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Ria money transfer review


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Send money to more than 160 countries, but a $2,999 daily limit means it’s not an option for large transfers.

TrustPilot Reviews: 4.4 / 5.0 (5147 reviews)’s rating: 3.0 / 5.0


How’d we get our score?

Fees and rates: 2.0 / 5.0
Speed: 5.0 / 5.0
Services: 3.0 / 5.0
User experience: 2.0 / 5.0


Min. Transfer Amount


Max. Transfer Amount

Same day

Transfer Speed


Product NameRia Money Transfer
Min. Transfer Amount$1
Max. Transfer Amount$2,999
Transfer MethodsOnline, Phone, Agent, Bank Account to Bank Account, Cash Transfer
Transfer Speed
Minimum transfer time
Same day
Customer ServicePhone, Email, Branch
Exchange Rate UpdatesDaily

Expert review

Zak Killermann

Review by

Zak Killermann is a writer at Finder. He’s ghostwritten hundreds of articles on fintech, finding his love for publication at St. Cloud State University. Traveling internationally for nearly half his life — and getting burned once by an OTC money exchange — Zak's vowed not to settle for anything short of the mid-market rate again.

Expert review

Ria is a convenient option for those looking to send money worldwide as a bank transfer or cash pickup. It limits daily transfers to $2,999, but agent locations in over 160 countries make it one of the largest providers in the industry. Apart from this, Ria doesn’t stand out from the crowd.

Considering Ria doesn’t use the mid-market rate for transfers, expect to see weaker exchange rates than those offered by many international competitors. To send money in the US, however, Ria is paired with Walmart to offer convenient services through 4,500+ stores in the US, including Puerto Rico.

By default we are always referring to Ria online transfers, unless otherwise noted. When specifically discussing Ria agent locations, we mean the physical, in-person locations found around the world. Keep in mind that Ria agent locations are able to set their own limits, transfer destinations and fee schedule, all of which may not align with what you see online.

Why should I consider Ria?

  • Fast transfers. It can take as little as 15 minutes for the money to be ready for cash pickup. This option can get money quickly to a loved one in an emergency, but check that hours of operation for the location you’re sending to work for your recipient.
  • Multiple payment options. Pay with a debit card, credit card or bank account for online transfers. Or pay with cash at a Ria agent location. Because different payment methods attract different fees, weigh the benefits of each for the best deal.
  • Diverse delivery options. Send money to a bank account, for pick up at an agent location or, in some markets, for home or work delivery.
  • Worldwide transfer network. With a network of more than 435,000 agent locations in over 160 countries, Ria is the third-largest provider of international money transfers worldwide.
  • Bank-beating rates. Using Ria to transfer money internationally is not only often faster than your bank, but lower fees means more money for your recipient.

What to be aware of with Ria

  • Maximum daily limits. Online transfers are limited to $2,999.99 daily or $7,999 monthly — lower than many digital competitors. Ria agent location limits may impose further limitations.
  • High fees for card payments. Fees vary depending on your transaction, but credit cards typically attract the highest fees. And agent locations fees may differ from what you see online.
  • No hedging options. Unlike some of its competitors, Ria does not offer forward contracts, limit orders or any of the other tools you’ll find to lock in strong rates on future transfers. Hedging tools can help you save money when used appropriately to lock in an exchange rate for future transfers.
  • Inconsistent markups. Exchange rates with Ria vary depending on the country you’re sending to — anywhere from 0.25% to 3.5% on top of the mid-market rate.

Ria’s exchange rates and fees explained

Ria’s fees vary between online and agent locations. But for online transfers, fees depend on:

  • Location. Fees depend on where you’re sending from and where you’re sending to.
  • Amount. Different fees are charged based on how much you’re sending.
  • Payment. Paying by bank is typically the cheapest option, while paying by credit card tends to come with the highest fees.
  • Delivery. To send cash, fees are generally higher, while receiving money to a bank account can be less expensive.

Unlike many competitors, Ria offers the same exchange rate no matter how much you send.

Sending $500 from the USA to India

As of September 30, 2020, the cheapest option to send money to India is a bank-to-bank transfer with $1 in fees. The most expensive option is paying with a credit card for delivery as a cash pickup, which costs $20 in fees.


When we checked, Ria’s margin markup for USD to INR was 0.5%.

Sending $500 from the USA to Mexico

As of September 30, 2020, the cheapest option through Ria for sending money to Mexico is initiating your transfer online and then paying in cash at a Ria agent location. You won’t pay any fees to send cash to a bank account with this method. The most expensive option is paying with a credit card for cash pickup, which costs $14 in fees.


When we checked, Ria’s margin markup for USD to MXN was 1.6%.

