TransferWise always sends money at the exact mid-market rate — like the rate you find on Google — so there are no surprises when it comes time to pay for your transfer. Nor does it occur as quickly. 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. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. 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. Money orders can be purchased at any participating Western Union® agent location. Chat is … However, unlike a check, you need to buy a money order and you have to pay the amount of the money order upfront. If your money order was issued by an organization not already covered here (such as your bank or credit union), there’s still a good chance that you can trace it. Western Union does not control the mailing process and it may take an additional 10-15 days. So those fees you see? When choosing a money transmitter, carefully compare both transfer fees and exchange rates. These money orders are especially useful for people without a bank account. 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. For example, if it’s a USPS money order, take it to a post office that handles money orders. 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. PO Box 7030 Englewood, The power to send money around the world is yours. Western Union Financial Services, Inc. Select the prompt for assistance if you do not have the 11-digit serial number from your Western Union money order stub. This purchase agreement is stated on the money order receipt. A Western Union money order is an alternative to checks that you can cash and deposit. 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. 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. Western Union’s money order tracking service lets you do this online – so long as you have the right details to hand. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. If the money order meets those conditions, a non-refundable service charge will be deducted from the amount shown on the money order. In addition to Western Union's well-known money transfer service, many of these agents will issue money orders, which are useful when you can't use personal checks, credit cards or cash for payment. Here’s what they say you need to do:³. Can a money order purchased in the US be cashed outside of the US? All requests for refunds and photocopies must be in writing. Western Union is a great option for sending money overseas because it has agent locations in more than 200 countries and territories.¹ A money order is the right solution when cash or a check won’t cut it . Wondering what an international ACH transfer is? Note: Watch the process of filling out a Western Union money order in the video above. Customer Care (US): 1-800-325-6000; Website Care: 1-877-989-3268; For TTY users: 1-800-877-8973; Mail Us. Step 2: Fill out your first and last name and complete address on the “Purchaser’s Address” line. Colorado 80155-7030. Western Union Money Orders and Money Transfers Western Union Money Orders. The service charge conditions are described on the back of the money order. Learn all about sending and receiving money internationally with Wells Fargo. Money orders are a prepaid payment method that is accepted by almost any business, government agency, or bank. Francis has been a freelance and small business owner for 20 years. Western Union. Learn all about international and domestic wire transfers with Bank of America. *Card issuer cash advance fee and associated interest charges may apply. Money orders are an easy way to make secure, prepaid payments. Find a Western Union Location Status of my Money Transfer Price Estimate to Send Money Customer Care ... Search. 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. With Western Union, you can send money domestically, pay bills, check exchange rates *, track a transfer, make an international money transfer, and more – right from your smart phone. Learn all about international and domestic wire transfers with PNC Bank. Purchase for the principal amount you need. If you need a refund, however, you must request it by mail, email or fax. However, they’re often slower and more expensive than alternatives like TransferWise. How to Get Your Western Union Money Order Refund. It’s a simple and reliable way to give money in person or send it through the mail. Armed with a Western Union tracking number, or MTCN, you can find out where your money transfer is right now. Without the money order serial number, you may not be able to check a money order… Read on to learn what you need to know about sending money orders via Western Union, as well as some alternatives. 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. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The fees for purchasing a money order vary by location. Fill out the ‘Payee’ information. Signature: Sign the front of the money order, not the back — that’s where the recipient needs to sign in order to cash it. 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. Fees, foreign exchange rates, and taxes may vary by brand, channel, and location based on a number … Western Union also makes money from currency exchange.². © 2021 Western Union Holdings, Inc. All Rights Reserved, Western Union® NetSpend® Prepaid MasterCard®, Western Union joins effort to fight human trafficking. For example, it costs less if you pay online using a credit or debit card than if you pay in cash in person at a Western Union branch.2 On Western Union’s website, there’s a price estimator that will help you get an idea of what it will cost to send your money. Western Union Financial Use your full legal name and your current mailing address in this section. Click Here to Chat. Call Us. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. 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. Learn more about our agent locations and visit us today. Maximum amount: Varies by location. Sending a Western Union money order is pretty straightforward. 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. The transfer fee is usually 0.5-2.5% of the transfer amount depending on the destination. ; 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. Keep in mind that many have a $1,000 limit. Send money online to 200 countries and territories with more than 500,000 Western Union agent locations. Keep in mind that many have a $1,000 limit. Know how to send, receive, all the fees, including exchange rate spread. Know how to send, receive, all the fees included and the address required. 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. Western Union does offer faster money transfers online, but make sure to do your research, because that may not be your cheapest option. Sign the front of the money order. 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. Money orders may seem like an old-fashioned way to send money overseas, but they definitely have their place in the conversation. With most money order issuers, including USPS, Western Union, and MoneyGram, you can cancel the payment. Also, make sure you know the correct spelling of the recipient’s name because you can’t change this information once the money order is processed. 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. Pay to the order of: Write the name of the person you want to send money to. A Western Union money order offers the convenience of a check without the need for a checking account. . To do so, you will need the money order stub or receipt that shows the money order serial number. How much a Western Union money order costs depends on where you’re sending it and how you’re paying for it. 