Ria Money Transfer Review (2025 Edition)

Exchange Rates, Payment Methods, Fees, and More

Sending money internationally should be quick, secure, and affordable. Ria Money Transfer aims to strike this balance by offering low-cost transfers and accessible services. With a global network spanning over 140 countries and 350,000 agent locations, Ria has established itself as one of the leading money transfer providers. This guide will walk you through everything you need to know about Ria Money Transfer in 2025, including exchange rates, fees, and how to send money with ease.

What is Ria Money Transfer?

Ria Money Transfer is a global leader in international money transfers. Founded in 1987, Ria provides reliable and secure services for individuals and businesses. With online transfers available in the United States, United Kingdom, Spain, and Australia, and physical agent locations worldwide, Ria makes sending and receiving money convenient.

Key Benefits of Ria Money Transfer

• Wide Reach: Operates in over 140 countries.
• Multiple Payment Options: Bank transfer, credit card, debit card, and cash.
• Fast Transfers: Many transactions are completed in minutes.
• Flexible Delivery Options: Bank deposit, cash pickup, and home delivery (select areas).
• Security Measures: Advanced encryption and fraud detection ensure safe transactions.
• Loyalty Program: Earn rewards for frequent transfers.

How Does Ria Money Transfer Work?

Sending money with Ria is simple, whether online or at an agent location. Here’s how to get started:

Steps to Send Money Online

1. Create an Account:
   • Visit riamoneytransfer.com.
   • Provide your name, address, contact details, and a valid ID.
   • Link your bank account for easy funding.
2. Book Your Transfer:
   • Enter the recipient’s details and the destination country.
   • Choose the delivery method: bank deposit, cash pickup, or home delivery (where available).
3. Confirm and Pay:
   • Use your preferred payment method (bank transfer, debit/credit card, or cash).
   • Review the exchange rate and fees before completing the transfer.
4. Track Your Transfer:
   • Use Ria’s tracking tools to monitor your transaction’s progress.
5. Verify Completion:
   • Notify the recipient and confirm the successful transfer.

Payment Methods Available with Ria

Funding Your Transfer

• Bank Account: Requires account validation via micro-deposits (may take a few days).
• Credit/Debit Card: Ideal for quick transfers but incurs higher fees.
• Cash: Available at agent locations.
• Mobile Wallets: Integration with select digital wallets for added convenience.

Delivery Options

• Bank Deposit: Funds sent directly to the recipient’s account.
• Cash Pickup: Available at any Ria agent location.
• Home Delivery: Offered in select regions for added convenience.
• Mobile Wallet: Funds transferred to the recipient’s mobile wallet in eligible countries.

Ria Transfer Fees

Ria’s fees vary based on:

• Transfer Amount: Higher amounts may have lower fees.
• Funding Method: Bank transfers have lower fees compared to credit cards.
• Destination Country: Fees differ by region.

Example Fees (2025)

• Sending $1,000 USD to the Philippines:
  • Bank Account: $0 fee
  • Debit Card: $5 fee
  • Credit Card: $12 fee
  • Home Delivery: Additional $3

Use the “Check Prices” tool on Ria’s website for accurate estimates. Frequent users can save through promotional offers and discounts.

Ria Exchange Rates

Ria’s exchange rates include a markup of 1.5% to 2.5% over the mid-market rate. While this is higher than online-only platforms like Wise, it’s more competitive than traditional banks and some other providers. Always compare rates to ensure the best deal.

Tips to Maximize Value

• Send larger amounts to reduce fees.
• Monitor exchange rate trends for optimal timing.
• Utilize Ria’s rate alerts for real-time updates.

Pros and Cons of Ria Money Transfer

Pros

• Extensive global network.
• Fast and secure transactions.
• Multiple payment and delivery options.
• No minimum transfer amount.
• Low or no fees for certain funding methods.
• User-friendly app with tracking and support.

Cons

• Higher exchange rate markup compared to some online-only providers.
• Online transfers limited to select countries.
• Verification delays for new bank accounts.
• Transaction limits: $2,999 per transfer or $7,999 over 30 days.

Alternatives to Ria Money Transfer

Traditional Banks

• Safe and secure but costly and less convenient.

Other Money Transfer Companies

• Western Union: Larger network but higher fees.
• Wise (formerly TransferWise): Transparent fees and mid-market exchange rates.
• Remitly and WorldRemit: Competitive rates and user-friendly platforms.

Customer Reviews and Feedback

Ria has a 4.5/5 star rating on Trustpilot, with many customers praising its speed and reliability. However, some users report delays and difficulty reaching customer support. Always verify transaction details to avoid common issues.

User Highlights

• Positive Reviews: Speed and ease of use.
• Negative Feedback: Customer service responsiveness and occasional delays.

FAQs About Ria Money Transfer

Can I Avoid Transfer Fees?

Use a bank account or cash for funding to minimize fees.

Is Ria Secure?

Yes, Ria uses advanced encryption and complies with global regulations to protect users.

How Do I Cancel a Transfer?

Contact Ria’s customer service before the transaction is completed.

Are There Loyalty Rewards?

Yes, Ria offers promotions and rewards for frequent users.

How to Contact Ria

Customer Support

• Phone: (877) 443-1399
• Address: 6565 Knott Ave., Buena Park, CA 90620
• Online Form: Available on Ria’s website
• App Support: Contact support directly through the Ria app.

Conclusion

Ria Money Transfer combines global reach, secure services, and multiple transfer options to make international money transfers accessible. While their fees and exchange rates may not always be the lowest, Ria’s extensive network and reliable services make it a solid choice for many users. For the best experience, always compare rates and fees before initiating a transfer. Frequent users can benefit from promotions and a loyalty program, making Ria an even more attractive option for regular international money transfers.