Sending $500 from the USA to the Philippines

Home delivery is available for transfers to the Philippines, though it typically costs more than other transfer options. As of September 30, 2020, the cheapest option is sending from a bank account for either cash pickup or bank-to-bank delivery — you’ll pay $0 in fees. The most expensive option is paying with a credit card for home delivery, which costs $9 in fees.

Home delivery$3$12$5$5

When we checked, Ria’s margin markup for USD to PHP was 2.4%.

Calculate how much your transfer with Ria could cost

Choose your currency and desired transfer amount. Exchange rates change frequently, so visit Ria’s site for a final quote.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1 Same day USD 5.00 0.838 EUR 1,673 No fees for bank account transfers and cash pickup at 240,000 locations in 130+ countries. 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 long does a Ria money transfer take?

Turnaround depends on how quickly you need your money delivered and how much you want to pay.

  • Fastest option — as little as 15 minutes

    Pay for your transfer with a credit or debit card. When using a credit or debit card, you’ll typically pay more in fees, but your money arrives in as little as 15 minutes. Your credit card might charge you an additional cash advance fee, further increasing the cost of your total transfer.

  • Cheapest option — up to 4 business days

    Using a bank account to pay for your transfer is typically the cheapest way to send money, but it’s nearly always the slowest. For your first transfer through Ria, you may have to verify your account, which can take four or more business days. After verification, your delivery can take an additional four business days.

Where can I use Ria?

Ria is available in more than 160 countries through over 435,000 agent locations. See our complete list of available currencies above.

Ria offices are available in:

  • Australia
  • Belgium
  • Canada
  • Chile
  • Denmark
  • Finland
  • France
  • Germany
  • India
  • Ireland
  • Italy
  • Kosovo
  • Luxembourg
  • Malaysia
  • Netherlands
  • New Zealand
  • Norway
  • Poland
  • Puerto Rico
  • Senegal
  • Spain
  • Switzerland
  • Sweden
  • Ukraine
  • United Kingdom
  • United States

Online transfers are available to residents sending from:

  • Australia
  • Canada
  • Spain
  • United Arab Emirates
  • United Kingdom
  • United States

Ria money transfer reviews

Most online complaints we saw target the customer service and wait times on the phone. Other complaints discussed the fees charged at Ria agent locations that differ from prices quoted online. Ria lists this possibility on its website, but you can easily miss this note while getting a price quote. You can find answers to other questions in Ria’s extensive FAQ section, or contact the company by email, phone or social media.

Reviews accurate as of October 13, 2020.
CompareRemit2.7 out of 5 — based on 679 customer reviews
BBB ratingA+ — based on BBB’s internal rating system
Monito5.8 out of 10 — based on staff reviews
NerdWallet4 out of 5 — based on staff reviews
Finder.com3 out of 5 — based on staff reviews

A subsidiary of Euronet Worldwide, Ria is the third-largest money transfer service in the world. Ria is headquartered in Buena Park, California, and sends money throughout North and Latin America, Asia, Africa and Europe. In 2014, the company paired with Walmart to launch Walmart-2-Walmart for domestic in-person transfers.

Ria Money Transfer user reviews

4.4 / 5.0 (5147 reviews)
  • WORSE CUSTOMER SERVICE! Seems like they have started conning their customers! Sent money to assist...
    read full review
  • I sent £100 to a friend who was suffering due to covid19 effects on her...
    read full review
  • Today I am having the worst experience of my lifetime just to cash a poxi...
    read full review
  • Bad service, rude customer service, not polite, wrong information. Everybody be aware about this bad..."
    read full review
  • all those green 5 stars are fake reviews. Ria is the worst customer service ever....
    read full review
  • The money never arrived at destination. RIA did not inform customer there was a problem...
    read full review

How does Ria keep my money safe?

Ria Money Transfer has been in operation since 1987 and is a global company that serves millions of customers. It partners with large brands like Walmart, and it uses many security features to keep your data and money safe:

  • Identity verification. Suspicious activity such as logging in from various IP addresses and sending money to many diverse locations may trigger flags to help protect your account.
  • 24/7 Security Experts. A security team works around the clock to monitor transactions for suspicious activity.
  • Only storing the necessary data. Ria doesn’t store credit or debit card information on its servers, which means your card information can’t be stolen if Ria is hacked.

How do I send money through Ria?

Six steps to sending money online:

  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, if available in your recipient’s country.
  6. Transfer your funds around the world.

