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Kroger money orders: Fees, limits, and instructions
Kroger is one of the largest grocery chains in the US and offers a money order service in many of its stores. In this guide, you'll learn everything you need to know about Kroger money orders, their costs, limits, and how to use them.
We’ll also introduce Wise, a money order alternative for sending money abroad with no hidden fees.
Does Kroger do money orders?
Yes, Kroger partners with Western Union to provide money orders in its stores.¹
Money orders are a safe and reliable way to pay bills or transfer funds to family and friends. If you're unfamiliar with money orders, it's a prepaid alternative to a check that you can use to pay someone or send money.
Money orders are paid upfront so they can't bounce - unlike checks. This is why many people use money orders to safely send funds when they don't want to use cash or their personal bank account.
How much is a money order at Kroger?
The Kroger money order cost is fairly minimal.
The Kroger money order fee is generally 1 USD, but the exact fees depend on your location.² On top of this, you may have to pay a Western Union fee as well.
If you're sending an international money order, there will be additional costs because Western Union makes money on exchange rates.³
When you convert your money from one currency to another, these providers add a margin on top of the actual exchange rate. This means that your recipient gets less money in the foreign currency.
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Kroger money order limit
Like most places that offer money orders, Kroger has a limit on how much you can send in a single transaction. Kroger doesn't disclose the exact numbers on its website, but you can expect the Kroger money order limit to be 1,000 USD, which is typical.
If you want to send more than 1,000 USD, you'll need to purchase multiple money orders. For example, if you need to send 2,500 USD, you'd need to buy three money orders - two for 1,000 USD each and one for 500 USD.
You'll have to cover the full fee for each money order. If you need to send a large amount of money, the fees can quickly add up.
Keep in mind that there also may be limits on how many money orders you can buy per day.
Can I send money overseas with a Kroger money order?
Yes, you can send money abroad with a Kroger money order. With Western Union, it's possible to transfer money internationally to 200+ countries, including India, the Philippines, Canada, Brazil, and more.¹
That said, not all countries accept money orders, so it may be difficult for your international recipient to cash the money order. Make sure to double-check all the logistics before sending one.
Western Union also profits from currency exchange rates, so sending a Kroger money order overseas comes with hidden costs.³
Make low cost international transfers with Wise
A smart option if you’re sending money overseas: meet Wise.
Register a Wise account online or in the Wise app on iOS and Android, and send money to 160+ countries, with the mid-market exchange rate and low, transparent fees.
Wise always shows you the amount you’re paying and how much your recipient will get — and you can even compare against other providers on the Wise app or desktop site.
If another service is cheaper for your particular payment, you’ll be shown — so you can’t lose.
| See how Wise compares with international bank transfers in our full guide |
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Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
How to send money using a Kroger money order
Sending a Kroger money order only takes a few simple steps. Follow this process:
- Visit a Kroger store: Check your local Kroger money center hours and head over to the Kroger Money Services Desk
- Show a valid form of ID: Kroger will ask for your social security or Taxpayer Identification Number as well as a valid ID, such as a US-issued passport, state-issued ID, driver's license, or a resident alien ID¹
- Get a money order: Tell the cashier the amount you want to send.
- Pay the total: This includes the amount you're sending plus the fee. You'll need cash or a debit card to purchase the money order
- Fill out the money order: Complete the money order form with the necessary details
- Keep your receipt: You'll need your receipt as proof of purchase and if you want to track or cancel the money order
Once you're done, you can deliver the money order by mail or in person.
How to fill out a Kroger money order
It's important to fill out a money order correctly so that the right person can cash it. Follow these steps:
- Write the recipient's name in the "Pay to the Order of" field
- Write your name and address in the purchaser’s section
- Sign the money order in the field labeled "Purchaser's Signature"
- Include relevant details such as an account number or why you're making the payment in the "Memo" or "Payment For" field
- Keep your receipt to track or cancel the money order
Just like that, you're all set. Make sure to double-check all of the details before sending.
How to track or cancel a Kroger money order
You'll need your receipt to track your payment or get a Kroger money order refund.
To track your money order, visit the Western Union website or call their customer service. You’ll need the money order number, which is on your receipt. You'll be able to see if your recipient has cashed the money order.
If your money order hasn't been cashed yet, you should be able to cancel it. You'll have to fill out a Money Order Customer Request and pay associated fees. These fees depend on the amount of your money order.
| Money order value⁴ | Cancellation fee⁴ |
|---|---|
| 5 USD or below | 0 USD |
| Above 5 USD and less than 100 USD | 5 USD |
| 100 USD and higher | 15 USD |
Kroger money order FAQs
How late can I get a money order at Kroger?
Most Kroger stores offer money order services during regular store hours. The exact hours depend on your location, but most Kroger stores are open until 10 PM or 11 PM.
Where can I cash a Kroger money order?
You should be able to cash your Kroger money order at most banks, check-cashing stores, or even your local Walmart. Make sure to always bring a valid ID with you.
You may need to pay a small fee to cash your Kroger money order.
How do you return a money order from Kroger?
If you've purchased a money order but no longer need it, you can request a refund from Western Union. This should work as long as the money order hasn't been cashed.
You'll need your receipt and will have to fill out a refund request form. You'll also need to pay cancellation fees, which can be as high as 15 USD.⁴ It might take a few weeks to receive your Kroger money order refund.
Can you get a money order with a credit card?
No, you must pay in cash or use a debit card to send a money order.
Kroger money orders are a safe way to send small amounts of money if you don't want to use your bank account.
If you're sending money internationally, check out Wise for a low cost option. You can send money to 160+ countries — all at the mid-market exchange rate with no hidden fees.
Sources:
- Kroger - Money Orders
- Kroger - Payments and services
- Western Union
- Western Union - Money Order Customer Request
Sources checked 08.28.24
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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