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. 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. The strategy of RIA Money Transfers was aimed on developing of a system of international money transfers, insuring and helping migrant workers to transfer money home. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. RIA Money Transfer (RIA Envia) is the American system of money remittances, it is very democratic and intended only for international money transfers.