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Ria Australia international money transfers

Last updated:  

Send cash pick-up or bank account transfers to more than 160 countries around the world.

  • 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.

AUD 2

Min. Transfer Amount

AUD 5,000

Max. Transfer Amount

1 - 2 days

Transfer Speed

Details

Product NameRia Money Transfers
Min. Transfer AmountAUD 2
Max. Transfer AmountAUD 5,000
Transfer MethodsOnline, Agent, Bank Account to Bank Account, Cash Transfer
Transfer OptionsRegular payments, One off payments
Transfer Speed
Minimum transfer time
1 - 2 days
Customer ServicePhone, Email, Branch
Available CurrenciesAED, ALL, AMD, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BOB, BRL, CAD, CHF, CLP, CNY, COP, CRC, DJF, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KGS, KHR, KMF, KZT, LAK, LBP, LKR, LRD, MAD, MDL, MMK, MNT, MRO, MXN, MYR, MZN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SEK, SLL, SRD, THB, TJS, TND, TOP, TRY, TTD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, XAF, XOF
Online Transfer FeeAUD 15
Exchange Rate UpdatesDaily

By default we are always referring to Ria online transfers, unless otherwise noted. When specifically discussing Ria agent locations, we mean the physical, in-person locations found around the world. Keep in mind that Ria agent locations are able to set their own limits, transfer destinations and fee schedule, all of which may not align with what you see online.

Why should I consider Ria?

  • Fast transfers. It can take as little as 15 minutes for the money to be ready for cash pickup. This option can get money quickly to a loved one in an emergency, but check that hours of operation for the location you're sending to work for your recipient.
  • Multiple payment options. Pay with a debit card, credit card or bank account for online transfers. Or pay with cash at a Ria agent location. Because different payment methods attract different fees, weigh the benefits of each for the best deal.
  • 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.
  • Worldwide transfer network. With a network of more than 389,000 agent locations in over 160 countries, Ria is the third-largest provider 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 means more money for your recipient.

What to be aware of with Ria

  • Maximum daily limits. Online transfers are limited to $5,000 daily — lower than many digital competitors. Ria agent location limits may impose further limitations.
  • High fees for card payments. Fees vary depending on your transaction, but credit cards typically attract the highest fees. And agent locations fees may differ from what you see online.
  • No hedging options. Unlike some of its competitors, Ria does not offer forward contracts, limit orders or any of the other tools you'll find to lock in strong rates on future transfers. Hedging tools can help you save money when used appropriately to lock in an exchange rate for future transfers.
  • Inconsistent markups. Exchange rates with Ria vary depending on the country you're sending to — anywhere from 0.25% to 3.5% on top of the mid-market rate.

Ria's exchange rates and fees explained

Ria's fees vary between online and agent locations. But for online transfers, fees depend on:

  • Location. Fees depend on where you're sending from and where you're sending to.
  • Amount. Different fees are charged based on how much you're sending.
  • Payment. Paying by bank is typically the cheapest option, while paying by credit card tends to come with the highest fees.
  • Delivery. To send cash, fees are generally higher, while receiving money to a bank account can be less expensive.

Unlike many competitors, Ria offers the same exchange rate no matter how much you send.

Sending $1,000 from Australia to India

As of 01 April, 2020, the cheapest option to send money to India is a bank-to-bank transfer with $15 in fees. The most expensive option is paying with a credit card for delivery as a cash pickup, which costs more, depending on the location.

BankCreditDebitCash
Cash$3$20$7$6
Bank$1$15$4$4

When we checked, Ria's margin markup for AUD to INR was 0.5%.

Calculate how much your transfer with Ria could cost

Choose your currency and desired transfer amount. Exchange rates change frequently, so visit Ria's site for a final quote.

How long does a Ria money transfer take?

Turnaround depends on how quickly you need your money delivered and how much you want to pay.

  • Fastest option — as little as 15 minutes

    Pay for your transfer with a credit or debit card. When using a credit or debit card, you'll typically pay more in fees, but your money arrives in as little as 15 minutes. Your credit card might charge you an additional cash advance fee, further increasing the cost of your total transfer.

  • Cheapest option — up to 4 business days

    Using a bank account to pay for your transfer is typically the cheapest way to send money, but it's nearly always the slowest. For your first transfer through Ria, you may have to verify your account, which can take four or more business days. After verification, your delivery can take an additional four business days.

Where can I use Ria?

Ria is available in more than 160 countries through over 389,000 agent locations. See our complete list of available currencies above.

Ria offices are available in:

  • Australia
  • Belgium
  • Canada
  • Chile
  • Denmark
  • Finland
  • France
  • Germany
  • Ireland
  • Italy
  • Kosovo
  • Luxembourg
  • Netherlands
  • New Zealand
  • Norway
  • Poland
  • Puerto Rico
  • Spain
  • Sweden
  • Ukraine
  • United Kingdom
  • United States

Online transfers are available to residents sending from:

  • Australia
  • Canada
  • Spain
  • United Kingdom
  • United States

How does Ria keep my money safe?

Ria Money Transfer has been in operation since 1987 and is a global company that serves millions of customers. It partners with large brands like Walmart, and it uses many security features to keep your data and money safe:

  • Identity verification. Suspicious activity such as logging in from various IP 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.
  • Only storing the 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.

What Ria's reviews look like

Reviews accurate as of 01 April, 2020.

Trustpilot4 out of 5 — based on 3,220 customer reviews
CompareRemit2.6 out of 5 — based on 621 customer reviews
Monito5.8 out of 10 — based on staff reviews

Most online complaints target the fees charged at Ria agent locations that differ from prices quoted online. Ria lists this possibility on its website, but you can easily miss this note while getting a price quote. You can find answers to other questions in Ria's extensive FAQ section, or contact the company by email, phone or social media.

