# Valu vs ElGameya

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 10 days vs every 5 weeks). Valu's advantage is ratings volume (457 vs 13). On price, ads, in-app purchases and monetization model there is nothing between them.

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

ElGameya holds the better App Store score, 4.3 against 3.3. That said, the two scores are not equally well evidenced: Valu has 457 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.

Valu ships an update every 5 weeks, ElGameya every 10 days. Both last shipped on October 24, 2026.

## The numbers

| Metric | Valu | ElGameya |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (457 ratings)](https://appshunter.io/ios/app/valu/id1199345579/reviews) | **[4.3 (13 ratings)](https://appshunter.io/ios/app/elgameya/id1317606732/reviews)** |
| Number of ratings | **457** | 13 |
| Positive reviews | 13.1% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 180 MB | 79 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [EFG Hermes](https://appshunter.io/developer/680273409) | [ElGameya](https://appshunter.io/developer/1598757149) |

## What reviewers say

### Valu

[App page](https://appshunter.io/ios/app/valu/id1199345579)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 💸 Hidden fees and excessive charges
- 📈 High interest rates (35-40%)
- 🐢 Extremely slow app performance
- 😤 Poor customer service quality
- 🔒 Privacy and security concerns

**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

**Requested features**

- Auto calculator for installment planning
- Early debt settlement option
- Partial payment functionality
- Better product browsing and online purchasing
- Improved Arabic language support


### ElGameya

[App page](https://appshunter.io/ios/app/elgameya/id1317606732)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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 457 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 10 days. Most recently, Valu was updated on October 24, 2026 and ElGameya on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*