General conditions of remittances via RIA Money Transfer: payment is carried out in cash, euros and U.S. dollars. 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. 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. The strategy of RIA Money Transfers was aimed on developing of a system of international money transfers, insuring and helping migrant workers to transfer money home. Payment of transfers. Payment is made in cash in U.S. dollars, but you can get transfer also in Euro. Conversion of funds will then be made at the bank rate at the date of receipt of the transfer. In order send or receive wired money transfer via RIA Money Transfers neither the recipient nor the sender doesn't have to have any bank accounts. RIA Money Transfer is one of the most popular money transfer systems in Europe and America.