Originally Ria Money Transfer was servicing Latin American diaspora in the U.S. (hence the name). U.S. dollars and euros are the main currencies of money transfers, carried out by the system of RIA Envia. 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. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. RIA Money Transfer system does not require to declare the purpose of your money remittance. Ria MoneyTransfer agent network includes over 10,000 branches in 74 countries, among which are almost all major countries from Europe (except Belgium), and America.