Find answers to common questions about our services, security measures, and international money transfers.
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International Money Transfers - FAQ
Use a licensed Israeli currency specialist, like Adesco, not your bank. Adesco offers same-day processing versus three to seven business days at a bank, a market-based exchange rate with no hidden margin, and full support for Source of Funds documentation required by Israeli banks. On a $300,000 transfer, the rate difference alone can reach up to 12,000 NIS. Adesco is licensed by the Israel Capital Market Authority (License 57103).
Adesco is a licensed financial institution regulated by the Israel Capital Markets Authority and strictly compliant with all regulations. There is no reason to fear compliance. We do all we can to assist our clients to execute transactions properly, and we won't ever compromise on regulatory requirements.
Adesco's Zero Risk Environment is designed such that your funds are not exposed to risk at any time. All client money is held in a special Omnibus Trust account in a major Israeli bank. We do not advance funds and do not grant credit facilities of any kind. We also don't take positions in the currency market. All we do is execute your transactions. No risk for us means no risk for you !
No, Adesco executes currency exchange and funds disbursement with zero fees, providing superior exchange rates and immediate, efficient service for both corporate and personal payments.
Adesco provides same-day transfers, ensuring that your funds move quickly and efficiently across borders to arrive the same day. Exact timing may vary depending on the recipient bank's processing speed and time zone differences.
Adesco's minimum transaction is $10,000, and exchange rates improve as the amount of your trade increases toward $25,000, making it ideal for businesses and individuals executing medium and large international transfers.
Our primary currencies are USD, Euro, GBP, CAD, AUD and ILS. We also execute trades in other European currencies. Feel free to ask us about additional currencies.
Adesco offers rates based on live market rates at the moment of your trade, with fixed spreads and no hidden fees. Unlike banks, which apply a margin of 2–4% that is never shown as a line item, Adesco provides transparent, real-time pricing. On $100,000 transferred, that margin difference can reach up to 4,000 NIS.
The speedy process includes:
1. Introductory Call - A relationship manager will guide you through the process.
2. Provide relevant documents.
3. Signature on registration forms.
4. Transfer funds to Adesco trading account.
5. Trade Execution - You can choose to have Adesco convert funds upon receipt or hold them until you instruct them to trade.
6. Disbursement of proceeds per your instructions.
It all happens so quickly!
Yes. Adesco specializes in real estate transactions, including Shovar payments to developers, bank checks for secondhand purchases, and tax payments to the Israeli Tax Authority, as well as personal transfers. Both are handled with the same same-day processing and licensed compliance infrastructure.
Banks apply a hidden margin to the exchange rate of 2–4%, take three to seven business days, and charge receiving fees on the Israeli side. A licensed currency specialist like Adesco offers a market-based rate with no hidden margin, same-day processing, and transparent total cost. On a $300,000 transfer, the difference in exchange rate alone can reach up to 12,000 NIS.
You can send funds to Adesco via wire transfer from your foreign bank account. All Adesco activity is performed within the formal international banking environment.
Yes. Adesco specializes in handling real estate transactions, including payments for property purchases in Israel and abroad. We ensure secure and compliant transfers that align with all legal and financial regulations.
Yes. Adesco pays shovarim, and we are the only ones that can do this online and faster than anyone else. Likewise, we will execute payment of your tax vouchers and all disbursements related to your property acquisition.
Yes, Adesco can issue bank checks. We also offer trust services and alternative methods to secure your real estate payments, and all coordinated with your Israeli attorney.
Yes. Adesco allows you to transfer funds to brokerage accounts in the U.S., making it easier to invest, trade, or manage your assets internationally.
Yes, we support fund transfers to European countries, and in fact to most countries around the world, ensuring secure and regulated transactions that comply with international financial regulations.
Adesco accepts incoming funds for currency exchange from a wide range of countries, including:
USA, Canada, UK, most European countries, Australia, Israel, South africa and more.
Use a licensed Israeli currency specialist with segregated client trust accounts like Adesco. Before any money moves, prepare your Source of Funds documentation - bank statements, tax returns, or proof of a property sale. A licensed specialist like Adesco coordinates compliance with Israeli banks in advance so funds clear immediately on arrival, with no freeze and no delay to your closing.
Proof of identity, source of funds documentation (bank statements, investment records, or proof of a property sale), the purpose of the transfer, and the receiving account details. Adesco collects this in advance and coordinates with Israeli banks so documentation does not delay the transfer.
Lawyers can open in Adesco a dedicated trust account to hold buyer funds until all legal conditions are satisfied. The account separates client money from the lawyer's own funds and ensures regulatory compliance. Adesco provides licensed trust account infrastructure, handling regulatory setup and multi-currency conversion so foreign funds arrive in NIS on the same day, within 48 hours of completed documentation.
The Madad is Israel's Construction Cost Index. New construction contracts link your staged payment amounts to this index, meaning each Shovar amount increases monthly as construction costs rise. For foreign buyers, this compounds currency risk: your NIS payment amounts grow while the USD/NIS rate may also move against you. Adesco helps clients plan their payment schedule with Madad adjustments in mind — request updated payment schedules from your lawyer before each transfer.
Verify the provider holds a license from the Israel Capital Market, Insurance, and Savings Authority, ask for the license number and check it on the Authority's public registry. Then confirm: client funds are held in segregated trust accounts at licensed Israeli banks, the exchange rate is confirmed in writing before you commit, same-day processing is available, and there are no receiving fees on the Israeli side. Adesco's license number is 57103.
