Alternatives to Ria for international money transfers

Which money transfer companies are similar to Ria?

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While Ria’s strength lies in its many cash pick-up locations, your currency may not be available or it might not be the cheapest option.

We’ve put together a list of some of the more popular alternatives to Ria below. Check them out to see if you could get lower fees and a better exchange rate elsewhere.

worldremit logo


WorldRemit operates in almost the same range of countries as Ria and also has flexible options for receiving the money.

Why pick WorldRemit instead?

  • Higher daily limit of $40,000 if paying by credit/debit/prepaid card, Apple Pay, Google Pay or Interac
  • Money can be sent to the recipient’s door, bank account or mobile wallet as well as to a cash pick-up location
  • Instant transfers available


  • In some countries, you can only send money to top up your recipient’s phone credit
  • Can’t send more than $4,000 at a time if paying by credit/debit/prepaid card, Apple Pay, Google Pay or Interac

TorFX logo Image: Supplied


TorFX is a digital money transfer service. It’s different to Remitly in that it only allows bank-to-bank transfers, has higher limits and has no fees.

Why pick TorFX instead?

  • No transfer fees
  • Competitive rates
  • Price match competitors’ exchange rates
  • Forex tools such as forward contracts and limit orders


  • Bank-to-bank transfers only
  • Can take several days and has no express option
  • Higher minimums mean it doesn’t suit all smaller transfers

ofx logo


If you want to send more money than Ria’s limit, OFX could be a good option for you.

Why pick OFX instead?

  • No maximum transfer amount
  • No fees if you’re sending over $10,000
  • Forex tools available, such as forward contracts and limit orders


  • Adds a margin to the exchange rate
  • Only supports bank transfers
  • Recipient must have a bank account

WorldFirst logo


WorldFirst doesn’t have a maximum transfer limit, so it’s a good option if you’re looking to send a large amount of money.

Why pick WorldFirst instead?

  • No fees on your transfer
  • Best rate guarantee where WorldFirst will beat a better quote
  • Forex tools
  • No limit to how much you can send


  • Minimum transfer amount is $2,000
  • Both you and the receiver must have a bank account
  • Can’t send to mobile wallets or cash pick-up locations
  • Adds a margin to the exchange rate

Remitly logo


Remitly offers a range of options for your receiver, including home delivery in some countries. Remitly also has an “on-time promise”, which means the company will refund your money if it doesn’t arrive on time.

Why pick Remitly instead?

  • Express option for instant transfers
  • Can pay with card and not just a bank transfer
  • Don’t need verification to send money
  • Can send to a cash pick-up location or home delivery


  • Limited currencies
  • Higher fees if you want instant transfers
  • Sending limits apply based on the amount of personal information you provide for security purposes. Tier 1 approval requires basic personal information (such as your full name and address) and can limit you to $999 CAD per day up to $18,000 per 180 days. Tier 3 approval requires more information (such as proof of how you’ll fund the transfer – i.e. a bank statement or paystub) and can allow you to send a maximum of $9,999 per day up to $60,000 per 180 days.

MoneyGram logo


MoneyGram sends money to over 200 countries and is one of the major players in the money transfer industry. If Ria doesn’t support the currency you’re after, there’s a good chance MoneyGram will.

Why pick MoneyGram instead?

  • 350,000 cash pick-up locations around the world
  • Transfers in minutes
  • Can pay by cash or in-person


  • High transfer fees
  • Low maximum online transfer limit of $990 CAD (however, you can send more from a MoneyGram location)
  • Adds a larger margin to the exchange rate when compared to others on this list

Still looking for other options?

If you’re still unsure, take a look at the table below. You can input how much you want to send in the calculator and you will be able to see the transfer details for some of the most popular money transfer companies.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 150 1 day CAD 0.00 0.753 USD
Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
A higher exchange rate applies to non-finder customers. Send money in 45 currencies.
Go to site Show details
CAD 0 Within an hour CAD 3.99 0.753 USD
Use code FINDERCA and pay zero fees on your first transfer. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details
CAD 1 1 - 2 days CAD 90.00 0.756 USD
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
CAD 0 1 day CAD 0.00 0.753 USD
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
GBP 5,000 1 - 2 days CAD 0.00 0.753 USD
Aimed at larger transfers, CurrencyTransfer is an online marketplace that lets you shop around for the best exchange rate. Go to site Show details
CAD 2,000 1 day CAD 0.00 0.753 USD
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies.
Go to site Show details

Compare up to 4 providers

The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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