When sending money or receiving a payment via RIA Envia a client wants to open the bank account, such account is opened by for free. 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. Payment of transfers. Payment is made in cash in U.S. dollars, but you can get transfer also in Euro. Conversion of funds will then be made at the bank rate at the date of receipt of the transfer. RIA Money Transfer system does not require to declare the purpose of your money remittance.