How to Transfer Money to Another Neema Account
Neema-to-Neema (N2N) transfers allow you to send money instantly to another Neema user or receive money from another Neema account to top up your account balance.
Follow these steps to send money via Neema-to-Neema (N2N):
Open the Neema app on your mobile device.
Tap N2N at the bottom of the main screen.
Allow the Neema app access to your device contacts (optional).
Tap Send to a phone number.
Enter the mobile phone number of the beneficiary (ensure the recipient has an active Neema account).
Enter the transfer amount.
Add a comment to describe the transfer (optional).
Review the transfer details and tap Send.
Neema-to-Neema (N2N) Transaction Limits
Neema-to-Neema (N2N) transfers are subject to maximum monthly sending and receiving limits:
Monthly receiving limit: Up to 100,000 ILS per calendar month
Monthly sending limit: Up to 40,000 ILS per calendar month
Cumulative N2N monthly limit: Up to $10,000 USD (or equivalent in ILS) per calendar month
Neema-to-Neema (N2N) Fee Structure
Neema-to-Neema (N2N) transfers follow a tiered monthly fee schedule. Fees are calculated progressively, meaning only the portion of the transfer amount that falls within each tier is charged the corresponding rate.
Monthly Transfer Amount Range | Fee Rate |
Up to 250 NIS | Free (0%) |
250.01 NIS – 2,500 NIS | 0.40% |
2,500.01 NIS – 6,000 NIS | 0.45% |
Above 6,000 NIS | 1.00% |
Worked Example of N2N Fee Calculation
If you send a total of 1,500 NIS in a single calendar month using Neema-to-Neema (N2N):
First 250 NIS: Charged 0% fee (0.00 NIS)
Remaining 1,250 NIS (range 250.01–2,500 NIS): Charged at the tier rate 0.40% → 3.30 NIS
Total fee: 3.30 NIS
Cancellation and Reversibility Rules
Neema-to-Neema (N2N) transfers process instantly between accounts.
Once funds are credited to the recipient's Neema account, the transfer cannot be canceled or reversed. Due to legal banking regulations, Neema is unable to retrieve or reverse funds after they have been credited to the recipient's Neema account. Always verify the beneficiary's phone number before confirming a transfer.