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. The main advantage of the money trtansfer system RIA Envia are moderate client fees and extremely wide geography of a offices. Wired money transfer is available to the recipient as soon as from the main office of Ria Money Transfer comes a special order for the payment of money, and it usually takes only few minutes. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount.