All money transfers to the addressee are carried out in real time mode (on-line). In 2012 RIA launches www.riamoneytransfer.com allowing consumers to send money transfers online from the US and opens its hub in Santiago de Chile. 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.