Review: Small World money transfers

A worthwhile option for exotic currencies, flexible options and fast transfers.


Fact checked
  • Good for superfast transfers and flexible payment options
  • Not so good if you’re looking for immediate 24/7 customer service

Expert review

Small World says it’s on a journey to make a big world small for its customers across the world. With a network of more than 250,000 pick-up locations across 190 countries, a multilingual team of agents and a vast range of payment options, it’s a worthwhile choice if you want flexibility and fast transfers. Exchange rates are competitive and fees are too, although they vary depending on how and where you’re sending the money.

Registration is free, although it took a bit longer than some of Small World’s competitors to get through the compliance process. But with its speedy delivery and many payment choices for both sender and recipient, Small World is worth considering.

Why should I consider Small World?

  • Fast transfers. Small World claims that 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.
  • Competitive exchange rates. Get a good deal for your transfer.
  • Reputable service. With over 100 million transactions under its belt, Small World offers a global service with multilingual support.

What to watch out for

  • No 24/7 support. The customer service team may take a while to get back to you and it’s not open on Sundays.
  • Potentially lengthy compliance process. It took a while for my ID to be confirmed in the registration process.

Small World’s exchange rates and fees

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 and cash transfers are the most expensive option. But it often offers discounts for first-time users, such as your first transfer for free.

Which currencies can I send with Small World?

Small World offers transfers to 190 countries, but some of the most popular currencies include:

  • COP Colombian peso
  • CUP Cuban peso
  • DOP Dominican peso
  • EUR euro
  • INR Indian rupee
  • NGN Nigerian naira
  • PKR Pakistani rupee
  • USD US dollar

Is Small World safe to use?

Small World is authorised by the Financial Conduct Authority (FCA) in the UK.

  • Part of the FCA’s regulation requires Small World to keep its customers’ funds separate from its own, in order to protect its users’ money if the company runs into financial difficulties.
  • It claims to handle more than 1 million transactions a month and have more than 15 million customers worldwide.

What Small World’s reviews say

  • Trustpilot: 4 out of 5 based on 5,705 customer reviews.

Reviews accurate as of 8 September 2020.

77% of these reviews were rated as “excellent” or “great”, while 17% were rated “poor” or “bad”. Complaints were mainly about slow customer service and slow transfers. Small World’s customer care team answers these complaints on Trustpilot.

Common money transfer scams and how to stay safe

Which payment methods does Small World accept?

You have a range of payment choices, including debit card, credit card, bank transfer, cash, Ideal, Sorfort and ACH.

What are the ways I can send money with Small World?

There’s also a huge range of choices for how you want your recipient to get the money.

  • Cash pick-up: Send money to over 250,000 pick-up locations.
  • Bank deposit: Transfer money to bank accounts in over 90 countries.
  • Home delivery: Get cash delivered to a home address.
  • Mobile top-up: Send mobile airtime.
  • Cash card reload: Top up a prepaid cash card.

What do I need to send money online through Small World?

To send money through Small World, you’ll need the following:

  • A Small World account. It’s free to register for a Small World account and should only take a few minutes.
  • Valid payment. You have the choice of paying for your transfer by debit card, credit card, bank transfer, cash, Ideal, Sorfort or ACH.
  • Recipient’s name and contact information. To make sure your transfer goes smoothly, have your recipient’s legal name, bank account information and contact information ready when setting up your transfer. The recipient will also need to bring their matching ID if they’re picking the money up.
  • Valid identification. This usually must include your photograph, your full name and date of birth. Typically accepted forms of ID include:
    • UK or international passport
    • UK driver’s licence

How do I make my first transfer with Small World?

Here’s how to make your first transfer online:

  1. Create an account. It’s free and quick to register and you’ll then have access to your online transfers dashboard.
  2. Arrange your transfer. Give your recipient’s legal name, bank account information and contact information, then choose which way you want them to receive the money.
  3. Pay for your currency. You can pay by debit card, credit card, bank transfer, cash, Ideal, Sorfort or ACH.
  4. Transfer complete. Small World will send your money to the recipient and you can opt to receive a payment confirmation as soon it has been sent.

