PayPal Money Transfers
Find out more about PayPal money transfers and compare your options with Savvy. PayPal is the world’s largest and best-known payment processor, used by millions …
Fact checked
Just like its cousin Xe, Ria is a subsidiary of the giant Euronet Worldwide company, which supplies ATMs, EFTPOS machines, credit and debit card services and international money transfers across the globe.
Find out more about Ria to help you choose the best company for your international money transfer needs. Compare exchange rates and fees from a range of providers with Savvy so you can start your transfer today.
*All product information is correct as of August, 2022.
Ria was founded in the USA in 1987 and has since grown to become the third-largest money transfer service in the world, becoming a subsidiary of Euronet Worldwide Inc. It operates in over 165 countries using 95 currencies and has more than 500,000 agents worldwide. It’s best-known in the United States for its collaboration with Walmart, offering money transfer services through all Walmart and 7-Eleven stores. It has also partnered with PayPal’s Xoom to offer digital wallet payment services.
International money transfers from bank to bank
Ria offers an international money transfer service straight from your bank account to your recipient’s, arranged either online through the Ria website or mobile app.
Cash pickups and deliveries
Ria can arrange cash pickups and deliveries in certain countries such as the USA, India, Vietnam and the Philippines. These can be arranged through the mobile app, which generates a QR code containing details of the transfer you’ve arranged. You can then visit a Ria agent and pay for the transfer or delivery in person with cash. You can send the QR code to your recipient, who can then show it to the agent at the receiving end to be given the cash. A global network of couriers works with Ria to deliver cash in specific countries.
Fees charged
Ria offers the first transfer you make free of charge. After this first transfer, a flat fee is charged to make your transfer (often $2.89) but this is dependent on the region of the world you want to send money to and the payment method you use. Higher fees apply to cash pickups, more exotic locations and less popular currencies. A mark-up is also placed on the exchange rate offered. Visit Ria’s website, or download the Ria mobile app, to check the fees charged and the exchange rate you’ll be offered for the region of the world you’re looking to send to.
Speed of transfer
Transfers that are funded either with cash or a credit or debit card can arrive at their destination within 15 minutes of being funded. Transfers that are paid for using a bank transfer may take three to five working days to arrive, as the international SWIFT banking system is used to process the payment.
Transfer limits
Ria has a daily transfer limit of $5,000 through its website and mobile app; however, larger transfers can be arranged through an agent in person. In certain countries, there may also be daily limits that are applied by foreign governments or local statutes.
The first step is to create an account either through Ria’s website or by downloading Ria’s mobile app.
Phone app process:
Website process:
Ria offers multiple payment options to fund your transfer, including using a bank transfer, PayID, cash, debit and credit cards, and digital wallets including Paypal’s Xoom.
If you need to send money across the world very quickly, Ria can get your money to its destination almost instantly (or within 15 minutes, in the right circumstances depending on location).
When you sign up to Ria for the first time, you’ll get a welcome bonus in the form of a fee discount or a free transfer. The size of the discount will vary depending on your location and required transfer destination.
A daily limit of $5,000 applies to transfers with Ria, so if you wish to make a larger transfer, you may have to visit a Ria agent in person or look elsewhere.
There’s no precise way to know exactly how much your international transfer will cost you until you submit your transfer details and request a quote. This makes it more difficult to compare deals.
Ria doesn’t have an emphasis on business transfers or finding the cheapest rate, so many of the currency tools that competitors provide (such as a currency converter, or access to live exchange rate details) aren’t offered.
OFX |
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Special Offer: 5 fee free transfers (saving you up to $75 in fees) + preferential rates for international money transfersMore details |
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Enjoy $40 bonus on your first money transfers of $250 & above! Use code*: SAVVY20X2 (Minimum transfer of AUD 250 Valid till 31st August 2023)More details |
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Xe |
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Xe is a 2021 Canstar Award Winner and offers the best exchange rates, low to no fees so customers save the most moneyMore details |
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Western Union Money Transfer |
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Send money to over 200 countries and territories across the world onlineMore details |
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Wise Money Transfer |
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Send money cheaper and easier with Wise with no hidden fees.More details |
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TorFX |
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Excellent exchange rates with no transfer fees. Trusted by over 325,000 customers. Awarded Canstar’s 5 star rating 2018-2021.More details |
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Currencyfair |
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Send money overseas at better exchange rates, with no hidden fees.More details |
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Remitly |
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Remitly offers fast, safe and secure money transfers with excellent rates to over 100 countriesMore details |
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Revolut |
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Fast and easy, with super competitive rates across all major currencies. Join 25+ million customers saving on global transfers.More details |
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Disclaimer: Savvy is not advising or recommending any particular product to you. We provide general information on products for the purposes of comparison, but your personal situation or goals are not considered here. Although we try to make our comparisons as thorough as possible, we do not have information on all products on the market on our site.
If you decide to initiate a money transfer with one of the providers listed above via our website, you will not be dealing with Savvy; any applications or enquiries will be conducted directly with the provider offering that product.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
