RiseUp

What RiseUp does

RiseUp is an Israel-based consumer fintech founded in 2020 that provides a personal cash flow management platform to Israeli households and couples. The product aggregates bank and credit card data from all major Israeli financial institutions via open banking APIs (Discount Bank partnership) and credential-based access, then uses ML models and LLM-based AI to categorize transactions, forecast end-of-month cash positions early in the month, surface savings opportunities, and deliver insights through a WhatsApp-native interface alongside iOS, Android, and web apps.

The technology stack runs on Node.js, Vue.js, MongoDB, RabbitMQ, and Redis on AWS Fargate, with Python-based ML/AI services. Beyond the core 55 ILS/month (528 ILS/year) subscription, RiseUp has extended its surface into dynamic savings (distributing provident funds from Israeli insurers), AI-assisted mortgage advisory, and tiered human financial coaching (single sessions up to annual accompaniment with installment plans). The company holds a Financial Information Service Provider License from the Israel Securities Authority and ISO27001:2013 certification.

RiseUp's go-to-market is product-led: a free first-month trial converts to a paid subscription, supported by a Facebook community of tens of thousands of users, Hebrew-language content marketing, webinars, and an ambassador referral program. Revenue is primarily subscription-based with affiliate/commission streams from savings products and mortgage leads. The company is headquartered at HaArbaa 21, Tel Aviv, employs 51–100 people, has raised tens of millions of dollars including a $30M round in April 2022, and is single-geography (Israel-only) with no disclosed international expansion.

Name

RiseUp

Legal name

רייזאפ מומנטס בע"מ

Website

https://riseup.co.il

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

RiseUp is an Israel-based consumer fintech that aggregates bank and credit card data to deliver AI-driven cash flow management, savings tools, mortgage advisory, and financial coaching to Israeli households and couples, primarily via WhatsApp and mobile apps.

Ownership category

akta.pro rank

Product category

Personal Financial Management Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)

akta.pro primary industry

Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI)

akta.pro secondary industries

Corporate & Incentive / Reward Prepaid Programs (FSAMANAD), Lead Generation & List Building Services (Prospecting, Data Sourcing) (BPAFAKAE)

Keywords

• Personal finance management
• Cash flow forecasting
• Open banking integration
• Mortgage advisory services
• Financial coaching platform

Headquarters

HQ city

Tel Aviv

HQ country

Israel

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Subscription Revenue — Cash Flow Management (תזרים): RiseUp's primary revenue stream is monthly/annual subscription fees for its core cash flow management service. Monthly subscription: 55₪/month; Annual subscription: 528₪/year (44₪/month effective). A free first-month trial converts to a paid subscription. The subscription includes full access to cash flow tracking, expense categorization, savings alerts, WhatsApp support, and shared household accounts.
2. Subscription Revenue — Financial Advisory (ליווי כלכלי): RiseUp offers tiered financial advisory services (personal economic accompaniment), ranging from single sessions to full-year accompaniment programs with flexible payment plans up to 12 installments. Pricing is separate from the base subscription.
3. Subscription Revenue — Mortgage Advisory (ייעוץ משכנתאות): RiseUp offers mortgage advisory services with AI-powered analysis of thousands of mortgage options, combined with human advisor guidance through signing. This is a separate paid service from the core subscription.
4. Dynamic Savings (חיסכון דינמי): RiseUp enables opening savings programs (provident funds / קופות גמל להשקעה) offered by insurance companies and investment houses, with preferential terms. Revenue likely comes from commissions from partner financial institutions.
5. Referral/Ambassador Program: RiseUp operates an ambassador program where existing users earn referral bonuses (50₪ per free trial referral, 100₪ per paying subscriber), driving new customer acquisition at a cost-per-acquisition.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

RiseUp is a personal financial management platform for Israeli consumers that connects to users' bank accounts and credit cards to provide automated cash flow tracking, expense categorization, monthly budget forecasting, and savings opportunity detection. The service is delivered through WhatsApp, web, and mobile apps on a subscription basis (55 ILS/month or 528 ILS/year), with additional paid financial advisory and mortgage advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• RiseUp Cash Flow Management Service (תזרים) A subscription-based personal financial management service that automatically synchronizes all Israeli bank accounts and credit cards, categorizes transactions, and builds a predictive monthly budget showing income versus expenses in real time. Includes fixed/variable expense classification, end-of-month forecasting from early in the month, savings opportunity alerts, and overdraft prevention. Available via WhatsApp, web, iOS, and Android. Priced at 55 ILS/month or 528 ILS/year after a free first-month trial.
• RiseUp Dynamic Savings (חיסכון דינמי) A savings product that automatically identifies savings opportunities based on users' spending patterns and available cash flow, then enables users to open provident funds (קופות גמל להשקעה) through partner Israeli insurance companies and investment houses with preferential terms.
• RiseUp Mortgage Advisory (ייעוץ משכנתאות) A separate paid mortgage advisory service that uses AI to analyze thousands of mortgage options across Israeli banks and recommend the most suitable and cost-effective mortgage mix for each user, combined with human advisor guidance through the signing process. Priced separately from the base subscription; users book a free introductory call.
• RiseUp Personalized Financial Advisory (ליווי כלכלי צמוד) A tiered personal financial accompaniment service offering personalized financial coaching and advisory beyond self-service digital tools, ranging from single introductory sessions to full-year accompaniment programs. Includes AI-powered analysis combined with human advisor support. Available with payment plans up to 12 installments. Priced separately from the base subscription.

