Wise, established in 2011 and headquartered in London, revolutionized the sector with its transparent fees, mid-market exchange rates, and a versatile online multi-currency account. It caters to a modern, digitally-savvy clientele, emphasizing ease of use and cost efficiency.

Ria, founded in 1987 and a subsidiary of Euronet Worldwide, Inc., operates a vast network of over 500,000+ locations across more than 190 countries and territories. It specializes in providing accessible, reliable money transfer services, including cash pickup options, catering to those who might not have access to traditional banking services.

Both companies have carved out significant niches, serving millions worldwide with their unique approaches to overcoming the challenges of international money transfers.

Customers

Company Name	Ria	Wise
Logo
	Ria Review	Wise Review
Customer rating	4.3/5 (TrustPilot)	4.3/5 (TrustPilot)
# Rating Customers	21,751 votes	231,230 reviews
Top 3 Pros	Wide global reach Professional support Fair rates for remittances	Transparent fees Mid-market exchange rates Multi-currency account
Top 3 Cons	Low payment limits Not great for large transfers No dedicated dealers	Not optimal for very large transfers No dedicated currency dealer Some negative customer reviews

Availability

Company Name	Ria	Wise
Logo
Office locations	500,000+ locations worldwide	Offices in UK, EU, USA, Australia, and more
# Currencies	100+	50+

Security

Company Name	Ria	Wise
Logo
Regulated by	FinCEN, FCA, FINTRAC, ASIC	FCA, FinCEN, and other global regulators
HTTPS Secured	Yes	Yes
Segregated Customer Accounts	Yes	Yes
2FA	Yes	Yes

Limits and Fees

Company Name	Ria	Wise
Logo
Min transfer	No minimum	£1 / $1 equivalent
Max transfer	$2,999 per transfer for US and Canada	Varies by currency
Fixed fees	$3-$5 for amounts below $100	Variable, percentage-based
See rates before you log in?	Yes	Yes

Customer Support

Company Name	Ria	Wise
Logo
Dedicated Dealer	No	No
Email	Yes	Yes
Phone	Yes	Yes
Live Chat	Yes	Yes
24/7	No	No

Ways to Transfer

Company Name	Ria	Wise
Logo
Online System	Yes	Yes
Online App	Yes	Yes
Multi-Currency Account	No	Yes
Cash Pickup	Yes	No
Card Top-Up	No	Yes (via debit card)

Additional Functions

Company Name	Ria	Wise
Logo
Hedging	No	No
Mass payments	No	Yes
Cash cheques	Yes (in some locations)	No
Multi-Currency Debit Card	No	Yes

Conclusion

On MoneyTransferComparison, Wise has received a higher editorial score. The advantages of Wise over Ria are these:

• Transparent fees with mid-market exchange rates.
• A powerful online multi-currency account and debit card.
• A broader range of services tailored for both individuals and businesses.

Wise is better for individuals and businesses looking for transparent pricing, those who need to manage money in multiple currencies, and anyone seeking a modern, app-based approach to international money transfers. Its multi-currency account and debit card make it particularly suited for travelers, expatriates, and digital nomads.

Ria is better for those who need cash pickup options and are sending money to countries where banking infrastructure may not be as robust. It’s also a strong choice for users who prioritize a wide global reach and the convenience of physical locations for sending or receiving money.