Send money to Peru

If you have friends and family who live in Peru, you may wonder how to send them cash safely. Having a trusted way to transfer money now can make it easier for your loved ones to receive money whenever needed. 

Do your research now on these common ways to send money. Ultimately, your choice depends on your time requirements, location, and how you want to fund the transfer.

• International bank transfer: If you and the person in Peru both have a bank account, you might consider this secure transfer method. In addition to special international bank account numbers (known as IBAN), you'll need SWIFT/BIC codes and some verification details. While international bank transfer is reliable, it also takes some time. Depending on the day you initiate the transfer and each bank's policies, it can take a few days to have the money in hand.

• International money order: If you've ever purchased a money order at a store, bank, or post office, you know this is an easy and cheap way to send money. However, these paper checks have their drawbacks, such as relying on slow mail services. If you want it there quickly, you may have to pay high fees.

• Money transfer agents: A traditional money transfer agent can get your money to the Peruvian destination quickly, but the rates are typically higher. They may not have the best currency conversion rates, either, making this an unaffordable option for those on a budget.

• Ria: For those seeking a balance between speed, security, fees, and convenience, Ria money transfer may be the wisest choice. Not only can it be done from a desktop or mobile device, but several physical retail locations can accept cash for transfers that can be completed in as little as 15 minutes. For those with or without a bank account, this offers low, transparent fees and a competitive transfer rate to Peruvian currency, the sol.

Using Ria allows you to pay in several ways, including your bank account, credit or debit card, and cash. Your friend in Peru can get their money however they choose, including directly in their mobile wallet.

It can take anywhere from a few minutes to five business days to send money to an overseas location — including Peru. However, how long it takes depends on several factors, such as:

1. Transaction type

2. Payment method

3. Where you’re sending money from

4. Whether Ria requires additional information for security purposes

5. When you initiate the transfer

Some currencies or transfer methods are only available during local business hours. If you set up a Peru remittance outside of typical business hours, on a holiday, or on the weekend, you could experience delays.

If you’re looking for the fastest way to send money to Peru, you may want to use a debit or credit card for your transaction. These methods may incur additional fees, so be aware of that. However, they also typically finalize the same day they’re completed — sometimes within minutes -meaning your recipient could have the money almost immediately.

And if time isn’t a concern, consider setting up a bank transfer instead. This option usually takes three to five business days and comes with fewer fees.

The cost of sending money to Peru depends on several key factors, such as:

1. The payment method you use

2. The payout method (that is, the way your intended recipient gets the money)

3. Transfer amount

4. Currency exchange rates

Bank remittances are usually the cheapest option, while credit and debit card transfers can come with additional fees. This is especially true with credit card payments, as some credit card companies will charge extra. Keep in mind, though, that international money transfers usually come with certain charges — regardless of how you go about it.

As an international remittance service, Ria strives to keep our rates and fees as low as possible on money transfers to Peru and other countries. We do that by working with financial institutions worldwide to get you the lowest possible fees and best exchange rates. At times, we also have promo codes to cut down on some of the more unavoidable fees.

The overall transfer amount includes all fees. If you want to see the cost of sending money to Peru, here are your options:

1. Before you complete the transfer (but after you’ve logged into your account): You can see what it costs to send money to Peru via the app or website. Simply log into your account and go to “Send” or “Send Money.” Then, select your destination country, how much you want to send, your payout currency, and your payment and delivery methods.

2. Before you initiate a transfer (without logging in): You can go to Ria’s website for an estimate of what it will cost.

Both options can help prevent you from being surprised by any fees or charges associated with sending money overseas.

We offer several ways to track your money transfer to Peru, but the easiest option is to use our Track a Transfer tool, which provides real-time updates of your transfer — no matter where you are.

Here’s how to use this free online feature:

1. After logging into your Ria account: Once logged in, choose “Track” (from the app) or “Track a transfer” (from the website). Then, input the transfer’s unique personal identification number (PIN) to see its status.

2. Without logging into your Ria account: If you don’t have a Ria account, you can still use the Track a Transfer feature. You’ll still need the unique PIN, however. This enables both the sender and recipient to see the transfer status at any point.

Two things are worth noting.

1. If you reside in Australia, you must also provide your birth date and recipient’s country (Peru) to track the transfer.

