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The short answer
If a Ria transfer to Nigeria is cancelled before it is delivered, Ria refunds bank and card payments automatically to the original payment source; cash payments need a refund form. If Ria rejects an order it takes no payment and does not charge the fees, though a card hold can take a few business days to drop off. Ria's help pages do not say a refund is adjusted for exchange rate moves, so if you resend you will get the rate on the day you resend.
Cancelled by you or by Ria
There are two different situations, and Ria's help centre (read October 2026) treats them differently.
| Situation | What Ria says happens to the money |
|---|---|
| You cancel a transfer that has not been delivered | Eligible for cancellation and refund; bank and card payments refunded automatically to the original payment source |
| Ria or a pickup location rejects the transfer | You get an email asking whether to resend or cancel and request a refund |
| Ria rejects your order at the review stage | No payment taken; the fees you paid are not charged; a card hold may take a few business days to clear |
| The transfer has already been paid | Cannot be cancelled |
How to cancel
Ria's "How do I cancel my money transfer?" article (updated 8 October 2025) gives these routes:
- App: open Home, select the transfer, choose Cancel Transfer on the Transfer details screen and give a reason.
- Online: log in, select the transfer on the Activity screen, click Cancel and submit.
- Chat: ask Ria's assistant, Aria, to cancel.
- In-person transfers: contact Customer Care.
For bank deposits, Ria first checks with the correspondent bank. If the bank confirms the transfer has been paid, Ria cannot cancel it.
How the refund reaches you
Ria's "How do I request a refund" article says card and bank account payments are refunded automatically to the original payment source after cancellation. Cash payments need a refund form, returned by email (in the US with a voided cheque for an ACH refund). Ria points to a separate page for how long each payment method takes; we did not find a figure on the pages we read, so check that page in its help centre.
When it was rejected rather than cancelled
Ria's "Why was my transfer canceled or rejected?" article (updated 14 October 2024) says that if an order is rejected, Ria has not taken payment from you and won't charge the fees. A card payment may still show as a pending hold with your bank; it can take a few business days for the bank to release it. Ria lists reasons for rejection including a card billing address that does not match your Ria account, payment not received in full (cash within 24 hours), missing information not supplied in time, and patterns that match fraud. Its help on releasing a transfer says a transfer that needs information cannot be released without it, and is cancelled if you do not respond in time.
If the money has already been deposited
Ria's cancellations section has a separate article for a transfer that has already been deposited into the recipient's account, which tells you it is a different case from a pending one. Once a Nigerian bank has credited the account, Ria cannot simply pull the money back; recovery depends on the recipient agreeing to return it. If you sent to the wrong person, contact Ria at once with the transfer details, and ask the recipient's bank for help through Ria rather than approaching strangers yourself.
The exchange rate on a refund
Ria's cancellation and refund articles do not say that a refund is adjusted for exchange rate changes, and the bank-and-card refund goes back to the source you paid from. So expect the refund in your own currency, as paid. If you then resend, the new transfer uses the rate on the day you resend, which may be better or worse.
Worked example
Example, with made-up rates: on Monday you pay $300 to send naira to your cousin at ₦1,480, so ₦444,000. The transfer is rejected because your card's billing address differs from your Ria profile. No fee is charged and the hold on your card drops off later in the week. On Thursday you fix the address and resend $300 at ₦1,500: ₦450,000 arrives, ₦6,000 more. Had the rate moved the other way, say to ₦1,460, ₦438,000 would arrive.
What to do now
- Check the status in the app or online.
- If it was rejected, read Ria's email for the reason and fix it (address, information, payment).
- Watch your bank or card statement for the refund or the hold dropping off.
- Resend only once you are sure the first transfer is cancelled, so you do not pay twice.
- If you think the rejection was a mistake, Ria's help centre has an appeal route.
For the general picture across providers, see cancelling a transfer to Nigeria and how Ria pays out in Nigeria.
Where Pryme fits
With a Pryme account you can hold dollars, pounds or euros until the moment suits you, then convert with Swap; the app shows the rate and the fee before you approve.
Questions people ask
How long does a Ria refund take?
Ria refunds bank and card payments automatically to the original source after cancellation and points to a separate page for timings by payment method. Card holds from rejected orders can take a few business days to drop off.
Do I get my Ria fee back if the transfer is cancelled?
If Ria rejects the order, it says it won't charge the fees. Its cancellation article does not say whether fees are refunded when you cancel.
Can I cancel a Ria transfer to a Nigerian bank?
Only if it has not been paid. Ria checks with the correspondent bank first and cannot cancel if the bank confirms payment.
Will I get the same exchange rate if I resend?
No. A new transfer uses the rate on the day you resend.
Sources
- Ria Help: How do I cancel my money transfer? · accessed Oct 2026
- Ria Help: How do I request a refund · accessed Oct 2026
- Ria Help: Why was my transfer canceled or rejected? · accessed Oct 2026
- Ria Help: Information needed to release a transfer · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.