Ria Money Transfer vs Cirkkle

The Ria Money Transfer app is the best way to send money to family and friends worldwide. Get exclusive rates and a $0 fee on your first transfer with code Helloria, terms and conditions below.* Money transfers around the world have never been easier or safer than inside the Ria Money Transfer app. Trusted in the remittance business for 35+ years, millions of customers have relied on Ria to safely deliver over a billion transfers globally. Download the app today and let Ria Money Transfer help you get money to where it needs to be, no matter the distance. RIA MONEY TRANSFER FEATURES: INTERNATIONAL MONEY TRANSFER - Send money to Mexico, India and over 190+ countries and territories worldwide - Send cash to over 500,000 cash pickup locations around the world - Transfer money using your debit card, bank account, or credit card** EASY, FAST & SECURE - Transfer funds quickly with instant money transfer - Send money from start to finish in a few minutes - Choose your money delivery method: cash pickup, bank deposit, mobile wallets, or home delivery*** - Repeat money transfers you send often with our Send Again feature - Track your transfer’s progress with our Track a Transfer feature CURRENCY EXCHANGE - Use our currency converter to check the exchange rate from USD to currencies from around the world - Our fraud & security team will ensure your money & transactions are as secure as possible. *Terms and conditions for new customer promotion: Terms and conditions vary depending on the send location. The promo code HELLORIA must be quoted at the time of checkout when the money transfer order is placed. The promo code can only be used once per customer and cannot be combined with any other promo code. Offer is valid for use on money transfers when using the Ria mobile application, or the Ria website. When sending from the US, Canada, Chile, New Zealand, and Australia, a minimum sending amount of 50 (in the selected currency, exclusive of any customer fee or other costs relating to the transaction) is required to apply the HELLORIA promo. When sending from Malaysia, a minimum sending amount of 100 (in the selected currency, exclusive of any customer fee or other costs relating to the transaction) is required to apply the HELLORIA promo. No minimum send amounts required when sending from Spain, the UK, Belgium, Sweden, France, Germany, Italy, Norway, Austria, Ireland, Lithuania, Netherlands, Poland, Portugal, Switzerland, Denmark, and Finland. US: Dandelion Payments, Inc. – 7000 Village Dr. Ste 200, Buena Park, CA 90621, USA; UK: Euronet Payment Services Ltd. – Part 7th Floor, North Block, 55 Baker Street, London, United Kingdom, W1U 7EU; EU: Ria Lithuania UAB – Ukmergės g. 126, LT-08100, Vilnius, Lithuania; CH: Ria Financial Services GmbH – Langstrasse 192, Zurich, Switzerland 8005; CA: Ria Telecommunications of Canada Inc – MZ400-1000 RUE De la Gauchetière O Montreal Québec H3B0A2 Canada CL: Ria Chile Servicios Financieros SPA – Av. Libertador Bernardo O' Higgins 1449, Torre 4 Oficina No. 1502 Santiago, Chile; MY: IME M SDN BHD – Unit 38-02 Level 38, Q Sentral 2A, Jalan Stesen Sentral 2, Kuala Lumpur Sentral, 50470, Kuala Lumpur, Malaysia SG: Ria Financial Services Singapore PTE. LTD. – 152 Beach Road #19-01/02, Gateway East, Singapore 189721 AU: Ria Money Transfer, INC. – Level 1, 75 Castlereagh St. Sydney, NSW. 2000

Cirkkle is the digital tontine (savings circle) built for the African diaspora in France. Save with people you trust—simply, transparently, and securely—without the hassle of chasing payments or managing spreadsheets. What you can do - Create or join a tontine in minutes (family, friends, associations, community groups) - Contribute and receive automatically through your Cirkkle Wallet - Track everything in real time: members’ status, payments, payout turns, and history - Reduce disputes with clear rules and full traceability - Get automatic reminders before each due date to avoid late payments Why the diaspora uses Cirkkle - Trust: verified identities and stronger protection against scams - Simplicity: no more spreadsheets, screenshots, or endless follow-ups - Transparency: everyone sees the same information at the same time - Community: collective saving to support projects in France and back home in Africa What it’s for Emergency savings, back-to-school expenses, weddings, travel, housing, family projects, community support… A tontine is structured saving—keep the “as it’s always been” spirit, with modern tools. Security & compliance Identity verification and anti-fraud checks Transaction monitoring and full activity history Human support (questions or need help? We actually reply)