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. Money transfers by RIA Envia are carried out in over 110 thousands of RIA Envia agents in more than 130 countries all over the world. 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. 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. The number of affiliates of RIA Money Transfer is constantly growing. For the current moment the company has more than 400 international partners. 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.