Money orders can be replaced if they are damaged, lost or stolen, but the process isn’t always easy, nor is it free. You’ll have to return to the place where you purchased the original money order and provide information proving you purchased it. After checking to see whether it was cashed or not, you may get a new one -- but there’s no guarantee.
Know the Number
When you purchase a money order, you receive a receipt that contains its serial number. To get a replacement money order, you usually need to have that number handy. If you don’t, the establishment you purchased it from may be able to track it down, but the process will take longer and you risk having your request denied.
Time and Money
Expect any resolution on a replacement money order to take weeks, if not months, to arrive. Between 30 and 60 days is the customary wait that institutions cite as the timeline for resolution. Also expect to take out your wallet. The postal service, for example, makes you fill out PS Form 6401, then submits a payment inquiry to determine the status of a lost or stolen money order before issuing a replacement. It charges a fee for this service. MoneyGram charges a $15 processing fee that either must be included with the application or is deducted from the refund amount.