Expat Guide to Israel: Best Apps for Banking, Groceries, and Communication

Navigating daily life in Israel as an expat can be tricky, especially with language barriers in banking, shopping, and communication. This guide highlights the most useful apps to simplify your experience. From managing finances to ordering groceries and staying connected, these tools cater to expat needs. Here’s a quick snapshot:

• Banking: Leumi App offers full English support and digital banking features. Hapoalim App is Hebrew-only but has useful tools for locals.
• Groceries: Shufersal Online and Rami Levy App provide delivery options but require basic Hebrew. YoY Delivery stands out with its English-friendly interface and fast service.
• Communication: WhatsApp is essential for staying in touch and joining local groups. baba is a translation app tailored for Hebrew, helping you understand key terms and navigate services.
• Transportation: Beep ON makes managing your Rav-Kav transit card easy, with full English support.

These apps can help you save time, avoid costly mistakes, and feel more in control of your daily tasks. Start with banking and grocery apps, and use baba for quick translations to bridge the language gap.

🇮🇱 Traveling to Israel? 🇮🇱 10 Must-have Travel Apps (Pay less. Enjoy more. 2022)

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1. Leumi App

Bank Leumi, Israel’s largest bank, offers a mobile app that brings a full suite of banking services right to your phone. For American expats, one of its standout features is the ability to switch the app’s interface to English with just one tap, making it much easier to navigate ^[3][6].

English Language Support

The Leumi app includes a simple toggle to switch the entire interface to English. As Bank Leumi puts it:

“Are you more comfortable in English? Change language with the click of a button.” ^[6]

With over 1 million downloads and an impressive 4.5/5 star rating from 38,500 reviews on Google Play, the app has earned the trust of both locals and expats alike ^[6].

Tailored for Expats

The app is designed to meet many of the unique financial needs of expats. It allows you to manage foreign currency accounts, send international money transfers, and oversee various account types - like checking, savings, mortgages, and even securities - all from one platform ^[1].

One particularly handy feature is digital check deposit. Instead of heading to a branch, you can simply snap a photo of your check to deposit it ^[1]. For those managing finances between the U.S. and Israel, the app makes it easy to transfer funds in both NIS and foreign currencies. Additionally, you can open savings accounts, order credit cards, and monitor loans - all without leaving your home ^[1].

Easy Account Setup

Setting up an account with Bank Leumi is refreshingly simple. As the bank advertises:

“Opening an account conveniently and quickly without going to the branch!” ^[6]

The app supports remote onboarding, so you can complete the entire process digitally. If you run into any problems, the 24/7 “Write to the Banker” feature connects you directly with support staff. You can also schedule Zoom meetings with branch managers or reach out via WhatsApp for assistance ^[6].

Local Features and Banking Culture

The Leumi app is built to align with the unique aspects of Israeli banking. For example, it supports Tashlumim, a common practice in Israel that lets you split nearly any purchase into monthly installment payments ^[3]. It also helps you manage your Minus, an authorized overdraft system. However, keep in mind that overdraft interest rates in Israel can be steep, ranging from 12% to 18% annually ^[3].

Monthly account management fees typically range from ₪10–30 (about $3–$9), but these fees are often negotiable ^[3]. As HebrewGlot notes:

“Israeli banking culture values assertiveness. Don't be afraid to ask, negotiate, and demand better service.” ^[3]

For example, if you inform the bank that your salary will be deposited into your Leumi account, you might be able to secure a lower fee. And with Leumi’s extensive branch network - the largest in Israel - you’ll always have in-person support as a backup when digital channels fall short ^[3].

2. Hapoalim App

Bank Hapoalim’s app is tailored for locals, offering a range of features that Hebrew speakers will find convenient. However, for expats, the lack of English support can make it a challenging experience. With over 1 million downloads and an impressive 4.5/5 star rating from roughly 84,400 reviews, the app clearly works well for its target audience - but navigating it without Hebrew proficiency might feel like solving a puzzle^[4][5].

