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Alternatives to Ria for international money transfers

Which money transfer companies are similar to Ria?

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 $50,000 if sending by bank transfer
  • 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
  • You can’t send more than $5,000 at a time if paying by credit card

InstaReM's logo


InstaReM only offers zero-margin transfers for some currencies and during certain hours, the company doesn’t make it clear which currencies and hours this applies to. These rates can make it especially cost-effective in some situations.

Why pick InstaReM instead?

  • Offers the mid-market exchange rate for some currencies during certain trading hours.
  • Transfers typically take one business day


  • Only supports transfers to a bank account
  • You can’t pay with cash or credit card

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


  • Not currently available in New Zealand
  • Limited currencies
  • Higher fees if you want instant transfers
  • Low daily minimum of $18,000

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 transfer limit of $10,000
  • 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
AUD 250 1 - 2 days NZD 0.00 0.679 USD
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies. Go to site Show details
NZD 250 1 day NZD 0.00 0.679 USD
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send has fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
NZD 0 Same day NZD 0.00 0.678 USD
XE has fast transfers with competitive rates and a range of foreign currency tools. Go to site Show details
NZD 2,000 2 days NZD 0.00 0.679 USD
Exclusive offer: Discounted exchange rates for all Finder customers.
WorldFirst sends 60+ currencies at competitive rates. If you find a better eligible quote, WorldFirst will beat it.
Go to site Show details
NZD 250 1 day NZD 0.00 0.679 USD
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Go to site Show details
NZD 1 Within an hour NZD 3.99 0.678 USD
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details
NZD 1 1 - 2 days NZD 80.00 0.682 USD
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
NZD 5 1 - 2 days EUR 3.00 0.676 USD
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
NZD 10,000 1 - 2 days NZD 0.00 0.676 USD
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace. 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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