September 28, 2023
Learn all you need to know about money order validity, including how long they last, why they expire, and what to do when they do. Explore alternatives, myths, and professional tips for a smooth transaction.


Money orders are a popular payment option that can be purchased from a variety of locations, including banks, post offices, and stores. They are often used to send money to individuals or organizations that do not accept personal checks or cash. When purchasing a money order, it is important to understand the validity period to avoid any confusion or unnecessary fees.

Demystifying the Validity of Money Orders: All You Need to Know

Money orders typically have a validity period ranging from 60 days to one year. However, the validity period can vary based on the issuer and the location where the money order was purchased. For instance, USPS money orders are valid for one year from the issue date, while Western Union money orders expire after only 60 to 90 days.

It is important to note that if a money order is not cashed or deposited before the expiration date, it will be considered void. Attempting to cash an expired money order may result in unfavourable consequences.

Why Do Money Orders Expire? A Closer Look at the Process and Policies

Money orders are often considered a safer payment option than personal checks or cash because they are prepaid and do not contain identifying information. However, this also means that money orders are more susceptible to fraud and theft. As a result, money order issuers have implemented policies to protect their customers.

There are also financial tracking benefits for companies that issue money orders. By including expiration dates, they can more accurately evaluate their revenue and liabilities. In addition, it encourages customers to cash their money orders promptly and reduces the risk of lost revenue.

The Insider’s Guide to Extending Your Money Order’s Validity

If you find yourself with a nearly expired money order, you may be able to extend its validity by requesting an extension from the issuer. However, this is not always an option and may come with additional fees. You should also keep in mind that some issuers may require you to have proof of purchase or identification to request an extension.

How to Keep Your Money Order Valid for Longer: Tips from Professionals

One of the easiest ways to keep your money order valid for longer is to avoid letting it sit before cashing or depositing it. This means promptly sending it to the intended recipient or depositing it into your account as soon as possible.

Another useful tip is to keep track of the expiration date and make a reminder for yourself to cash it in advance. This will help avoid any unnecessary fees or confusion regarding the status of the money order.

Common Myths About Money Orders: Is It True They Expire After 90 Days?

There are many myths surrounding the validity of money orders, including the belief that they all expire after 90 days. As previously mentioned, the validity period can vary based on the issuer and location of purchase. It is always important to read the terms and conditions carefully or ask for clarification before purchasing a money order.

What Happens When Your Money Order Expires: The Do’s and Don’ts

If your money order has already expired, it is important to not attempt to cash it. Doing so may result in fees or penalties, and the money order may be rejected by the issuer. It is recommended to obtain a replacement money order instead.

If you do not need the money anymore, you should consider taking some time to shred or dispose of the money order properly to protect yourself and others from fraud.

Alternatives to Money Orders: A Comprehensive Guide

If you are looking for alternative payment options, there are several choices available depending on your needs and preferences. Some popular alternatives include personal checks, cashier’s checks, and electronic transfers. It is important to do your research and find the option that best suits your specific situation.


Understanding the validity period of money orders is an important step in using them as a payment option. By keeping track of expiration dates, promptly cashing or depositing the money orders, and avoiding common myths, you can ensure a smooth transaction. It is also important to consider alternative payment options and to take precautions to protect yourself from fraud.

Remember to always read the terms and conditions carefully, and do not hesitate to ask for clarification if needed. By following these tips and guidelines, you can make the most out of your money order experience.

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