Review: Ria international money transfers

Fast transfers and competitive rates for sending money overseas.

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Ria offers a secure way to send money to over 130 countries, but the US$3,000 daily limit means it’s not an option for large transfers.

Ria strives to be a simple, reliable and friendly money transfer service. It offers a fast, secure transfer network to quickly get your funds where they need to be without breaking the bank.

With multiple payment and delivery options, your funds can be deposited into your recipient’s bank account, delivered by courier (in select countries) or picked up from one of Ria’s hundreds of thousands of worldwide locations.

Now part of Euronet Worldwide, a leading electronic payments provider, Ria offers over 332,000 agent locations in 146 countries. It also handles bill payments, check cashing and other financial services.

How much does Ria cost?

Exchange rates

As a specialist provider of international money transfers, Ria is typically able to offer better exchange rates than you’ll find at most banks.

Rates are updated daily to align with exchange rates on global markets, and you can review the rate that applies to your transaction before confirming whether you want to go through with the transfer.


The fees that apply to Ria money transfers vary depending on the amount of money you’re sending, where you’re sending it to and the method you use to pay for your transaction.

The more money you send, the more your transaction will cost — but the price per dollar per transfer decreases when you send larger amounts. Funding a transfer from your bank account is the least expensive option (but also the slowest), while debit and credit card transactions incur higher fees.

For example, sending US$1,000 to Mexico from your credit card for cash pickup will incur a transfer fee of US$8. Meanwhile, using your bank account to send US$1,000 to China for cash pickup will attract a transfer fee of US$5.

Before you commit to any transaction, Ria provides a preview of all the fees that apply to your transfer.

What types of transfers can I make with Ria?

Ria’s transfer service is designed to make it easy to send one-off transfers to 130 countries around the world. You can pay for your transfer with your:

  • Bank account
  • Credit card
  • Debit card
  • Cash

Your recipient also has multiple ways to access the money you send.

  • Bank account deposit
  • Pickup at a Ria agent location
  • Courier delivery to a home or office (available in limited countries)

Pros and cons of using Ria


  • Fast transfers. Send money in minutes or days. This is especially great for cash pickup.
  • Multiple payment options. Use a debit card, credit card or bank account to pay for your transfer.
  • Multiple delivery options. Your recipient can pick up your cash at an agent location, receive a bank deposit or, in select countries, have the funds delivered to their home or office.
  • Worldwide transfer network. With 240,000 agent locations in 130 countries, Ria is the third-largest provider of international money transfers worldwide.
  • Great rates. Ria’s exchange rates are stronger than most US banks.


  • Maximum daily limit. Ria’s maximum daily transfer limit of US$3,000 may deter customers who need to transfer larger amounts.
  • Fees apply. Prepare to pay a transfer fee when you send money overseas with Ria, with an amount that varies depending on your transaction.
  • No contract options. Ria does not offer forward contracts or limit orders.

How does Ria compare to other services?

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
PHP 1 1 - 2 days PHP 0.00 0.02 USD
WorldRemit Philippines lets you use your debit, credit or pre-paid card to send instant mobile airtime top-ups. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How do I use Ria?

To easily transfer cash through Ria, you’ll need:

  • A Ria account. You can create a free account as you’re setting up your transaction. (If you’re sending through a Ria location, you won’t need to set up an account. You’ll only need to supply your sender information, payment and your recipient’s information.)
  • Valid payment. Ria accepts payment by bank account, debit card or credit card.
  • Your recipient’s name and contact information. The name must match the name shown on their government-issued ID. If you’re transferring money to their account, you’ll also need their bank’s name and account number.
  • Your contact and banking information. That includes the account or card number and security information for the account you’re transferring from.

If your recipient will be picking up your cash in person, let them know to bring along a government-issued photo ID.

Create your account online

First-time customers will need to register for a free Ria account before you start your transfer. To pay with cash, visit a Ria agent location.

  1. Specify how much you’d like to send and where you’d like to transfer your funds to.
  2. Select whether you’ll pay for your transfer by debit card, credit card or bank account.
  3. Confirm the transaction summary that details the exchange rate and fees that apply to your transfer.
  4. Enter your recipient’s full name, email address and phone number.
  5. Select how you’d like your money delivered: bank deposit, cash pickup or courier delivery (available in select countries).
  6. Transfer your funds around the world.

Steps to transfer your money online

Tracking your transfer

Your recipient should have their money in a matter of minutes or days, depending on how you chose to send it and pay for it. Follow its progress at Ria’s Track a Transfer page.

Ria delivery options when sending money to the Philippines

If you have a friend or loved one abroad who sent money using Ria, you have three ways to collect your funds:

  • Cash pickup. Ria has numerous convenient pickup locations in most parts of the country. You will find a comprehensive list of Ria pick up locations on their website. You need to present a government-issued photo ID, along with the order number from the transaction receipt. The recipient’s name must be a complete match to the name in the photo ID presented.
  • Bank deposit. Ria supports bank deposits to major Philippine banks. Make sure your sender gets your full name, bank account number and/or IBAN number.
  • Home delivery. The Philippines is one of the few countries where Ria supports the home delivery option. Remember to make sure the recipient’s name on the transaction must exactly match the name on the valid photo ID for the delivery to be completed.

    Bottom line

    Ria offers a host of benefits and simple, secure transfers to its customers.

    However, to make sure you get the best deal available, compare Ria with other money transfer providers the next time you need to send money overseas.

    Frequently asked questions about Ria

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