קונים נדל״ן בישראל? חסכו אלפים על המרת מטבע

Hannah and Daniel had spent two years saving for their first home in Jerusalem when their offer on a Rehavia apartment was accepted. Their UK bank quoted them around 2% off mid-market with a £25 fee per wire, and they'd assumed that was just the cost of buying abroad. What they hadn't priced in was time. Their completion date was four months out, and the GBP/ILS rate had moved more than 4% in the previous quarter alone. IsraTransfer walked them through a forward contract on day two of their conversation — locking 70% of the completion sum at GBP/ILS 4.62, with spot conversion handling the deposit and two stage payments along the way. By completion in March, spot had moved to 4.41. They saved roughly £24,000 against floating — about a year of mortgage payments on their new flat. “We were so focused on the legal side and the survey, we didn't realise the rate was its own risk.”

Sarah and her husband bought a ₪4.8M new-build off-plan in Tel Aviv, with fourteen months of stage payments running through to handover. The currency exposure across that window was significant — and the project was being developed during a period where the dollar moved more than 6% against the shekel in the space of three months. IsraTransfer's trading desk laddered three forward contracts across the payment schedule, locking 30% / 30% / 40% of the total at the offer stage. Each tranche matched a corresponding payment milestone, so when the developer's lawyer demanded funds at construction sign-offs, the rate was already secured. Average locked rate: USD/ILS 3.71. By final payment, spot had fallen to 3.58. The currency saving alone came in at roughly $22,000 — and they never had to track the rate or make a decision about timing while the build was going on.

The Levys made aliyah from Paris with a four-month window between offer-accepted and the keys-handover date on their new apartment in Netanya. They were arriving in Israel weeks before completion — but there was no realistic way to open an Israeli bank account in time, and their French bank was quoting more than 2% off mid-market on the EUR → ILS transfer. IsraTransfer arranged the transfer directly into the seller's lawyer's trust account through their Israeli nominee, with no Israeli banking required from the Levys' side. The total margin came in at 0.4% on the mid-market rate vs the 2.1% plus €25 per wire their French bank had quoted — saving around €36,000 on the transfer. “We expected the move itself to be the stressful part. The currency side was the only thing that just worked the first time.”

Michael was buying a ₪3.2M apartment in Ra'anana from Sydney, with an awkward timezone gap that made traditional banking conversations almost impossible. His Australian bank required calls during business hours, and by the time the trading desk picked up, the Israeli day was over. IsraTransfer's account team set up a single point of contact who worked across his timezone and the Tel Aviv desk, so quotes and instructions could be batched rather than requiring synchronous calls. When his offer was accepted, they booked a forward contract for 60% of the completion sum within 24 hours at AUD/ILS 2.41. By completion six months later, spot had moved to 2.28. The forward had saved him roughly AU$28,000 against floating, and he'd been able to focus on the legal and logistical side of the move without losing sleep over rate alerts.