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. General conditions the transfer via RIA Money Transfer: to carry out operations in the system of RIA Money Transfers neither the sender nor the recipient does not need the bank accounts at the bank. RIA Envia is occupied with money transfers since 1987 and its main office is located in New York. 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. The company RIA Envia is a member of Euronet financial group and has a wide network of agents and branches in Europe and North and Latin America. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. If sending a money transfer by RIA Money Transfer, the sender should report his precise data and contact numbers.