Ria Money Transfer is an international remittance service enabling customers to send and receive money across 190+ countries through online, mobile app, in-person, and WhatsApp channels.
Editorially reviewed by Harvey Brooks
Ria Money Transfer, operating as Patron Envios & Mas Inc, has over 35 years of experience in the international money transfer industry. The company facilitates cross-border remittances for customers needing to send funds to family and friends worldwide, processing over a billion transfers to date. Their infrastructure includes partnerships with more than 600,000 pickup and payout locations globally, positioning them as a major player in the consumer remittance market. The company operates primarily as a check-cashing and money transfer service, distinct from consumer lending or credit products.
Ria's service portfolio includes multiple sending channels: online transfers via their website, mobile app-based transfers, in-person cash payments at retail locations, and WhatsApp-based money transfers. Customers can receive funds through bank deposits, cash pickups, digital wallets, home delivery, and ATM withdrawals. The platform supports transfers to over 190 countries and territories, with advertised competitive exchange rates and transparent fee structures. For example, their website displays a promotional rate on first transfers with fees starting at $1.99 USD for certain corridors. The company emphasizes speed, claiming transfers can be completed in seconds.
Ria differentiates itself through brand recognition and scale—they sponsor the Mexican National Team and maintain high mobile app ratings (4.9 stars on iOS, 4.5 on Trustpilot). Their multi-channel approach allows both digital-native and in-person customers to access services. The company offers tools like a currency converter and IBAN calculator to help users understand rates before committing to transfers. Additionally, their WhatsApp integration represents a modern channel that appeals to tech-forward users in emerging markets.
However, Ria operates in a competitive remittance market where fees, exchange rates, and delivery speeds vary significantly by corridor and payment method. While the website emphasizes fast transfers and broad geographic reach, actual fees and rates are transaction-dependent and not universally disclosed. The service is primarily suited for international remittances rather than domestic money movement or alternative financial services, limiting its utility for customers seeking credit access, financial planning, or credit-building tools.
Yes. Ria Money Transfer - Patron Envios & Mas Inc is a registered company headquartered in Patron Envios & Mas Inc, 6056 Castor Ave, Philadelphia, PA 19149. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Ria Money Transfer is best suited for individuals with international remittance needs across established corridors, particularly those sending to Latin America, Africa, Asia, and Europe. The main caveat is that this is a specialized remittance service without credit products, loans, or credit-building features—it solves money movement problems, not financial access or credit challenges.
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