2. As the sender, you’ll also receive emailed updates regarding the transfer’s status and any major changes.

There are several ways to send money to Peru safely and efficiently. Which method is the best for you is a personal decision — it all comes down to how fast you need the Peru money transfer to arrive, how you want your friends and family to receive it, and how you want to pay.

Bank transfers: You can use your bank to transfer money to a bank in Peru through an international wire transfer. With this method, there’s no cash involved — you simply instruct your bank to send money to your recipient’s bank account. 

To complete a wire transfer through your bank, you usually must provide your recipient’s name, address, contact information, and banking information. This includes their international bank account number (IBAN) and their bank’s SWIFT/BIC code. 

There are several drawbacks to using a bank transfer to send money to Peru. For one, both you and your recipient need to have bank accounts at institutions that allow international transfers. 

For another, they’re typically expensive. Some banks charge as much as $50 for the convenience of an international wire transfer to the sender. And a few charge a fee to the recipient as well. In addition, your bank may limit the amount of money you can send through this method.

Money transfer agents: Traditional money transfer agents allow customers to send money abroad using cash. These agents usually have offices you can visit to fund the transfer with cash. Your recipient can then visit the transfer agent’s office closest to them and receive the money as cash. 

Of course, one of the main drawbacks of using this method for sending money is that your recipient must live near a transfer agent’s office. Another is the fact that these agents sometimes have complicated pricing structures, and fees and exchange rates can vary widely.

Money orders: Sending an international money order is similar to sending a check through the mail. You can buy a pre-paid money order certificate from your local post office or bank and then send it directly to your recipient via international mail. They can then redeem the certificate for cash.

There are several big disadvantages to this money-sending method, mainly that it’s expensive and slow. 

Online money transfer services: Online money transfer services such as Ria make it easy to send money to Peru and more than 165 other countries around the globe. Ria charges no sneaky hidden fees, so your Peru remittance will go further. 

Ria also offers great exchange rates and allows you to send money through our convenient mobile app or any of the 500,000-plus participating locations. Ria offers a quick alternative to other money-sending methods. Many transfers arrive within minutes. Send money with Ria now. 

Signing up for an account with Ria is easy. The exact steps you’ll take vary depending on your location and whether you want to use the app or website.

Create a Ria account via the app in the US or Canada:

1. Download the Ria app and tap the “Register” button.

2. Confirm your current country. 

3. Enter your email address and choose a password.

4. Agree to Ria’s Terms and Conditions.

5. Enter your full name, date of birth and phone number, then tap “Continue.”

6. Choose to subscribe to receive promotions, discounts, and other special offers or tap “Not now” to opt out.

7. Enter your mailing address and tap “Continue.”

8. Select and answer three security questions to protect your account.

Create a Ria account via the app everywhere else:

1. Download the Ria app and tap the “Register” button.

2. Confirm your current country.

3. Enter your phone number and verify it by entering the 6-digit code we send you.

4. Choose a password.

5. Agree to Ria’s terms and conditions.

6. Enter your full name, email address, and date of birth (we may also ask for your country of birth, nationality, occupation, and ID information).

7. Tap the “Continue” button.

8. Choose to subscribe to receive promotions, discounts, and other special offers or tap “Not now” to opt out.

9. Enter your mailing address and tap the “Continue” button.

Create an account via the website:

1. Visit riamoneytransfer.com.

2. Click “Register” in the top right-hand corner of the screen.

3. Choose your country of residence.

4. Click “Get started.”

5. Enter your phone number and the security code we send to your phone.

6. Choose a password. 

7. Enter your first and last name, date of birth, and email address.

8. Select whether you’d like to receive marketing messages from Ria.

9. Enter your address.

Since there are many ways to transfer cash, the required information varies, too. Whatever method you choose, make sure you have all the essential contact details from your friend in Peru before you start the transfer. This makes things easier and avoids unnecessary delays while ensuring fewer mistakes and a secure arrival.

