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. 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. How to make money transfer using RIA Money Transfer - make your payment and compensate the cost of services. In order send or receive wired money transfer via RIA Money Transfers neither the recipient nor the sender doesn't have to have any bank accounts.