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. Wired money transfer is available to the recipient as soon as from the main office of Ria Money Transfer comes a special order for the payment of money, and it usually takes only few minutes. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. RIA Money Transfer is one of the most popular money transfer systems in Europe and America. When sending money via RIA Money Transfer, the sender should inform its exact passport data and contact numbers.