Valu vs TRU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Buy Now Pay Later (BNPL)
- Instant cash redemption
- Savings solutions
- Investment products
- B2B financial services
- Digitized financial products
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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.
TRU
This app offers a flexible way to manage your finances, allowing you to customize payment plans with options like zero down payment, interest, or fees. It connects you with top merchants in Egypt and provides daily exclusive offers.
- Customizable payment plans (zero down, zero interest, zero fees)
- Access to top merchants in Egypt
- Scan and pay functionality
- Daily exclusive offers
- Secure financial management
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TRU: Redefine Financial Freedom TRU is your ultimate financial partner, designed to put flexibility and control at your fingertips. With TRU, you can customize your financial experience, whether it’s planning your payments, managing purchases, or exploring exciting deals—all while enjoying a seamless and secure app. TRU FLEX: CHOOSE YOUR ZERO The game-changing feature enables you to choose how to pay. Whether you prefer zero down payment, zero interest, or zero fees, TRU Flex empowers you to create a payment plan perfectly aligned with your needs. SHOP FROM EGYPT’S TOP MERCHANTS Access a diverse network of trusted merchants across Egypt. Whether you’re shopping for everyday essentials or high-value items, TRU connects you to the best deals and experiences. EFFORTLESS SCAN AND PAY Simplify your checkout process with TRU’s easy scan-and-pay feature. Complete your transactions quickly and securely with just a few taps. DAILY EXCLUSIVE OFFERS Save more every day with new deals and promotions tailored for you. Manage your finances the right way.. It’s not right unless it’s TRU! Download TRU now
Screenshots
Verdict
The clearest difference is rating: TRU at 4.7 against Valu's 3.3. TRU also leads on update cadence (every 2 weeks vs every 5 weeks) and review sentiment (27% vs 13%). Valu's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
TRU holds the better App Store score, 4.7 against 3.3. Both are backed by a comparable volume of ratings — 454 and 243 respectively. Written reviews point the same way: 13% of Valu's written reviews are positive against 27% of TRU's.
Valu ships an update every 5 weeks, TRU every 2 weeks. The most recent releases landed on September 25, 2026 and September 23, 2026 respectively.
| Parameter | Valu | TRU |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (454 ratings) | 4.7 (243 ratings) — better |
| Positive reviews | 13.1% of reviews | 27.3% of reviews — better |
| Number of ratings | 454 — better | 243 |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 180 MB | 596 MB |
| Age rating | 4+ | 4+ |
| Developer | EFG Hermes | Financial Technologies SAE |
Customer experience
Valu
TRU
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
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- 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 moreShow fewer
- Disable notification pop-ups option
- Account deletion option
- Transparent terms and conditions display
- Enhanced security assurances for user data
TRU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Valu
No in-app purchases
TRU
No in-app purchases







