# Money Management Apps in Israel: How to Choose and What to Compare

> How to choose an app that brings your money and pension together: criteria, and a comparison of Shavve, Finto and Moneytor based on what their own sites state, with unverified points marked.

- Canonical URL: https://www.shavve.io/en/articles/best-money-management-apps-israel
- Category: Tech & money
- Published: 2026-10-25 · Updated: 2026-10-25
- Reading time: 10 min
- Language: English
- Shavve - שווה — https://www.shavve.io/en

## The short version

- The criteria that matter: read-only access, a licence you can check, what connects and how, price and privacy.
- Automatic bank and pension connection differs from manual entry: the first saves work, the second needs no access.
- A financial-information-service licence is checked in the Israel Securities Authority's official list, not on the app's own site.
- Prices change: the table reflects what the sites said on 25 Oct 2026, so check again before you decide.
- A bank's own app shows that bank only, while a money-overview app connects several sources.

Several apps in Israel promise to bring your money together in one place, and they differ in things that are easy to miss: how data gets in, what can be connected, who supervises and what it costs. This guide does not name a “best” app, because that depends on you. It gives criteria to check, a comparison of three apps based on what their own sites say, and a way to check any other app. We operate one of them, so we wrote carefully and chose to show only what can be verified.

## What to check before you choose

**Seven criteria**

- [ ] Read-only: the app should show data and never move money from your accounts.
- [ ] Licence: an app that pulls bank data through open banking needs a financial-information-service licence. Check it in the official list.
- [ ] What connects: banks, credit cards, pensions, insurance, investments, crypto, real estate.
- [ ] How data gets in: automatic connection, or manual entry.
- [ ] Price: what is free, what is paid, and what happens when a trial ends.
- [ ] Privacy and deletion: how you revoke access and delete the account and the data.
- [ ] Language and interface: Hebrew right-to-left, a phone app or only a website.

## The comparison: what each app says about itself

The table is based on each app's public pages, checked on 25.10.2026. These are the companies' own statements, not an independent test of what they do, and prices and features change. Whatever did not appear on a site is written as “not stated on the site”, which does not mean it does not exist.

*According to the apps' own sites, checked 25.10.2026*

|  | Shavve | Finto | Moneytor |
| --- | --- | --- | --- |
| How data gets in | Read-only connection after your approval | Manual entry, according to the site | Automatic connection to banks, pensions and brokerage (automatic bank connection is a Premium feature). Real estate, crypto and RSUs are added manually |
| What you can connect | Banks, credit cards, pensions and provident funds, insurance (including Har HaBituach), investments and crypto | Recurring expenses, pensions, provident and study funds, savings and policies | Banks, pensions and brokerage; credit cards are not mentioned on the site |
| Price stated on the site | 30-day free trial for banks and credit cards; one-time ₪29; Pro at ₪19 a month or ₪199 a year (VAT included) | Free (₪0), Basic at ₪39 and Pro at ₪89, with every plan free during the beta | Free for manual tracking; Premium at ₪49 a month or ₪490 a year, with a 7-day trial |
| Licence stated on the site | A financial-information-service licence, supervised by the Israel Securities Authority | Not stated on the site | Not stated on the site |
| Platforms | iOS and Android apps | Web app; iOS and Android apps “coming soon” | Web; phone apps are not mentioned on the site |
| Languages | Hebrew and English | Hebrew, Russian and English | Hebrew and English |

> **Note — What we did not verify**
> We could not read the official site of RiseUp and of other apps, so they are not in the table and we will not show their prices or features from secondary sources. Banks' own apps are not in the table either: each shows its own bank's accounts. If you are considering an app that is not here, run the seven criteria above against its own site.

## Automatic connection or manual entry

**Automatic connection**
- Data updates by itself, with no routine work.
- Needs your consent and an app that holds a financial-information-service licence.
- You can revoke consent at any time, with the app and with the bank.
- Suits someone who wants an up-to-date picture and does not want to type.

**Manual entry**
- No access to the bank or the account is needed.
- Takes work, and the data goes stale between updates.
- Suits someone who prefers not to share access, or assets that cannot be connected.
- You can mix: connect the main things and enter the rest by hand.

## How to check a licence, step by step

1. **Read what the app states** — Look on its site or in the app store for a financial-information-service licence and who supervises it.
2. **Check the official list** — The [Israel Securities Authority](https://www.isa.gov.il/) publishes a list of licensed financial information service providers. It is updated, so it is the source that counts.
3. **Check that the bank link goes through the bank** — In open banking you identify yourself with the bank itself and never hand the app your bank password. An app that asks for a bank password is a red flag. See [Open banking explained simply](https://www.shavve.io/en/articles/open-banking-explained-simply).
4. **Check how you cancel** — Make sure you can revoke consent and delete the account from inside the app, not only by emailing.

