Valu vs Mogo
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.
Mogo
This consumer finance platform offers flexible payment solutions to help users manage their budgets and enhance their shopping experience. It provides a Buy Now, Pay Later (BNPL) option for streamlined cash-flow management and financial empowerment.
- Flexible payment options
- Buy Now, Pay Later (BNPL)
- Budget management
- Streamlined cash-flow
- User-friendly interface
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Mogo is a consumer finance platform powered by MIDBANK, designed to serve as a reliable financial partner in a dynamic and evolving economy. Built with agility at its core, Mogo adapts seamlessly to changing market conditions, delivering innovative and user-friendly solutions that enable customers to manage their budgets with confidence. Through fast, flexible, and convenient payment options, Mogo helps users stay in control of their finances while elevating their overall shopping experience. With its Buy Now, Pay Later (BNPL) offering, Mogo streamlines cash-flow management by providing smart, flexible solutions that empower users to choose the right balance between immediate payments and deferred financing—supporting a more convenient and financially empowered lifestyle.
Screenshots
Verdict
The clearest difference is ads: Valu at none against Mogo's shown. Valu also leads on ratings volume (458 vs 20) and rating (3.3 vs 3.0). Mogo's advantage is update cadence (every 10 days vs every 5 weeks). On price and in-app purchases 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.
Valu holds the better App Store score, 3.3 against 3.0. That said, the two scores are not equally well evidenced: Valu has 458 ratings behind it against 20, so its average is the more settled of the two.
Valu ships an update every 5 weeks, Mogo every 10 days. The most recent releases landed on November 4, 2026 and November 12, 2026 respectively.
| Parameter | Valu | Mogo |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (458 ratings) — better | 3.0 (20 ratings) |
| Positive reviews | 12.7% of reviews | — |
| Number of ratings | 458 — better | 20 |
| Update frequency | Every 5 weeks | Every 10 days — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 17.6 |
| Further details — not scored | ||
| Size | 180 MB | 63 MB |
| Age rating | 4+ | 4+ |
| Developer | EFG Hermes | Mid Takseet |
Customer experience
Valu
Mogo
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
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- Disable notification pop-ups option
- Account deletion option
- Transparent terms and conditions display
- Enhanced security assurances for user data
Mogo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Valu
No in-app purchases
Mogo
No in-app purchases
