Ria Money Transfer Fee Calculator

On a single route, the fee changes with three choices: how much you send, how you pay and how the money arrives. On Ria's US routes the way you pay tends to move it most, because a credit card is priced apart from a debit card, and bank deposit, cash pickup and wallet payouts each carry a fee of their own. The worked example below follows one of those combinations through to what arrives.

Set the destination and amount, then switch between ways of paying and delivery options: the fee moves with each, and the result shows what your recipient gets at Ria's rate beside the mid-market rate.

If you plan to pay in cash at Walmart or another retail agent, one cost applies there that an online quote never shows. Since January 1, 2026, transfers from the US paid in cash at an agent carry a 1% federal remittance tax; paying by debit card in store or online avoids it. For regular senders, the calculator also shows how the fee behaves as the amount grows: where it stays flat, it is a smaller share of a larger transfer.

That reach is Ria's real advantage. In much of Latin America, Africa and Asia a recipient can collect cash at an agent, a post office or a shop close to home, which matters wherever banking is thin or people still run their week on cash.

In the United States, Ria works with Walmart and other retail agents, so you can send money while doing your grocery shopping, or from another agent near you, without a special trip to a money transfer office.

Set against other services, Ria's case rests less on price, which varies by corridor and has to be checked on yours, than on reach. The routes it is built around are the big remittance corridors from the US: Mexico and Central America, Ecuador, the Philippines and India.

Two of those Latin American routes behave differently. El Salvador and Ecuador both use the US dollar, so there is no exchange rate to shop around on and the fee is the whole price. Our guide to sending money to El Salvador adds up what a year of monthly transfers costs, and the guide to sending money to Ecuador explains when the money can go to a cooperativa, a savings and credit cooperative, instead of a bank.

For urgent transfers where the recipient needs cash quickly, Ria's cash pickup can matter more than price alone, as long as you pay by card rather than from a bank account, which is the slow part. Cash in hand the same day can be worth a higher fee in an emergency, or when the recipient has no bank account. Whether pickup is worth it depends on the route: our Sri Lanka transfer guide weighs deposit against pickup for one country, and explains why informal hundi brokers are no substitute for either, since a payment that goes missing there has no regulator behind it and no refund.

Because Ria shows its fee and rate before you confirm, the fair test is simple: put the amount your recipient would receive next to another provider's figure for the same route and amount.