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. General conditions the transfer via RIA Money Transfer: to carry out operations in the system of RIA Money Transfers neither the sender nor the recipient does not need the bank accounts at the bank. RIA was founded in 1987 and it is today is one of the largest money transfer company in the world, with a global agent network. The company RIA Envia is a member of Euronet financial group and has a wide network of agents and branches in Europe and North and Latin America. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount.