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. 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. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. When sending money via RIA Money Transfer, the sender should inform its exact passport data and contact numbers. 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.