Comparison

Valu vs ElGameya

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Valu

This app offers a comprehensive suite of digital financial solutions, including Buy Now Pay Later, instant cash redemption, savings, and investment products. It aims to empower individuals and businesses with financial inclusion through a single, powerful platform.

Highlights
  • Buy Now Pay Later (BNPL)
  • Instant cash redemption
  • Savings solutions
  • Investment products
  • B2B financial services
  • Digitized financial products
Features
Read full description

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.

About

ElGameya

Digitize traditional money cycles with a user-friendly platform for saving and financial control. Easily set savings amounts, durations, and receive cashouts hassle-free. Prioritizes security and compliance with financial regulations.

Highlights
  • Digitize traditional money cycles (ROSCA)
  • User-friendly savings platform
  • Set custom savings amounts and durations
  • Automated cycle matching
  • Multiple payment methods
  • Secure financial environment
  • Dedicated support team
Features
Read full description

ElGameya is a fintech startup that digitizes the traditional money cycles also known as ROSCA by offering a fully digital and user-friendly platform that provides you with a fast and convenient way to save money and be in control of your finances. Our platform is designed with ease of use in mind, making it accessible and user-friendly for everyone. You can easily specify the amount you need, the duration of the cycle, and choose your desired slot. Our platform automatically adds you to a cycle that fits your criteria. You can pay monthly through the app with various payment methods available, and receive your cashout during the slot you specified; making it fast and hassle-free. At ElGameya, we prioritize your security and privacy. Our state-of-the-art technology and compliance with all financial regulatory authorities ensure a secure environment for your money. Our support teams are always available to provide you with superior support through various outreach channels. Join us today and experience a new way of saving money with ease and convenience. ElGameya - Your Savings, Your Way. الجمعية، هي شركة ناشئة في مجال التكنولوجيا المالية، بتحوّل جمعيات التحويش التقليدية بانها تكون بطريقة الكترونية من خلال ابليكيشن ، إللي بيوفرلك طريقة سريعة وسهلة للتوفير والتحكم في فلوسك. الابليكيشن بيتميز بالسهولة واليسر في الاستخدام، إللي بيخلّي كل الناس تقدر تستخدمه بتقدر تحدد المبلغ اللي عايز تقبضة، ومدة الجمعية، وميعاد قبضك. الابليكيشن بيضيفك تلقائياً لجمعية تناسب مواصفاتك، وبتقدر تدفع كل شهر عن طريق الابليكيشن، بأي طريقة دفع تناسبك، وتستلم فلوسك في الفترة اللي اخترتها، وكل ده بيخلّي الموضوع سريع ومريح. في الجمعية، الأمان والخصوصية بتاعتك بتهمنا، وبنقدّملك بيئة آمنة لفلوسك، بتكنولوجيا حديثة ومطابقة لكل الأنظمة المالية. وفريق الدعم بيبقى متاح دايمًا، بكل الطرق المختلفة. تعالى اشترك معانا وجرّب تجربة جديدة لتوفير فلوسك بسهولة وراحة.

Screenshots

Valu4 screens
ElGameya4 screens

Verdict

The call

The clearest difference is rating: ElGameya at 4.3 against Valu's 3.3. ElGameya also leads on review sentiment (50% vs 13%) and update cadence (every 9 days vs every 5 weeks). Valu's advantage is ratings volume (454 vs 13). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ElGameya holds the better App Store score, 4.3 against 3.3. That said, the two scores are not equally well evidenced: Valu has 454 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 13% of Valu's written reviews are positive against 50% of ElGameya's.

UpkeepUpdate frequency

Valu ships an update every 5 weeks, ElGameya every 9 days. The most recent releases landed on September 25, 2026 and September 2, 2026 respectively.

Scorecard4 real differences · 6 level
Valu versus ElGameya: the parameters behind the verdict, then further details
ParameterValuElGameya
PriceFreeFree
Rating3.3 (454 ratings)4.3 (13 ratings) — better
Positive reviews13.1% of reviews50.0% of reviews — better
Number of ratings454 — better13
Update frequencyEvery 5 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size180 MB78 MB
Age rating4+17+
DeveloperEFG HermesElGameya

Customer experience

Valu

All ratings454 ratings
Positive55.7%
Neutral3.3%
Negative41.0%
Written reviews61 reviews
Positive13.1%
Neutral3.3%
Negative83.6%

ElGameya

All ratings13 ratings
Positive84.6%
Neutral0.0%
Negative15.4%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

Valu

Reported bugs

12 issues
  • 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
Show 7 more
  • 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

Requested features

9 requests
  • Auto calculator for installment planning
  • Early debt settlement option
  • Partial payment functionality
  • Better product browsing and online purchasing
  • Improved Arabic language support
Show 4 more
  • Disable notification pop-ups option
  • Account deletion option
  • Transparent terms and conditions display
  • Enhanced security assurances for user data

ElGameya

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Valu

No in-app purchases

None

ElGameya

No in-app purchases

Questions

Is Valu free?
Valu is free to download, with no in-app purchases.
Is ElGameya free?
ElGameya is free to download, with no in-app purchases.
Which has better reviews, Valu or ElGameya?
ElGameya is rated higher. Valu averages 3.3 out of 5 from 454 ratings, while ElGameya averages 4.3 from 13 ratings.
Do Valu or ElGameya have ads?
Neither Valu nor ElGameya shows ads.
Which is updated more often, Valu or ElGameya?
Valu ships an update every 5 weeks, and ElGameya every 9 days. Most recently, Valu was updated on September 25, 2026 and ElGameya on September 2, 2026.

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