Originally Ria Money Transfer was servicing Latin American diaspora in the U.S. (hence the name). 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. 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. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount.