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Israel’s Esh Bank splits revenue on current-account balances 50/50 with customers weekly; partnerships include AWS, SWIFT and a Mastercard principal issuing license.

September 17, 2025 //  by Finnovate

esh Bank officially announced Israel’s first hyper-efficient financial institution. After operating in stealth mode with invited customers for two years, esh Bank emerges as a fully operational institution that fundamentally reimagines how banks serve their customers through complete operational transparency and a proprietary revenue-sharing model. The bank’s innovative “Equal Sharing Model” shares 50% of revenues generated from customer balances in their current accounts, credited automatically to their accounts each week. This groundbreaking approach provides customers with clear visibility into the value created with their money, eliminating hidden fees and complicated conditions that characterize traditional banking relationships. esh Bank has achieved an exceptional, industry-leading operational efficiency by automating manual back-office processes and removing dependencies on operational staff. This enables the innovative equal sharing model while maintaining robust profitability. esh Bank does not charge any account fees and provides radically transparent banking services designed for both retail customers and small businesses. Its technology platform drives esh Bank – eOS, a breakthrough AI-native, full-stack core banking platform that integrates the general ledger, digital channels, compliance, payments, cybersecurity, and product creation into a single, fully real-time autonomous bank operating system. This technological foundation eliminates the data silos and manual processes that burden traditional banks, enabling the operational efficiency that makes the bank’s customer-centric model possible.

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Category: Innovation Topics, User Interface

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