Walmart Money Order Limit

What is a Walmart money order limit? Walmart is the go-to place for money orders, check-cashing, and money wire transfers. The Walmart Money Center is conveniently open seven days a week, excluding holidays.

The hours are Monday through Saturday between 8 am to 8 pm and Sunday from 10 am to 6 pm. Being open on Sunday is a major selling point for many consumers. Financial institutions like banks and credit unions and the United States Postal Service “USPS” are closed on Sunday.

If you are considering transitioning from traditional banking services to Walmart, you need to be well-informed in advance. Learn more about Walmart Money Center services by reading the content provided below.

What is Walmart Money Order Limit 2023?

Walmart Money Order Limit

Stopping for a money order at your local Walmart Money Center is efficient for the most part. As previously mentioned, Walmart Money Center hours are more flexible than most financial institutions. There are several other reasons why consumers opt to buy money orders at Walmart, with the primary one being no checking account.

Most financial institutions are not keen on doing business with consumers who do not qualify for a checking account. Walmart, on the other hand, does not care if you have a checking account.

How much does a money order cost? A money order at Walmart costs less than $1. Compared to the USPS, consumers can save up to $0.95 on money orders between $500 and $1,000. Consumers pay a $1-fee to purchase a money order for up to $1,000.

The USPS poses $1.50- fees for money orders up to $500. So, if you purchase a money order for $450, your total will be $451.50. While the fee may seem minuscule, it is not unusual for consumers to purchase multiple money simultaneously.

This is especially the case for consumers who do not qualify for a checking account. If you do not have a debit card, your only bill pay option is by mail. Since you do not have a bank account, a personal check is out of the question. Your next alternative is a money order.

Recommended: What Time Does Walmart Money Center Close?

What Is A Walmart Money Order?

A Walmart money is essentially a bank certificate, cashier’s check, or prepaid check. Money orders are more secure than personal checks. A personal check can be as useless as the paper it is written on because the money is not secured.

For example, a customer utilizes a personal check to pay an electric bill. It can take up to five business days to cash the customer’s personal check and have it deposited into the electric company’s bank account. This gives the customer five days to remove the money out of their personal checking account.

Does this really happen? Absolutely, which is why more and more companies are turning away from personal checks.

When a customer acquires a money order from Walmart, the money is deposited into Walmart’s bank account. This is where it will remain until the recipient cashes it.

Does Walmart do money orders that are secure? Yes, every money order sold at the Walmart Money Center is secure, even if it takes several weeks to cash them.

Are Walmart Money Orders A Form Of Credit?

No, they are just as good as cash. When a customer purchases a Walmart money order, the money is instantly secured. Cash and debit card payments are the only acceptable form of payment for MoneyGram money orders purchased at Walmart.

Can Walmart Money Orders Bounce?

No, they are secure as previously mentioned. Walmart money orders are one of the safest payment methods, followed by debit card and credit card payments.

They are much more secure than a personal check. Bouncing a money order will never happen until MoneyGram’s bank account goes bust.

Do You Need A Checking Account To Cash A Money Order?

No, a bank account is not required to purchase or cash a money order. However, MoneyGram agents will not cash a money order without a valid government identification card. The valid photo ID must be presented along with the money order to a Walmart associate.

Are Walmart Money Orders Trackable?

Yes, Walmart money orders have a serial number that can be traced back to the retailer. If a Walmart money order is damaged beyond cashing, it is possible to trace it as long as you have your receipt.

Always keep your receipt for this purpose. Store your money order and the retail receipt in a safety box for at least six months of the initial purchase date.

USPS and Walmart money orders come with some type of receipt. The Walmart money order has a stub receipt on the right side of the document, with a perforated line. Before mailing the money order to the recipient, you must remove the receipt stub.

USPS money orders have a carbon copy like a duplicate personal check. Unlike the Walmart money order, the USPS money is completed at the same time as the duplicate copy. You save the duplicate copy for your records.

How To Trace A Walmart Money Order?

How To Trace A Walmart Money Order?

If the recipient denies receiving your Walmart money order, you can have it traced. However, this is only possible if you have the receipt stub and store receipt. You can track your money order by contacting MoneyGram.

The company has a toll-free number that allows consumers to trace their Walmart money orders. Have your receipt stub on hand before making the call.

You will be asked to provide the customer support representative with the serial number on the receipt stub. The serial number consists of 10 numbers, with an additional number inside of a square.

Once the representative has your information, she will conduct a search to determine if your money order has been cashed.

You must follow the same process to request a replacement. However, MoneyGram will need to conduct an investigation before a replacement is issued.

Can Walmart Money Orders Be Purchased With A Credit Card?

No, Walmart does not accept credit cards as a form of payment for money orders. Acceptable payment options include cash and debit card. Does Walmart do money orders through personal checks? No, personal checks are not an acceptable form of payment for money orders. Why? First, and foremost, a Walmart money order is a secure form of money.

To ensure the money order is secure from the instant it is purchased and until it is cashed, Walmart deposits the money into its bank account. Eventually, the money makes its way to MoneyGram’s bank account.

Credit card payments are not secure because of potential chargeback claims. A customer can easily purchase a Walmart money order with a credit card and later dispute the charge. To ensure this does not happen, Walmart and USPS will not accept credit card payments.

Is A Walmart Money Order Good As Cash?

Yes, which is why they are a popular form of payment. When a customer purchases a money order at Walmart, the payment is instantly secured in Walmart’s bank account. It will remain there until it is eventually wire transferred to MoneyGram.

MoneyGram recommends completing all fields as soon as possible. Doing so will prevent someone else from cashing it in the event it is misplaced or lost.

To secure your money order, each field must be completed. Never mail out an incomplete Walmart money order to avoid a mishap later on down the road.

Recommended: How To Get Walmart W2

Where To Cash MoneyGram Money Orders?

Walmart money orders are prepaid financial instruments of MoneyGram. There are several cashing options, including an authorized MoneyGram agent like Walmart.

MoneyGram partners with retailers, pharmacies, supermarkets, and convenience stores nationwide to provide American consumers access to affordable money orders.

Most financial institutions cash Walmart money orders. Some banks do not charge their customers fees for cashing MoneyGram money orders. Most banks do charge non-customers money order cashing fees.

Some check-cashing services also cash MoneyGram money orders.

You can visit MoneyGram’s official website to conduct an authorized agent search. Most MoneyGram agents do impose fees for cashing money orders.

How To Cash A Walmart Money Order?

Can you cash money orders at Walmart? Yes, but only MoneyGram money orders. Another stipulation is Walmart will not cash MoneyGram money orders purchased from other authorized agents.

For example, a customer purchases a MoneyGram money order at Kroger and takes it to Walmart to be cashed. Walmart will not cash the money order because it was purchased through another agent.

Does Walmart Impose Fees On Money Orders?

Yes, Walmart like most other MoneyGram agents does charge fees to cash money orders. The retailer charges a maximum of $4 to cash money orders up to $1,000.

Customers have the option of paying the fee upfront or having it deducted from the transaction. Whatever the case may be, the customer is penalized no more than $4 for each money order cashed.


Walmart money orders are secure, traceable, and affordable. They can be cashed at most banks, credit unions, authorized agents, and check-cashing services.

You can expect to pay up to $4 at Walmart to cash a MoneyGram money order. However, the retailer does not accept money orders from other authorized MoneyGram agents.

Recent Entry: Does Walmart Take Apple Pay?