Neema is the first digital account app in Israel.

With a Neema account, you can:

Send money to more than 80 countries in the world in minutes, at the most competitive rates. (The person you are sending money to does not need to have a Neema account.)
Save money in a variety of currencies.
Exchange currencies.
Order an international MASTERCARD card.

Here is the list of countries you can transfer money to as of june 2024:

Austria, Bangladesh, Belarus, Belgium, Bulgaria, Canada, China, Andora, Cyprus, Czechia, Colombia,

Democratic Republic of Congo

Ethiopia, England, Ecuador, France, Ivory Coast ,

Germany, Georgia, Ghana, Greece, Hungary, luxembourg , Latvia , Liechtenstein , Slovenia , San marino , Norway ,Monaco

India, Israel, Italy, Japan, Jordan, Kazakhstan, Kenya , Burkina Faso

Lithuania, Moldova, Morocco, Malawi, Nepal, Netherlands, Nigeria, Indonesia , Republic of Singapore

Philippines, Poland, Portugal, Peru, Romania, Rwanda, South Africa, Sri Lanka, Spain, Switzerland, Sweden, Malta , Denmark, Armenia , Estonia , Iceland , Ireland,

Thailand, Turkey, Uganda, Ukraine, Uzbekistan, United Arab Emirates, Vietnam, Hong-Kong, United States, Argentina, and Brazil

And more coming soon!

There are a variety of ways to add money to your Neema account:

Bank Transfer:

1a. Regular Bank Transfers To Mizrahi Bank (ILS Only)

You can fund your NEEMA account through a bank transfer by following these steps:

Initiate the transfer to NEEMA’s bank account using the following details:
- Bank: Mizrahi (code 20)
- Branch: 475
- Account Number: 691576
- Beneficiary Name: NEEMA
After completing the transfer, upload the transfer confirmation (proof of transfer) in the designated section of the NEEMA app. Ensure that the confirmation clearly shows:
- The transfer amount
- The bank account number the funds were sent from (or, if the deposit is a salary transfer, a payslip).
Funds are credited to your account within 1–2 business days (excluding weekends and holidays).

1b.For Salary Account Customers (Bank Code 21)

Each customer is assigned unique personal bank details:
• Bank Code: 21
• Branch Code: 21
• Unique personal account number

You can share these account details with your employer or any paying party and receive funds directly into your account, without the need to upload transfer confirmations or go through manual processing.

Key Benefits

• Receive your salary directly into your Neema account
• Fast and automatic crediting of funds
• Simpler and more convenient user experience
• Reduced dependency on manual processing and the Finance department

Crediting Times

• Transfers sent before 16:00 will be credited by 23:00 on the same day
• Transfers sent after 16:00 will be credited by 23:00 on the next business day
(Excluding weekends and holidays)

Limits

• Regular transfers to Bank 21 account: up to 70,000 ILS per month
• Faster Payments not marked as salary: up to 5,000 ILS per month
• Faster Payments marked as salary: up to 25,000 ILS per month

1c.Request To Pay (R2P) Service

In addition, Salary Account customers can also use the Request To Pay (R2P) service.

Faster Payments allows immediate transfers and instant settlement, where the funds are credited to the initiator of the request within seconds.

The service allows a Neema customer to send a payment request directly from their Neema account. The payer can approve the payment request through their bank’s website or banking app, and once approved, the funds are credited instantly into the Neema account.

Limitations

The monthly limit is 12,500 ILS (Neema-side limitation).

Other banks may apply additional limits from their side:
• Hapoalim / Leumi – 12,500 ILS
• Bank Hadoar – 6,000 ILS per transfer
• Mizrahi – 1,000 ILS per transfer
• Bank of Jerusalem – currently does not support this deposit method

2. Cash Deposits

Cash can be deposited in Israeli Shekels (ILS) and certain foreign currencies. Follow these instructions:

ILS Cash Deposit:
- Deposit at partnered cash-deposit locations, such as money exchange branches.
- Deposits are credited immediately to your ILS account or auto-converted into a supported foreign currency if desired.
Foreign Cash Deposit :
- Visit one of NEEMA’s branches:
  - Tel Aviv Central Bus Station
  - 11 Herzl Street, Haifa.

3. Card Deposits

Deposits can also be made from credit or debit cards issued by Israeli institutions. Supported card networks include VISA and Mastercard.

Credit Cards (e.g., Max, Visa Cal, Isracard):
- Deposits are credited immediately.
Debit Cards (Direct Cards):
- The cardholder's name must match your NEEMA account.
- A one-time up to 48 hours verification may be required for the first deposit; subsequent deposits post immediately.
Limits:
- Monthly: 35,000 ILS for credit cards; 25,000 ILS for debit cards.
Fees: Free of charge (except a 1 ILS verification fee for debit cards on the initial deposit).

4. NEEMA-to-NEEMA (N2N) Transfers

You can receive funds directly from another NEEMA account holder. No additional steps are required once funds are sent, as these transactions are processed automatically within one business day. Limits:

Monthly: Up to 10,000 USD (equivalent in ILS based on the app’s conversion rate). Fees Charged to Sender:
0–250 ILS: Free
250.01–1,000 ILS: 0.40%
1,001.01–2,500 ILS: 0.50%
2,500+ ILS: 1.40%.