postage.

8. Choose which additional security features you want to buy. When sending money orders, you have the option of increasing the amount of security and insurance on your envelope. Indemnity coverage is provided at no cost, so you can request that a lost or stolen money order be replaced for a small fee. Insurance, as well as other features such as registered mail or restricted delivery, are available if you want your money order to be more secure. You can inquire with the postal clerk about the costs and benefits of these additional services.

9. Keep your receipt in a secure location. Make sure you get a receipt for your money order from the postal clerk. Keep the receipt in a safe place where you can find it later. A wallet, filing cabinet, or desk drawer, for example, could be good places to keep your money order receipt.

If your money order is lost or stolen, your receipt will assist you in receiving your refund as soon as possible. Money-order replacements, on the other hand, are subject to a $6.10 fee.

10. Keep track of your money order. To predict when your money order will arrive at its destination, use the Postal Service’s tracking feature. This feature will allow you to track the location of your money order at all times and will notify you when it is expected to arrive at its destination. This will assist you in ensuring that the funds have been directed to the correct location and person.

If your package goes missing, contact your post office right away. They will provide you with the necessary forms to begin the money order replacement process.

Method 2 Sending Domestic Money Orders

1. Determine the amount of money you want to send. You cannot send more than $1,000 in a single domestic money order. If you need to send more than $3,000 in money orders in a single day, you must fill out an additional form and bring a photo ID with your home address and full name.

Remember to bring personal identification if your purchase exceeds $3,000 to the post office.

2. Make the decision to send a money order. There are advantages and disadvantages to sending money orders through the post office. Money orders provide extra security, do not require a bank account, and allow you to pay in advance. Extra fees, extra paperwork, having to visit your local post office in person instead of dealing online, having caps on the amount of money you can send, and potential delays in sending and receiving money are all potential disadvantages of sending a money order. Before sending a money order, carefully consider your options.

If time is of the essence, consider wiring the funds rather than sending a money order. Western Union transfers can be completed almost instantly, whereas money orders must be physically delivered to their destination.

3. Pay a visit to your local post office. In order to speak with a clerk, you must first stand in line. If you don’t know where your nearest post office is, use an online post office locator like this one: https://tools.usps.com/go/POLocatorAction!input.action. Most official post offices will be able to issue you a money order.

If you live in a remote area, your rural carrier may be able to provide you with a money order form. This may be more convenient than going to the post office. Discuss this option with your postal carrier ahead of time so they can provide you with the necessary forms.

Credit unions, banks, military bases, and certain large stores are also places where money orders can be purchased.

4. Inform the postal clerk that you want to buy a domestic money order. Individual money orders are available in denominations of up to $1,000. You can’t buy more than $3,000 in money orders in a single day unless you fill out extra forms and show a photo ID. Your postal clerk will be able to provide you with the necessary documentation.

5. Order the money order. Domestic money orders will incur a small fee, usually between $1.00 and $2.00. Pay the fee plus the money order amount. You can pay with cash, a debit card, or a traveler’s check.

It should be noted that traveler’s checks can only be used if the purchase amount exceeds half the amount of the traveler’s check. For example, if you have a $500 traveler’s check, you can use it to buy money orders worth $250 or more.

Military personnel who purchase military money orders pay a slightly lower fee of 40 cents per money order.

6. Complete the money-order form. The form has several lines to fill out, and it is critical that you do so correctly. Make sure you use blue or black ink and that everything is printed correctly and legibly. Most money-order forms will require you to fill out the following information:

Today’s date

Your full name

Your full address

The recipient’s name

The recipient’s full address

The amount of money you are sending

A memo explaining the purpose of the money

7. Put your money order in an envelope that has been stamped and addressed. Fill out all of the address information and affix the appropriate postage. The cost of postage is determined by the weight of your letter. A single first-class stamp is required if the envelope weighs less than an ounce.

8. Choose which additional security features you want to buy. When sending money orders, you have the option of increasing the level of security and insurance on your package. Indemnity coverage is provided at no cost, so you can request that a lost or stolen money order be replaced for a small fee. Insurance, as well as other features such as registered mail or restricted delivery, are available if you want your money order to be more secure. You can inquire with your postal clerk about the costs and benefits of these additional services.

9. Keep your receipt in a secure location. Make certain that the clerk gives you a receipt for your money order. Keep the receipt in a safe place where you will remember it. The receipt could be kept in a wallet, filing cabinet, or desk drawer.

If your money order is lost or stolen, your receipt will expedite your refund. A money order replacement, on the other hand, costs $6.10.

10. Keep track of your money order. To predict when the money order will arrive at its destination, use the Postal Service’s tracking feature. This feature will allow you to always know where your money order is and when it is expected to arrive. This will assist you in ensuring that the funds have been directed to the correct location and person. [Image:Send a Money Order Through the Post Office Version 2.jpg|center]]

If your package goes missing, contact your post office right away. They will be able to provide you with the necessary paperwork to begin the money-order replacement process.

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