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Ria

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Minimum Transfer Amount
$1
Fastest Transfer Speed
Within an hour
Receiving Options
Cash pickup location, Bank account, Mobile wallet

Our verdict

Send fast transfers to over 190 countries and territories, but consider other options if you need to send more than $3,000.

Ria Money Transfer is a US-based company that lets you send money transfers just around the world. You can send cash pickup transfers, bank transfers, mobile wallet and even cash home delivery to some countries. It's quick and easy to send funds, and cash pickup transfers are ready for your recipient to collect in as little as 15 minutes.

Just be aware that an exchange rate markup and transfer fee will apply to your transaction. And with a maximum transfer limit of $3,000 per day, you'll need to look elsewhere if you want to send a large amount.

Best for: People who need to send cash pickup transfers of less than $3,000.

Pros

  • Send money to over 190 countries and territories
  • Over 500,000 cash pickup locations worldwide
  • Flexible delivery methods
  • Fast transfers

Cons

  • Not suitable for transfers of more than $3,000
  • Exchange rate markup applies
  • Watch out for transfer fees

In this guide

  • Our verdict
  • Details
    • Product details
  • Frequently asked questions
  • Your reviews
  • Ask a question

Details

Product details

Product Name Ria
Pay By Bank transfer
Receiving Options Cash pickup location, Bank account, Mobile wallet
Customer Service Phone, Email, In person
Available Currencies AED, ALL, AMD, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BYN, CAD, CDF, CHF, CLP, CNY, COP, CRC, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KGS, KHR, KMF, KZT, LAK, LBP, LKR, LRD, MAD, MDL, MMK, MNT, MXN, MYR, MZN, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SCR, SEK, SLL, SRD, THB, TJS, TND, TOP, TRY, TTD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, XAF, XCD, XOF, YER, ZMW, MRO

What is Ria?

Ria is a money transfer service that lets you send money to over 190 countries and territories. Founded in New York City in 1987, Ria is best known for offering cash pickup transfers to a global network of over 500,000 agent locations. However, it also supports other transfer types, including bank account deposits and mobile wallet transfers.

What we like about Ria

  • Send money to over 190 countries and territories. Ria lets you send money from Canada to recipients all around the world.
  • Large global network. Ria has over 500,000 cash pickup locations globally.
  • Flexible transfer options. You can send a transfer in-store, online or via the Ria mobile app.
  • Supports multiple receiving methods. Receiving methods include cash pickup, bank account and mobile wallet. Cash home delivery is also available in a small number of countries.
  • Easy to use. It’s quick and easy to send a transfer online or using the Ria app. The app also has a “Send Again” feature so you can send repeat transfers quickly.
  • Fast transfers. If you send a cash pickup transfer and pay with a credit or debit card, the money could be ready for your recipient to collect within minutes.
  • 24/7 security monitoring. Ria’s security team monitors transfers 24/7 for any signs of suspicious activity.
  • First transfer is free. There are no fees on your first transfer if you enter the HELLORIA promo code.

What to be aware of

  • Low transfer limit. The maximum amount you can send with Ria is limited to $3,000 per day. If you need to send a larger transfer, you’ll need to consider other providers. It’s worth noting that some Ria agent and partner locations also impose their own receiving limits.
  • Exchange rate markup. Ria adds a margin to the mid-market exchange rate when converting your Canadian dollars to foreign currency. When we checked, this markup ranged anywhere from approximately 0.2% to 3% depending on the currency being sent.
  • Transfer fee. You’ll also pay a transfer fee to send money with Ria. The size of the fee varies depending on your payment and delivery method, where you’re sending money and the transfer amount.
  • No bank transfer payment. You can only pay for your transfer using credit card, debit card or cash.

Ria exchange rates

You won’t get the mid-market exchange rate when you transfer money with Ria. Ria adds a margin on top of the mid-market rate, but the size of this markup varies depending on the currency. As you can see in the table below, we found the markup to be around 2.5 – 3% on currencies like the USD and EUR, but less than 1% if you’re sending to India or the Philippines.

It’s a good idea to compare the rate offered by Ria with the current mid-market rate to calculate the size of the exchange rate markup. You can then use this to compare exchange rates across other money transfer providers.

It’s also worth pointing out that Ria often offers a promotional exchange rate on your first transfer. So if you’re sending a one-off transfer rather than making regular payments, you may be able to secure a good deal.

Sample Ria exchange rate markups

Sending money toMid-market exchange rateRia exchange rateEstimated exchange rate markup
United States1 CAD = 0.73 USD1 CAD = 0.71 USD2.74%
Europe1 CAD = 0.68 EUR1 CAD = 0.66 EUR2.94%
India1 CAD = 60.62 INR1 CAD = 60.48 INR0.23%
Philippines1 CAD = 41.98 PHP1 CAD = 41.60 PHP0.91%
Mexico1 CAD = 12.45 MXN1 CAD = 12.13 MXN2.57%
Japan1 CAD = 114.46 JPY1 CAD = 112.46 JPY1.75%

How we calculated the Ria exchange rate markup

To estimate the Ria exchange rate markup, we took the rate quoted by Ria for sending $500 to each destination. We then subtracted Ria’s rate from the mid-market rate (taken from Xe), then divided that number by the mid-market rate and converted it to a percentage.

