Invoice without opening a business
The complete guide to the employee-invoice model · how it works, what it costs and the law.
Read moreFreelance without opening a business accountGet paid to your own bank account · no business account, no Osek file
You don't need to open a business account, register as an Osek, or set up anything at the bank to get paid for freelance work in Israel. NETO invoices your client, and the money reaches you as a salary in your personal bank account · with a payslip and full social benefits.
Sign up · invoice in 5 minutes
Operating since 2016
AI summary · freelancing without a business accountClick to read the page summary
You can freelance and get paid in Israel without opening a business account or an Osek file. You register with NETO, enter your client and the amount, and NETO issues the tax invoice on your behalf. When the client pays, you receive the money as a salary · straight into your existing personal bank account · with a payslip and social benefits. There is no separate business bank account to open, no bookkeeping and no annual return. The whole model is lawful, under Manpower Contractor Licence 1565 and Ministry of Labor supervision. NETO's fee is 5% of the invoice, before VAT.
- Paid to your personal account · no business account needed.
- No Osek file · neither Murshe nor Patur, and no bank paperwork.
- NETO issues the invoice to your client for you.
- Licence 1565 · lawful, supervised, with a payslip.
This summary is based on the content of this page
Do I need a business bank account to invoice a client in Israel?
No. Opening an Osek file does not require a business bank account, and through NETO you don't open an Osek file at all. You register, NETO sends your client a tax invoice on your behalf, and once they pay you receive the money as a salary in your own personal bank account · with a payslip, pension and National Insurance. No business account, no bookkeeping, no accountant · under Manpower Contractor Licence 1565 and Ministry of Labor supervision. The fee is 5% of the invoice, before VAT, and there is no subscription.
Business account vs Osek file · what you actually need
Two things get confused here. A business bank account is a separate account some banks push on the self-employed. An Osek file (Osek Murshe or Osek Patur) is your registration as self-employed with the Tax Authority, VAT and National Insurance. Many people who just want to invoice one client assume they have to set up both · and neither is true when you work through NETO.
Through NETO you keep using your ordinary personal bank account. NETO is your employer of record for the engagement, issues the invoice to your client, and pays you a salary into that personal account. Nothing opens at the bank, nothing opens at the Tax Authority.
The NETO solution · invoicing without a business account
NETO lets you invoice your client with no business account and no Osek file. It works in three moves:
- We issue the invoice: a proper tax invoice goes to your client in NETO's name, for the amount you agreed.
- You get a salary: once the client pays, you receive a payslip and the money lands in your personal bank account.
- Fully lawful: everything is done by the book, protecting both you and your client.
Who benefits from this
Invoicing without a business account fits anyone who bills occasionally, or steadily, but doesn't want the overhead of self-employment:
Designers & creators
Did one job for a company and need to invoice it · without opening anything.
Developers & consultants
A small project or ongoing work · invoice quickly, get paid to your own account.
Tutors, trainers, therapists
Any service paid per session fits · no business account, no bookkeeping.
People already employed
Earning on the side and don't want a second file open · read about tax on a second income.
How it works · 4 steps
1Register
Sign up online in minutes with your basic details and your personal bank account · fully digital.
2Create a work order
Enter the client and the amount. The system shows your net pay after tax and contributions before you commit.
3The invoice goes out
NETO sends your client a tax invoice with all the details, for the amount you set.
4You're paid
Once the client pays, you get a payslip and the money reaches your personal account, with full protections.
Personal account through NETO vs opening a business
| What you deal with | NETO · personal account | Opening an Osek yourself |
|---|---|---|
| Business bank account | Not needed · your personal account | Often pushed by the bank |
| Osek file at the Tax Authority | None | Osek Murshe / Patur registration |
| Bookkeeping & annual return | NETO handles it | Yours to file, or an accountant's fee |
| Payslip & social benefits | Yes · pension & National Insurance | You arrange your own |
| Time to first invoice | About 5 minutes | Days to weeks of setup |
| Cost | 5% per invoice, before VAT | Accountant + fees, monthly |
The benefits
- Your own account: paid to the personal bank account you already have · nothing new to open.
- Fast: register in minutes, issue an invoice in about five, get paid quickly.
- Lawful: NETO operates under a Ministry of Economy and Labor licence · a legal, secure route.
- Social protection: a payslip with the rights due to you · pension and National Insurance included.
- A low fee: 5% on each invoice, before VAT · no subscription, no minimum, no commitment.
Watch · how it works
Two minutes that show the whole model, start to finish.
Questions and answers
Do I need to open a business bank account?
No. You are paid as a salary into your ordinary personal bank account. There is no separate business account to open, because NETO · not you · is the party issuing the invoice.
Is this legal?
Yes. NETO holds Manpower Contractor Licence no. 1565 from the Ministry of Economy and Labor and employs you for the engagement with a proper payslip. You can verify the licence in the public registry.
How much does it cost?
A fee of 5% on each invoice you issue, derived from the invoice amount your client pays, before VAT. No subscription, no minimum and no commitment · registration is free.
Is it only for one-off jobs?
No. It works for a single job or ongoing work with the same client · read about salary against an invoice for the regular-work case.
Do I still get social rights?
Yes. You are employed by NETO for the engagement, so National Insurance, pension and severance provisions are calculated and you receive a proper payslip · subject to the terms of the engagement and Israeli law.
How is this different from opening an Osek?
An Osek makes you self-employed · your own registration, bookkeeping, returns and often a business account. Through NETO you stay an employee for the engagement, keep your personal account, and NETO carries the paperwork. See the full invoice-without-a-business guide.
Summary
- You are paid to your personal bank account · no business account to open.
- No Osek file, no bookkeeping and no annual return · NETO issues the invoice for you.
- Register in minutes, invoice in about five · a 5% fee before VAT, nothing else.
- Lawful and supervised · Manpower Contractor Licence 1565, operating since 2016. Questions? Talk to us.
Ready to invoice · with no business account?
Sign up, create a work order, and issue your invoice in minutes. The payment reaches your personal account with a payslip · nothing to open at the bank.
More guides you might find useful
Freelance without opening a business
Everything a freelancer needs · invoices, a payslip, social rights and full support.
Read more
Salary against an invoice
Working regularly with one client · how ongoing payment against an invoice works.
Read more
Issuing a one-time invoice
A single job that needs an invoice · here is how to issue one within minutes.
Read moreOur manpower licence 1565
What the licence means, why it matters, and how to verify it yourself.
Read more
How it works at NETO
The law requires 6% · at NETO it is 8.33%
6%The employer's duty under the extension order
8.33%What NETO actually contributes
The mandatory pension extension order obliges every employer to contribute 6% of salary to the severance component, and section 14 of the Severance Pay Law applies to that money automatically. NETO contributes the full severance component by default · 8.33% · so the ongoing contribution replaces severance pay in full and no top-up is due when the employment ends. An employer contributing less than 8.33% must top up severance at the end of the employment relationship.
The one exception
Section 14 and the sources in the labour law centre →
A worker who declares they have no active pension fund, in a one-off engagement · there the contribution obligation begins only after six months of work. A worker with an active pension arrangement is entitled from day one, with contributions made retroactively after three months or at the end of the tax year, whichever is earlier.
General information · not legal advice. The binding text is the statute and the extension order themselves.
