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Ria vs Western Union

Curious how Monito creates these scores?

Our recommendation: Western Union is a better deal

May 23, 2019
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Ria vs Western Union. Which one is the best for you and your needs? Which is the most affordable option if you need to send or receive money internationally? Check out our analysis of the pros and cons of each money transfer company.

Ria and Western Union have both pros and cons. Make sure to compare the fees & exchange rates before your next transfer.

Compare Ria, Western Union and 100+ international money transfer services

Ria
8.0
Western Union
7.5

Trust & Credibility

Background check

Background check
Background check

A subsidiary of Euronet Worldwide Inc. and with offices spanning across the globe, Ria is a duly authorized and regulated financial services company in every region in which it does business.

Western Union is a publicly-traded company, licensed and authorized by the New York State Department of Financial Services in the US and in every region in which it operates globally.

Security & reliability

Security & reliability
Security & reliability

Ria Online's platforms are fully secured and use top-notch security protocols, including segregated user accounts and HTTPS.

Western Union's platforms are fully secured and use top-notch security protocols, including segregated user accounts and HTTPS.

Company size

Company size
Company size

Since being established in 1987, Ria has grown into a giant in the money transfer world that today boasts over US$40 billion in annual transactions, two million customers, and two thousand employees.

Founded back in 1851, Western Union is arguably the biggest name in the international money transfer world. In 2020, the company boasted over 11 thousand employees, 150 million customers, and over US$96 billion transferred in principal.

Transparent pricing

Transparent pricing
Transparent pricing

Ria is not fully transparent about its pricing, with around 59% of total fees being buried away in hidden exchange rate margins.

Western Union is not transparent about its pricing, with some 90% of total fees being buried away in hidden exchange rate margins.

Ria
7.3
Western Union
8.0

Service & Quality

Opening an account

Opening an account
Opening an account

Account registration at Ria Online is reasonably straightforward, although there are a number of steps that need to be followed, which can add a lot of time to the process.

Opening an account with Western Union Online is reasonably easy thanks to a simple, well-designed website and mobile app.

Making a transfer

Making a transfer
Making a transfer

Sending money overseas is a fast, simple, and smooth process with Ria Online on both its website and its mobile app.

Transferring money with Western Union Online is a speedy and straightforward process for first-time and returning users alike.

Contacting support

Contacting support
Contacting support

Finding an answer to a question is reasonably simply using Ria Online's detailed FAQ, but there are fewer options to get in touch with the company, with only phone and email support being available to customers.

Western Union Online provides a FAQ that's detailed (albeit tricky to navigate) and offers phone support features accessible via the mobile app.

Ria
4.6
Western Union
7.0

Fees & Exchange Rates

Transfers to a bank account

Transfers to a bank account
Transfers to a bank account

Ria Online was the best deal on 15% of available Monito searches for bank transfers over the third quarter of 2020.

Western Union Online was the best deal on less than 4% of available Monito searches for bank transfers over the first three months of 2021.

Transfers to cash pick-up

Transfers to cash pick-up
Transfers to cash pick-up

Ria Online was the best deal on scarcely a tenth (7%) of available Monito searches for cash pickup transfers over the third quarter of 2020.

Western Union Online was the best deal on nearly a quarter (23%) of available Monito searches for cash pickup transfers over the first three months of 2021.

Ria
8.3
Western Union
7.6

Customer Satisfaction

Customer review score

Customer review score
Customer review score

Earning 4.3 out of 5 stars from nearly six thousand reviews on Trustpilot, Ria Online is undoubtedly a service that's well-liked by its customers.

Western Union Online has garnered very mediocre feedback in general, receiving only 2.6 out of 5 stars from over 18 thousand reviews on Trustpilot.

Number of positive reviews

Number of positive reviews
Number of positive reviews

With nearly five thousand reviewers on Trustpilot awarding four- or five-star to Ria Online, many find the service to be reliable and reputable.

With more than 14 thousand reviewers on Trustpilot awarding four- or five-star to Western Union Online, the service is undoubtedly reliable in the eyes of many customers.

Find the best way to send money abroad

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

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Affiliate Disclosure
Instead of banner ads and paywalls, Monito makes money through affiliate links to the various payment service providers featured on our website. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. This allows us to match our users with the right providers to suit their needs and, in doing so, match our providers with new customers, creating a win-win for everybody involved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations.