Ria Money Transfer Review - Complete 2025 Guide

Ria Money Transfer offers a variety of ways to send money abroad. There are over 300,000 Ria Money Transfer locations worldwide, and recipients can pick up the money at an agent location, or have it deposited directly into their bank account.

In addition to traditional transfers, Ria also has a mobile wallet solution for select countries. In this review, we'll cover all the details so you can decide if Ria is the right provider for you.

At Financer, all money transfer apps go through a thorough research and review process. Here's how we rate Ria Money Transfer:

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Ria offers services in 150 countries, with over 300,000 locations worldwide. It's one of the largest money transfer services in the world with over $4 billion sent last year alone.

Here's a quick summary of Ria Money Transfer:

Ria also partners with major banks like Chase or Bank of America so customers can pick up cash at any ATM near them for no extra charge.

With Ria’s phone-to-phone transfers, you just enter the recipient’s phone number or email address and transfer funds using your debit card.

For those who prefer to visit an agent location, there are more than 150 countries where you can hand over cash at an ATM or register your debit card with the teller before making the transfer.

Ria has a variety of promotions that can make it more affordable to send money abroad. You can check the website for current promotions, which often include free money transfers and discounts on transfers.

Here is a summary of Ria Money Transfer's rates:

It's free to receive money if it's left for cash pickup at a physical location. If you're sending money to a friend or family member, they can pick up the money at a location near them. It's free to receive money if it's left for cash pickup at a physical location.

The exact fee will depend on where you are and where your recipient is located, but it can be as little as 1% of the total amount sent.

This is a lower rate than what many other companies charge, which makes Ria Money Transfer an attractive option if you want to save some cash while sending money overseas.

However, some of the fees vary depending on where you are and where your recipient is.

Fees vary depending on the destination, mode of payment and amount you want to send. The average Ria Money Transfer fee is $1. This can be as much as $4 for some countries though, and it's also important to note that fees may differ between banks and currencies.

It's worth checking out the Ria website before sending any money so you know exactly how much it will cost you.

Exchange Rates

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.

The markup is 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.

When you choose cash as your payment method, you’ll receive a PayNearMe barcode. Take this barcode and your cash to a 7-Eleven PayNearMe location to complete your money transfer.

Please keep in mind that if your transfer is not completed within 24 hours from the time it was created, it will be canceled.

Before sending money, you'll need to create an account and provide personal identification. This includes:

As long as you have verified your identity by adding a photo of yourself holding up two pieces of ID and uploading them into your profile on Ria’s website, sending money between accounts is easy.

Just choose “send money abroad” from within your account overview page, then select which currency you want to use for your transaction.

From there all that remains is entering how much money you want to send along with any additional details about where it should be paid out (bank details will be needed if using an international bank).

How the Recipient Receives Money

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).

You can pay for your transfer with a credit card or debit card, bank transfer or cash at one of Ria's agent locations.

In addition to these options, Ria also accepts payment through mobile wallets and prepaid debit cards. If you use this option, it's important to know that the minimum amount required per transaction is $200.

Once your transaction is complete, the person you're sending money to will have different options for receiving their funds, depending on the country they're in.

They may be able to receive their funds as cash at an agent location, a bank deposit or even through a mobile wallet or prepaid debit card.

While some countries have more options than others (e.g., India has no cash pickup), each recipient will still have some way of accessing their money once it's received by Ria Money Transfer.

Ria offers many options for both sending and receiving money. You can transfer funds to over 150 countries, and you can send it to a bank account or mobile wallet.

If you're sending money from the United States, your recipient may also be able to use their prepaid debit card or cash pickup location as well.

Ria has been operating for over 30 years, and it has an excellent reputation among those who send money abroad.

It has a big network with plenty of options for cash pickup, bank deposit and electronic payments. The fees are fair, but can vary based on the service you choose, where you are and where your recipient is located.

The exchange rates are also better than what's offered by many other companies in this industry.

*Offer available to new customers only (a new customer is anyone who has not previously completed a money transfer at riamoneytransfer.com). Only valid on money transfers sent from riamoneytransfer.com. You will receive $0 fee for your first paid money transfer if you use the promo code ‘HelloRia’.