Small World money transfer review November 2018 |

Review: Small World money transfers – November 2018

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Most any currency, any country, any method within minutes

Small World is secure and easy to use when sending money from the US to anyone in more than 80 countries. You’ll typically save money with low fees and strong exchange rates, making this an ideal choice if you’re in one of the states it services.

Product NameSmall World
Min. Transfer Amount$0
Max. Transfer Amount$0
Transfer Methods
Online, Phone, Cash Transfer, Agent, , ...
Transfer Options
Transfer Speed
Minimum transfer time
1 day
Customer Service
Phone, Chat, Email, Branch, ...
Available CurrenciesUSD
Exchange Rate UpdatesDaily

Flexibility and convenience with Small World

Many online transfer services limit you to bank transfers only. With Small World, you not only have the delivery options of bank account, cash pickup and mobile wallet, you can even opt for home delivery in some countries. Pay by bank account, credit or debit card, cash or PayPal.

No minimum or maximum transfers make it easy to send any kind of transfer, from mobile account top-ups to real estate purchases. And your recipient can get the funds the same day or within 24 hours for most transfers.

Our experience transferring money with Small World

Here’s what we found when we sent live transfers to Mexico and France through Small World:

  • money transfer awards logo-mobileSmall World offered low fees and competitive rates within 0.5% of the mid-market rate on average, with rates updated daily.
  • While Small World boasts no limits on your transfers, we weren’t able to send more than $9,999 to some countries. There might be a limit per transfer instead of a daily limit like most services.
  • We didn’t receive an ETA with our receipt, but our funds were deposited into our recipient’s French bank account within one day.
  • Small World’s easy-to-use website allowed us to sign up and initiate a transfer in an impressive 3.5 minutes. You also have the option of initiating a transfer by phone.

We recognize Small World Money Transfer as a winner of two categories in the Money Transfer Awards 2017: Most Convenient and Fastest Transfer.

How much will I pay to send money with Small World?

Small World makes its money from transfer fees and by padding the exchange rate for a profit.

Fees depend on where you’re sending money and how it’s sent and received. Online transfers are cheaper than bank-to-bank transfers. Similarly, it’s less expensive if recipients receive a deposit in their account than if it’s picked up in cash at a location. Cash transfers are the most expensive option.

Live chat is available online to tell you the exact fees of your transaction, and Small World often offers discounts for first-time users.

How are Small World’s exchange rates?

Small World boasts “the best rates in the market.” Because it specializes in one thing — international money transfers — you can typically get exchange rates that are close to the mid-market rate. When we recently sent live transfers to France and Mexico, our exchange rates were a respectable 0.5% of the published mid-market rates.

What types of transfers does Small World support?

Small World makes it easy to send money internationally through several transfer options.

  • Cash pickup. Designate a location for your recipient to pick up cash with a unique ID at one of 200,000 agents and branches worldwide.
  • Bank account deposits. Quickly send money directly to your recipient’s bank account.
  • Mobile wallet. Send money to mobile phones worldwide.
  • Mobile top-up. Top up any mobile number worldwide in most any currency.
  • Home delivery. Home delivery is available in some countries for a fee.

The pros & cons of using Small World


  • Accepts all currencies. Small World claims that it will accept all currencies out there.
  • Transfers in minutes, not days. Payments are typically delivered in 15 minutes.
  • Multiple transfer options. You can even transfer money to a mobile wallet.
  • Send any amount. No minimum or maximum transfer limits.
  • No additional fees for using a credit card. Unlike other providers, you won’t pay extra to pay by card.
  • Strong exchange rates. Get a better deal for your transfer, especially to the Philippines and Africa.
  • Reputable service. Small World is a trusted provider worldwide, with 52 million transactions under its belt.


  • Limited availability. Small World is licensed to provide services in 18 states only.

How do I send money with Small World?

You can send money through Small World’s website or mobile app, at one of its 11 branches in the US or through its call center.

Whether you log on, visit or call, you’ll go through a similar process.

2. On receipt of a confirmation email, you’ll finish registration with your date of birth, mailing address and government-issued ID, such as a passport or driver’s license.

3. You’ll then enter and confirm your recipient’s information.

4. Complete your transfer by entering and confirming your transfer and payment details.

For most transfers, your funds will be available to your recipient within 24 hours, but delivery speeds may vary depending on your recipient’s country and how you’ve paid for the transfer.

Tracking your transfer

With your transaction receipt, you’ll be assigned a unique money transfer number that you can use to track the progress of your transfer from Small World’s homepage. You can even pass it along to your recipient so they’re in the know.

Bottom line

Small World offers multiple options for quickly transferring money internationally. Accepting all currencies and transfers to more than 80 countries, it’s a great option for exotic currencies, flexible options and fast transfers.

But if you’re in one of the more than 30 US states it’s not licensed to provide services in, you’ll need to compare the fees, rates and details of other money transfer specialists.

Frequently asked questions

Kelly Waggoner

Kelly Waggoner is a senior editor with She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.

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