Comparison

Valu vs CIB Mobile Banking App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Buy Now Pay Later (BNPL)
  • Instant cash redemption
  • Savings solutions
  • Investment products
  • B2B financial services
  • Digitized financial products
Features
Read full description

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.

About

CIB Mobile Banking App

A redesigned mobile banking application offering an intuitive, user-friendly, and secure platform. Manage accounts, cards, investments, and payments with enhanced functionality and seamless navigation. Save time and gain control over your finances anytime, anywhere.

Highlights
  • Intuitive and modern interface
  • Biometric login (fingerprint/face-ID)
  • Comprehensive account management
  • Full card control and activation
  • Seamless money transfers (domestic & international)
  • Bill and charity payments
  • Investment portfolio management
Features
Read full description

The CIB Mobile Banking app just got even better and has been completely redesigned to offer a more intuitive, user-friendly, and secure banking experience! Here's what's new: **Sleek and Modern Design: Enjoy a fresh and intuitive interface for easy navigation of your finances. ** Enhanced Functionality: Access all your banking needs in one place, from managing Accounts, Cards, Investments, and Payments to Transfers. * Seamless Navigation: Find what you need quickly with streamlined menus and intuitive navigation. ** Benefits: * Save Time: Manage your finances on the go, anytime, anywhere. * Simplify Banking: Enjoy a more convenient and efficient way to bank. * Gain Control: Take charge of your finances with easy-to-use tools and features. ** Features & Services: * Easy Login: Use biometrics (fingerprint or face-ID) for quick access. * Account Management: Open Accounts, view balances, accounts’ statements, transactions, and product details. * Card Management: More control over your card management online, replace and stop cards, and activate cards. * Credit Card Management: View credit cards’ balance, credit left to use, details, and transactions, and manage direct debit. * Transfers: Instant money transfer inside Egypt, Transfer money within and outside Egypt, settle credit cards, and schedule one-time or recurring transfers. * Payments: Bill & Charity payments. * Products: Apply for credit cards, overdrafts, and loans. * Investment: Manage your investment portfolio online, Buy/Sell Funds, Certificates/Time Deposits. ** Additional Services: Quick Cash, view statements, subscribe to e-statements, request chequebooks, locate branches/ATMs, currency converter, and more. Download the CIB Mobile Banking app to manage all your banking needs conveniently in one place. Optimized for use with iOS 16.0 or later.

Screenshots

Valu4 screens
CIB Mobile Banking App4 screens

Verdict

The call

Valu and CIB Mobile Banking App both sit at 3.3 stars, but that hides the real split: 39% of CIB Mobile Banking App's written reviews are positive against 13% of Valu's. Valu's advantage is ratings volume (454 vs 122). On price, rating, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Valu holds the better App Store score, 3.3 against 3.1. Both are backed by a comparable volume of ratings — 454 and 122 respectively. Written reviews complicate that: 13% of Valu's written reviews are positive against 39% of CIB Mobile Banking App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Valu ships an update every 5 weeks, CIB Mobile Banking App monthly. The most recent releases landed on August 18, 2026 and September 23, 2026 respectively.

Scorecard2 real differences · 8 level
Valu versus CIB Mobile Banking App: the parameters behind the verdict, then further details
ParameterValuCIB Mobile Banking App
PriceFreeFree
Rating3.3 (454 ratings) — better3.1 (122 ratings)
Positive reviews13.1% of reviews39.1% of reviews — better
Number of ratings454 — better122
Update frequencyEvery 5 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.6 — better16
Further details — not scored
Size180 MB57 MB
Age rating4+4+
DeveloperEFG HermesCommercial International Bank (Egypt) S.A.E

Customer experience

Valu

All ratings454 ratings
Positive55.7%
Neutral3.3%
Negative41.0%
Written reviews61 reviews
Positive13.1%
Neutral3.3%
Negative83.6%

CIB Mobile Banking App

All ratings122 ratings
Positive51.6%
Neutral4.9%
Negative43.4%
Written reviews69 reviews
Positive39.1%
Neutral8.7%
Negative52.2%

User reviews

Valu

From 454 App Store ratings

What 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

CIB Mobile Banking App

From 122 App Store ratings

What we love

  • 👍 Intuitive and user-friendly
  • 🚀 Stable and better performance
  • 💡 Much-needed improvement over old app

Room to improve

  • 🐛 App crashes and freezes
  • 🐛 Unable to view transaction history and account balances
  • 🐛 Redirection to external websites with 404 errors

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 more
  • 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 more
  • Disable notification pop-ups option
  • Account deletion option
  • Transparent terms and conditions display
  • Enhanced security assurances for user data

CIB Mobile Banking App

Reported bugs

2 issues
  • App not working for users with developer mode enabled
  • Inability to scroll or interact with home page

Requested features

3 requests
  • Allow login with biometrics (FaceID, fingerprint)
  • Eliminate mandatory password changes every 6 months
  • Integrate bonus program within the app

In-app purchases

None

Valu

No in-app purchases

None

CIB Mobile Banking App

No in-app purchases

Questions

Is Valu free?
Valu is free to download, with no in-app purchases.
Is CIB Mobile Banking App free?
CIB Mobile Banking App is free to download, with no in-app purchases.
Which has better reviews, Valu or CIB Mobile Banking App?
Valu is rated higher. Valu averages 3.3 out of 5 from 454 ratings, while CIB Mobile Banking App averages 3.1 from 122 ratings.
Do Valu or CIB Mobile Banking App have ads?
Neither Valu nor CIB Mobile Banking App shows ads.
Which is updated more often, Valu or CIB Mobile Banking App?
Valu ships an update every 5 weeks, and CIB Mobile Banking App monthly. Most recently, Valu was updated on August 18, 2026 and CIB Mobile Banking App on September 23, 2026.

Other comparisons