Ria large transfers and transfer limits in the UK (2026)

Buying a holiday home overseas, or having renovation work done here in the UK? Perhaps you’ve inherited money and need to move it between your accounts.

Whichever is the case, you’ll need to know the safest, quickest and most cost-effective way of making your large transfer.

One option for UK and international payments is to use an online money transfer company like Ria Money Transfer, which is widely used in the UK. But how do large transfers work with Ria? Find out everything you need to know here in our handy guide, covering limits, fees, transfer times and more.

We’ll also introduce a smart and cost-effective way to send large sums internationally from the money services provider Wise. Over 14.8 million people worldwide use Wise to move £36 billion every quarter.

With low, transparent fees, great mid-market exchange rates, and secure, trackable transfers, Wise makes international money transfers simple and stress-free. Plus, you’ll get dedicated support and volume discounts when sending large amounts. On a £50,000 transfer, you could save up to £1,000 with Wise vs your bank.

Get expert support for your large transfer 📞

Can you send large transfers with Ria Money Transfer?

No, unfortunately Ria Money Transfer isn’t a great option for sending large transfers.

This is because it has very tight limits of just £8,000 a payment online, or a maximum £4,999 per day/month in the app.¹

You may be able to send more than this if you visit a Ria Money Transfer agent in person - we’ll look at this in more detail next.

Ria transfer limits

Ria’s transfer limits are very restrictive, so you can only send a maximum of £8,000 a payment online, or a maximum £4,999 per day/month in the app.¹ Limits may also vary depending on the destination of the payment.

However, there could potentially be a workaround. If you need to make a larger payment, you can visit a Ria Money Transfer agent in person to set up your transfer. You’ll need to take your ID along with you along with other documents - get in touch with the provider to find out what you’ll need.¹

Ria Money Transfer has a huge network of agent locations all over the UK, and you can find your nearest here.

Unfortunately, Ria’s transfer limits can’t be changed. So if it doesn’t work for you and you need a more convenient way to make large transfers, you may need to find an alternative provider.

What’s the maximum amount you can send with Ria?

The maximum limit for sending transfers with Ria is:¹

• Up to £8,000 per payment online
• Up to £4,999 per day or month in the mobile app.

Can you send multiple large transfers per day?

You may be able to send multiple transfers per day online with Ria, but the only way to find out is to send one payment and then try another.

The limits in the Ria app are very restrictive, only allowing you to send up to £4,999 per day or month.¹ This means that it’s unlikely you’ll be able to split your large payment into lots of smaller ones.

It’s also worth bearing in mind that multiple, frequent payments can potentially trigger fraud monitoring alerts, but the provider will contact you if this is the case.

Ria large amount transfer fees and costs

So, how much does it cost to send a payment in the UK with Ria Money Transfer?

Ria transfer fees vary depending on a few factors, such as:

• Payment method
• Payout method
• Send country
• Transfer destination
• Transfer amount

To check the fee, you’ll need to start setting up a transfer in the platform’s app or online. There’s a handy calculator you can use - head here and enter the destination and amount to see the fees.

Ria often has promotional offers for new customers, so it’s worth seeing if you can get a discounted fee or better exchange rate for your first transfer.

And speaking of exchange rates, it’s just as important to check this alongside the upfront fee when sending money abroad.

Ria uses its own exchange rates, which may include a mark-up.² This can make the transfer more expensive for you, but you can always check the rates upfront before you send.

Wise – A low-cost, transparent alternative for international transfers

Large amount international transfers can be complex and get expensive with hidden fees. High street banks often add a markup to the exchange rate, which can be costly on large sums.

The Wise account, from the money services provider Wise, offers a modern alternative. You’ll get the mid-market exchange rate (close to the one you see on Google) with no hidden markups and low, transparent fees. On a £50,000 transfer, you could save up to £1,000 with Wise vs your bank.

It's not a bank account but offers some similar features, and your money is safeguarded.

**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

How to transfer large amounts with Ria Money Transfer: Step-by-step process

Now, let’s take a look at how you’ll actually go about sending a large transfer with Ria.

Before you do anything, you’ll need to have a few details ready for your recipient.

Here’s what you’ll usually need to provide, including details for sending money abroad:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)
• The International Bank Account Number (IBAN) - for international transfers
• The SWIFT/BIC code for their bank - for international transfers.

To make your payment, simply follow these steps:³

1. Log in to your account via the Ria app or the Ria Money Transfer website
2. Select ‘Send’ or ‘Send money’
3. Choose the country you’re sending money to
4. Complete either the ‘You send’ or the ‘Recipient gets’ field. The first option is the amount you want to send in your home currency, while the second is how much you want the recipient to receive in theirs.
5. Choose how you want to pay - the fastest options are debit card and credit card
6. Select a delivery method - bank deposit is available to pretty much all destinations, while cash pickup, mobile wallet and home delivery are available in some countries
7. Enter your recipient’s details - or select an existing recipient (someone you’ve paid before)
8. Pay for your transfer
9. Check the details and send your payment.

To send money at a Ria location in person, you’ll need to show your ID and provide the details of the transfer to the agent in store.

You’ll set up the payment and pay for it, and you’ll be given a receipt - make sure you hang onto this as it contains tracking information.

Is Ria safe for large payments?

Ria isn’t a licensed UK bank, but it is licensed in the UK as a payment services provider.

In order to meet requirements, it is required to use security measures to keep your money and transfers safe.

This includes:⁴

• Multi-factor authentication (MFA) to safeguard access to your account
• Extended SSL certification on the Ria Money Transfer website, ensuring strong data encryption
• Rigorous identity verification checks
• 24/7 monitoring for fraud and threats.

However, it’s always wise to take precautionary steps to protect yourself when sending a large sum. These include:

• Double-checking the recipient’s bank details.
• Avoid sending money to people you don’t know.
• Never feel pressured into sending a payment - it could be a scam.
• Avoid sharing your online or mobile banking details with anyone.

How long do large transfers take with Ria Money Transfer?

Ria transfer times vary depending on your payment method, as well as the delivery method and the time/day of the week.

Let’s take a look:⁵

The above are the timelines for when your money reaches Ria, and it says that funds will be sent to your recipient (or made available for cash pickup) immediately afterwards. The only exception is home delivery, which can understandably take a little longer.

It’s also worth knowing that for some currencies, transfers can only be made on working days. So if you send on a weekend or bank holiday, there may be a delay.

Key takeaways

• You can send up to £8,000 per payment online or a maximum of £4,999 per day or month via the mobile app, making it a restrictive option for high-value transfers.
• You may be able to exceed digital limits by visiting a Ria Money Transfer agent location in person, though you will need to provide valid ID and potentially further documentation.
• Ria uses its own exchange rates which often include a markup; you should use the online calculator to check the specific fee and rate for your destination before committing.
• Debit and credit card payments are the fastest options, typically reaching Ria within 15 minutes to 3 hours, while bank account transfers can take up to 4 business days.
• To ensure the security of your funds, Ria employs multi-factor authentication (MFA), extended SSL data encryption, and 24/7 fraud monitoring.
• You can track your transfer using the receipt or the information provided in the app to see exactly when the funds are received or available for cash pickup.

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Sources used:

1. Ria - Help - What are the transfer limits?
2. Ria - Terms UK
3. Ria - Help - How do I send money with Ria?
4. Ria - Security
5. Ria - Help - How long do transfers take?

Sources last checked on date: 03-Mar-2026