Sending an international payment with Ria Money Transfer: Limits, timeframe, and fees

Sending payments abroad can be quick, secure and simple if you use a specialist provider to manage your transfer digitally. One option for Irish customers is to send with Ria Money Transfer¹, which serves 190+ countries and territories.

This guide walks through how Ria international money transfer works, including the fees for a transfer, currency exchange rate, and how much you can send.

We’ll also introduce an alternative for international transfers: Wise. With Wise you can transfer money online to 140+ countries with the mid-market rate and low, transparent fees.

Send money to +140 countries
with Wise 💰

Let’s start off with a quick example to illustrate how much an online international transfer could cost with Ria Money Transfer and Wise when sending €1000 from Ireland to a pound sterling bank account in the UK.

* This comparison is based on exchange rates and prices offered at 11:19 GMT+2 on 2nd January 2026 on Ria money transfer landing page and on Wise website.

How do I make an international transfer with Ria Money Transfer?

You can use Ria Money Transfer in Ireland either via website, in the Ria app, or by visiting an agent location. Your options for payment and the fees and rates you’re quoted may vary depending on the way you choose to arrange your transfer.

Send money with Ria via website or in app

It’s convenient to send a payment using your phone or laptop using the Ria digital money transfer service. However, in Ireland, you can only pay for your transfer using a card (debit or credit), but then the payment will be processed with no further action on your part.

Here’s how to send money with Ria via website or in app:

1. Log in to your Ria account on the app or website
2. Click "Send" or "Send money"
3. Enter the country and amount you want to send
4. Choose how you want to pay, and the receiving method
5. Enter your recipient’s information
6. Check the fee and rate quote that’s generated
7. Follow the prompts to pay.

Send money with Ria at an agent location

The Ria money transfer requirements are slightly different at an agent location. You can find your closest agent using the tools on the Ria website³, and then go along with your government issued ID document, like a passport. This is needed for security reasons, to verify your identity.

At the agent you can talk through the amount you need to send and the destination, and you’ll be guided through the steps to generate a quote. Check the fees and exchange rate, and then pay using one of the agent’s accepted payment methods.

You’ll need to keep your receipt as it contains important information about your payment. Once your money is moving you can use the Ria money track transfer⁴ service to get updates on the transfer’s progress.

Ria international money transfer fees: What are they?

The fees for making an international transfer with Ria international money transfer depend on the details of the payment. Factors which can make a difference include⁵:

• The value and currency of the payment
• The way you want to pay
• The way they money will be received
• How you set up your transfer

When you start to set up your payment via website or in the app, you’ll be able to set the payment and receiving method to generate a quote for your transfer. You might find that by changing the transfer details, the fees change - moving from a cash collection payment to a bank deposit payment for example.

The fees and exchange rates you’re offered at an agent location may not be the same as you get via website or in the Ria app. Your agent will explain to you the costs and rate, and you can then compare it to alternatives to decide which is best.

It’s important to note that the costs you pay when you use a money transfer service can include an upfront transfer fee, but may also include a fee added into the exchange rate used for currency conversion. We’ll look at that in a bit more detail in a moment.

How long do Ria money transfers take from Ireland?

The time that Ria money transfers take depends on the payment method and the way the money will be received. The fastest way to send a transfer is to pay with a card, and cash collection transfers may be quicker than bank deposits in some cases.²

What is the Ria Money Transfer exchange rate?

We mentioned earlier that Ria’s money transfer exchange rate may include a markup - a fee.⁷ A markup is a percentage charge added into the exchange rate used to convert your euro payment to the currency needed for deposit or collection.

Using a markup is very common practice in the market, but it can mean you pay more than you think for a transfer, as it’s not always easy to see how much a markup is costing you.

Ria states that it applies a retail exchange rate in addition to any service charge. However, they may have acquired the currency needed for your transaction with a wholesale rate that fluctuates. And Ria or the agent keeps the difference between those rates at the time or your transfer as a form of revenue.⁷

We saw an example of this in action with the example in the introduction to this guide.

In that case we looked at a payment of €1000 from Ireland to a pound sterling bank account in the UK. Ria waived the fee for this transfer entirely, while Wise had a fee. However, despite this, the recipient got more money with Wise in the end.

That’s because Wise used the mid-market exchange rate with no fees added, while Ria states that it doesn't use the mid-market rate⁵, plus has a markup on the rate used to convert EUR to GBP. This markup meant that the overall cost was higher compared to Wise - and the recipient got less deposited to their bank in pounds.

Before you arrange a payment, always check the exchange rate you’re quoted against the mid-market rate for your currency pair. You can get this from Google or using a currency conversion tool. If there’s a difference, this probably means there’s an exchange rate markup being used, which can mean your transfer is more expensive than you expect.

Ria international transfer limit

The Ria international transfer limit depends on the country your Ria account is registered in.

If you have a Ria account in Ireland you can send 10,000 EUR per transfer, up to a maximum of €25,000 every 365 days. If you’re looking for higher limits, you could check the Wise Account.

With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the mid-market exchange rates. Wise allows you to send up to 20 million EUR per transfer if you pay from your Wise account.

Have a look at the main benefits for using Wise to send large transfers:

• Dedicated support for large transfers
• Easy setup with no physical paperwork
• Upfront, transparent fees (with discounts available)
• Fully trackable transfers
• Two-factor authentication and real-time notifications.

Send large amount transfers
with Wise 💰

Send, receive and spend money with Wise

If you’re looking for a different provider to make transfers and also manage your money, have a look at the Wise Account.

With the Wise Account you can:

• Hold 40+ currencies and convert between them at the mid-market rate. You'll see the conversion fees upfront
• Get local account details in 8+ currencies, including USD, GBP, and EUR
• Receive cashback on EUR, GBP and USD held in your account
• Order a Wise debit card which you can use with our Smart Conversion technology
• Set up Auto Conversions based on your desired rate in the Wise app or use our Wise Rate Tracker to request exchange rate notifications directly to your email
• Create Wise Virtual Cards, and save on online shopping
• Get instant notifications of all your purchases via the Wise app so you can track your expenses. If you lose your card, you can easily cancel it in the app to keep your money safe
• Have a supporting, English-speaking customer service.

Open your Wise Account
for free 🚀

Sources used:

Sources last checked on date: 05th December, 2025