Comparison

PayPal vs Ria Money Transfer

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

Ria Money Transfer

Send money internationally with ease and security. This app allows you to transfer funds to over 190 countries, offering competitive exchange rates and multiple delivery options. Track your transfers and manage your transactions efficiently.

Highlights
  • International money transfers to 190+ countries
  • Cash pickup, bank deposit, mobile wallet, or home delivery
  • Debit card, bank account, or credit card transfers
  • Instant money transfer capability
  • Track transfer progress
  • Currency converter
  • Repeat transfers with Send Again
Features
Currently charting
Read full description

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

Screenshots

PayPal4 screens
Ria Money Transfer4 screens

Verdict

The call

PayPal and Ria Money Transfer both sit at 4.8 stars, but that hides the real split: 58% of Ria Money Transfer's written reviews are positive against 21% of PayPal's. Ria Money Transfer also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). PayPal's advantage is ratings volume (6.3M vs 302K) and chart position (#5 vs #124). On price, rating, update cadence and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for Ria Money Transfer. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 302K, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 58% of Ria Money Transfer's.

UpkeepUpdate frequency

PayPal ships an update weekly, Ria Money Transfer every 8 days. Both last shipped on November 1, 2026.

Scorecard7 real differences · 4 level
PayPal versus Ria Money Transfer: the parameters behind the verdict, then further details
ParameterPayPalRia Money Transfer
PriceFreeFree
Rating4.8 (6.3M ratings)4.8 (302K ratings) — better
Positive reviews20.7% of reviews58.2% of reviews — better
Number of ratings6.3M — better302K
Update frequencyWeekly — betterEvery 8 days
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#5 — better#124
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size799 MB289 MB
Age rating4+4+
DeveloperPayPal, Inc.Ria Envia Inc.

Customer experience

PayPal

All ratings6,299,201 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews6,050 reviews
Positive20.7%
Neutral5.1%
Negative74.1%

Ria Money Transfer

All ratings301,810 ratings
Positive96.5%
Neutral1.3%
Negative2.1%
Written reviews1,726 reviews
Positive58.2%
Neutral3.4%
Negative38.4%

User reviews

PayPal

From 6.3M App Store ratings

What we love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 Overly automated with lack of human interaction

Ria Money Transfer

From 302K App Store ratings

What we love

  • 🚀 Fast and efficient
  • 💰 Good exchange rates
  • ⚡ Instant money transfers
  • 🔒 Secure and reliable
  • 👍 Easy to use app

Room to improve

  • 🕰️ Delays in processing transfers
  • 🤖 Poor customer service
  • 🔒 Strict verification requirements
  • 🚫 Accounts being blocked or closed
  • 💰 High fees and charges

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

Ria Money Transfer

Reported bugs

3 issues
  • App crashes and login issues
  • Incorrect information displayed
  • Delayed or failed money transfers

Requested features

3 requests
  • Option to delete past transaction history
  • Increase daily/monthly transfer limits
  • Improve in-app support and communication

In-app purchases

None

PayPal

No in-app purchases

None

Ria Money Transfer

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Ria Money Transfer free?
Ria Money Transfer is free to download, with no in-app purchases.
Which has better reviews, PayPal or Ria Money Transfer?
Ria Money Transfer is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Ria Money Transfer averages 4.8 from 302K ratings.
Do PayPal or Ria Money Transfer have ads?
PayPal shows ads; Ria Money Transfer does not.
Which is updated more often, PayPal or Ria Money Transfer?
PayPal ships an update weekly, and Ria Money Transfer every 8 days. Most recently, PayPal was updated on November 1, 2026 and Ria Money Transfer on November 1, 2026.
Which is more popular, PayPal or Ria Money Transfer?
PayPal currently peaks at #5 in the App Store charts, and Ria Money Transfer at #124. Chart position reflects recent download velocity rather than total install base.

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