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 MoneyTransfer agent network includes over 10,000 branches in 74 countries, among which are almost all major countries from Europe (except Belgium), and America. All money transfers to the addressee are carried out in real time mode (on-line). RIA Financial Services Company is a part of Euronet group and has a network of more than 100,000 agent locations in 120 countries across Europe, America, Asia and Africa. 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.