In the world of international money transfers, there are several companies that have made a name for themselves by offering fast, secure, and affordable services. Among these companies, Pay Send, Ria, and Wise are three of the most popular options. However, not all money transfer services are created equal, and it's important to choose the right one for your needs. In this article, we will compare Pay Send, Ria, and Wise, and discuss their pros and cons.

1. Ria

Ria is a well-established money transfer service that has been in operation for over 30 years. With a presence in more than 160 countries and a network of over 447,000 agent locations, Ria is one of the largest money transfer companies in the world. The company offers both online and in-person transfer options, making it a convenient choice for a wide range of customers.


  • Extensive global reach with a large network of agent locations
  • Competitive exchange rates and low fees
  • Reliable and secure service with a long track record
  • Multiple transfer options, including cash pickup, bank deposit, and mobile wallet


  • Some users may find the website interface less user-friendly compared to competitors

2. Pay Send

Pay Send is a relatively new player in the money transfer industry, but it has quickly gained popularity due to its innovative approach and user-friendly platform. The company offers a simple and straightforward process for sending money internationally, with a focus on transparency and affordability.


  • Easy-to-use online platform with a clear fee structure
  • Competitive exchange rates with no hidden fees
  • Fast transfer times, with most transactions completed within minutes
  • Secure and regulated service with a strong focus on customer privacy


  • Limited presence in some countries, especially in Africa and the Middle East
  • No cash pickup option, only bank-to-bank transfers

3. Wise (formerly TransferWise)

Wise is a well-known money transfer service that has been praised for its transparent fee structure and real exchange rate. The company has a strong reputation for offering fast and affordable international transfers. However, recent changes in the company's support structure and policies have led to a decline in customer satisfaction.


  • Transparent fee structure with no hidden charges
  • Real exchange rate with no markup
  • Fast and efficient online platform
  • Multi-currency account option for frequent travelers and businesses


  • Recent move of customer support to Romania has led to a decline in service quality
  • Some users have reported random restrictions on their accounts, leading to frustration
  • Support staff has been described as "nasty" by some customers


In conclusion, Ria is the top choice for international money transfers due to its extensive global reach, competitive rates, and reliable service. Pay Send is a close second, offering a user-friendly platform and transparent fees. Wise, despite its strong reputation, has seen a decline in customer satisfaction due to changes in its support structure and policies. It remains a good option for those who value transparency and real exchange rates, but customers should be aware of potential issues with customer support.