Promotional Terms and Conditions (EEA)

These terms and conditions for promotions (the “Promotional Terms and Conditions”) are offered by RIA Lithuania UAB, a company incorporated in the Republic of Lithuania with registered number 305592651, whose registered address is at Ukmergės g. 126, LT-08100, Vilnius, Lithuania. We trade under the name 'Ria' and have a payment institution license No. 52, issued by the Bank of Lithuania on 26 November 2020. This authorizes us to provide digital money remittance services throughout the European Economic Area. These Promotional Terms and Conditions relate to those services.

The Terms and Conditions for the provision of Money Remittance services and the use of the Ria Money Transfer mobile application or Ria Money Transfer website (the “General Terms and Conditions”) also apply alongside these Promotional Terms and Conditions.

Unless otherwise expressly stated in these Promotional Terms and Conditions, the terms defined in the General Terms and Conditions shall also apply to these Promotional Terms and Conditions.

For the purposes of these Promotional Terms and Conditions:

a)        The term “App” refers to the Ria Money Transfer mobile application.

b)       The term “Website” refers to Ria’s official online platform (www.riamoneytransfer.com).

c)        The term “Payment Order” refers to a money remittance order placed by a customer through the App or the Website to send money to a beneficiary.

d)       The term “Local Currency” means the official currency of the country in which the customer is registered in the App and/or Website.

e)        Promotions may be available on the App or on the Website, depending on the country of sending. It is the customer’s responsibility to check whether they have access to the App or the Website in their country.

We offer you the possibility to benefit from more favorable conditions, including but not limited to reduced fees, improved exchange rates or other promotional advantages when placing a Payment Order through the App or the Website (collectively, the “Promotions”).

These Promotions may be made available at no cost to you, either automatically during the transaction process or through the insertion of a promotional code provided by Ria, as specified below.

The following Promotional Terms and Conditions apply specifically to every Promotion offered by Ria at its sole discretion to you, subject to market conditions and you fulfilling the requirements set out below. Should any of the specified codes not apply the corresponding Promotion once entered into the App or the Website, this would indicate that the Promotion is not available to you.

Unless expressly specified, the Promotions cannot be combined with any other promotional offer, discount or promo code. We reserve the right to modify, suspend or cancel any of these Promotions at any time. You are solely responsible for any personal tax implications and compliance with applicable laws regarding these Promotional Terms and Conditions.

Generic Statements

1)        Single-use and non-combinability. Unless expressly specified, Promotions cannot be combined with any other promotional offer, discount, or promo code. Each Promotion applies exclusively to one Payment Order per customer.

2)        App and Website availability. Promotions may apply either on the Website or the App, depending on the country where the customer is registered with Ria for the provision of Ria’s digital money remittance services. It is each customer’s responsibility to verify whether they have access to the App or the Website in their country before attempting to benefit from a Promotion.

3)        Destination country limitation. The availability of each Promotion depends on the country to which the money is sent. Customers can check whether a Promotion applies by entering the associated code in the App or on the Website; if the code is accepted, the Promotion applies; if not, it is not available for you and/or for that destination.

4)        Minimum Payment Order and Bonus amounts. Some Promotions require a minimum principal amount in local currency. The applicable minimum amounts, as well as the Bonus amounts that will be added to the Payment Order, are listed in the table titled “Minimum Amounts per Currency & Added Amount” of these Promotional Terms and Conditions.

Promotions

HELLORIA
Use the code HELLORIA to enjoy 0 (ZERO) fees in your Local Currency on your first Payment Order.

This promotion is limited to one (1) Payment Order per customer and is available exclusively to new customers using the App or the Website. This Promotion may be combined with the “Welcome Rates” Promotion, if applicable. When this Promotion is offered to you automatically throughout the transaction process, you may choose not to proceed with the transaction and thereby decline the benefit of this Promotion by abandoning the transaction prior to its confirmation.

This promotion expires on January 31, 2028.

Please note that this Promotion may not be applicable in all countries. Availability of this Promotion depends on the country to which the money is sent, and Ria reserves the right to exclude certain jurisdictions at its sole discretion without prior notice. Customers can verify applicability by entering the code in the App or on the Website: if the App or the Website accepts the code, the Promotion applies; if not, the Promotion is not available for you and/or for that destination.

Standard fees and charges may still apply.

RIAx2
Use the code RIAX2 to enjoy 0 (ZERO) fees in your Local Currency on your second Payment Order.

