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. The number of affiliates of RIA Money Transfer is constantly growing. For the current moment the company has more than 400 international partners. RIA Envia is occupied with money transfers since 1987 and its main office is located in New York. In 2012 RIA launches www.riamoneytransfer.com allowing consumers to send money transfers online from the US and opens its hub in Santiago de Chile.