What’s needed to transfer cash online through Ria

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

  • A Ria account. Create a free account as you’re setting up your transaction for an online transfer.
  • Valid payment. Ria accepts payment by bank account, debit card and credit card.
  • Valid ID. A government-issued ID may be required while creating your account or sending a transfer at a Ria agent location.
  • Recipient’s name and contact information. The name on the transfer must match their government-issued ID.
  • Recipient’s bank account information. If you’re transferring money to their bank account, you’ll need both their account and routing numbers.
  • Your contact and banking information. That includes the account or card number and security information for the account you’re transferring from.

How to track a Ria money transfer

Go to the Ria tracking page to confirm the progress of your transfer. Here you’ll enter your order number, PIN or reference number. You’ll also enter the sender’s date of birth and the recipient’s country. You can track online and at Ria agent location money transfers this way.

Ria’s tracking number is 12 digits and is called the Order Pin.

Does Ria have a mobile app?

Ria Money Transfer Mobile App
Ria Money Transfers has an app on both Google Play and the App Store. The app makes it possible to:
  • Send again. Repeat a previous transfer by selecting it from your activity list in the app.
  • Log in using biometrics. Both face and fingerprint recognition can be used to log in.
  • Share order details. Sending key order information like the tracking PIN number to your recipient can be done with just a few taps.
  • Find an agent location. Use the in-app map to find agent locations based on your GPS or around the world.
Reviews accurate as of September 30, 2020
Google Play Store4.1 out of 5 — based on 2,624 customer reviews
Apple App Store3.5 out of 5 — based on 742 customer reviews

Bottom line

Ria is a straightforward option to send money all over the world. It offers clear fees, decently low markups on the mid-market rate and secure transfers to its customers. Digital competitors like XE and OFX often offer lower fees and stronger rates, but those specialists may not offer cash pickup at more than 435,000 locations.

Frequently asked questions

What are Ria’s customer service hours?

Ria’s customer service team is available at 1 (877) 443-1399 on weekdays from 5 a.m. to 6 p.m. PT and weekends from 6 a.m. and 6 p.m. PT.

Other ways to contact Ria include:

  • Social media
  • Through an online form
  • Email
  • At an agent location

Does Ria offer refer-a-friend promotions?

Yes. Refer a friend through email or social media. After they’ve signed up and completed their first paid money transfer, you earn a referral bonus which in the past has been a $20 Amazon gift card.

There’s no limit to the number of people you can refer for a bonus.

Why is my Ria account locked?

You may have entered the incorrect password for your account too many times.

Ria also locks accounts that have suspicious activity, requiring you to call the customer service team to unlock your account.

Why is Ria reviewing my transfer?

Ria reviews all money transfers for compliance with know-your-customer (KYC) and anti–money laundering (AML) industry protocols, which involve knowing the identity of its customers, their financial activities and any risks they pose to Ria’s business. Ria typically reviews transfers within a day, contacting you if it detects any problems.

What are my rights when canceling a transfer?

Federal laws protect you when sending a money transfer, allotting you a minimum of 30 minutes from the time of transfer to cancel your order. Ria’s makes this easy by allowing you to cancel using the Cancel Order button found under the details of your order after logging in to your Ria account.

How long will a refund take if I cancel my transaction?

Typically 2 to 10 business days. Refunds depend on how you paid and any problems with your transfer.

How does Ria compare to other services?

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1,000 1 - 2 days USD 0.00 0.848 EUR 1,696 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
$1 Same day USD 0.00 0.849 EUR 1,699 XE offers fast transfers with no fees and a range of foreign currency tools. Go to site Show details
$0 1 - 2 days USD 1.99 0.839 EUR 1,677 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
$1 1 - 2 days USD 16.00 0.856 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
$1 Within an hour USD 3.99 0.853 EUR 1,702 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. 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.
Looking for an alternative? Compare services like Ria to get the best rates and fees.


Our team analyzes money transfer providers offering services in the US — from big names to digital upstarts. We rank rates and fees, speed, services and user experience for:

  • TransferWise
  • XE
  • OFX
  • WorldRemit
  • Currencies Direct
  • Western Union
  • RIA Money Transfer
  • MoneyGram
  • Remitly
  • Payoneer
  • Remit2India
  • Xoom
  • PayPal

Learn the details of our methodology and scoring.

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  1. Default Gravatar
    March 11, 2020

    How can a pin number be bad the day after you get it and where can you pick up money that is over 2,000$

    • Avatarfinder Customer Care
      March 12, 2020

      Hi Debra,

      Thanks for your comment and I hope you are well.

      A PIN, order number or reference number from using Ria Money Transfer is a unique number combination assigned to a transaction therefore doesn’t expire. Please check the information carefully again. Also, the daily limit of Ria is $3000 so you can easily pick up your $2000 at any Ria Money Transfer location.