This promotion is exclusively available to existing customers who have already completed one Payment Transaction using the App or the Website.

The promo code can be used only once per customer, for a Payment Order made via the Ria Money Transfer App or the Website.

This promotion expires on January 31, 2028.

Please note that this Promotion may not be applicable in all countries. Availability of this Promotion depends on the country to which the money is sent, and Ria reserves the right to exclude certain jurisdictions at its sole discretion without prior notice. Customers can verify applicability by entering the code in the App or on the Website: if the App or the Website accepts the code, the Promotion applies; if not, the Promotion is not available for you and/or for that destination.

Standard fees and charges may still apply.

RIABACK
Use the code RIABACK to enjoy 0 (ZERO) fees in your Local Currency on your next Payment Order.

This promotion is limited to one (1) Payment Order per person and is available exclusively to existing customers who have previously completed at least one Payment Transaction using the App or the Website.

This promotion expires on January 31, 2027.

Please note that this Promotion may not be applicable in all countries. Availability of this Promotion depends on the country to which the money is sent, and Ria reserves the right to exclude certain jurisdictions at its sole discretion without prior notice. Customers can verify applicability by entering the code in the App or on the Website: if the App or the Website accepts the code, the Promotion applies; if not, the Promotion is not available for you and/or for that destination.

Standard fees and charges may still apply.

Welcome Rates

This Promotion may be applied automatically to you during the transaction process on the App or the Website when you make your first Payment Order so that you can enjoy better rates for converting the currency of your Payment Order to the currency in which the funds will be paid to the Beneficiary, compared to the rates offered by Ria to its App or Website users.

This Promotion shall vary from one country to another and shall be made available at Ria´s discretion, depending on prevailing market conditions. You may choose not to proceed with the transaction and thereby decline the benefit of this Promotion by abandoning the transaction prior to its confirmation.

This promotion expires on January 31, 2028. Promotional FX rates offered are subject to change and may vary according to the amount sent. Standard fees and charges may still apply.

PARTY26
Use the code PARTY26 to receive an additional amount in your Local Currency, which will be added directly to the principal amount of your Payment Order (the “Bonus”).

To qualify for the Bonus, your Payment Order must meet a minimum principal amount in your Local Currency. The required amount, as well as the corresponding Bonus amounts added to the Payment Order are listed in the Table of Minimum Amounts per Currency & Added Amount below.

This promotion is available exclusively to existing customers who, on their birthday, have previously completed at least one Payment Transaction using the App or the Website.

The promo code may be used only once, and the Bonus applies to a single Payment Order per customer.

Please note that this Promotion may not be applicable in all countries. Availability of this Promotion depends on the country to which the money is sent, and Ria reserves the right to exclude certain jurisdictions at its sole discretion without prior notice. Customers can verify applicability by entering the code in the App or on the Website: if the App or the Website accepts the code, the Promotion applies; if not, the Promotion is not available for you and/or for that destination.

This promotion expires on January 31, 2027. Standard fees and charges may still apply.

VIP26
Use the code VIP26 to receive an additional amount in your Local Currency, which will be added directly to the principal amount of your Payment Order (the “Bonus”).

To qualify for the Bonus, your Payment Order must have a minimum principal amount in your Local Currency. The required amount, as well as the corresponding Bonus amounts added to the Payment Order are listed in the Table of Minimum Amounts per Currency & Added Amount below.

This promotion is exclusively available to existing customers who have completed their second year or more since ordering their first Payment Transaction through the App or the Website.
The code may be used only once, and the Bonus applies to a single Payment Order per customer.

Please note that this Promotion may not be applicable in all countries. Availability of this Promotion depends on the country to which the money is sent, and Ria reserves the right to exclude certain jurisdictions at its sole discretion without prior notice. Customers can verify applicability by entering the code in the App or on the Website: if the App or the Website accepts the code, the Promotion applies; if not, the Promotion is not available for you and/or for that destination.

This promotion expires on January 31, 2027. Standard fees and charges may still apply.

RIAx5x1
Use the code RIAx5x1 to receive an additional amount in your Local Currency, which will be added directly to the principal amount of your Payment Order (the “Bonus”).

To qualify for the Bonus, the money transfer transaction must have a minimum principal amount in your Local Currency. The required amount, as well as the corresponding Bonus amounts added to the Payment Order are listed in the Table of Minimum Amounts per Currency & Added Amount below.

This promotion is exclusively available to existing customers who have completed their first year since ordering their first Payment Transaction through the App or the Website.

