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Ria Money Transfers

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Summary

Send money to more than 190 countries, but a $20,000 daily limit means it’s not an option for large transfers.

Ria is a convenient option for those looking to send money via a bank transfer or cash pickup. Although it limits daily transfers to $20,000, they're still one of the largest real-time payment networks in the industry. Ria isn't always the cheapest option compared to money transfer providers like Wise, it does charge a flat-fee of $2.89 and has fast transfer speeds.

In our 2023 customer satisfaction awards, Ria ranked 7th out of 11 providers with an overall score of 4.02/5. 82% of the 883 people surveyed said they would recommend Ria.

  • Good for sending money to a wide variety of countries and for paying through bank transfer, card or cash at an agent.
  • Not so great for sending larger amounts.

In this guide

  • Review
  • Details
    • Product details
  • Frequently asked questions
  • Your reviews
  • Ask a question

Details

Product details

Product Name Ria Money Transfers
Pay By Bank transfer, Credit card, Debit card, PayID
Receiving Options Cash pickup location, Bank account, Home delivery
Customer Service Phone, Email, In person
Maximum Transfer Amount $20,000
Number of Currencies 95

Why should I consider Ria Money Transfer?

  • Flat-fee structure - Many providers' transfer fee's change based on the payment method or the amount sent but with Ria's flat-fee it offers more certainty.
  • Multiple payment options. Pay with a debit card, credit card, PayID or bank account for online transfers. At a Ria Money Transfer agent location, you can also pay with EFTPOS, card, PayID or cash. Money can be transferred almost instantaneously for certain transfer methods.
  • Diverse delivery options. Send money to a bank account, for pick up at an agent location or, in some markets, for home or work delivery or to a mobile wallet.
  • Worldwide transfer network. With a network of 533,000 locations in 191 countries, Ria is one of the largest providers of international money transfers worldwide.
  • Bank-beating rates. Using Ria to transfer money internationally is not only often faster than your bank, but lower fees mean more money for your recipient.

What to be aware of

  • Maximum daily limits. Online transfers are limited to $20,000 per day but in person transfers are unlimited. If you're sending above $20,000, brokers such as TorFX and OFX are a better option.
  • Agent locations. Keep in mind that Ria Money Transfer agent locations can set their own limits, transfer destinations and fee schedule.
  • Inconsistent markups. Exchange rate markups vary depending on the country you're sending to - it ranges from 0.25% to 4% on top of the mid-market rate. Generally, WorldRemit offers better rates for remittance countries.

How much are Ria's transfer fees and exchange rates?

For new customers, transfers are fee-free, just enter the promo code "HelloRia" when prompted. If you're an existing customer, Ria's fees vary between online and agent locations. For online transfers, Ria charges a flat $2.89 fee to any country and any amount. Once you create an account, you'll be able to see the potential transfer fees on their calculator.

Unlike many competitors, Ria offers the same exchange rate no matter how much you send. However, it does still add a margin to the mid-market rate, and this will vary depending on which country you are sending to. Based on our research, the markup ranged from 0.25% to 4% on top of the mid-market rate and the rate is better for common currencies. Make sure to compare the rate offered on with the current interbank rate to calculate the size of the margin added.

What your Ria Money Transfer could look like

Use the table below to find out more details about what making a money transfer with Ria Money Transfer looks like. Click the Go to site button to visit Ria’s site and get a quote for your transfer.

Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Ria Money Transfers
Within minutes
$2.89
$0 fee for new customers with code ‘HelloRia’. T&Cs apply.
Ria lets you send money to 165+ countries with cash pick-up at 507,000 locations.
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Check if there are any Ria promo codes available

What are the ways I can send money abroad with Ria?

If you are using Ria's online money transfer service, then you will first need to register an account for free. Once you have done this, you can follow these six easy steps:

How to send money transfer online with Ria

How can my recipient get the money?

Ria enables your recipient to pick up their money in one of three ways:

  • Bank deposit
  • Cash pickup at an agent location
  • Home delivery (not available in all locations)
  • Mobile wallets (selected corridors)

When picking up a cash transfer, your recipient will need to bring their government-issued photo ID and the transfer's unique PIN (personal identification number).

What are Ria's payment options?

There are several payment options available when funding your online money transfer with Ria. These include:

  • Bank account
  • Credit card
  • Debit card
  • PayID
  • Cash (when initiating a transfer at an agent location)
  • EFTPOS

How long does an international transfer with Ria take?

Turnaround depends on the payment method chosen, with fees being the same for all methods. If you pay for your transfer with a credit or debit card, or PayID, your money should arrive in real-time. However, typically you'll find your credit card provider charges an additional cash advance fee, increasing the cost of your transfer.

Paying via bank transfer can take up to four business days. However, a small portion of transfers flagged as potentially fraudulent may take longer. The verification process is usually completed quickly, unless a user inputs incorrect information.

Is Ria safe to use?

