Ria international money transfers review January 2019 | finder.com

Review: Ria international money transfers

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Fast transfers and competitive rates for sending money overseas.

finder.com’s rating: 3.0 / 5.0


How’d we get our score?

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

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

Product NameRIA Money Transfer
Min. Transfer AmountUSD 1
Max. Transfer AmountUSD 2,999
Transfer Methods
Online, Phone, Cash Transfer, , ...
Transfer Options
Transfer Speed
Minimum transfer time
3 - 5 days
Customer Service
Phone, Email, Branch
Exchange Rate UpdatesDaily

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.

Calculate your transfer with Ria

Choose your currency and desired transfer amount (maximum $2,999). Exchange rates change frequently, so visit Ria’s site to get a final quote.

I want to send


Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 3 - 5 days USD 3.99 0.876 EUR 1,748 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


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

I want to send


Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 0 3 - 5 days USD 0.00 0.873 EUR 1,745 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
USD 1,000 1 day USD 0.00 0.872 EUR 1,745 No maximum limit, no fees and competitive exchange rates for 100+ currencies. Go to site Show details
USD 1 1 - 2 days USD 7.00 0.873 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
USD 1 Within an hour USD 3.99 0.871 EUR 1,739 Use promo code FINDER to send your first transfer 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

RIA Financial Services (Deals) RIA Financial Services (Deals)

Ria: $10 Amazon.com Gift Card

Register today and get a $10 Amazon.com Gift Card* as a Welcome Bonus after you complete your first money transfer.

Last verified

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.

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.

Looking for an alternative? Compare services like Ria to get the best rates and fees.

Frequently asked questions about Ria


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
  • World First
  • 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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Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

Use promo code FINDER to send your first transfer with no fee.
Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

World First

No maximum limit, no fees and competitive exchange rates for 100+ currencies.


Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

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62 Responses

  1. Default Gravatar
    ParasDecember 17, 2018

    My person created a money transfer yesterday and as i know it should be here in 10 to 15 minutes but it’s still showing pending . What can i do or the sender so i can collect the cash quickly. Thanks

    • finder Customer Care
      nikkiangcoDecember 19, 2018Staff

      Hi Paras,

      Thanks for getting in touch! Transactions paid for with a debit card or credit card are typically processed within 15 minutes, while transfers from your bank account may take up to four days to process. Please check if the transfer was made using a bank account. Hope this helps!


  2. Default Gravatar
    BobDecember 13, 2018

    As a receiver, can you be flagged for receiving money to frequently? Is it possible to be flagged for that? If so is there anything a receiver can do to justify the funds? And if not, what are the limits as a receiver?

    • finder Customer Care
      JoshuaDecember 17, 2018Staff

      Hi Bob,

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

      Typically, the restriction is applied to the sender. You can only send up to $3,000 per day or $8,000 per month. After that, the sender won’t be able to send more money. If you want to receive more money, then you would need to receive the money from different senders to avoid exceeding the limit.

      Of course, Ria has the prerogative to flag suspicious activities and could prevent transfers without prior notice. When this happens, you need to directly get in touch with Ria.

      Alternatively, you can also check other money transfer services on this page to explore other options that might not have any sending or receiving limits.

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

      Have a wonderful day!


  3. Default Gravatar
    NancyDecember 10, 2018

    Can I pick up my remittance in SM Department Store like other money transfer like MoneyGram?

    • finder Customer Care
      AshDecember 13, 2018Staff

      Hi Nancy,

      Thank you for contacting finder.

      Unfortunately, Ria has specific pick up locations in the Philippines. You may check this by going directly to their website then from the tabs on their homepage, you will see “Find Locations” where you may input your country and postcode to see the nearest agent location to you.

      Also, you may request for the money to be delivered to your address as Courier Delivery is available in the Philippines.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.


  4. Default Gravatar
    JeyceeNovember 23, 2018

    My client will send me my payout today, he’s from the US. I know it’s Black Friday there now and was thinking if Ria still process even it’s holiday because typically when he send me Friday evening there, I can still get it Saturday morning here in the Philippines.

