Ria international money transfers review July 2018 | finder.com

Review: Ria international money transfers – July 2018

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Fast transfers, competitive exchange rates and minimal fees 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 is a money transfer provider founded in New York City in 1987.

Today, Ria has a global transfer network of more than 240,000 agent locations in 130 countries, making it the third-largest provider of international money transfers in the world. It offers a simple service that allows you to send money overseas within minutes.

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
Banking PartnerRIA Financial Services - US
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.


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.
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.

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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.

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
  • HiFX
  • 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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39 Responses

  1. Default Gravatar
    KathyJune 29, 2018

    I want my refund my money is yet for pick up and the client is dead I want my refund $420 and it been 2 weeks now

    • finder Customer Care
      joelmarceloJune 29, 2018Staff

      Hi Kathy,

      Thanks for leaving a question on finder.

      If you instruct them to pay a money transfer to a designated recipient and later request that they stop the payment of such transaction, they will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If they can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, including the service charge. Your refund will be in USD. All refunds shall be available within thirty (30) calendar days of the stop order or as soon as the refunds are returned by the paying agent and, whichever is first. For further information or to file a complaint, please contact their customer service team by going to the contact us section in their website.


  2. Default Gravatar
    NissyApril 28, 2018

    How come i cant get the money my friend send to me the money in location that I got in cash pick up I had a reference number when I track it.. It says your money transfer is under review it may take one business day.. What’s that meaning..? Do I get money as a recipient..?? Why it was happend..??

    • finder Customer Care
      joelmarceloApril 28, 2018Staff

      Hi Nissy,

      Thanks for leaving a question on finder.

      The fastest way to send money is by debit or credit card. The processing time for debit and credit cards takes, on average, 15 minutes. If you prefer to send money via your bank account, the processing time takes approximately four banking days. This is because it takes time to verify with your banking institution that your funds are in fact available.

      When receiving money, a cash pickup or home delivery will be that fastest method – although both options are dependent upon the payout agent or courier’s business hours. On average, cash pickups and home deliveries are available within the same day.

      Please note that, if a money transfer is flagged for review for security reasons, the processing time will take longer. Other things that may slow down processing times include:

      – A security review. Since security is their number one priority, they want to ensure all money transfers are legitimate.
      – Financial institutions processing times. Timing may vary slightly depending on your bank.


  3. Default Gravatar
    monclemApril 3, 2018

    my uncle sent me money but i want him to cancel the transfer and send it to my dad ,how long will it takes for him to get the money back?

    • finder Customer Care
      joelmarceloApril 3, 2018Staff

      Hi Monclem,

      Thanks for leaving a question on finder.

      If you later request that they stop the payment of such transaction, they will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If they can confirm that payment has not been made, the money transfer will be cancelled and they will refund the amount of the money transfer, including the service charge. Your uncle’s refund will be in USD. All refunds shall be available within thirty (30) calendar days of the stop order or as soon as the refunds are returned by the paying agent and, whichever is first. For further information or to file a complaint, You can contact their customer service team at 1-877-443-1399.


  4. finder Customer Care
    MayMarch 22, 2018Staff

    Hi Noel,

    Thanks for reaching out to finder.

    With Ria, a cash pickup or home delivery is the fastest method, which on the average will be available within the same day. However, if the money transfer is flagged for review for security reasons, the processing time will take longer. Hope you’ll able to receive the funds soon!


  5. Default Gravatar
    DavidMarch 15, 2018

    I tracked my RIA money transfer and I was told it’s under review and may take up to one business day. What do I need to do ?

    • finder Customer Care
      joelmarceloMarch 20, 2018Staff

      Hi David,

      Thanks for leaving a question on finder.

      Transfer time for RIA is within 3-5 days, If it takes longer than that, you can contact them directly to follow up.


  6. Default Gravatar
    WaelFebruary 24, 2018

    My parents sent money from Sweden to me here in Cambodia. Can I pick/receive all Ria office?

    • finder Customer Care
      RenchMarch 13, 2018Staff

      Hi Wael,

      Thanks for your inquiry.

      Yes, you can pick up or receive your money at an agent location (Ria branch). You can also receive a bank deposit or have the funds delivered to a home or office in selected countries.

      In receiving funds at a Ria branch, take note of your transaction number and details of the sender. You will need these details in filling out the form.

      Best regards,

  7. Default Gravatar
    DanielDecember 21, 2017

    Sir how long does it take transaction in Transit to process its note than 5hours and yet my cash is not available for pick up still showing transfer in Transit

    • finder Customer Care
      HaroldDecember 21, 2017Staff

      Hi Daniel,

      Thank you for your inquiry.

      Generally, the transfer speed is 3 – 5 days. Should you need to check the status of your transaction. 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.

      I hope this information has helped.


  8. Default Gravatar
    LolaOctober 13, 2017

    How many days can money be ready for recipients for pickup?

    • finder Customer Care
      ArnoldOctober 14, 2017Staff

      Hi Lola,

      Thanks for your inquiry

      Typically, you can claim the cash through pick-up or courier within the same day. If you choose an online money transfer provider, you can send and receive money at any time of day.

      Hope this information helps


  9. Default Gravatar
    LawrenceOctober 1, 2017

    I will like to know the maximum amount I can transfer from Iran to Ghana using Ria agents in Iran to my bank account in Ghana.

    • finder Customer Care
      ArnoldOctober 2, 2017Staff

      Hi Lawrence,

      Thanks for your inquiry

      The maximum amount you can send Via Ria International Money Transfer is USD 2,999. More information about RIA is shown on the above page.

      Hope this information helps


  10. Default Gravatar
    MrSeptember 22, 2017

    Please if I want to have a Ria account and use it to send my family money, will I have to provide my passport copy or government 🆔 copy to verify my account before I will be able to use it to send money?

    • Default Gravatar
      JonathanSeptember 22, 2017

      Hello Mr Enoch,

      Thank you for your question.

      We will send you a response to your email about this inquiry.

      Hope this clarifies.


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