If you use Ria to send money, be sure you have the following information handy:

• The recipient’s full name as it appears on their government-issued photo ID

• The location where the recipient lives (city and province)

• The total amount of cash you are sending

• Your payment details, such as how you will fund the account (banking or credit card account numbers)

• Recipient payout information, such as their bank account, digital wallet number, or pickup location

• Phone number (in some cases)

If you’re in the USA or Canada, you can set up a Peru money transfer from the Ria app or website. Start by signing into your existing account or create a new one if you don’t have one. If you haven’t verified your phone number or set up your online profile yet, you can do that now.

Since this is your first money transfer to Peru, you’ll need to add a new recipient to your account — that is, the person who will receive money in Peru. Adding a recipient is easy. Just provide basic information about them, such as their name, current location, and phone number. If you want to transfer money to their bank, input their bank account details as well.

Once you’ve added a recipient to your account, you can decide how much money to send them — either in your currency or theirs. At this point, you can also select the payout method. Remember, each payout method comes with its own advantages and fees.

With that done, simply choose your payment method for the Peru remittance. You can add a new payment method to your account on the website or the app.

Once you’ve completed that first transfer, the process becomes even easier as your recipient’s basic information is saved to your account. Ria doesn’t store your recipient’s bank account information, however, so you will need to input that again.

Some money transfers go through within minutes of setting them up. However, you might have to wait a few hours or days before your transfer is complete.

That’s where tracking your transfer comes into play. You can use the Track a Transfer feature for status updates on your Peru remittance. You’ll just need the PIN, which you can find in your account or the confirmation email you received after scheduling the transfer. Your recipient can also use this tool.

A standard money transfer to Peru doesn’t take very long to complete, though it depends on the payment and payout methods. If you’ve chosen a debit or credit card transfer, your recipient should receive money in Peru within minutes. A bank transfer, on the other hand, can take several business days to complete.

Certain factors may delay your transfer. For example, if you set up the transfer outside local business hours or on a holiday or weekend, it might take a little longer. In some cases, Ria will also request additional information from you for security purposes, which could cause additional delays.

Senders and recipients can use Ria’s Track a Transfer feature for real-time transfer updates. All you need is the transfer’s PIN and order number.

Senders can also use the Ria app to track the transaction — just tap the “Track” option. In addition, senders will be notified by email when their recipient has picked up or received the money — or if there’s another major status change.

No matter your city or province, there's a way to get money safely in Peru using the Ria money transfer service.

• Bank transfer: Provide your bank account number, account type, and the bank’s SWIFT code to the person sending the money. If you don’t know it, ask your bank before having your friend start the money transfer.

• Cash pickup: Ria offers convenient physical locations across Peru. You can find the nearest one and have the cash sent there for pickup. Just let the person sending money know where you would like to receive it and the name listed on your ID. You’ll need this same ID — and the transfer PIN — to get your cash.

• Mobile wallet: Peru residents have another fast and convenient option to get funds: the mobile wallet Yape. Make sure to give the sender your mobile wallet number.

The options available to you depend on the country you are sending money from and whether you use a mobile device or the desktop version of Ria’s money transfer service.

For website users, you can pay using:

• Bank transfer (U.S.)

• Cash (U.S.)

• Debit or credit card (Australia, Canada, Spain, the U.K., or the U.S.)

Ria mobile app users have the following options:

• Bank transfer (U.S.)

• Cash (U.S., Malaysia, or Singapore)

• Debit or credit card (Australia, Canada, Europe, Malaysia, the U.K., or the U.S.)

• Fintoc or Sencillito (Chile)

• Klarna (Austria, Germany, or Spain)

• Bancontact (Belgium)

• Giropay (Germany)

• iDEAL (Netherlands)

• PayID (Australia)

• FPX (Malaysia)

Refer to the full list of all payment methods for more information.

Unfortunately, you can't use Zelle to send money to Peru.

That's because Zelle currently works only with bank accounts based in the U.S. There's no way to make a money transfer to an international account. Both the recipient and the sender must have U.S.-based checking or savings accounts — as well as U.S. phone numbers.

Instead, consider using an online money transfer service like Ria. Ria is quick, safe, and convenient. We offer great exchange rates, low fees (with no hidden charges), and a variety of payment and pickup options — all from our website or mobile app.

Ria serves customers in more than 165 countries — meaning sending money to or receiving money in Peru is a breeze. You don't even need to have a bank account to use Ria — unlike with Zelle. Send money now with Ria. 

