If during the week you won't visit the bank and won't take money, sent via RIA Money Transfer, put the sender aware of this and he will be able to instantly withdraw money back. 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. RIA Money Transfer is operating in the sector of remittances since 1987, when it started to carry out money transfers from the U.S. to Latin America. 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. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount. When sending money via RIA Money Transfer, the sender should inform its exact passport data and contact numbers.