Quantifiable outcome

• Users save an average of 'extra' (unspecified amount) per month within three months of starting the service
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability6 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• Bank Discount (בנק דיסקונט)coreStrategic or Co-development Partner · 20 October 2020RiseUp partnered with Bank Discount as one of the first fintechs on Israel's open banking platform. Discount Bank's open banking platform allows RiseUp to access customer account data via secure API (OAuth 2.0) without requiring customers to share credentials, making onboarding smoother and more secure for both parties. This was the first open banking partnership of its kind in Israel, announced in October 2020.
• Amazon Web Services (AWS)coreTechnology or IntegrationRiseUp's entire technology infrastructure runs on AWS (Fargate), using Amazon's cloud services for compute, storage, and security. AWS is referenced in the privacy policy as the cloud provider for customer data storage.
• MongoDBcoreTechnology or IntegrationRiseUp uses MongoDB as its primary database system as part of its technology stack, along with RabbitMQ and Redis for messaging and caching.
• Israeli Banks (all major)coreTechnology or IntegrationRiseUp connects to all major Israeli banks (Bank Leumi, Discount Bank, Mizrahi-Tefahot, International Bank, Bank Hapoalim, Bank Yahav) and credit card companies (Cal, Israelcard, Max, American Express, Pepper, Harel, Phoenix) via a combination of open banking APIs and credential-based access, covering virtually all Israeli financial institutions.
• Israeli Credit Card Companies (Cal, Israelcard, Max, Amex, Pepper)coreTechnology or IntegrationRiseUp integrates with all major Israeli credit card issuers to read and categorize transaction data, enabling comprehensive expense tracking across all cards.
• WhatsApp (Meta)coreTechnology or IntegrationRiseUp uses WhatsApp as its primary customer communication and service delivery channel, sending cash flow updates, savings alerts, and support messages via the WhatsApp Business API.
• OpenAI / Claude / Gemini (AI Providers)supportingTechnology or IntegrationRiseUp uses LLM-based AI tools (OpenAI, Claude, Gemini) for financial analysis and chatbot customer support. The privacy policy notes these tools are used in a closed loop, with data not used for model training.
• Israeli Insurance Companies and Investment Houses (for Savings Products)supportingChannel Partner/ Reseller/ DistributorRiseUp's dynamic savings feature enables users to open provident funds (קופות ממל להשקעה) offered by Israeli insurance companies and investment houses through the platform. RiseUp acts as a distribution channel for these financial products.
• PayPalsupportingTechnology or IntegrationPayPal is used as the online payment processor for subscription fees, as stated in the Terms of Use.
• Check Point / Palo Alto NetworkssupportingTechnology or IntegrationRiseUp uses Check Point and Palo Alto Networks cybersecurity technologies to protect its infrastructure, as referenced in the security FAQ.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Albert: Albert is a US fintech combining AI-driven cash flow insights, automated savings, and access to human financial experts via subscription. It is highly comparable to RiseUp's combination of AI cash flow management with optional human advisory at consumer price points.
• Monarch Money: Monarch Money is a subscription-based consumer PFM platform offering cash flow, budgeting, and financial planning tools via bank account aggregation. It competes with RiseUp in the recurring-subscription PFM category with similar target users (households seeking visibility and control).
• YNAB (You Need A Budget): YNAB is a subscription-based budgeting app focused on zero-based budgeting and proactive spending control for households. It shares RiseUp's subscription PFM model and core value proposition of helping consumers prevent overspending, though it is more budgeting-rule-driven than AI-driven.
• Cleo: Cleo is a US-based AI chatbot for personal finance management that connects to bank/credit card accounts, automates budgeting and savings, and offers cash flow insights through a chat interface. It directly parallels RiseUp's AI-powered, conversational cash flow management model, although it operates in the US rather than Israel.
• Plum: Plum is a UK-based AI-driven personal finance app that connects to bank accounts, automates savings, and offers spending insights. It parallels RiseUp's automated savings detection and bank-aggregation cash flow management, primarily serving a UK customer base.
• Rocket Money: Rocket Money (formerly Truebill) is a US subscription PFM service that aggregates financial accounts, tracks cash flow, identifies subscriptions, and negotiates bills on behalf of users. It mirrors RiseUp's subscription-based consumer PFM model with bank account aggregation and proactive savings recommendations.
• Empower Personal Dashboard: Empower offers a free personal financial management dashboard with cash flow tracking, budgeting, and net worth monitoring via bank account aggregation. It is comparable to RiseUp in targeting mass-market consumers seeking visibility into spending across accounts, although it is US-focused and free.

Regional players

• The Floor (Israeli fintech community) / Tarya: Tarya (formerly known as investment platform providers in the Israeli market) is an Israel-based consumer fintech operating in personal investment and financial services. It is a regional peer competing in the same Israeli household finance market with overlapping customer profiles.

Broad incumbents

• MoneyLion: MoneyLion is a US consumer fintech platform offering banking, lending, investing, and financial tracking tools under one app. It overlaps with RiseUp's cash flow management and savings products but operates at significantly larger scale across multiple financial product categories.
• Bank Hapoalim (mobile banking PFM): Bank Hapoalim is Israel's largest bank and operates an AI-augmented mobile banking app with built-in PFM, budgeting, and cash flow tools. It represents the bank-led PFM alternative that RiseUp must compete against for Israeli household financial management mindshare.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/riseup_israel
• YouTubeyoutube.com/channel/UC5bxJrVYLx_dl-d2tamkrIg
• Facebookfacebook.com/riseupisrael
• LinkedInlinkedin.com/company/riseupisrael

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RiseUp