# Valu vs Telda

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.

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.

## The numbers

| Metric | Valu | Telda |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (454 ratings)](https://appshunter.io/ios/app/valu/id1199345579/reviews) | **[4.8 (2.6K ratings)](https://appshunter.io/ios/app/telda/id1519608437/reviews)** |
| Number of ratings | 454 | **2.6K** |
| Positive reviews | 13.1% of reviews | **40.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 180 MB | 204 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [EFG Hermes](https://appshunter.io/developer/680273409) | [Telda LLC](https://appshunter.io/developer/1513749371) |

## 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


### Telda

[App page](https://appshunter.io/ios/app/telda/id1519608437)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Useful features
- 🚀 Efficient transactions

**What reviewers complain about**

- 🐛 Frequent crashes
- 🔒 Security issues
- 💤 Slow customer support

**Reported bugs**

- Login screen freezes
- Verification code issues
- ATM withdrawal problems

**Requested features**

- Add Apple Pay support
- Improve international payment capabilities
- Provide more transparency on card delivery


## Frequently asked questions

### Is Valu free?

Valu is free to download, with no in-app purchases.

### Is Telda free?

Telda is free to download, with no in-app purchases.

### Which has better reviews, Valu or Telda?

Telda is rated higher. Valu averages 3.3 out of 5 from 454 ratings, while Telda averages 4.8 from 2.6K ratings.

### Do Valu or Telda have ads?

Neither Valu nor Telda shows ads.

### Which is updated more often, Valu or Telda?

Valu ships an update every 5 weeks, and Telda every 3 days. Most recently, Valu was updated on September 25, 2026 and Telda on September 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.*