How to Cash Money Order Without Bank Account

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Last Updated on September 11, 2021 by Mikebush The Rich Lazy Asshole

There is your precious money order for cash out. However, you want to know how to cash money order without a bank account. It is not entirely impossible, but to an extent, you can’t cash your money order without leaving some form of a trace.

A money order is like your check. However, it is prepaid. You can also deposit a money order like you would deposit a check into a bank account.

It could be that you have no bank account or do not intend to trace the cash out to your bank account. Since you do not want to cash your money order through your bank account, you could explore a variety of options.

Do you have to have a bank account to cash a money order?

A money order does not contain personal information, including your bank account number and routing number. You can cash your money order in other cashing points and not just through your bank as the recipient. Moreover, you are not mandated to contact the same issuer to be able to cash it.

How to Cash Money Order Without Bank Account

how to cash money order without bank account

Are you willing to cash without your bank account? Below are reliable options you can use to cash your money order without your bank account:

  1. Use a Different Cashing Country

Perhaps, you are just learning that the USPS offers international money orders. This means you can have your money cashed in a different country using a different bank. USPS has a binding agreement with these other countries, making it possible for you to have your money order cashed there. In the same manner, USPS also cashes international money orders they receive.

  1. Cash at a Checking Store

You can cash a money order via your nearby check cashing store. Yes, you would have to pay a fee, but the fee is usually small to compensate for the cashing service rendered. A cashing store will likely require your valid ID to confirm your identity before you cash the money.

  1. Cash Money Order Using the Post Office

A post office can cash your money order, so you do not need your bank. Sometimes, your local mail carrier can cash your money order if they have sufficient funds. If you want to cash your money order at the post office, you need a valid form of identification to verify that you are the rightful recipient. You will have to sign the money order before the postal clerk. If a money order is made to multiple people, they may be required to sign it.

Someone can send you a fake money order, so you want to be sure that you are not receiving a fake money order. If the USPS issues your money order, you can call them to verify whether it is authentic or not. You can also use the USPS online verification tool to verify the money order you receive.

Read about what happens if you cash a fake money order.

  1. Use a Money Mule

A money mule is someone who receives money on your behalf. They may take 10-15 percent of the money value, especially if your money order is fraud an illicit transaction. You can also make anyone your money mule by having them complete the money order transaction from their bank account. In this case, you avoid tax, keep your bank account anonymous, stopping tax agencies from knowing the amount of money you spend.

  1. Use a Retail Shop

A retail or grocery store can cash your money order, so you do not need the bank. Like other cashing institutions, they also require your valid ID to verify that you are the rightful recipient. This measure is put in place to fight money order fraud and ensure your safety.

Note that not all handle money orders. Some stores also limit their cashing services to particular money order brands. You want to confirm that the store can cash your money order.

Why is Money Order Hard to Cash Without a Bank Account?

The simple answer why money order is hard to cash without a bank account is that scammers ruined the trust. People who engage in money laundering can use the money order to launder large amounts of cash from several illegal activities, including selling drugs. Terrorists, on the other hand, can money-order to purchase weapons and explosives and get away with it.

How can I cash a money order if I don't have a bank account


While it might be heart-warming to be able to cash a money order easily without a bank account or a form of trace from either party, you may not realize that it could be facilitating illegal activities.

Some state laws are designed to get people who make large money transactions through money orders to report to both the state and federal authorities. It helps the government know how cash moves around, which also curbs fraud, laundering, and related schemes.

If you are honest, no need to panic about not linking your money order to your bank account. The responsible agencies only need your bank information to compare the money to your tax return automatically. Otherwise, they do not exactly care about your bank account.

Final Thoughts

Above, you have various methods of cashing your money order without a bank account. That money order is merely a paid paper, and there is a dollar value limit. The sender purchased it in the value of the cash you will receive. Now, you want to be sure that you are not receiving a fake money order.

Since money orders are paid papers, they can be easily counterfeited. To reduce or, perhaps, fight money order scams, many financial institutions require that your money order has a relationship with your bank account so that you are contacted when there is a problem.

Note that you can endorse someone to cash your money order. And if the money order is counterfeit, the person becomes liable for the loss because the bank traces the transaction to them.

If a money order is damaged or stolen, a service such as the USPS can replace it with a token. Also, to cash more than $10,000 in money orders at the post office, you could be required to complete additional paperwork for ID verification.

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