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. The number of affiliates of RIA Money Transfer is constantly growing. For the current moment the company has more than 400 international partners. RIA was founded in 1987 and it is today is one of the largest money transfer company in the world, with a global agent network. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. RIA Money Transfer system does not require to declare the purpose of your money remittance.