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. 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. 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. 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.