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. 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. In 2012 RIA launches www.riamoneytransfer.com allowing consumers to send money transfers online from the US and opens its hub in Santiago de Chile. How to make money transfer using RIA Money Transfer - tell a number of transfer to the recipient and within 10 minutes it will be possible to get money.