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. How to make money transfer using RIA Money Transfer - make your payment and compensate the cost of services. Fee for sending of the transfer via RIA Money Transfer will be charged at a rate from 2.5 to 4% of the amount transferred. At the very beginning RIA Money transfers was aimed to provide services of money remittances to the guest workers, which came to work from abroad. 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.