    • finder Customer Care
      JhezelynNovember 23, 2018Staff

      Hello Jeycee,

      Thank you for your comment.

      Please note that the processing timeframe may vary depending on the financial institutions processing times. Timing may vary slightly depending on your bank. RIA processes the transfers in business hours, which means, weekends and holidays are excluded.

      If your client sends you money Friday evening, please note that due to time zones, Friday in the Philippines is Thursday in EST (or depending on the timezone). This is the reason why you can still receive it on Saturday, which would, of course, depends on the receiving financial institution’s processing timeframe.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  5. Default Gravatar
    MarviOctober 29, 2018

    What are the Ria partner agents in the Philippines?

    • finder Customer Care
      BellaOctober 29, 2018Staff

      Hi Marvi,

      Thanks for your inquiry.

      Ria’s trusted partners in the Philippines are Mlhuillier, Cebuana Lhuillier BDO, BPI, Metrobank, PNB, and Landbank.

      I hope this information helped.

      Kind regards,

  6. Default Gravatar
    BrianOctober 5, 2018

    why do i need two form of i.D as the sender a source of funds.

    • Default Gravatar
      joelmarceloOctober 6, 2018

      Hi Brian,

      Thanks for leaving a question on finder.

      It’s because of federal compliance laws. Ria is a financial institution and they have to follow these compliance laws-it’s the same concept like going to the bank where they need your ID to get money. It’s to prevent money laundering and other financial crimes as well too.

      Please send me a message if you need anything else. :)


  7. Default Gravatar
    RudyOctober 3, 2018

    Is there a RIA service that allows me to send money, which can only be accessed by the recipient after they enter a pre-determined password/code?

    • finder Customer Care
      CharisseOctober 3, 2018Staff

      Hi Rudy,

      Thanks for reaching out to finder.

      Ria money transfer does not use a password/code for their money transfer service. Instead, they use a PIN/order number which can be found on the sender’s receipt if the money is for cash pickup. The sender will then give that same PIN/order number to his recipient and the recipient will need to provide that, together with a valid photo ID, to claim the money in person.

      You can read more information about how Ria money transfer service works in their website.

      I hope this helps.


  8. Default Gravatar
    FredSeptember 27, 2018

    If a Ria transfer is made to a specific state in a country, is it possible for the receiver to receive in another state but in the same country??

    • Default Gravatar
      joelmarceloSeptember 28, 2018

      Hi Fred,

      Thanks for leaving a question on finder.

      Yes. Your recipient can pick up the money in the most convenient Ria pickup location from him. Ria money transfer has an awesome pick up locator if you go to their website directly. All you have to do is enter your location and it will show you a list of store locations near you.

      Please send me a message if you need anything else. :)


  9. Default Gravatar
    AzeemSeptember 24, 2018

    Hi Gd morning, this is Azeem from Malaysia. My brother sent cash to Ria money transfer branch in Australia to my my may-bank account yesterday and today morning I check the track hopefully its complete and its shows I received deposit money in my account but I didn’t get any payment yet.. how long it takes? i am trying to call your custmer services but cannot get..

    • Default Gravatar
      joelmarceloSeptember 25, 2018

      Hi Azeem,

      Thanks for leaving a question on finder.

      Bank transfer with RIA may take up to four banking days to process excluding weekends and bank holidays. If it takes longer than that, you can contact Ria via their website. Ria’s customer service team is available from 5 a.m. to 6 p.m. PST Monday through Friday and 6 a.m. and 6 p.m. PST Saturday and Sunday.

      Please send me a message if you need anything else. :)


  10. Default Gravatar
    JessicaAugust 12, 2018

    I tracked my RIA money transfer and I was told Canceled
    ria_tracktransfer_canceled_140 What the problem?

    • Default Gravatar
      joelmarceloAugust 13, 2018

      Hi Jessica,

      Thanks for leaving a question on finder.

      It means that the sender cancelled transferring funds to to you and you may want to clarify with the sender as to why. You may also contact RIA money transfer to get a more detailed explanation on the cancellation.


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