English Language Support

If you're looking for English functionality, the app doesn't offer it. As one user, Daniele, shared:

"No English language, app is hard to navigate for an international user. It is very confusing to have 3 separate tabs, one for money on account, one for expenses and one for balance after expenses." ^[7]

The bank’s response? Use the website instead. According to Bank Hapoalim:

"Right now the app only exists in Hebrew. In the meantime, you can log in to view the account through the Bank's website in English > At the entrance to the marketing site, select International in the upper right corner." ^[5]

For expats who rely on mobile apps for quick banking, this can be a major drawback. Many turn to alternatives like One Zero or Leumi's Pepper, which offer English interfaces that are far more user-friendly^[3][2]. If you plan to stick with Hapoalim, brushing up on key Hebrew banking terms might save you some frustration.

Ease of Account Setup or Onboarding

While the app itself is in Hebrew, Hapoalim simplifies the onboarding process with a separate app called "OPEN". This app allows potential customers to open an account digitally, without stepping into a branch^[5][7]. Once your account is set up, the main Hapoalim app offers a variety of features like:

• Depositing checks via photo
• Ordering credit cards
• Requesting loans
• Ordering foreign currency for airport pickup^[4][5]

To make the most of these features, it’s worth learning some basic Hebrew terms. For example, Yitra means balance, Hafkada refers to deposits, and Ha'avara is for transfers^[3]. These small steps can make navigating the app much smoother.

Cultural and Local Relevance

The app is well-suited to local needs, integrating Bit, a popular tool for splitting bills, paying rent, and handling everyday transactions^[3][5].

It also includes budgeting tools that predict your account status, helping you manage expenses in Israel’s high-cost environment^[7]. Monthly banking fees typically range from ₪10–30, but don’t hesitate to negotiate - Israeli banking culture rewards assertiveness, with 70% of customers who negotiate landing better deals^[3].

For those willing to adapt, the Hapoalim app offers a glimpse into the local banking experience, blending practicality with features tailored to life in Israel.

3. Bank Hapoalim Digital Banking

Bank Hapoalim's digital banking services highlight both the hurdles and solutions for expats managing finances in Israel. While effective, the platform's usability hinges on your ability to read Hebrew. The mobile app is exclusively in Hebrew, while the desktop website includes an English "International" version. This creates a trade-off: quick mobile access versus a more comprehensive desktop experience. For expats, navigating these differences is key to managing their accounts efficiently.

English Language Support

The language barrier is a persistent issue for Bank Hapoalim's mobile app. It’s Hebrew-only, with no plans to add other languages. As the support team puts it:

"Right now the app only exists in Hebrew... In the meantime, you can log in to view the account through the Bank's website in English." - Giorgi, Bank Hapoalim Representative ^[4]

For expats, this means relying on the desktop website for English-language account management. By selecting "International" from the upper right corner of the site, users can access essential features like transfers, statements, and account oversight. While it’s not as seamless as a mobile app, it gets the job done ^[4][5].

Relevance to Expat Needs

Despite the language challenges, the platform meets most expat banking requirements. Features like digital check deposits and ordering foreign currency for airport pickup are available, though these services are limited to the desktop site. Monthly fees for accounts range between ₪10–30 (approximately $2.75–$8.25), and many expats successfully negotiate better terms - about 70% reportedly secure discounts ^[3][5].

Bank Hapoalim also integrates with Bit, Israel's popular app for splitting bills and peer-to-peer payments. Bit is widely used for everything from dining out to paying rent, making it a handy tool for expats adapting to local payment habits ^[2][3].

Ease of Account Setup or Onboarding

Opening an account is quick and straightforward. Bank Hapoalim offers a separate "OPEN" app, allowing users to set up an account digitally in just a few minutes ^[4][5]. Once registered, the platform provides tools like budgeting aids, financial predictions, and account status forecasts. These features are particularly useful for managing Israel's notoriously high cost of living ^[4][5].

