Originally Ria Money Transfer was servicing Latin American diaspora in the U.S. (hence the name). 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. All money transfers to the addressee are carried out in real time mode (on-line). RIA Money Transfer Service is going to expand its network to the CIS countries. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount.