Can You Replace a Money Order?

While most money orders reach their destination without a problem, you do you run the risk that it can be lost, misplaced or even stolen, especially if you send the money order through the mail. Fortunately, most financial institutions record and track all of their money orders, making getting a replacement possible.

Reporting

If you suspect your money order was lost or stolen, you should report the situation immediately. You can report the missing money order to the financial institution you purchased it from. If you think theft might have been a factor, you should also report the situation to your local police department. Reporting the money order to the police department may also help expedite your replacement claim.

Tracking

When you buy a money order, the paper comes with a detachable slip that includes the number of the money order, similar to an account number. Western Union, the United States Postal Service and many banks keep an electronic record of every money order they issue. If you can provide the financial institution with the account number from your slip, they can track the money order and determine if anyone cashed it in for payment.

Replacement

If you have misplaced an uncashed money order, many banks will replace the money order for a fee. The United State Postal Service also offers replacement money orders. Having the money order number will help expedite the process, but some financial institutions may be able to research the money order using your personal information. Contact the issuer for specific details on how to replace the money order.

References

• USPS: Domestic Money Orders
• Western Union: Frequently Asked Questions Western Union Money Order