Is It Illegal to Mail Money? The Straight Dope from a Postal Pro

The short answer? No, it is not inherently illegal to mail money in the United States or most other countries. However, there are crucial caveats and best practices to understand to avoid issues with theft, loss, or even running afoul of the law, even inadvertently. It’s all about how you do it and what kind of money you’re talking about. Let’s dive in and unpack the dos and don’ts.

Mailing Cash: Proceed with Extreme Caution

The Allure and the Danger

Let’s be blunt: mailing cash (physical currency) is generally a bad idea. While the United States Postal Service (USPS) doesn’t explicitly prohibit it, they strongly discourage it. Why? Because cash is incredibly tempting to thieves. Once a letter is opened and currency is visible, it becomes a prime target.

Think about the journey a letter takes. It passes through numerous hands, automated sorting machines, and various postal facilities. At any point, it’s vulnerable. Even sealed well, the suspicion alone can lead to problems.

Best Practices (If You Absolutely Must)

If you absolutely must mail cash – perhaps you’re sending a small amount to someone without a bank account in an emergency – follow these guidelines:

• Send via Registered Mail: This is the most secure service the USPS offers. It requires a signature upon delivery, creating a traceable chain of custody. It’s also insured, providing some protection against loss.
• Conceal the Contents: Don’t just slip bills into an envelope. Wrap the cash in dark paper or cardboard to make it less obvious. Consider placing it between two pieces of cardboard. The goal is to make it feel flat and less like money.
• Use a Padded Envelope: Offers some extra protection and concealment.
• Don’t Write “Money” or “Cash” on the Envelope: Obvious, but worth stating.
• Consider Breaking Up Large Amounts: Instead of sending a single $100 bill, send multiple smaller denominations. This makes it less appealing to potential thieves.
• Document Everything: Keep a record of the serial numbers of the bills you send. This won’t necessarily help you recover the money, but it might be useful in a police investigation.
• Inform the Recipient: Let the recipient know the expected delivery date and tracking number (if applicable). This allows them to be vigilant and report any delays promptly.

Alternatives to Mailing Cash

Before you even consider mailing cash, explore safer alternatives:

• Money Orders: A very reliable option. They are secure and traceable. Available at post offices, banks, and many retail locations.
• Cashier’s Checks: Similar to money orders, but issued by banks.
• Wire Transfers: Services like Western Union and MoneyGram allow you to send money electronically.
• Online Payment Platforms: PayPal, Venmo, Zelle, and Cash App are convenient for sending money digitally.
• Prepaid Cards: Load a prepaid debit card with the desired amount and mail that.

Mailing Checks and Money Orders: A Better Bet

Less Risky, But Still Requires Precautions

Checks and money orders are significantly safer to mail than cash. They are not as readily usable by thieves because they generally require identification for cashing or depositing. However, you still need to take precautions to prevent theft and fraud.

Essential Safety Measures

• Use a Secure Envelope: Opt for envelopes with security features, such as a patterned lining or tamper-evident seals.
• Write Clearly and Legibly: Especially the recipient’s name and address.
• Consider Tracking: While not always necessary, adding tracking to the envelope provides peace of mind.
• Never Leave Checks Unattended: When dropping off mail, use secure USPS collection boxes or hand it directly to a postal worker.
• Monitor Your Bank Account: Regularly check your account for any unauthorized transactions.
• If Mailing a Check You Are Receiving: If someone is mailing you a check, consider asking them to use a secure mailing method like registered mail with a signature.

Mailing Precious Metals and Valuables: Handle with Utmost Care

Gold, Silver, and Jewelry: Extra Precautions Required

Mailing precious metals like gold and silver, or valuable items like jewelry, adds another layer of complexity. The risks of theft and loss are even greater, and there are specific USPS regulations to consider.

USPS Regulations and Best Practices

• Insurance is Essential: Insure the package for its full value. This provides financial protection if the item is lost or damaged.
• Declare the Contents: Be honest about the contents of the package. Misrepresenting the value or nature of the item can void the insurance.
• Use Sturdy Packaging: Pack the item securely in a durable box with ample cushioning to prevent damage during transit.
• Registered Mail or USPS Priority Mail Express: These services offer tracking, insurance, and signature confirmation, providing a higher level of security.
• Consider a Private Carrier: For extremely valuable items, consider using a private carrier like FedEx or UPS. They often have specialized services for handling high-value shipments.
• Get an Appraisal: For valuable jewelry, consider getting a professional appraisal to document its worth. This can be helpful if you need to file an insurance claim.

Illegal Mailing Activities: What to Avoid at All Costs

Know the Laws

Beyond the risks associated with mailing money, there are certain activities that are strictly illegal under federal law. These include:

• Mailing Counterfeit Currency: It is illegal to mail fake money or other counterfeit items.
• Mailing Illegal Drugs: Mailing controlled substances is a serious federal offense.
• Mailing Hazardous Materials: Certain materials, such as explosives, flammable liquids, and radioactive materials, are prohibited from being mailed.
• Mailing Obscene Materials: Mailing sexually explicit content may violate federal obscenity laws.
• Mailing Items Intended to Defraud: Using the mail to commit fraud is a federal crime.

Frequently Asked Questions (FAQs) About Mailing Money

FAQ 1: What happens if I mail cash and it gets lost?

If you mail cash and it gets lost, unfortunately, you are likely out of luck. The USPS will not be responsible for lost cash unless you used Registered Mail and insured it, which is the only way to protect your mailed currency.

FAQ 2: Is it safe to mail gift cards?

Mailing gift cards is generally safer than mailing cash, but they can still be stolen. Consider using a gift card that can be remotely disabled if lost or stolen.

FAQ 3: Can I mail coins?

Yes, you can mail coins, but the same precautions as with cash apply. Wrap them securely and consider using a padded envelope. Mailing via Registered Mail is recommended for valuable coin collections.

FAQ 4: What is Registered Mail?

Registered Mail is the most secure service offered by the USPS. It provides a documented chain of custody, requires a signature upon delivery, and offers insurance coverage.

FAQ 5: How much does Registered Mail cost?

The cost of Registered Mail varies depending on the value of the item being insured and the weight of the package. Check the USPS website for current rates.

FAQ 6: Can I track a letter with cash in it?

You can only track a letter with cash in it if you use a service like Registered Mail or Priority Mail Express. Regular First-Class Mail does not offer tracking.

FAQ 7: What should I do if I suspect my mailed cash has been stolen?

Report the theft to the USPS and file a police report. Provide as much information as possible, including the date of mailing, the recipient’s address, and any identifying marks on the envelope.

FAQ 8: Is it illegal to mail money internationally?

Mailing money internationally is subject to the laws and regulations of both the sending and receiving countries. Check with the postal service in both countries for specific restrictions.

FAQ 9: Can I mail a blank check?

Mailing a blank check is extremely risky. It’s like mailing cash, but even more dangerous because a thief can fill it out for any amount. Never mail a blank check.

FAQ 10: Are money orders insured?

Yes, money orders are generally insured against loss or theft. Keep your receipt as proof of purchase.

FAQ 11: What is the best way to send a large sum of money?

For large sums of money, the safest options are wire transfers, cashier’s checks, or using a secure online payment platform.

FAQ 12: What are the penalties for mailing illegal items?

The penalties for mailing illegal items vary depending on the nature of the item and the applicable laws. They can range from fines to imprisonment.