      Hope this helps and feel free to reach out to us again for further assistance.


  2. Default Gravatar
    May 23, 2019

    Can I pick up money transfer from the UK through RIA at Walmart to Walmart transfer agent

    • Avatarfinder Customer Care
      May 24, 2019

      Hi Kenny,

      Thanks for your inquiry.

      Unfortunately, you may only pick up money from Ria since the transfer was made through Ria money transfer.

      I hope this helps.

      Kind regards,

  3. Default Gravatar
    April 10, 2019

    My friend sent me money and i went to a Ria agent location to pick up the money and they told my pin number is not found, then i tracked the money online and they said my money is in preview for security reasons, it has been almost two days now, and i need the money urgently

    • Avatarfinder Customer Care
      April 11, 2019

      Hi Larry,

      Thank you for reaching out to Finder.

      You may need to contact Ria directly to check the estimated time of release for the funds sent to you as they are currently reviewing the transfer for security reasons. Hope this helps!


  4. Default Gravatar
    April 8, 2019

    My friend sent me money today via ria is it posible to go get it now.?

    • Avatarfinder Customer Care
      April 8, 2019

      Hi Robert,

      Thanks for reaching out to Finder. A transfer made from Ria should be available in a matter of minutes or days, depending on how your sender chose to send it and pay for it. To know if your money is ready for pickup – go to the Ria website – log-in and enter your order number, PIN or reference number. Hope this helps!


  5. Default Gravatar
    April 6, 2019

    What does it mean when you send And it says “in transit” can the receive pick up the money or do I need to go back there again

    • Avatarfinder Customer Care
      April 7, 2019

      Hi Alex,

      Thanks for your inquiry.

      “In transit” means that your item is on its way to be delivered. It has been lodged by the sender and processed by Ria and is on its way to its destination.

      I hope this helps.

      Kind regards,

  6. Default Gravatar
    April 1, 2019

    Hello my friend send me money from Denmark through bank desposit but i went to the bank the told me my pin number is not found what is the problem and my sender has send the money

    • Avatarfinder Customer Care
      April 2, 2019

      Hi James,

      Thank you for reaching out to Finder.

      One reason may be the pin code you received may have missing or incomplete digits which is why the system could not detect it. Please contact the sender and verify that the pin number is correct first. You may also advise the sender to contact Ria directly to check the status of the transfer. Hope this helps!


  7. Default Gravatar
    March 23, 2019

    Someone wants to send me money in uganda via RIA what do i need and where can i pick it from and which kind of document is needed

    • Avatarfinder Customer Care
      March 24, 2019

      Hi Musa,

      Thank you for leaving a question. If you are to pick up the funds from Ria sent to you, make sure that the name in the recipient part is exactly what is shown in your government issued ID. Please bring a valid government issued ID when you claim the payment at the closest RIA agent location. Hope this helps!


  8. Default Gravatar
    March 19, 2019

    What if the sender didn’t pay the fee? Do I need to pay the fee?

    • Avatarfinder Customer Care
      March 20, 2019

      Hi Celyn,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      The sender needs to pay the fee. If not, then the money transfer won’t proceed. It is the sender who pays the fee and not the receiver.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  9. Default Gravatar
    February 28, 2019

    I’m from Jorhat, Assam. I’m unable to receive cash send through cash transfer.

    I went to the bank but they don’t know much about Ria and they refused when I said to them about the secret pin.

    I’m unable to find ria centers near me too.

    Mentioning less I would like to know how can I collect cash. I would like to know more.

    • Avatarfinder Customer Care
      March 4, 2019

      Hi Rajdeep,

      Thanks for getting in touch with Finder. I’m sorry to hear about the trouble you are having.

      Regarding your concern, please wait up to 5 business days for your money to arrive. Check again your money in your bank. If it doesn’t arrive after 5 days, then you may contact your sender and confirm whether the money transfer went through or not. If all else fail, you would need to directly get in touch with Ria by phone or email.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  10. Default Gravatar
    February 22, 2019

    Hello, my name is Benkirkley. My friend in South Africa wants to send me money, but she couldn’t find an RIA location. Can you help me?

    • Avatarfinder Customer Care
      February 25, 2019

      Hi Benkirkley,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      Upon checking, Ria is not available in South Africa. This is the reason that your friend can’t find a Ria agent location in that country.

      We don’t have a specific list of money transfer service providers in South Africa, but this page could be a good place where you can find an alternative service provider.

      On that page, you will see a table that allows you to conveniently compare money transfer services based on minimum transfer fee, transfer speed, and fees, to name a few. Once you found the right one for you, click on the “Go to site” green button to learn more.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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