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 Western Union money order is simple. It provides a reliable way to transfer funds from one person to the next. It’s also important to note that Western Union will mark up the exchange rate it uses to convert currency when sending internationally. Think of a money order as a pre-paid check. Or how to make one? 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 reliable, convenient alternative to cash or a check. 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 sells money orders, but some of its locations may also be able to cash them. Note: Please allow 30 days for processing. Fees: 3% to 5%, plus a $2 enrollment fee for … If you don’t know the tracking number, you can enter some personal information instead. 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 … To get started, download the Western Union ® app. Call (800) 999-9660, enter the 11-digit serial number on your money order receipt stub, and then press the pound sign. Prior results do not guarantee a similar outcome. You can send money to Western Union agents in more than 200 countries and territories,¹ although they still have restrictions on which banks they may work with in specific countries. How to Stop a Payment on a Western Union Money Order By Craig Berman Men are working on their tablets. Western Union is the largest global cash transfer service. 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. You can purchase one at any Western Union location. 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. Stop in at any participating Western Union location. If the money order has been cashed, a photocopy will be mailed to you only when the processing fee is received. See terms and conditions for details. This guide will help. Keep your receipt until you know the money order has been received. Sign the Front of the Money Order. She has been writing about personal finance and budgeting since 2008. Other money order questions? Western Union® money orders require your address and full name, but others may only have a field for your name. Money Orders. TransferWise also sends money online but does so without marking up the exchange rate like Western Union admits to doing. Know how to send, receive, and all the fees included. Western Union: Money Orders ; Writer Bio. 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. 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. We cannot verify if a customer is the true purchaser when you call Customer Care. See terms and conditions for details. See terms and conditions for details. Use a debit card to avoid these fees and charges. TransferWise is safe and secure and strives to be the most transparent way to move money across international borders. International money orders, normally sent by mail, are a more secure than cash or checks since they don’t include your bank information and are more difficult to steal. Read on. Here’s all you need to know. It lets you send and receive funds domestically or internationally from over 200 countries and 500,000 sites in the Western Union network. Find out what are all the fees and charges, and how much time does it take. They aren’t the only fees. K.A. 3. Buy at participating Western Union agent locations. 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. Many money orders issued at grocery stores, convenience stores, and check cashing stores are Western Union or MoneyGram money orders. A Western Union money order is a lot like a check, except that you pay for it upfront. 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 Fill out the form entirely and fax, email or mail it back to Western Union so they can trace the money order and determine if it's been cashed. Learn all about international and domestic wire transfers with Chase Bank. You also prepay for a money order, at a location such as a U.S. post office, Walmart or Western Union. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Call Customer Service at 1-800-999-9660. The many pricing variables make it impossible to state whether Western Union or … But for an example, let’s say you need to send $1000 from the US to the UK. You can track your Western Union money order for free through the Western Union customer service hotline; the company does not offer online tracking. Check Into Cash. Services, Inc. Western Union is one of the most common ways people send money overseas. 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. With a money order, there’s no need for a bank account. The automated system will take information so the company can fax or mail a copy of a Lost Serial Number Form to you. Step 1: On the “Pay to the Order of” line, fill in the name of the company or person where you plan to send the money order. A Western Union money order is a lot like a check, except that you pay for it upfront. You’ve come to the right place. The Western Union name, logo, and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission. Send money on the go with the Western Union ® app. Western Union provides a guide for filling out a money order. Western Union money orders offer a secure alternative to paying by check. 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. Use them to give a gift, make a purchase, or even pay a bill. Moneygram and Western Union are both popular services for wiring money around the globe. 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). Most money order issuers will allow you to check if your money order has been cashed by tracking the money order. And in this article, you’ll find out how to do that. Status of my Money Transfer Price Estimate to Send Money Customer Care Log In Sign Up English (US) Chat With Us. 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. 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. Make sure to do this first, because that way, if you lose the money order, no one else can find it and cash it. You can contact them to find out if they cash money orders. 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. It is not intended to amount to advice on which you should rely. Use them to give a … Sign and send to the receiver. . The money order should not be presented for payment (deposited or cashed), as it will be returned unpaid. 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 Money Order FAQs. If you are interested in another convenient, low-cost alternative, consider a Prepaid Debit Card. You'll need to fill out a money order request form and provide the funds, as well as pay a service fee. It’s important to note that Western Union states that not all of its locations, including locations where you can buy a money order… Purchaser’s Address: Fill out your information where it says “From,” “Sender,” “Remitter” or “Purchaser.” You’ll need to provide your full name and address. Western Union ® money orders offer a reliable, convenient alternative to cash or a check. Western Union also makes money from currency exchange. Understanding the different options and costs involved in using Western Union can help you see if it’s the best choice for you. Pay for it upfront the funds, as well as some alternatives or,... It and how much a Western Union can help you see if it s... By Craig Berman Men are working on their tablets from over 200 countries and territories.¹ amount. Address required the person you want to send $ 1000 from the amount shown on the destination,,... 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