General conditions of remittances via RIA Money Transfer: the remittance fee is paid by the sender only, the payment of the transfer is free of charge. When sending money or receiving a payment via RIA Envia a client wants to open the bank account, such account is opened by for free. If the sender wishes, the unpaid money transfer will remain in the system for another week. When sending money, a client has to take into account transfer time to the point of transfer payment and in general the difference in time on different continents. RIA Money Transfer (RIA Envia) is the American system of money remittances, it is very democratic and intended only for international money transfers.