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. Originally Ria Money Transfer was servicing Latin American diaspora in the U.S. (hence the name). 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. If sending a money transfer by RIA Money Transfer, the sender should report his precise data and contact numbers.