Ria Money Transfer vs Wise
Ria Money Transfer
riamoneytransfer.com
Wise
wise.comSide by side
| Figure | Ria Money Transfer | Wise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 3 | 1 |
| Spec score · Money Transfer Apps | 8.9 (#7) | 8.9 (#5) |
| Exchange-rate model | markup | mid_market |
| Upfront fee display | Yes | Yes |
| Mobile platforms | both | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. |
| Payment methods | The service accepts bank accounts, debit cards, credit cards and, in some markets, cash payments. | The app says users can fund transfers with Apple Pay, Google Pay, a debit or credit card, or a bank transfer. |
| Security | Ria describes multi-factor authentication, identity verification, EV SSL certification, encryption, and 24/7 monitoring as security measures. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| Support | Ria advertises 24/7 support, and its help center says chat support is available in more than 100 languages. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
| Transfer speed | instant | On many popular routes, transfers can arrive within one day, the same day, or instantly. |
| Transfer tracking | Ria provides real-time transfer tracking through its website and app using a transfer PIN. | The app shows the list and current status of transfers users have set up. |
Plans
Ria Money Transfer
- First-transfer promotionFree
- Ria Money TransferFree
- Ria Money Transfer mobile appFree
In their own words
Ria Money Transfer
Ria Money Transfer lets customers send money internationally online, in its Android or iOS app, or at a Ria location. It says it serves more than 200 countries and territories, with recipients able to collect cash, receive a bank deposit, or access funds through a digital wallet. Customers can also pay bills and top up mobile phones for people abroad. U.S. online transfers list debit card, credit card, bank, Apple Pay, and Google Pay as payment methods. Fees and exchange rates depend on the transfer details and appear before confirmation; the exchange-rate model includes a markup. The U.S. site advertises a $0 transfer fee for a first transfer with code HELLORIA, subject to terms and conditions. Transfers can be followed through real-time app updates or with a PIN or order number. Ria describes security measures including identity checks, multi-factor authentication, encryption, EV SSL certification, and 24/7 monitoring. U.S. online limits include USD $14,999.99 every 30 days for non-cash payment methods and USD $495.00 per cash-funded transfer.
Wise
Wise is a money app for sending money, receiving payments from abroad, checking exchange rates, paying bills, and sending money to loved ones. It sends to bank accounts in over 140 countries; delivery on many popular routes is within a day, the same day, or instant. Wise says it uses the mid-market exchange rate and displays fees before payment. Signing up is free, with no subscription; sending and conversion fees vary by currency and start from 0.33%. Sending to another Wise account has no sending fee, though conversion fees may still apply. Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer. Users can track and schedule transfers, repeat previous transfers, and receive live exchange-rate notifications. Wise says it safeguards customer money separately from its own and uses two-factor authentication to protect accounts and transactions. Photo ID may be required for some currencies or large transfers. The app is available on Android, iOS, and web.