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Ria is a convenient option for those looking to send money as a bank transfer or cash pickup. It limits daily transfers to $2,999.99, but with agent locations in over 160 countries, it’s one of the largest providers in the industry. Apart from this, Ria doesn’t really stand out from the crowd. It is unlikely to be your cheapest option, especially when stacked against smaller money transfer providers, but it does have a large reach and is one of the few options that support economically small countries worldwide – such as Tonga and Mauritania.
Ria’s fees vary between online and agent locations. But for online transfers, fees depend on:
Typically, the cheapest option is to send money via bank transfer, while the most expensive option (in some cases doubling the fee) is paying with a credit card for delivery as a cash pickup. Once you have created an account with Ria, you will be able to see what fees your transfer will incur when you input your transfer details on its Send money page. You can then compare these against those of other money transfer providers.
Unlike many competitors, Ria offers the same exchange rate no matter how much you send. However, it does still add a margin to the mid-market rate, and these will vary depending on which country you are sending to. From our research, the markup was anywhere from 0.25% to 3.5% on top of the mid-market rate.
It’s best to compare the displayed rate on Ria money transfers with the current interbank rate to calculate the size of the margin charged. You can then use this as a benchmark for comparing the rates of other money transfer providers.
If you are using Ria’s online money transfer service, then you will first need to register an account for free. Once you have done this, you can follow these six easy steps:
Ria enables your recipient to pick up their money in one of three ways:
When picking up a cash transfer, your recipient will need to bring their government-issued photo ID and the transfer’s unique PIN (personal identification number).
There are several payment options available when funding your online money transfer with Ria. These include:
Yes. You’ll need to visit a PayNearMe location, which can be found in many 7-Eleven stores. Be sure to bring the barcode provided to you online, as well as cash to cover the cost of the transaction. PayNearme transactions tend to impose lower transfer limits than online transfers.
Turnaround depends on how quickly you need your money delivered and how much you want to pay.
Fastest option — as little as 15 minutes
If you pay for your transfer with a credit or debit card, your money should arrive in as little as 15 minutes. However, you’ll typically pay more in fees and your credit card provider may 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 almost 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.
Transfers typically take
The maximum amount you can send from the US using Ria’s online money transfer service is $2,999.99 a day and $7,999 every 30 days. There are a few exceptions – for example, due to state regulations you may only send $999.99 a day from Oklahoma, Arizona and New Mexico.
It’s also important to note, there is no way to increase the transfer limits online. If you wish to make a larger transfer, you’ll need to visit a Ria agent location. You’ll need to provide additional information such as your photo ID, your social security numbers and other paperwork.
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 multiple security features to keep your data and money safe, including:
If you want to see how Ria compares to the exchange rates and fees offered by other money transfer services, enter the details of your transaction into the table below.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Zak Killermann is a technical publisher at Finder who’s specialized in cryptocurrencies and blockchain technology for six years — covering everything from ICO booms, crypto winters, memecoins and more. He’s mined and minted cryptocurrencies, and geeks out over Ethereum upgrades. Zak’s focus is in breaking down technical concepts into approachable nuggets of information. While diving into all things crypto, Zak also contributes to Finder’s money transfers and stocks verticals.
Ria is a convenient option for those looking to send money worldwide as a bank transfer or cash pickup. It limits daily transfers to $2,999, but agent locations in over 160 countries make it one of the largest providers in the industry. Apart from this, Ria doesn’t stand out from the crowd.
Considering Ria doesn’t use the mid-market rate for transfers, expect to see weaker exchange rates than those offered by many international competitors. To send money in the US, however, Ria is paired with Walmart to offer convenient services through 4,500+ stores in the US, including Puerto Rico.
Although Ria won’t always be your cheapest option, it’s one of few options that supports economically small countries worldwide, such as Tonga and Mauritania.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
March 11, 2020
How can a pin number be bad the day after you get it and where can you pick up money that is over 2,000$
March 12, 2020
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.
May 23, 2019
Can I pick up money transfer from the UK through RIA at Walmart to Walmart transfer agent
May 24, 2019
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.
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
April 11, 2019
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!
April 8, 2019
My friend sent me money today via ria is it posible to go get it now.?
April 8, 2019
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!
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
April 7, 2019
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.