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Can I cash a damaged or torn money order?

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Money orders are one of the fastest and easiest ways to make payments or send cash securely. When you receive a money order, it’s important you’re careful when you’re taking it to be cashed.

Since it’s just a slip of paper, it can be easily damaged or torn. However, if this happens you might still be able to use the money order – it just depends how damaged it is.

How much damage is a problem?

When you’ve handed your money order over to be cashed by a Money Services associate, they’ll need to check the serial number and signature to make sure it’s valid. As long as these key details are intact, a small tear shouldn’t be an issue.

However, if the number and signature are not clearly displayed, you may have to ask the sender for a new money order to be sent.

Pile of US dollar bills

Can I put a shredded money order back together?

If you find yourself having to stick together pieces of a shredded money order, it’s unlikely to be accepted when you try to cash it. You will more than likely have to ask for a replacement money order to be sent to you from the sender.

To find out for sure, drop by your nearest Money Services and find a store associate. They’ll take a look and advise you on what to do.

What should I do if my money order is ruined?

If your money order is so damaged it’s deemed invalid, you’ll need whoever ordered it to get a replacement. The process is simple. All they’ll have to do is:

  • Print and complete the money order customer request form.
  • Return with the receipt and a $15 processing fee to the listed address.
  • If they don’t have their receipt, fill out and send the same form with a $30 fee.

If the money order has not been cashed, they’ll get a refund.

For more information on buying a money order, visit our Money Orders page.

How can I keep my money order safe?

To prevent your money order getting damaged, you could keep it in these safe places:

  • File or folder

    Make sure you’ve got a good filing system so important documents aren’t lost or damaged.

  • Locked desk drawer

    Add an extra level of security with a lock system. Go a step further with a personal safe.

  • Wallet or purse

    When moving from store to home, don’t carry money orders in your hand or shove them into a bag. Ideally, you’d have a plastic wallet to keep them in.

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