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Global money transfer company with nearly 40 years of experience, operating 600,000+ locations across 200 countries. Send money online and in-person with access to 4.1 billion bank accounts and 3.1 billion mobile wallets.
Data compiled from public sources
Ria Money Transfer was founded in 1987 as a small immigrant-operated business with a mission to help people stay connected to loved ones worldwide. The company was acquired by Euronet Worldwide Inc. in 2007 and has since grown into one of the world's leading cross-border money transfer providers. Despite its expansion, Ria maintains its founding philosophy of acting locally while thinking globally, positioning itself as a company made by and for migrants.
Ria's core service is international money transfer, available both online and through physical locations. The company leverages a vast network of 600,000+ agent locations across nearly 200 countries and territories, combined with digital tools for location finding and transfer tracking. Their infrastructure connects to 4.1 billion bank accounts and 3.1 billion mobile wallet users, enabling multiple receiving methods. Beyond basic transfers, they offer currency exchange services and bill payment options through their check-cashing category positioning.
Ria distinguishes itself through its emphasis on local, personalized service—agents speak customers' languages and understand their communities—combined with technological infrastructure. The company has established itself as more than a transactional service, partnering with Save the Children since 2022 to support early-childhood education (reaching 23,000+ children in Mexico and Philippines) and sponsoring Inter Milan to align with values of excellence and global reach. Their brand messaging emphasizes affordability, speed, and safety as core commitments.
As a major player in remittances, Ria serves a critical function for migrant workers and families separated by geography. However, the website provides limited transparency on specific fees, transfer speeds, exchange rates, or competitive pricing—essential information for consumers comparing money transfer options. The corporate site focuses on brand narrative and partnership opportunities rather than detailed service terms, requiring users to visit the consumer site for operational details.
This is state-level context for Check Cashing & Money Services consumers in Bakersfield, CA. It does not confirm that Ria Money Transfer & Currency Exchange or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Short-term lending status: Legal
General rate context: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ria Money Transfer & Currency Exchange offers 12 services including International money transfers (online), In-person money transfers through agent network, Money transfer tracking via digital tools, Currency exchange services, Bank account transfers (4.1 billion accounts accessible), and 7 more.
Ria Money Transfer & Currency Exchange has profile signals associated with Migrant workers sending remittances to family in countries with limited digital banking infrastructure, Consumers preferring in-person service with multilingual staff over digital-only platforms, Customers in underbanked regions where Ria's 600,000-location network provides reliable physical access, Users seeking established brand reputation and international reach for large or frequent transfers.
Key strengths: 600,000+ agent locations across nearly 200 countries and territories for in-person service; Extensive digital infrastructure: 4.1 billion bank accounts and 3.1 billion mobile wallet users accessible; Multilingual, immigrant-focused staff who speak customers' languages and understand their communities. Areas to consider: Website lacks listed fee schedules, exchange rates, or transfer speed comparisons needed for consumer decisions; No information on competitive pricing relative to competitors like Western Union, MoneyGram, or digital alternatives.
In the Check Cashing & Money Services category, comparable providers include Check Cashing & Grocery Deli Liquor Wine & Beer, Express Loans, Money Exchange Hernandez. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ria Money Transfer is profile signals for migrant workers and families sending remittances internationally who prefer established, community-oriented service with multilingual support and physical locations. The primary caveat is that the corporate website provides minimal transparency on pricing, fees, and competitive terms—consumers must visit the consumer-facing site or contact the company directly to make informed rate and service comparisons.
Check cashing service combined with grocery deli and liquor retail located in San Jose. Offers check cashing, money orders, and beverage/food sales.
Profile signals: Unbanked or underbanked customers in the San Jose area needing same-day cash access, Customers seeking convenient one-stop shopping combining financial services with grocery/liquor purchases
ACE Cash Express operates physical locations offering check cashing, payday loans, bill payment, and money transfer services without requiring a bank account.
Profile signals: Unbanked or underbanked consumers needing to cash checks without a bank account, Individuals seeking immediate bill payment options in cash at physical locations
Money Exchange Hernandez offers check cashing, money orders, wire transfers, and bill payment services in San Diego's San Ysidro neighborhood with extended hours.
Profile signals: Unbanked and underbanked consumers without traditional bank accounts, Cross-border commuters and San Ysidro residents needing rapid money transfer services
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