Please note that the percentages quoted are estimates. The exchange rate markup you receive will vary depending on factors like where you’re sending money and when. Use Ria’s app or website to calculate how much you’ll be charged.

Ria money transfer fees

You’ll also pay a transfer fee when you send money with Ria. The fee amount varies depending on:

  • Payment method
  • Delivery method
  • Where you’re sending money
  • Transfer amount

It’s easy to check the fee that will apply to your transfer using the calculator on Ria’s website or in the mobile app. To give you an idea of how Ria money transfer fees change, the table below shows the transfer fee that applies when you send $500 to India.

Sending money toPayment methodDelivery methodTransfer fee
IndiaDebit cardCash pickup$8.99
IndiaCredit cardCash pickup$12.99
IndiaDebit cardBank transfer$1.99
IndiaCredit cardBank transfer$2.99

Ria payment and delivery methods

You can send a transfer with Ria online, via the Ria mobile app or in-person at a Ria location. You can use Ria to send money to:

  • A cash pickup location that your recipient can easily access
  • Your recipient’s bank account
  • Your recipient’s mobile wallet
  • Your recipient’s home via courier delivery (only available in selected countries)

You can pay for your transfer using:

  • Cash (in-store only)
  • Credit card
  • Debit card

How to sign up for a Ria account

You can create a Ria account online or via the mobile app. Here’s what you need to do if signing up online:

  1. Visit the Ria website and click “Register”.
  2. Choose Canada as your country of residence and click “Get started”.
  3. Enter your phone number and then type in the security code that is sent to your phone.
  4. Create your password.
  5. Enter your name, date of birth, occupation, email address and residential address.

How to send a money transfer with Ria

You can send a transfer with Ria by completing the following steps:

  1. Log in to your account and click “Send money”.
  2. Choose the country you’re sending money to and enter the amount you want to transfer (or the amount you want your recipient to get).
  3. Choose your payment method.
  4. Choose the delivery method.
  5. Enter your recipient’s details, including their name, where they live and their bank account details (if applicable).
  6. Review all transaction details and send your transfer.

How long do Ria transfers take?

Ria international money transfer speeds depend on factors such as:

  • Your payment method
  • The day and time of week you send your transfer
  • Where you’re sending money
  • Any necessary security checks

Ria says that if you’re paying by card, transactions commonly take 15 minutes to 6 hours to complete, while paying by cash deposit will take up to 1 business day. Bank account transfers can take up to 4 business days.

Is Ria safe to use?

Ria has been in business for over 35 years and has handled more than 1 billion transfers. It is regulated in Canada by FINTRAC.

Ria has 24/7 security monitoring in place to track transfers and detect suspicious activity. It also helps keep your financial information safe by never storing payment details on its servers.

Ria reviews

Customer reviews for Ria are generally positive. Users who have left positive reviews on Trustpilot mention Ria’s ease of use, fast transfers and competitive fees. Negative reviews sometimes complain about cancelled transactions, slow transfer speeds and poor customer service.

FeatureDetails
Trustpilot4.4/5 stars based on 18,957 Ria reviews
Google4.1/5 stars based on 7 Ria reviews (US headquarters)
Better Business Bureau accreditedYes (US headquarters)
Better Business Bureau ratingA+ (US headquarters)
Better Business Bureau reviews1.26/5 based on 26 Ria reviews (US headquarters)
Reviews as of30 April 2024

Ria app reviews

FeatureDetails
Google Play4.8/5 stars based on over 97,000 ratings
Apple App Store Canada4.8/5 stars based on over 7,700 ratings
Reviews as of30 April 2024

How does Ria compare to other money transfer services?

Our table below lets you compare services you can use to send money abroad. Compare fees, exchange rates and discounts from different money transfer services, and when you have made your choice, click Go to site.
Name Product Offer Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
24 hours
From 0.43%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Xe Money Transfers
Within minutes
$0
Xe has fast transfers with low fees and a range of foreign currency tools.
Instarem
Within minutes
From $0
Use code HELLO to get $20 off on first two transfers on a min transfer of $250. Valid until November 30, 2023.
Instarem offers zero transfer fees on all transfers.
Africhange
Within minutes
From $0
Send money in CAD to Africa on this blockchain and P2P powered provider.
Remitly
Finder Award
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
MoneyGram
Finder Award
MoneyGram
Within minutes
From $4.99
For a limited time, get $0 fees on your first money transfer from Canada. Conditions apply.
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Xe Money Transfers
Within minutes
$0
Xe has fast transfers with low fees and a range of foreign currency tools.
OFX
Finder Award
OFX
24 hours
$0
Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
OFX has no maximum limit transfers, with competitive exchange rates for 50+ currencies.
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Bottom line

Ria is well worth considering if you want to send a cash pickup transfer just about anywhere around the world. But its exchange rate markup varies depending on where you’re sending money, so compare rates across a range of money transfer services to work out whether it offers good value for your transfer. And if you need to send more than $3,000, you’ll need to consider other options.

Frequently asked questions

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