A subsidiary of Euronet Worldwide, Ria is the third-largest money transfer service in the world. Ria is headquartered in Buena Park, California, and sends money throughout North and Latin America, Australia, Asia, Africa and Europe. In 2014, the company paired with Walmart to launch Walmart-2-Walmart to send money to any Walmart store in the US or Puerto Rico.

How do I send money through Ria?

Six steps to sending money online:

  1. Specify how much you'd like to send and where you'd like to transfer your funds to.
  2. Select whether you'll pay for your transfer by debit card, credit card or bank account.
  3. Confirm the transaction summary that details the exchange rate and fees that apply to your transfer.
  4. Enter your recipient's full name, email address and phone number.
  5. Select how you'd like your money delivered: bank deposit, cash pickup or courier delivery, if available in your recipient's country.
  6. Transfer your funds around the world.

What's needed to transfer cash online through Ria

To transfer cash online through Ria, you'll need:

  • A Ria account. Create a free account as you're setting up your transaction for an online transfer.
  • Valid payment. Ria accepts payment by bank account, debit card and credit card.
  • Valid ID. A government-issued ID may be required while creating your account or sending a transfer at a Ria agent location.
  • Recipient's name and contact information. The name on the transfer must match their government-issued ID.
  • Recipient's bank account information. If you're transferring money to their bank account, you'll need both their account and routing numbers.
  • Your contact and banking information. That includes the account or card number and security information for the account you're transferring from.

How to register an account

You'll need to sign up for a free account with Ria before you can send an online transfer. Here's what you'll need to do.

How do I make an international money transfer with Ria?

You can send money overseas with Ria by completing the following steps:

  1. Sign in to your Ria account.
  2. Enter the amount of money you want to transfer and select the country you want to send it to.
  3. Select your payment method and enter your payment details.
  4. Select your payout method.
  5. Enter your recipient's information including their full name, email address and phone number, and their bank account details (if sending a bank deposit).
  6. Review all transfer details and submit your transaction.

How to track a Ria money transfer

Go to the Ria tracking page to confirm the progress of your transfer. Here you'll enter your order number, PIN or reference number. You'll also enter the sender's date of birth and the recipient's country. You can track online and at Ria agent location money transfers this way.

Ria's tracking number is 12 digits and is called the Order Pin.

Does Ria have a mobile app?

Ria Money Transfers 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 01 April, 2020
Google Play Store2.7 out of 5 — based on 12 customer reviews
Apple App Store2.9 out of 5 — based on 125 customer reviews

Bottom line

Ria is a straightforward option to send money all over the world. It has relatively low markups on the mid-market rate and offers secure transfers to its customers. Digital competitors like XE and OFX often offer lower fees and stronger rates, but those specialists may not offer cash pickup at as many locations.

Frequently asked questions

What are Ria's customer service hours?

Ria's customer service team is available at 1800 531 581 Monday to Friday, from 8AM to 10PM, Saturdays from 9AM to 9PM, and Sundays from 10AM to 7PM (AEST).

Other ways to contact Ria include:

  • Social media
  • Through an online form
  • Email
  • At an agent location

Does Ria offer refer-a-friend promotions?

Yes. Refer a friend through email or social media. After they've signed up and completed their first paid money transfer, you earn a referral bonus by way of a $35 MasterCard PrePaid Card (first time customers only).

Why is my Ria account locked?

You may have entered the incorrect password for your account too many times.

Ria also locks accounts that have suspicious activity, requiring you to call the customer service team to unlock your account.

Why is Ria reviewing my transfer?

Ria reviews all money transfers for compliance with know-your-customer (KYC) and anti–money laundering (AML) industry protocols, which involve knowing the identity of its customers, their financial activities and any risks they pose to Ria's business. Ria typically reviews transfers within a day, contacting you if it detects any problems.

How do I cancel a transfer?

Log in to your account and view your recent orders. Click Cancel next to the order you want to cancel. Fill out the details and submit. Ria will not guarantee the cancellation until they are able to confirm a local payout partner has not yet been paid out your recipient.

How long will a refund take if I cancel my transaction?

Typically 2 to 10 business days. Refunds depend on how you paid and any problems with your transfer.

How does Ria compare to other services?

The table below will help you see how Ria stacks up to other money transfer providers.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 2,000 1 day AUD 0.00 0.69 USD
6,904
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.69 USD
6,904
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
AUD 250 1 - 2 days AUD 0.00 0.69 USD
6,904
$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.69 USD
6,904
Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
Go to site Show details
GBP 3,000 1 day AUD 0.00 0.69 USD
6,904
Global Reach will match any competitor's exchange rates. Conditions apply.
Get no fees for both business and personal transfers when you send your money overseas with Global Reach.
Go to site Show details
AUD 1 1 day AUD 52.00 0.693 USD
6,896
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
Go to site Show details
AUD 0 Same day AUD 2.99 0.686 USD
6,854
Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
AUD 1 Same day AUD 0.00 0.69 USD
6,897
Get fast transfers with no fees and a range of foreign currency tools. Go to site Show details
AUD 5 1 - 2 days EUR 3.00 0.686 USD
6,861
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
AUD 1 Same day AUD 3.99 0.685 USD
6,846
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

International Money Transfer Offers

Important Information*
Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.

Logo for SendFX International Money Transfers
SendFX International Money Transfers

SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

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2 Comments

  1. Default Gravatar
    michael
    June 20, 2019

    What is the surcharge fee Australia to the Philippines?

    • Default Gravatar
      Nikki
      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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