Panda Remit review: Everything you need to know
Have a look at our Panda Remit review – an in-depth look at its main features, fees, and security to help you decide if it’s the right platform for you.
Ria Money transfer limits - US guide [2025]
Ria Money Transfer is a popular way to send money abroad, with over 500,000 pickup locations across 190+ countries and territories. If you live in the US, you can send money online, through the app, or in person at a store.¹
If you're planning your next transfer — especially a large one — you understandably want to know what the Ria transfer limit is. So, how much money can you send with Ria?
If you're in the US, you can typically send 14,999.99 USD every 30 days, but it depends on your state, how you're funding your transfer, and what country you're sending money to. Here's everything you need to know.
We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.
| Table of contents |
|---|
Ria money transfer limits overview
Here are the main transfer limits you'll see when sending money with Ria in the US:
| Payment method | Transfer limit² |
|---|---|
| Cash-funded transfers | 495 USD per transfer |
| All other payment methods | 14,999.99 USD every 30 days |
| Need to send a large amount? With Wise, you can send up to 1,000,000 USD per wire transfer to 140+ countries — and we automatically apply a discount when you send over 25,000 USD (or equivalent). |
|---|
🚀Send high-amount transfers with Wise
*For more information, please visit https://payout-surge.live/us/large-amounts/%3C/a%3E.%3C/small%3E%3C/p%3E
💡 You'll need to verify your identity to become eligible for the maximum amount of 14,999.99 USD every 30 days. If you're not verified, your sending limits will be lower, but Ria doesn't specify what they are.
There may be additional restrictions from your recipient's bank or receiving method that limit the amount you can send. Some agent and partner locations may have other limits in place, too.
If you have specific questions about limits to particular countries — like the Ria money transfer limit to India — check the country pages for your destination.
The easiest approach is often to start your transfer and see if Ria lets you proceed or if there's a limit. Regardless, you won't be able to send more than 14,999.99 USD per 30 days with Ria.
What is Ria’s monthly transfer limit?
For verified accounts, Ria's monthly transfer limit is 14,999.99 USD every 30 days. This applies to most payment methods, including bank transfers, debit cards, and credit cards.²
Cash-funded transfers have a much lower limit of 495 USD per transfer, which can reduce how much you can send monthly if you prefer paying with cash.²
What is Ria’s daily transfer limit?
Ria doesn't set a specific daily transfer limit for most users. Instead, they focus on the 30-day rolling limit of 14,999.99 USD.²
Oklahoma, Arizona, and New Mexico have additional restrictions that lower your transfer limits to 999.99 USD per day. Plus, cash transfers are limited to 495 USD per transaction.²
Ria international transfer limits
When you're using Ria to make an international transfer, you follow the same rules: 14,999.99 USD every 30 days for verified accounts, and 495 USD per transfer for cash payments. However, the country you're sending to can have additional restrictions.²
It's important to look up your specific destination country because sometimes there are additional limits set by local banks, government regulations, or Ria's partner locations.
For example, Ria’s transfer limit to the Philippines has additional restrictions depending on the receiving partner:³
- M Lhuillier: 250,000 PHP per transfer
- Cebuana Lhuillier: 200,000 PHP per transfer
- BDO Palawan/Tambunting/USSC: 200,000 PHP per transfer
So, even if you're within Ria's transfer limits, make sure to check country-specific limits, too.
Send high amount, low cost international transfers with Wise
A smart option if you’re sending money overseas: meet Wise.
| With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees. |
|---|
Over 50% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.
No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.
🚀Get started with high amount transfers
| See how Wise compares with international bank transfers in our full guide |
|---|
*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.
How can you check your Ria transfer limits?
You should be able to see your transfer limits in the Ria app. For verified accounts, you can assume that the standard limit of 14,999.99 USD every 30 days applies.
The system will prevent you from sending more than your limit, so you'll know if you're trying to exceed it. If you hit a limit, the app or website will show you an error message explaining the restriction.
Can you increase your transfer limits at Ria?
You can't increase your send limit for online money transfers through the app or website.
If you need to send more than the standard limits, you'll need to visit a physical Ria store. At the store, you'll be asked to provide additional information, including an ID, social security number, and other paperwork to process larger transfers.
You may or may not be able to send more. It's up to the Ria store.
| With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees. |
|---|
What are Ria's transfer fees and charges?
Ria’s money transfer fees aren't fixed. They change depending on your payment method, payout method, send country, transfer destination, and transfer amount, among other factors.⁴
For example, faster payment methods typically cost more than slower ones.
In addition to the transfer fee, which can already be quite high, Ria also charges an exchange rate markup. This means they offer you a less favorable exchange rate than the mid-market rate you see on Google, and they pocket the difference.
This markup can make you lose quite a lot of money, especially on a larger transfer, because you'll be losing money on every USD you send. Overall, Ria can be a pretty expensive way to send money, just like a wire transfer at your bank.
Things to keep in mind when transferring high amounts
If you need to transfer a large amount, Ria likely isn't the best option for that.
Its main purpose is to send smaller amounts to friends and family, especially if they live abroad. But even for those smaller transfers, it can be costly because of the fees and exchange rate markups.
Keep these factors in mind:
- Low transfer limits: The 14,999.99 USD monthly limit may not meet your needs for large transfers²
- State restrictions: Some states have daily limits as low as 999.99 USD, which makes large transfers impractical²
- Recipient limits: Partner locations and banks may have their own separate receiving limits
- Cash transfer restrictions: If you prefer cash, you're limited to just 495 USD per transfer²
- No limit increases: You can't raise your transfer limits online, but you may be able to if you visit a Ria store
Overall, Ria is one way to send money internationally, but it comes with pretty tight limits and pretty high fees. You'll likely find a better deal elsewhere.
With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.
Have a look at the main benefits for using Wise to send large transfers:
- Dedicated support for large transfers
- Fast and easy setup with no physical paperwork
- Upfront, transparent fees
- Fully trackable transfers
- Fast transfer times
- Two-factor authentication and real-time notifications
Sources
- Ria Money Transfer
- Ria Money Transfer - What are the transfer limits?
- Ria Money Transfer - Sending money to the Philippines
- Ria Money Transfer - FAQs on fees and exchange rates
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
Money without borders
Find out more
What are PayPal’s international fees and how to avoid them: US guide
What you need to know about PayPal international fees.
How to transfer large sums of money between bank accounts: US guide
Read on to understand how much you can send between banks, including tips for sending large amounts internationally.
How long does a wire transfer take? US guide
Wondering much time it takes to complete a wire transfer? Do you want to know how to do it in less time? You’ve come to the right place to find out.
How to send money with Walmart: Full guide
Learn how to do a wire transfer with Walmart, the corresponding fees, and more.
Plastiq Review: Everything you need to know
Have a look at our Plastiq review – an in-depth look at its main features, fees, and security to help you decide if it’s the right platform for you.
