Advertiser Disclosure

Lost Money Order? How to Cancel It and Get Your Cash

To cancel a money order, contact the issuer, provide details, attach a copy of the receipt, submit the cancellation form and pay a fee.
Nov. 7, 2018
Banking, Banking Basics
Lost Money Order? How to Claim Your Cash
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Whether you received a money order or bought one to pay someone else, losing it doesn’t always mean saying goodbye to your funds.

» Unsure whether to get a new one? See our money order guide

Here’s how to cancel and replace a money order or get a refund.

How to cancel a money order

You can cancel a money order that hasn’t been cashed. (If it’s already been cashed, skip ahead.)

Step 1: Contact the issuer, who will ask you to start the cancellation process by completing a request form. If it was a postal service money order, visit a post office to fill out the form.

Step 2: Provide details such as the money order’s purchase date, location and amount, as well as its tracking number. You’ll find this information on the money order receipt, which the buyer gets at the time of purchase. If you don’t have the receipt, fill in as much information as you can.

You might also be asked for the name of the person or company you were paying and a brief description of how the money order was lost.

Step 3: Attach a copy of the receipt, if you have it.

Step 4: Submit the cancellation request form and pay a fee. Depending on the provider, you don’t have to return the form to the same location, or even in person. Some issuers, including Western Union, let you email, fax or mail the request.

Fees

Here’s what some of the larger money-order issuers charge for a cancellation:

  • MoneyGram: $18 (available at Walmart)
  • U.S. Postal Service: $5.95
  • Western Union: $15 if you have your receipt, $30 if you don’t

Once the issuer accepts payment, it will verify your information and research whether the money order was cashed. If all goes well, the issuer will cancel the old money order and send a new one. The entire process varies by issuer, but it can take about 20 to 30 days if you provide a receipt. If not, it can take up to eight weeks.

Some of NerdWallet’s favorite free checking accounts

With a free checking account, you might have access to money orders, as well as other secure payment options. Here are some of our favorites.

Chime

at Chime,

Member, FDIC


4.0 NerdWallet rating

Discover

at Discover,

Member, FDIC


4.5 NerdWallet rating

Axos Bank™

at Axos Bank™,

Member, FDIC


4.0 NerdWallet rating

Monthly fee

$0






Free ATM access

Over 30,000 ATMs






Bonus features

No overdraft fees



Monthly fee

$0





Free ATM access

Over 60,000 ATMs






Bonus features

1% cash back on qualifying debit card purchases of up to $3,000 a month



Monthly fee

$0






Free ATM access

Unlimited reimbursement of domestic ATM fees






Bonus features

Earn up to 1.25% APY on account balance




See more free checking accounts

Money order refunds

Instead of receiving a new money order, you can request your money back, usually on the same form. The fees and time to process are generally the same as if you canceled.

What if the money order was cashed?

If the money order has already been cashed, you probably won’t get your cash back or a replacement money order. But you might still be able to collect.

The provider might give you a photocopy of the cashed money order. If you think it was cashed fraudulently, alert your local law enforcement. The copy could help authorities catch the criminal and make sure the money is returned to you.

To help protect yourself against fraud, write a name in the “payee” field as soon as you buy the money order and give one only to people or businesses you trust.

If you receive a money order, cash it or deposit it in a checking or savings account before you have a chance to lose it. But if your money order does disappear, follow these steps for a decent shot at reclaiming your cash.

Margarette Burnette is a staff writer at NerdWallet, a personal finance website. Email: mburnette@nerdwallet.com. Twitter: @margarette.