esh Bank Redefines Banking with Disruptive Business Model

esh Bank officially announced Israel’s first hyper-efficient financial institution, marking a transformative moment in the country’s banking sector. 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.

esh Bank represents a departure from traditional banking approach, having been conceived and built as a modern financial institution free from the constraints of legacy systems. 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.

“At esh Bank, we’re proud to introduce the first fully transparent banking experience,” said Yuval Aloni, Co-Founder and CEO of the esh Group. “We’ve built a model designed to empower customers with clarity, efficiency, and confidence in their finances. By making banking simpler and more transparent, we’re creating a foundation where both our customers and the bank can thrive together.”

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.

“Technology has always been, for me, a tool to create major changes. esh Bank is an example of how it’s possible to transform an entire industry – the way a bank operates and the way it serves customers. It’s not just a new bank, but a new way of thinking about efficiency, innovation, and value,” said Nir Zuk, Director and investor at esh Group.

“Some banks think that innovation means saying ‘AI’ and adding an app, while continuing to work as they did 30 years ago. True innovation is solving the problem at its root – both for the bank itself and for delivering real value to customers. That’s exactly what esh Bank is doing.”

Central to realizing this extraordinary accomplishment is the technology platform which 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.

esh have established strategic partnerships with industry leaders including AWS for cloud infrastructure, SWIFT for global financial messaging, and were granted a principle issuing license by Mastercard, ensuring world-class security and connectivity for its customers.

esh Bank has set a new standard for hyper-efficient banking: a secure, transparent, cloud-based institution that puts customer value at the center of its revenue sharing business model.