https://www.westernunion.com/us/en/home-new.html (July 2, 2018), https://www.westernunion.com/us/en/price-estimator/continue.html (July 2, 2018), https://www.westernunion.com/blog/fill-money-order/ (July 2, 2018), https://www.westernunion.com/global-service/track-transfer (July 2, 2018). Western Union. If you’re going in person, all you have to do is: Otherwise, you can also pay online, use their mobile app, or send via phone if it’s available. See terms and conditions for details. Learn more about our agent locations and visit us today. Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. © 2021 Western Union Holdings, Inc. All Rights Reserved, Western Union® NetSpend® Prepaid MasterCard®, Western Union joins effort to fight human trafficking. comparison between TransferWise and Western Union, How to make a wire transfer with Bank of America, A complete guide to ACH money transfers online, Western Union international money transfer: Your full guide, Paying online: it will cost from $2.99-$81 in fees, depending on how you pay and whether you want to send the money to a bank account or as cash for pickup.², Paying in person: the fee will range from $8 to $58 depending on how you pay and how you want the money to reach your recipient.2, Head to a Western Union branch and purchase your money order, Either deliver the money order in person or send it via mail to the recipient. It’s important to note that Western Union states that not all of its locations, including locations where you can buy a money order… Fees, foreign exchange rates, and taxes may vary by brand, channel, and location based on a number … You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. Note: Watch the process of filling out a Western Union money order in the video above. TransferWise also sends money online but does so without marking up the exchange rate like Western Union admits to doing. Sign the Front of the Money Order. Stop in at any participating Western Union location. Western Union also makes money from currency exchange.². Here’s what they say you need to do:³. Print and complete the money order customer request form and return the receipt, along with a $30 non-refundable processing fee, to the address listed there. Read on. Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. With most money order issuers, including USPS, Western Union, and MoneyGram, you can cancel the payment. Western Union operates through a network of more than 515,000 agent locations in banks, grocery stores, retailers, airports, and currency exchange offices around the world. A Western Union money order is a lot like a check, except that you pay for it upfront. Western Union Financial Here’s all you need to know. Whether you choose to move money via a bank, a money order or an alternative service like TransferWise, doing your research is the first step to choosing the best method for you. Moneygram and Western Union are both popular services for wiring money around the globe. With a money order, there’s no need for a bank account. If you’re curious if you can save money with TransferWise, check out this live comparison between TransferWise and Western Union to find out how much you could save. ; Submit the documentation above and the $15 USD non-refundable processing fee payable to WU with a money order or personal check to the address listed on the form, by fax 1-720-864-0477, or by email RMO@westernunion.com. However, keep in mind that a money order has to be sent via the mail, so it can take a long time to get to an international destination. Many money orders issued at grocery stores, convenience stores, and check cashing stores are Western Union or MoneyGram money orders. You can track your Western Union money order for free through the Western Union customer service hotline; the company does not offer online tracking. Keep your receipt: If the money order gets lost or damaged or needs to be replaced for any reason, you’ll need the receipt to track and cancel it. You can use them to send money even if you don’t have a checking account, or to send money to someone else who doesn’t have a checking account. The purchaser goes to a Western Union agent and pays cash for the money order, which in turn can be cashed at any bank or Western Union location. Western Union® money orders require your address and full name, but others may only have a field for your name. Francis has been a freelance and small business owner for 20 years. However, unlike a check, you need to buy a money order and you have to pay the amount of the money order upfront. K.A. If you don’t know the tracking number, you can enter some personal information instead. Sign and send to the receiver. It provides a reliable way to transfer funds from one person to the next. Western Union: Money Orders ; Writer Bio. Western Union is one of the most common ways people send money overseas.     To do so, either fill out a form or take the money order back to the place you originally bought Bring identification and any information you have about the money order … Services, Inc. Also, you’ll know the exact amount because the transfer fee is spelled out to you ahead of time and there are no added markups or hidden fees. Western Union does not control the mailing process and it may take an additional 10-15 days. A money order is the right solution when cash or a check won’t cut it . Click Here to Chat. On the Western Union website you should be able to click “Track a Transfer.”⁴ Then choose whether you are the sender or the receiver of the money order, and enter its tracking number, which can be found on the money order receipt. Western Union money orders offer a secure alternative to paying by check. Western Union’s money order tracking service lets you do this online – so long as you have the right details to hand. It can be delivered in person or via mail to anyone in the world, who can then cash it or deposit it into their bank account. Money orders are an easy way to make secure, prepaid payments. