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. RIA Money Transfer is operating in the sector of remittances since 1987, when it started to carry out money transfers from the U.S. to Latin America. 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. The system of RIA Money Transfer works according according to the principles "speed, reliability and accuracy" in the implementation of money transfers. RIA Money Transfer (RIA Envia) is the American system of money remittances, it is very democratic and intended only for international money transfers.