You can also arrange the transfer over the phone on 020 7123 456 or in one of Small World’s 11 branches (1 in Birmingham and 10 in London).

Blue icon of forms

My experience with signing up

It was easy to sign up and upload the photo ID, but took a while for the ID to be confirmed through the compliance process.

How to track a Small World transfer

You can track your transfer throughout and see a history of previous payments by logging in to your account. You can also call the customer services team for an update.

Is there a Small World app?

Screenshot of Small World's app

Yes, Small World has an app on both Google Play and the App Store. The app lets you:

  • Transfer money quickly and simply
  • Track the status of your transfers
  • Access all the latest promotions
  • Get customer support in various different languages
Ratings collected on 8 September 2020
Apple App Store 4.6 out of 5 from 3,100 customer ratings
Google Play Store 3.8 out of 5 from 3,294 customer ratings

Check out other money transfer apps

How does Small World compare to other services?

Table: sorted by a combination of service offering and the amount your recipient will receive
The table below shows the fees and exchange rates that you can expect from other money transfer specialists. Compare Small World with the other providers to see if it’s the best option for you for sending money abroad.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 2,000 1 day GBP 0.00 1.109 EUR
Get bank-beating exchange rates and no fees when you transfer with TorFX. Go to site Show details
GBP 5,000 Same day GBP 0.00 1.109 EUR
Universal Partners FX offers competitive exchange rates and same-day transfers for 100+ currencies. Go to site Show details
GBP 1,000 Same day GBP 0.00 1.109 EUR
SpartanFX offers fee-free transfers, a best exchange rate guarantee and personalised one-to-one support for every customer. Go to site Show details
GBP 2,000 1 day GBP 0.00 1.109 EUR
Make transferring money abroad as simple and safe as possible with bank-beating exchange rates - online, via the app or over the phone. Go to site Show details
GBP 5,000 1 day GBP 0.00 1.109 EUR
Take advantage of fee lock-ins and live bookable rates, helping you save up to 85% in hidden bank fees. Go to site Show details
GBP 2,500 Same day GBP 0.00 1.109 EUR
Central FX’s dedicated private client team will guide you through the money transfer process from first call to final payment. Go to site Show details
GBP 1 Same day GBP 0.00 1.109 EUR
Whatever amount you transfer, XE will not charge you a fee for using their service. Go to site Show details
GBP 10 Within an hour GBP 1.99 1.099 EUR
Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
GBP 5 2 days EUR 3.00 1.108 EUR
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
GBP 10 Within an hour GBP 2.00 1.108 EUR
First two transfers free for new customers.
Instant or 1 hour transfers to over 50 countries, send money directly to bank accounts or over 280,000 cash pickup points.
Go to site Show details
GBP 50 Same day GBP 2.99 1.102 EUR
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Bottom line

With its fast delivery and many payment options, Small World is worth considering. But because there are many money transfer alternatives out there, it’s worth shopping around first – use our guide to compare the fees, rates and details to find the best one for your transfer.

Frequently asked questions

Does Small World offer business transfers?

Yes. Online and via the app, just specify your beneficiary type as “business” when setting up its details. In a branch or over the phone, just tell the agent that the recipient is a business or company and not an individual.

How do I contact customer support?

You can call the customer support team on 020 3198 0387 between 9am and 7pm on Mondays to Fridays and on Saturdays from 9am to 4pm. Alternatively, you can contact it via email, Facebook and live chat.

How can I cancel my Small World transaction?

To cancel you need to contact the customer service team as soon as possible. If it can be cancelled you’ll get a refund between three and five days later. Also, a money transfer will be automatically cancelled if it’s not paid 48 hours after being created.

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