The promo code may be used only once, and the Bonus applies to a single Payment Order per customer.

Availability of this Promotion depends on the country to which the money is sent, and Ria reserves the right to exclude certain jurisdictions at its sole discretion without prior notice. Customers can verify applicability by entering the code in the App: if accepted, the Bonus applies; if not, the Promotion is not available for you and/or for that destination.

This promotion expires on January 31, 2028. Standard fees and charges may still apply.

Table of Minimum Amounts per Currency & Added Amount

WELCOME RIA – Stores and Agents

Use the code WELCOMERIA (the “Promocode”) at any Ria Money Transfer retail location in the Republic of Ireland (excluding digital channels, such as the Ria app or the website riamoneytransfer.com), to receive a 50% (fifty per cent) discount on the Customer Fee for your first money transfer transaction.

This promotion is available exclusively to new customers who have not previously completed a transaction with Ria Money Transfer. To benefit from the promotion, you  must explicitly mention the Promocode at the time of your first money transfer transaction. The Promocode may be used only once per customer and applies to a single money transfer transaction only. The Promocode is valid from 1 January 2026 at 00:00 until 31 December 2026 at 23:59 (Irish local time, including GMT/BST as applicable). Standard fees and charges may still apply.

This promotion cannot be combined with any other promotional offer, discount or promo code. We reserve the right to modify, suspend or cancel this promotion at any time. You are solely responsible for any personal tax implications and compliance with applicable laws regarding this promotion.

The general terms and conditions of the Ria Money Transfer Service also apply alongside these promotional terms (please visit www.riamoneytransfer.com/en-ie/retail-terms/).

New Customer Promotion 2026

50% Off Transfer Fee on Ria Money Transfers

Terms and Conditions

1. The Provider

These Terms and Conditions apply to the promotion offered by Ria Financial Services Limited, together with its affiliated entities involved in providing the Ria money transfer service (collectively referred to as “Ria”).

2. Eligibility

This Offer is open to residents of the Republic of Ireland aged 18 years or over who send a money transfer using Ria for the first time (“New Customer”) and who meet the Offer Criteria set out in section 3 below.

Employees, agents, officers, and directors of Ria, and members of their immediate families, are not eligible to participate.

3. Offer Criteria

The Offer applies to a New Customer’s first successfully completed money transfer made through Ria, where:

- The transfer is initiated at a Ria retail location in the Republic of Ireland (digital/online transfers are excluded);

- The promotion code “WELCOMERIA” is provided at the time of the transaction; and

- All applicable Ria service terms and regulatory requirements are met.

The Offer applies once only per New Customer and solely to the first eligible transaction.

Exclusions: Transfers to Ethiopia are not eligible for this Offer.

4. Offer Period

This Offer is valid from 1 January 2026 at 00:00 until 31 December 2026 at 23:59 (Irish local time, including GMT/BST as applicable).

5. The Offer

Eligible New Customers will receive a 50% discount on the transfer fee (“Customer Fee”) applicable to their first qualifying transaction.

Important:

- The Offer applies only to the transfer fee.

- Currency exchange rates may include a margin and are not affected by this Offer.

- The total cost of the transaction (including fees and exchange rate) will be clearly displayed before the transaction is confirmed.

6. General Conditions

- The Offer is non-transferable, non-exchangeable, and no cash alternative is available.

- The promotion code must be provided at the time of the transaction. Failure to do so will result in the Offer not being applied.

- Ria reserves the right to refuse, suspend, or withdraw the Offer where it reasonably suspects fraud, misuse, or a breach of these Terms and Conditions.

Ria may amend or withdraw the Offer where reasonably necessary due to circumstances beyond its control, including legal or regulatory requirements. Where possible, reasonable notice will be provided.

Ria is not responsible for:

- Incorrect or incomplete information provided by the customer;

- Delays in transfer availability caused by factors outside its control;

- Transactions that are delayed, suspended, or cancelled in accordance with applicable laws or Ria’s service terms.

7. Liability

Nothing in these Terms excludes or limits Ria’s liability where it cannot be excluded under Irish law, including liability for death or personal injury caused by negligence or fraud.

Subject to this, Ria will not be liable for any indirect or consequential loss arising from participation in this Offer.

Your statutory consumer rights are not affected.

8. Governing Law

These Terms and Conditions are governed by the laws of the Republic of Ireland, and any disputes shall be subject to the exclusive jurisdiction of the Irish courts.