4. Shufersal Online

Shufersal Online, operated by Israel's largest supermarket chain, caters to grocery delivery needs but is available exclusively in Hebrew.

Navigating platforms like Shufersal Online can be a challenge for non-Hebrew speakers, much like using banking apps without language support.

English Language Support

Unfortunately, Shufersal Online doesn't offer an English interface. Both the app and website are entirely in Hebrew, making it difficult for those unfamiliar with the language to browse products or complete the checkout process ^[3]. Many expats rely on tools like Google Translate's camera feature to convert Hebrew text into English, which can help bridge the language gap ^[8][9].

Ease of Account Setup and Onboarding

Creating an account requires entering a 9-digit Israeli ID or passport number. For newcomers, this can be confusing, especially if their passport includes letters. In such cases, using "000000000" or "111111111" as placeholders for non-numeric passport numbers is a common workaround ^[8]. To avoid delays during your first order, it's a good idea to complete your registration and add your credit card details ahead of time ^[8].

This streamlined setup not only simplifies the process but also provides insight into how local shopping habits shape daily budgeting practices.

Local Shopping Habits and Tools

Grocery shopping in Israel is heavily influenced by the country's high cost of living. Many locals use apps like Pricez (פרייסז) to compare prices across various supermarket chains before making a purchase ^[10]. While Shufersal Online doesn't include a built-in price comparison feature, combining it with tools like Pricez can help keep costs under control. For those looking for even quicker service, some expats turn to alternatives such as Yango Deli ^[2].

Understanding these practices can make navigating Israel's grocery landscape a bit easier.

5. Rami Levy App

For expats navigating daily life in Israel, the Rami Levy App provides a budget-friendly way to handle grocery shopping. As part of one of Israel's most affordable supermarket chains, it connects users to local stores, allowing for convenient online orders.

English Language Support

The Rami Levy App, like many Israeli grocery apps, is available only in Hebrew^[11]. While this can be a hurdle for English speakers, the app’s clean and simple layout makes it somewhat easier to navigate. Many expats use tools like Google Translate’s camera feature to quickly translate Hebrew text in real time, making the process more manageable^[8][2].

Ease of Account Setup

Creating an account on the app requires a 9-digit Israeli ID number. If your passport includes letters, you can substitute them with a numeric placeholder to complete the registration^[8]. This straightforward process makes it easier for expats to access the app’s cost-saving options for everyday shopping.

Local Shopping Experience

The app mirrors Israel’s local shopping habits, focusing on affordability and simplicity. Rami Levy is well-known for offering competitive prices and a no-frills shopping experience, making it a favorite among locals. For expats, it’s an excellent way to shop like a local while keeping expenses under control.

6. YoY Delivery

For expats in Israel needing groceries in a pinch, YoY Delivery offers a fast and convenient solution, making it easier to restock essentials without hassle.

English Language Support

YoY Delivery caters to expats by featuring an English-friendly interface^[2]. This is a game-changer for those still learning Hebrew, offering a much-needed sense of ease during the transition to a new country.

Meeting Expat Needs

The platform eliminates language hurdles with its fully English interface and promises delivery in just 15 minutes^[2][12]. This rapid service is a lifeline when you're still figuring out where to shop or navigating unfamiliar surroundings.

Connecting to Local Stores

YoY Delivery links users directly to Israeli stores, giving expats access to authentic local products and prices. It's a great way to ease into local shopping habits while gaining insight into everyday life in Israel. With its quick, English-friendly service, YoY Delivery helps make settling into a new country a smoother experience.

7. baba - Smart Hebrew Translation

For expats in Israel, navigating everyday tasks can be overwhelming due to language barriers. Many apps and services are exclusively in Hebrew, leaving non-Hebrew speakers at a disadvantage. Enter baba, an AI-powered translation app designed specifically to tackle the complexities of Hebrew.

English Language Support

With baba, the entire interface is in English, making it instantly accessible for English-speaking users. Available on both iOS and Android, the app allows you to start translating immediately - no need to create an account or share personal details. Unlike generic translators, baba is fine-tuned to handle Hebrew’s unique grammar, including its gender-specific structures, ensuring translations are accurate and natural in context.

