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. If the sender wishes, the unpaid money transfer will remain in the system for another week. Commission for the wired money money transfer is charged only from the sender, the recipient only gets money in one of the RIA Envia agent offices. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. RIA Money Transfer is one of the most popular money transfer systems in Europe and America.