Ria Money Transfer has been in operation since 1987 and is a global company that serves millions of customers. It uses multiple security features to keep your data and money safe, including:

  • Identity verification. Suspicious activity such as logging in from various addresses and sending money to many diverse locations may trigger flags to help protect your account.
  • 24/7 Security Experts. A security team works around the clock to monitor transactions for suspicious activity.
  • Online storing necessary data. Ria doesn't store credit or debit card information on its servers, which means your card information can't be stolen if Ria is hacked.

Does Ria have a mobile app?

Ria Money Transfer has an app on both Google Play and the App Store. The app makes it possible to:

  • Send again. Repeat a previous transfer by selecting it from your activity list in the app.
  • Log in using biometrics. Both face and fingerprint recognition can be used to log in.
  • Share order details. Sending key order information like the tracking PIN number to your recipient can be done with just a few taps.
  • Find an agent location. Use the in-app map to find agent locations based on your GPS or around the world.
Reviews accurate as of 30 October, 2023
Google Play Store4.7 out of 5 - based on 77,636 customer ratings
Apple App Store4.9 out of 5 - based on 4,196 customer ratings

How does Ria compare to other money transfer services?

Our table below lets you compare services you can use to send money abroad. Compare fees, exchange rates and discounts from different money transfer services, and when you have made your choice, click Go to site.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
TorFX
24 hours
$0
TorFX sends money overseas in 40+ currencies, with competitive rates for transfer amounts over $2,000.
Xe Large Transfers
24 hours
$0
Xe has fast transfers with low fees and a range of foreign currency tools.
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 50+ currencies.
Send Payments
24 hours
$0

Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
Revolut
Within minutes
$0
Send money with great rates and low fees in 30+ currencies.
Xe Money Transfers
Within minutes
$0
Xe has fast transfers with low fees and a range of foreign currency tools.
Instarem
Within minutes
From 0%
50% off first transaction fee from any country in APAC (outside India).
Minimum transfer of $250 and max transfer of $500,000
Wise (TransferWise)
Within minutes
From 0.43%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
TorFX
24 hours
$0
TorFX sends money overseas in 40+ currencies, with competitive rates for transfer amounts over $2,000.
Remitly
Within minutes
From $0
Remitly has quick, affordable transfers around the world, with both express and economy options.
WorldRemit
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Rocket Remit
Within minutes
From $0 to $5
Send money instantly to friends and family in over 45 countries using just your mobile number.
MoneyGram
Within minutes
From $1.99
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
SingX
Within minutes
From 0.5%
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
CurrencyFair
Within minutes
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 50+ currencies.
Send Payments
Send Payments
24 hours
$0
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
MasterRemit
Within minutes
From $0
Get your 1st and 2nd money transfer for free with promo codes FIRSTFREE and MASTERFINDER!.
Send money in minutes at competitive exchange rates to the Middle East, Africa and South Asia.
Western Union
Within minutes
From $0
Western Union sends money online to friends and family in 200+ countries around the world.
Qantas Business Money
Within minutes
$0
Limited time offer: Earn up to 125,000 bonus Qantas Points as a first-time converter. Ends 30 April 2024. Conversion limits and T&Cs apply.
Set up accounts in 11 different currencies and get rewarded for global business payments by earning Qantas Points.
Airwallex
Within minutes
$0
Streamline global payments in 60+ currencies. Send & receive securely in 150+ countries, with fast settlements & competitive rates. Simplify book-keeping & manage everything in one place.
TorFX Business Transfers
24 hours
$0
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
OFX Business Transfers
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
WorldFirst
24 hours
From $0
Open bank accounts in Australia, the UK, US, Canada, Japan and Europe. Send and receive funds with zero fees for large sums, including same-currency supplier payments.
Send business
24 hours
$0

Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
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Frequently asked questions

  1. Ria official website, accessed October 2023

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Zak Finder

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Michael

June 20, 2019

What is the surcharge fee Australia to the Philippines?


Avatar

Nikki Angco

June 20, 2019

Hi Michael,


Thanks for getting in touch!


The surcharge fee from Australia to the Philippines is dependent upon the ff: factors:


1. Amount of money to be sent

2. How you will send it (credit/debit/direct bank payment)

3. How your receiver will receive it (bank deposit/home delivery/cash pickup)


For example, you are sending AUD 500 and you chose the payment method – direct bank payment, then your receiver gets the funds via cash pick up, the transfer fee will be AUD 3 and your total transfer amount will be AUD 503.


You can find have your transfer computed real time when you visit the Ria website. When sending money – it’s important to check the exchange rate beforehand to maximize the funds to be exchanged. Also, read through the transfer process of the provider such as transfer fees, transfer options and transfer speed to set expectations for the receiver. Take note of any reference or tracking numbers should any transaction delays come up during the transit. Hope this helps! For any clarifications, feel free to message us again.


Best,

Nikki


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