Tailored for Expats

Generic translation tools often fall short when it comes to Hebrew, especially in Israel’s specific linguistic environment. Essential services, like banking apps such as Bank Hapoalim, are only offered in Hebrew. Misunderstanding a term in these contexts could cost you hundreds of shekels^[3]. baba’s AI is designed to help users navigate these challenges, from deciphering ATM screens to understanding everyday terms like "Tashlumim", which refers to splitting payments into interest-free installments - a common practice in Israel.

Quick Setup, Privacy First

Getting started with baba is effortless. There’s no need for registration, emails, or sharing personal data. Simply download the app from the App Store or Google Play, open it, and start translating. This privacy-first approach is perfect for handling sensitive information, whether it’s banking details, personal conversations, or work-related communication. The simple setup ensures you can dive right in without any hassle, giving you more time to focus on adapting to your new environment.

More Than Just Translation

baba goes beyond word-for-word translations by incorporating local context. Whether it’s Hebrew-only menus, transit signs, or complex bureaucratic forms, baba helps expats navigate these everyday hurdles. It doesn’t just tell you what a word means - it explains how and when to use it appropriately, making it a tool for both language and cultural understanding.

8. WhatsApp

English Language Support

WhatsApp supports English along with more than 60 other languages, making it user-friendly from the moment you start. Whether you're chatting with friends in English or connecting with locals in Hebrew, the app ensures a smooth experience without any language barriers.

Relevance to Expat Needs

In Israel, WhatsApp is a key communication tool for both personal and professional purposes. As Talkpal highlights:

WhatsApp: This app is crucial for day-to-day communication in Israel. It's widely used for both personal and professional communication. WhatsApp groups are also a common way for people to stay updated on community events, local deals, and more.

From coordinating with colleagues to managing errands with local businesses, WhatsApp simplifies communication. Its widespread use across various settings makes it indispensable for expats.

Ease of Account Setup

Getting started with WhatsApp is incredibly simple. All you need is your phone number - download the app, verify your number, and you're ready to start connecting.

Community and Local Relevance

WhatsApp groups quickly become your go-to source for staying informed and connected. Whether it’s a group for your apartment building, street, or workplace, these chats provide real-time updates on everything from local events to important announcements. Within days of settling in, you'll find yourself plugged into the local scene through these dynamic group chats.

9. Beep ON

Beep ON is a must-have app for managing public transportation in Israel, making life easier for expats navigating the country's transit system.

English Language Support

The app provides complete English language support, making it accessible to those who may not yet be fluent in Hebrew. Its user-friendly interface ensures you can easily navigate the app without worrying about language barriers.

Why Expats Love It

Beep ON is designed to handle all your Rav-Kav card needs - the key to using Israel's public transportation system. With this app, you can load money onto your card directly from your smartphone, saving you the hassle of visiting kiosks or handling cash. Whether you're rushing to catch a bus or hopping on a train, you can quickly top up your balance on the go. Plus, the app keeps track of your travel history and remaining balance, helping you manage your commuting budget effortlessly.

Simple Setup

Getting started is straightforward. Download the app, create an account using your email, and link your Rav-Kav card by entering its number (located on the back of the card). Once linked, you can add funds using any major credit or debit card. Even if you're new to the system, the process is intuitive and quick.

A Perfect Fit for Israeli Life

Beep ON aligns perfectly with the fast-paced, mobile-driven lifestyle in Israel. The Rav-Kav card is essential for daily commuting, and the app's digital management eliminates the need for exact change or waiting in line to top up during busy hours. It's a practical tool that blends seamlessly into daily life, helping you adapt to Israel's efficient and tech-savvy transit culture.

App Comparison Table

Here's a handy guide summarizing the standout features of the nine essential apps covered earlier.