## Which app suits whom

| You... | Look for |
| --- | --- |
| Want to see monthly income and spending | A connection to your bank and cards, automatic categorisation, a budget |
| Want a picture of pensions and insurance | A connection to the Pension Clearing House and Har HaBituach, and a fee comparison |
| Want to understand net worth | One place for assets and liabilities, including investments, real estate and debts |
| Prefer not to share access | An app with manual entry, and a look at what it stores |
| Run a shared household | A shared picture for partners in which each person approves what to share, and duplicates across joint accounts neutralised |

If you would rather start without picking an app, begin with the [free calculators](https://www.shavve.io/en/tools): the [net-worth calculator](https://www.shavve.io/en/tools/net-worth-calculator) and the [50/30/20 calculator](https://www.shavve.io/en/tools/budget-50-30-20-calculator) run in your browser with no sign-up. The Shavve app suits people who want a read-only connection to every source, pensions and insurance included, supervised by the Israel Securities Authority. It does not replace your bank's app and does not move money.

## Why a pension connection differs from a bank connection

A bank account and a credit card connect through the bank or the card company. Pensions and insurance sit with other bodies, and the information on them is gathered in dedicated sources: the [Pension Clearing House](https://www.swiftness.co.il/) shows pension products, [Har HaBituach](https://harb.cma.gov.il/) shows policies, and [Har HaKesef](https://itur.mof.gov.il/) helps find forgotten savings. So an app that says it “connects everything” can mean very different things. Ask directly: is the pension connection automatic or manual, and which source does the data come from? The sources are explained in [How to check how much pension you have](https://www.shavve.io/en/articles/how-to-check-how-much-pension-you-have).

## How to read a pricing model

| Model | What it means | What to watch |
| --- | --- | --- |
| Free | Basic use at no cost, usually with limits | What is blocked, and whether automatic connections are included |
| One-time payment | You pay once for a period or a defined use | How long access lasts, and whether data updates during the period |
| Monthly or yearly subscription | A recurring payment for continuous use | How you cancel, and what happens to your data afterwards |
| Trial period | Free use for a limited time | Whether a card is required, and what turns into a charge at the end |

## What to check on privacy before you connect

- Which data the app stores, and whether it shows it to you clearly.
- Whether the consent to connect is limited in time, and how you revoke it.
- Whether you can delete the account and the data from inside the app.
- Whether there is a privacy policy in a language you can read, and to whom data may be passed.
- Whether there is a biometric lock or a code before numbers appear on the screen.

## How to try an app sensibly

1. **Start with one connection** — Connect one bank account and one card, and see whether the data is right before you add more.
2. **Check a number you know** — Compare a balance or a charge you know about with what the app shows. If something does not match, report it and see how it is handled.
3. **Test the revocation** — Try to revoke consent, and make sure access really closes.
4. **Decide at the end of the trial** — Ask yourself whether you saved time or found something you did not know, and only then pay.

## Three cases, and what matters in each

### A couple with joint accounts

In a joint account the same transaction appears for both partners, and an app that does not neutralise duplicates counts it twice and inflates spending or net worth. Check whether there is a shared picture in which each person approves what to share, and how duplicates are handled.

### Someone who only wants to track spending

If all you want is to see where the money goes each month, a connection to your bank and card, or even manual entry and the [50/30/20 rule](https://www.shavve.io/en/articles/budget-method-50-30-20), may be enough. There is no need to pay for features you will not use.

### Someone with pensions at several providers

Here the value is in the connection to the pension sources and in comparing management fees. Look for an app that shows every product in one place, and check that it also shows the fees, the figure that can save you the most money over time, as explained in [How to lower management fees](https://www.shavve.io/en/articles/how-to-lower-management-fees).

## Common mistakes when choosing

- Choosing on price alone, without checking what is free, what is paid and what happens when the trial ends.
- Handing the app a bank password. In open banking you authenticate with the bank.
- Assuming an app is “supervised” without checking the official list.
- Connecting everything without reading what the app stores and for how long.
- Comparing marketing features rather than what the app really pulls: a pension connection is not a bank-account connection.

The bottom line: no single app suits everyone, and half an hour of checking is worth it before you hand over access to financial data. Start with the criteria, verify the licence in the official list, try a trial period, and check that you can revoke and delete. Re-check the prices and features in the table on the sites themselves, because they change.

**Which money management app is the best?**
There is no single answer: it depends on what you want to connect, whether you prefer automatic connection or manual entry, and the price. Run the seven criteria and try a trial period.

**Can a money app move money out of my account?**
A financial-information app works read-only and should not move money. If an app asks for permission to make transfers, that is a different kind of service and worth asking who supervises it.

**How do I check that an app is licensed?**
Check the official list of financial information service providers on the Israel Securities Authority's site, not only the app's own statement.

**What is the difference between a bank's app and a money-overview app?**
A bank's app shows that bank's accounts. A money-overview app connects several sources, for example several banks, credit cards, pensions and investments.

**Is it worth paying for a money app?**
It depends on the value you get. Start with a free trial or the free tools, and pay only if the app saves you time or money you can identify.

**Can I use more than one app?**
Yes, but every connection is another consent to share data, so connect only what you need and revoke connections you no longer use.

**What happens to my data if I cancel?**
It depends on the app, so check the privacy policy for whether and how soon data is deleted, and ask customer service before you cancel.

## Sources

- [Israel Securities Authority](https://www.isa.gov.il/)
- [Bank of Israel](https://www.boi.org.il)
- [Bank of Israel: the “Kama Kama” guide to comparing banking costs](https://www.boi.org.il/information/bank-paymnts/financial-education/campaigns/kama-kama_guide/)
- [Finto's site: prices and features](https://app.finto.co.il)
- [Moneytor's site: prices and features](https://moneytor.ai/)