Does someone close to you want to send you money for a gift or reimburse you for an advance? It is possible to do this by post, but not just any old way. How to receive money by post? The solution.
No sending cash by post
Postal items are convenient since most of them arrive directly in our mailbox.
Some might be tempted to slip a few bills and coins into an envelope.
However, you should know that this practice is prohibited by the legislator, as part of the fight against money laundering.
La Poste therefore refuses cash transfers by post, including registered letter with acknowledgment of receipt, Colissimo or any other postal service.
This rule is clearly notified in the general conditions of the company, which everyone can consult freely, on the site of the Post Office or in branch.
It is important before sending cash to consult the general conditions available on the site of the post office to realize that it is prohibited.
If you break the law, the responsibility of the Post office can in no way be engaged, unlike yours.
And in the event of a problem, you will have no recourse and so you will not get back the lost amount.
The cash mandate, secure postal delivery
To receive money by post legally, a specific service exists: the cash mandate. It also has the merit of being secure.
Receive a money order at La Poste
The procedure developed by La Poste for send a money order Is simple.
By choosing the cash mandate,
- the sender deposits the cash that he wishes to send to you at the counter of a postal agency.
- The money is put in a special sealed envelope.
- The sender then communicates your details to the advisor who processes his request.
- The sender leaves with proof of deposit money at the counter, including the amount, time and agency of deposit.
- He also has in hand a secret code to communicate with you so that when the time comes, you can get your money back.
- Because as a beneficiary, you just need to go to a post office to collect your money, however, remember to provide you with a valid proof of identity and the secret code communicated by the sender.
The terms of the cash mandate
The amount of money transferred by cash order to the Post is capped.
Thus, you will not be able to recover more than 1500 € by cash mandate.
It is to highlight that the sending of a cash mandate is invoiced by the Post Office, for a variable amount depending on the type of cash mandate sent.
The different types of La Poste cash money order
For a transfer of cash between individuals, the appropriate service is based on a Western Union money order service relayed by La Poste.
A distinction is also made between the Service mandate, which concerns social benefits, the Justice mandate for sending money to a prison inmate and the Invoice mandate to pay for the services of a company.
An alternative : the bank transfer
If the sending of a money order does not tempt the person who wishes to pay you the money, it may be possible to subscribe to a current account or a passbook through a bank, such as the Banque Postale for example.
Then all you have to do is deposit the cash. Once credited to the open account, the amount can be transferred to you directly to the recipient’s account if he agrees to communicate his RIB.
The transfer operation is quick and easy to set up.
The system of cash mandates at La Poste was overhauled in 2018, with the disappearance of ordinary cash mandates and priority cash mandates.
The new system, expanded by type of transaction, remains the only way to receive cash by La Poste.