App Name	Category	English Support	Key Expat-Friendly Features	User Rating
Leumi App	Banking	✅ Full English interface	Manage foreign currency accounts, deposit checks digitally, and transfer money in both NIS and foreign currencies	4.3/5
Hapoalim App	Banking	❌ Hebrew only	Deposit checks using photos and manage accounts without visiting a branch	4.5/5 (84.4K reviews)
Bank Hapoalim Digital Banking	Banking (Web)	✅ English "International" version	Offers smart financial tools like analysis, budgeting, and goal tracking, all in English via the web	4.5/5
Shufersal Online	Groceries	✅ Partial English support	Order groceries for home delivery, access a wide product range, and enjoy loyalty rewards	4.2/5
Rami Levy App	Groceries	✅ Basic English support	Get competitive prices, delivery options, and digital coupons or deals	4.1/5
YoY Delivery	Groceries	✅ English interface	Order from multiple stores, enjoy quick delivery windows, and access English-speaking customer support	4.4/5
baba	Communication & Translation	✅ Full English support	Translate Hebrew with gender awareness, explore slang with context, and maintain privacy (no login required)	5.0/5
WhatsApp	Communication	✅ Full English support	Stay connected for personal and professional use; join local groups for deals and events	4.6/5
Beep ON	Transportation	✅ Full English support	Manage your Rav-Kav card, load funds through your phone, and track your travel history	4.3/5

If you're still learning Hebrew, apps with full English support can make life much easier. For translation needs, check out baba, which offers nuanced, gender-aware Hebrew translations and works on both iOS and Android. Use this table as your go-to resource to find the apps that fit your lifestyle best.

Conclusion

This guide has highlighted some of the most practical digital tools for expats adjusting to life in Israel. Moving to a new country comes with its own set of challenges, like navigating banking apps that are often only in Hebrew, figuring out grocery delivery options, and staying connected. The apps mentioned here address these everyday hurdles directly. Banking apps like Leumi, Hapoalim, and Bank Hapoalim Digital Banking help you manage your finances online. Grocery delivery platforms such as Shufersal Online, Rami Levy, and YoY Delivery ensure your essentials are delivered with English support. For communication, tools like WhatsApp and Beep ON keep you in touch, while baba stands out by offering gender-aware translations to bridge the language gap. Plus, it’s available on both iOS and Android.

These tools complement each other perfectly: set up your banking, order groceries, stay connected, and translate with ease. With baba, you can handle everything from bank notices to casual conversations with translations that go beyond generic tools, offering accuracy and cultural context.

Start with banking apps as soon as you arrive, add grocery delivery options as you settle in, and rely on baba for accurate Hebrew translations. Many of these apps are free to try, making it easy to explore what works best for you.

Stay informed and connected. Israel’s expat community thrives on shared experiences, so once you’ve tried these tools, consider sharing your feedback in local Facebook groups or Reddit threads. Your insights can help others navigate their new lives and build a supportive community.

Download these apps today and simplify your daily life in Israel. With just a few taps, you can turn what might feel overwhelming into manageable, stress-free tasks.

FAQs

Which apps are fully available in English?

The Bank Hapoalim app and the Leumi app are fully available in English, making them convenient for users who prefer the language.

• The Bank Hapoalim app allows you to manage your account, transfer money, deposit checks, and even order foreign currency.
• The Leumi app provides tools for managing your account and performing various transactions.

Both apps are compatible with iOS and Android devices, ensuring accessibility for a wide range of users.

How can I open an Israeli bank account remotely?

To open an Israeli bank account remotely, you can go through the international desks of major banks or work with licensed currency brokers. The process usually begins online, where you'll need to provide documents like your passport, proof of address, and details about the source of your funds. The mandatory KYC (Know Your Customer) interview is generally conducted over Zoom.

What do I need to use Beep ON with a Rav-Kav?

To use Beep ON with a Rav-Kav, head to an "Al-HaKav" station in person. Make sure to bring a valid photo ID. At the station, you'll need to register your Rav-Kav card, enabling you to load and validate travel credit for public transportation.