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. Step 2: Fill out your first and last name and complete address on the “Purchaser’s Address” line. See terms and conditions for details. 3. How to Stop a Payment on a Western Union Money Order By Craig Berman Men are working on their tablets. If the money order meets those conditions, a non-refundable service charge will be deducted from the amount shown on the money order. Western Union is the largest global cash transfer service. Which is why, before you commit to a money sending method, it’s important to do your research to make sure you’re choosing the best one for your needs. Use them to give a gift, make a purchase, or even pay a bill. Complete the money order tracing/refund request form on the back of the money order receipt and return it, along with a $15 non-refundable processing fee, to the address listed there. COMPANY INFORMATION About Advertise With Us History Careers Culture Meet The Executives Express HR/Associates Greatpeople.me Investor Relations News Room Vendors & Suppliers Business to Business PO Box 7030 Englewood, The Western Union name, logo, and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission. We cannot verify if a customer is the true purchaser when you call Customer Care. Keep in mind that many have a $1,000 limit. Know how to send, receive, all the fees included and the address required. Nor does it occur as quickly. All requests for refunds and photocopies must be in writing. Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Which means you’ll want to get out a calculator and start comparing the exchange rate you see on your screen to the one you find on Google to find out how much that additional charge is going to cost you. Think of a money order as a pre-paid check. Call Customer Service at 1-800-999-9660. Chat is … Note: Please allow 30 days for processing. Write who you pay to the order of, enter your full name and address, account number if necessary, and then just sign it and take your receipt. Maximum amount: Varies by location. Learn all about sending and receiving money internationally with Wells Fargo. If you need a refund, however, you must request it by mail, email or fax. Understanding the different options and costs involved in using Western Union can help you see if it’s the best choice for you. These money orders are especially useful for people without a bank account. Western Union does offer faster money transfers online, but make sure to do your research, because that may not be your cheapest option. The Western Union money order is simple. Use your full legal name and your current mailing address in this section. Learn all about international and domestic wire transfers with PNC Bank. *Card issuer cash advance fee and associated interest charges may apply. Check Into Cash. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. See terms and conditions for details. Sign the front of the money order. Fees: 3% to 5%, plus a $2 enrollment fee for … If the money order has been cashed, a photocopy will be mailed to you only when the processing fee is received. If you are interested in another convenient, low-cost alternative, consider a Prepaid Debit Card. Western Union is a great option for sending money overseas because it has agent locations in more than 200 countries and territories.¹ Western Union also makes money from currency exchange. You also prepay for a money order, at a location such as a U.S. post office, Walmart or Western Union. Complete, sign and date the money order tracing-refund request on the back of the money order receipt or complete the Money Order Customer Request form. Armed with a Western Union tracking number, or MTCN, you can find out where your money transfer is right now. This purchase agreement is stated on the money order receipt. Learn all about international and domestic wire transfers with Bank of America. Call Us. They aren’t the only fees. Keep in mind that many have a $1,000 limit. You’ve come to the right place. Wondering what an international ACH transfer is? TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. You can purchase one at any Western Union location. Read on to learn what you need to know about sending money orders via Western Union, as well as some alternatives. Money orders can be purchased at any participating Western Union® agent location. She taught Accounting, Management, Marketing and Business Law at WV Business College and Belmont College and holds a BA and an MAED in Education and Training. Western Union® money orders offer a reliable, convenient alternative to cash or a check. You'll need to fill out a money order request form and provide the funds, as well as pay a service fee. Image Credit: Joe Raedle/Getty Images News/Getty Images Money orders are fully funded at the time of purchase, so stopping payment isn't always as easy as performing that action on a personal check. Select Western Union agent locations in the U.S. give you access to not only send money, but to also purchase money orders, pay bills and purchase minutes for prepaid smartphones. The automated system will take information so the company can fax or mail a copy of a Lost Serial Number Form to you. But for an example, let’s say you need to send $1000 from the US to the UK. To do so, you will need the money order stub or receipt that shows the money order serial number. . This can be a challenge, as post offices might not have sufficient cash on hand and some stores that sell MoneyGram and Western Union money orders will only cash money orders sold by their chain. Colorado 80155-7030. Without the money order serial number, you may not be able to check a money order… The fees for purchasing a money order vary by location. Know how to send, receive, and all the fees included. The money order should not be presented for payment (deposited or cashed), as it will be returned unpaid. 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