Small World - Independent review

All you need to know before sending money with Small World

One of the largest money transfer networks with a global coverage Wide range of payment options (cash, mobile wallet, bank accounts)

7.50/10 Good
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Small World review by Monito

Small World Financial Services is a money transfer company operating under different brand names (UNO, Express Funds, Global Link, Choice, Swiss Transfers, LCC, Universal de Envíos) from more than 20 countries (mostly in Europe, the United States and Canada) and allowing you to send money to 183 countries.

You can transfer money from their online platform, by using their mobile app (available for iOS and Android), over the phone, or at one of their affiliated agent locations. They are one of the few money transfer companies able to send money to that many countries and also offer a variety of options to receive the money (cash pick-up, deposit to bank account and mobile wallets, and airtime top-ups).

The website of Small World FS can be a bit confusing and difficult to navigate, and their customer support aren’t always prompt to answer questions. The information isn’t always presented in a clear fashion.

Small World FS is a particularly interesting solution to send money to countries where the only other options are banks or traditional money transfer operators, as they can offer better rates and lower fees. For countries for which other online money transfer operators are available, Small World FS exchange rates and fees may not be as competitive and it may be cheaper to use different services.

Small World FS has 4 out of 5 stars on Trustpilot, with a good 7.9/10 score from more than 2000 reviews. While almost 60% of customers give Small World FS a 5 star rating, 15% of reviewers are disappointed in Small World FS services and give them 1 or 2 stars only. Small World FS customer service agents answer almost all negative reviews on Trustpilot to try and help their users.

  • Many customers are very happy with the service of Small World FS and loyal to the company
  • Fees and exchange rates are often better than banks or traditional money transfer operators
  • The speed of the transactions is a positive aspect often mentioned in the reviews
  • Some users had issues with their transfers due to the length of the compliance process
  • A few customers experienced delays in their transfers
  • Customer support sometimes isn’t very responsive, especially on the live chat support

Send money with Small World

Can I trust Small World?

Small World FS is one of the largest money transfer companies in the world, with more than 450 employees.

The different entities of the company are all regulated by the financial authorities of the country they operate in.

Small World’s website is secured with SSL encryption, which means it’s safe to transfer money online from their platform.

How Small World works

1. Check the rates for the country you want to send money to and create an account on the Small World FS website

2. Enter the beneficiary’s information.

3. Make the payment to Small World FS (by bank transfer, or by debit or credit card in the UK)

4. Send the documents asked by the compliance team if needed

You can also send money at an affiliate store or agent location, where you can pay by cash, or through their call centers.

Small World FS’s regional brands

Small World FS was founded in 2005 by Nick Day (the company’s current CEO), Michael Kent (current CEO of Azimo) and three other co-founders. Today, the company encompasses different brands in different countries:

Small World Choice

Canada, USA and Spain

Small World Express Funds

United Kingdom

Small World Global Link

United Kingdom

Small World LCC

Belgium, Ivory Coast, Germany, France, Ireland, Luxembourg, Netherlands, Portugal and United Kingdom

Small World Swiss Transfers


Small World Universal Envios


Small World Uno Money

Spain and Italy

These different brands can sometimes be confusing, but the local entities (which in most cases were once independent companies which were acquired by Small World FS) are less relevant if you want to transfer online, as their digital presence is unified under the Small World FS brand.

Which documents will Small World  require to verify my identity?

To comply with the anti-money laundering laws, you will be requested to provide documents to verify your identity.

Identification Documents

Government issued identity card, passport, full driving licence or resident card.

Proof of adress

Any Government issued identity card, passport, full driving licence or resident card which has your complete current address or a utility bill which is not more than 3 months old.

Proof of Funds

You may be requested to submit document showing the proof of funds (like bank statement) by the Compliance team.

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Key facts about Small World

Service information

Time to open an account A few minutes
Pay-in options Debit card
Bank Account
Pay-out options Cash
Bank account
Airtime top-up
Mobile wallet
Minimum amount No
Maximum amount Depends from countries
Available languages
Personnal transfers Yes
Business customers No
Advanced currency contracts No
Required documents ID, Proof of Address, Proof of Funds
iOS app Yes
Android App Yes

Company information

Type of service provider Global money transfer operators
Active since 2005
Headquarter London
Jurisdiction Canada/Italy/Portugal/Spain/Switzerland/United Kingdom/United States
Regulated by FCA

Contact information

Contact support -
Service hour Business Hours
Phone 44 (0) 2031980387
Twitter @smallworldfs
Facebook smallworldfs