Currently, you can't use Venmo to send money to Peru. That's because only U.S. residents can use the app to send or receive money transfers.

Venmo may not work with international accounts. But Ria serves more than 165 countries around the globe — including Peru. Ria makes sending money internationally simple, quick, and secure. Your recipient in Peru could get the money transfer in as little as 15 minutes if you use Ria. Plus, there are no additional fees.  You are fully aware of all costs and the amount of Peruvian dollars your recipient will get before you even complete the transfer.

Send money now with Ria.

Visit any Ria location, use our website, or log into our mobile app to send money directly to your recipient’s bank account in Peru. All you need is:

1. The recipient’s full legal name (as it appears on their bank account)

2. The name of the recipient’s bank 

3. The recipient’s bank account number or IBAN (international bank account number)

Ria will take care of the rest!

Hands down, sending money via electronic transfer is the safest way to send money to Peru.

In the old days, it was common for people to send remittances by mailing cash. Not only does this method take a long time (they call it “snail mail” for a good reason), but it’s also just not safe. The mailed money could get stolen or lost at any point during its long journey.

Instead, using an online money transfer service like Ria ensures that your money gets exactly where you intend it to go. 

In addition, Ria’s team of world-class security experts works around the clock to monitor your money transfers and keep a watchful eye out for unusual behavior. Ria’s software allows the team to spot any suspicious activity long before any harm can be done to your account.

Plus, Ria never stores your payment details on its servers. So, your credit or debit card or bank account information will never be compromised in Ria’s system.

Your safety is Ria’s number one priority when sending money to Peru.

If you want to get cash to someone living in Peru, you have many options:

• International bank transfer: This option is safe and somewhat affordable, but it can take a few business days for the money to arrive and be available in your friend’s account.

• International money order: You must first buy a paper check to send through the mail, which can be costly and slow compared to other digital methods.

• Third-party money transfer agent: This is another solution for those wanting a fast and secure method of sending money. It’s not the cheapest, however, and high fees plus the variable exchange rates may leave less money for the person in Peru.

• Ria: With safe and convenient funding and payout methods, Ria may be the most flexible. It offers low fees and a great exchange rate, too. Whether your friend has a bank account or not, they can access cash in as little as 15 minutes from locations across the globe.

Many people use Ria, and it takes just minutes to get started. Depending on whether you access it from a desktop or mobile device, the process will look similar to this:

1. Create a free Ria account. You'll be asked for your first and last name, birth date, and current contact information. Where you live determines if you'll need to provide additional details.

2. Tap the “Send money” or “Send” button.

3. Choose “Peru” from the list of countries to send money to.

4. Type in the amount of money you want your friend or family member to receive in Peru. You’ll be shown the current currency exchange rate and the fees for sending money. Ria is transparent about what you’ll pay, so there will be no surprises! Choose how you will pay. Pick between a credit card, debit card, or your bank account. If you prefer to send cash, you can visit one of many Ria locations near you to complete the transaction.

5. Pick how you want the receiver to get their money. Be sure to ask them first, but once you know how they would like to receive cash, you can include this information in the payment. This may be a physical retail location for cash pick up in Peru or their checking or savings account number. If they prefer to get money to their mobile wallet, they can also opt for that. Just be sure to get their phone and mobile wallet account numbers for later.

6. Click “Continue.”

7. Enter the recipient’s full, legal name as it appears on their government-issued photo ID. They will need that to match when they pick up their money or to receive it into an account. You may also be asked for the city and province where they live.

8. Choose any additional pickup information, whether it’s their cash pickup location or mobile phone number. If they opt to have the money put into their bank account or their mobile wallet, you'll need those account numbers.

9. Enter your payment information. Now, you can add the details of your funding, whether that's a bank account number or a credit or debit card number.

Your transfer is almost done! Once you have confirmation that it has been started, the recipient will be notified when the money is available. For some transfers, this can happen in as little as 15 minutes.

Ria money transfer is a seamless, safe, and affordable way to get money from where you live to Peru. Low fees ensure they get more of the money you send, and exchange rates are updated frequently to give you the best value. Because Ria can be used from a desktop or mobile device, it’s extremely convenient for even those on the go. Friends and family without a bank account can receive cash, too, thanks to participating local retailers.