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. 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. All money transfers to the addressee are carried out in real time mode (on-line). RIA Envia is planning to develop its wired transfer service between the CIS countries (already connected to the bank systems of several countries). But for the present in these countries bank clients can only receive money transfers, sent from abroad via RIA Money Transfer. 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. Ria Money Transfers provides money transfer services since 1987 and at the beginning of its activity the company specialized in servicing of the Hispanic community, which lived in the U.S. 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. 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. Now RIA Envia is expanding actively on Asian market (particularly in the South-East), Oceania and Africa. If sending a money transfer by RIA Money Transfer, the sender should report his precise data and contact numbers.