Valu vs Telda
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.
Telda
Manage your finances with an all-in-one app. Send, spend, save, and invest money easily. Get a customizable card, track expenses, and earn rewards. Securely manage your accounts with instant notifications and biometric protection.
- Instant money transfers
- Zero commission stock and mutual fund investing
- Customizable debit card
- Expense tracking and budgeting
- Earn and redeem loyalty points
- Biometric security features
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Money Reimagined! The easiest way to send, spend, save, invest and track your money. Download app, open your account & get your card instantly - no endless queues, no paperwork, no fuss. Order your Telda Card directly from the App. Use your card anywhere, anytime, online and in-store. Invest in Stoks and Mutual funds: - Zero Commission: Keep 100% of your gains with 0% commission on all buys and sells. - Real-Time Prices: Stay on top of the market with live, to-the-second data. - Same-Day Trading: Don't wait around, execute your trades instantly. - Instant Money Transfers: Move your money with instant deposits and cash-outs. - Zero Subscriptions: Experience premium investing with absolutely no hidden fees or monthly costs. Customize your card: - Customizable cards with bold color choices. - Add a bit of personality to your card. Sign it, doodle it & add your favorite stickers. Send & receive money instantly: - Send & receive money from friends and family instantly with only a few taps for free. Insights: - Personalize your insights experience and create categories based on your day to day expenses. - Receive instant notifications on all account activity so you know what's happening with your account 24/7. - Plan monthly budgets and track your spendings accordingly. Stay Secured: - Protect all of your payments with a passcode, TouchID, or FacelD. - Lock & Unlock your card in a single tap through the app. - All of your information is stored securely. By law and under Central Bank of Egypt regulations, your money is protected by licensed banks. Points: - Earn Telda Points with every purchase and redeem them with cash & a variety of vouchers from top brands. - Make the most out of your spending & earn 3x more Points with each purchase. If you want to know more about Telda, please visit us at: Facebook: https://www.facebook.com/teldaApp/ Instagram: https://www.instagram.com/teldaApp/ Twitter: https://www.twitter.com/teldaApp/ Linkedin: https://www.linkedin.com/company/telda/
Screenshots
Verdict
The clearest difference is rating: Telda at 4.8 against Valu's 3.3. Telda also leads on update cadence (every 3 days vs every 5 weeks) and review sentiment (40% vs 13%). Valu's advantage is monetization model (free vs free with in-app purchases). On price, ads, 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.
Telda holds the better App Store score, 4.8 against 3.3. That said, the two scores are not equally well evidenced: Telda has 2.6K ratings behind it against 454, 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 40% of Telda's.
Valu ships an update every 5 weeks, Telda every 3 days. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.
| Parameter | Valu | Telda |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (454 ratings) | 4.8 (2.6K ratings) — better |
| Positive reviews | 13.1% of reviews | 40.4% of reviews — better |
| Number of ratings | 454 | 2.6K — better |
| Update frequency | Every 5 weeks | Every 3 days — better |
| Ads | No | No |
| 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 | 204 MB |
| Age rating | 4+ | 4+ |
| Developer | EFG Hermes | Telda LLC |
Customer experience
Valu
Telda
User reviews
Valu
From 454 App Store ratingsWhat we love
- 💡 Innovative installment payment concept
- ⚡ Instant approval for eligible customers
- 🛍️ Exclusive offers and partnerships
- 👍 Easy registration process for some users
- 🎯 Lifestyle enablement through flexible payments
Room to improve
- 💸 Hidden fees and excessive charges
- 📈 High interest rates (35-40%)
- 🐢 Extremely slow app performance
- 😤 Poor customer service quality
- 🔒 Privacy and security concerns
Telda
From 2.6K App Store ratingsWhat we love
- 👍 Easy to use
- 💡 Useful features
- 🚀 Efficient transactions
Room to improve
- 🐛 Frequent crashes
- 🔒 Security issues
- 💤 Slow customer support
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 moreShow fewer
- 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
Telda
Reported bugs
3 issues- Login screen freezes
- Verification code issues
- ATM withdrawal problems
Requested features
3 requests- Add Apple Pay support
- Improve international payment capabilities
- Provide more transparency on card delivery
In-app purchases
Valu
No in-app purchases
Telda
No in-app purchases
