Comparison
Shavve vs Cover: what differs and who each suits
In short
Cover is a platform that shows pensions, savings and insurance in one place, free for individuals according to its site, with banks not mentioned there. Shavve adds bank, cards and investments. Cover is a focused tool for checking pensions and insurance; Shavve suits a full money picture.
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The comparison in a table
| Shavve | Cover | |
|---|---|---|
| What it is | A personal-finance app: bank, cards, pension, insurance, investments and crypto in one picture | A platform that brings together pensions, savings and insurance, with recommendations for better terms, a personal AI agent in the app and on WhatsApp, and calculators |
| How data gets in | A read-only connection after your approval. Shavve cannot move money | According to the site, the platform is connected to the systems of the pension clearing house and the Ministry of Finance, and collects information from insurance companies |
| What you can connect | Banks, credit cards, pensions and provident funds, insurance (including Har HaBituach), investments and crypto | Pensions, savings and insurance. Banks: not mentioned on the site |
| Price shown on the site | A 30-day free trial for connecting banks and credit cards, including budgets and a shared household. Prices are shown in the app before any purchase | Free for individuals, per the site. Cover for Business pricing: not published on the page checked |
| Licence shown on the site | A financial-information-service licence, supervised by the Israeli Securities Authority | Financial licensing: not published on the page checked. The site states a database registration with the Ministry of Justice |
| Platforms | iOS and Android apps | Links to Google Play and the App Store, and use on WhatsApp |
| Languages | The site is in Hebrew and English | The page checked is in Hebrew |
Shavve operates one of the apps compared. The comparison rests on what the sites publish, not on an independent test of how they work.
When to choose them
- You mainly want to see pensions, savings and insurance and get recommendations, with no bank connection.
- A free service for individuals matters to you, per the site.
- You want to ask pension and insurance questions on WhatsApp and in the app.
- You want a pension, compound-interest and salary calculator on the same site.
When to choose Shavve
- You want the bank and cards, plus investments and crypto, in the same picture as pensions and insurance.
- You want a budget, cash flow and net worth next to the pension.
- You want Shavve's financial-information-service licence stated on its site, where you can check it on the official list.
- You want a shared picture for partners.
Frequently asked questions
What is the difference between Shavve and Cover?
According to both sites, Cover emphasises pensions, savings and insurance and recommendations, while Shavve also brings together banks, credit cards, investments and crypto, read-only. This comparison rests on what is published, not on using both.
Does Cover connect to a bank?
A bank connection is not mentioned on the page checked on 25 October 2026. That does not establish that there is none, so check its site.
What does Cover cost?
The site says it is free for individuals. Shavve offers a 30-day free trial and shows prices in the app before any purchase.
Can I use both?
Yes. Nothing prevents it, and you can try each and compare a number you know. It is also worth checking how to cancel the consent and delete the account.
Sources
- Cover: דף הבית · 25 October 2026
The links go to each company's public pages, as read on 25 October 2026. Anything not stated there is written "not published", which does not establish that it does not exist. Prices and features change, so check the sites again.
Keep reading
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.
How to Check How Much Pension You Have (and Where It Is)
How to find all your pension and provident funds and check balance, deposits and fees: the pension clearing house, Har HaKesef and Har HaBituach.
How to Lower Management Fees on Pension, Study and Provident Funds
The legal ceilings on management fees in a pension fund and an investment provident fund, how to check what you pay, how to negotiate and when to move, step by step.
Related free tools
Pension calculator: estimated monthly pension and the cost of fees
Estimates a monthly pension from a balance, deposits and years, and shows what fees take from it.
Management fee calculator for pension and savings funds
Compares two management fee rates and shows how much is left in the fund at the end.
More comparisons
Connect once. Understand everything.
Cover is a platform that shows pensions, savings and insurance in one place, free for individuals according to its site, with banks not mentioned there. Shavve adds bank, cards and investments. Cover is a focused tool for checking pensions and insurance; Shavve suits a full money picture.
Download the app and start seeing the whole picture.
