# Valu

> Universal financial technology platform for individuals and businesses. (iPhone/iPad app by EFG Hermes.)

- Source: https://appshunter.io/ios/app/valu/id1199345579 (this page in markdown: same URL + `.md`)
- Developer: [EFG Hermes](https://appshunter.io/developer/680273409)
- Category: Finance
- Price: Free
- Rating: 3.30/5 from 454 App Store ratings · 61 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 180 MB
- Languages: American English
- Released: 2017-12-17
- Data updated: 2026-08-18
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/valu/id1199345579/reviews.md

## What is Valu?

Valu is a Universal Financial Technology Powerhouse, providing cutting-edge financial solutions and services that empower individuals to pursue their aspirations.

We developed our offerings to provide you with everything you need through one platform. Our expanded suite of fully digitized products and services will empower individuals and businesses and foster financial inclusion.



Besides the BNPL, Valu offers an instant cash redemption program, savings solution, investment products, B2B services and more. Hence, it was about time for Valu to undergo a brand restructuring to reflect the breadth and depth of its brand portfolio, and its current position as a universal financial technology powerhouse.

## Key features

- Buy Now Pay Later (BNPL)
- Instant cash redemption
- Savings solutions
- Investment products
- B2B financial services
- Digitized financial products

## What do users think of Valu?

Overall sentiment: negative

**Pros**

- 💡 Innovative installment payment concept
- ⚡ Instant approval for eligible customers
- 🛍️ Exclusive offers and partnerships
- 👍 Easy registration process for some users
- 🎯 Lifestyle enablement through flexible payments

**Cons**

- 💸 Hidden fees and excessive charges
- 📈 High interest rates (35-40%)
- 🐢 Extremely slow app performance
- 😤 Poor customer service quality
- 🔒 Privacy and security concerns
- 😠 Misleading marketing and false discounts
- ❌ Dishonest business practices
- 🚫 Account blocking without explanation
- 💔 Inability to settle debts early
- 🌍 Limited language support (Arabic UI issues)

**Commonly reported bugs**

- App crashes when capturing photos in Invoice Now
- App crashes when clicking multiple items in succession
- Extremely slow loading times
- App fails to load after updates
- Login/sign-up OTP code failures
- Password validation errors
- Missing or incomplete UI text
- Product browse functionality not working
- Buy button greyed out
- Forced logout after crashes
- App won't open without update
- Notification pop-ups appear constantly

**Most requested features**

- Auto calculator for installment planning
- Early debt settlement option
- Partial payment functionality
- Better product browsing and online purchasing
- Improved Arabic language support
- Disable notification pop-ups option
- Account deletion option
- Transparent terms and conditions display
- Enhanced security assurances for user data

## Recent user reviews (10 of 61)

All indexed reviews: https://appshunter.io/ios/app/valu/id1199345579/reviews.md

### 3/5 — Invoice now problem

*2025-12-08*

Everyone I try to use invoice now in sha2lapaz and try to capture a photo. The app crashes and I think it’s a bug. That’s what made me use invoice later by mistake. I want someone to help me and convert my invoice later transaction to invoice now. Please help.

### 1/5 — Bad service, high interest, hidden fees .really disappointed

*2025-10-31, version 10.4.0*

Bad service, high interest, hidden fees .really disappointed

### 1/5 — Horrible Customer service

*2025-10-28*

Can’t reach a proper customer service representative, and the email support is a robot and it is difficult to reach anyone that can actually know how to talk to clients.

### 1/5 — اسوا خدمة عملاء واسوا برنامج

*2025-10-25, version 10.2.0*

منصحش حد بيه ابدا وكانت تجربه سيئه جدا في التعامل معاهم … خاصتا ان معندهمش ولا خطة ولا احترافيه واسلوب وحش جدا

### 1/5 — سيء

*2025-01-02, version 8.5.0*

خدمه عملاء من اسوا ما يكون غير فايده مرعبه ورسوم غير الفايده ان شاء الله نخلص وتبقي اخر مره علي مدار يومان بحاول اكلم خدمه عملاء او خدمه تعديب العملاء لا يوجد رد

### 1/5 — مش بتفتح الآب

*2024-10-18, version 8.3.0*

الآب مش بتفتح خالص حرام عليكم مش بعرف ادفع واعرف ايه اللي علي

### 1/5 — A disgrace for a service!

*2024-04-12*

First of all i would lime to say that i have been using valu for over a year now and clearly they only care for the company and not the consumer what so ever!
They blocked my account for no reason and only demands to pay-up the monthly dues and not to make any further purchases after granting them 7%+ intrest   rate for over a year now. They did not inform me that they will do so and their customer service agent simply told me if you don't like it just leave us. And now they are avoiding me completly over all their contacts. So simply i have filed a report for the consumer protection agency in Egypt and i will be hearing from them soon. Have a nice time toying with your customers around more.

**Developer response:** Hi Al-Hussein, we are sorry to hear about this experience. Please reach out to us via valU_OnlineSupport@valu.com.eg and we will be happy to help you.

### 1/5 — Worst decision in my life

*2024-03-06*

This app takes up to 40% interest I wouldn’t recommend using it, your almost paying 1.5x the thing you bought

**Developer response:** Hi Waleed,
We are sorry to hear about this experience. Please reach out to us via valU_OnlineSupport@valu.com.eg and we will be happy to help you.

### 1/5 — Scammers

*2023-12-10, version 7.2.2*

Beware of using Sh2lbaz, it’s a scam. They don’t transfer the amount and you pay them as dues without getting them refunded.

### 1/5 — Slow

*2023-09-01*

With every update the app becomes even worse it’s super slow and takes a loooooonggg time to load and sometimes the loading just fails which is frustrating when I’m trying to pay my due 
This recent update is by far the worst the app pretty much doesn’t load

**Developer response:** Hi There, 

We are sorry to hear about this experience. Please reach out to us via valU_OnlineSupport@valu.com.eg and we will be happy to help you.

## Frequently asked questions about Valu

### What does Valu do?

Valu is a universal financial technology platform that provides a wide range of digital financial solutions. It aims to empower individuals and businesses by offering services like Buy Now Pay Later, instant cash redemption, savings options, and investment products all within a single platform.

### What are the key features of Valu?

Key features include Buy Now Pay Later (BNPL) options, an instant cash redemption program, savings solutions, and various investment products. The app also offers B2B services and a suite of fully digitized financial products designed to foster financial inclusion.

### Is Valu free to use?

Based on the provided information, the app is categorized as 'free'. This suggests that the core platform and its services are available without an upfront cost, though specific financial products or transactions may have associated fees or terms.

### Who is Valu designed for?

This app is designed for both individuals and businesses looking for comprehensive and accessible financial tools. It caters to users who want to manage their finances, pursue financial goals, and benefit from digitized financial services through a single, integrated platform.

## Version history (last 5 releases)

### 10.5.0 — 2026-08-09

We've eased your access to everything with a redesigned top-right menu, introduced El-Gameya through the Menu for eligible customers, and enhanced the Offers experience.

### 10.4.6 — 2026-05-21

You can now track your prepaid card transactions with full clarity.

### 10.4.5 — 2026-05-20

You can now track your prepaid card transactions with full clarity.

### 10.4.4 — 2026-03-08

As part of our continuous strive for improvement, we've fixed some bugs to make your experience even better.

### 10.4.3 — 2026-01-25

Introducing the Valu Help Center, Sha2labaz on prepaid card, and Flexible Payments.
Enjoy better support, easier access, and more control over your cash flow.

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All apps by EFG Hermes: https://appshunter.io/developer/680273409

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-18.*