Valu vs CIB Mobile Banking App
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.
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.
- 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
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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
Verdict
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
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 3.1. 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.
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.
| Parameter | Valu | CIB Mobile Banking App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (454 ratings) — better | 3.1 (122 ratings) |
| Positive reviews | 13.1% of reviews | 39.1% of reviews — better |
| Number of ratings | 454 — better | 122 |
| Update frequency | Every 5 weeks | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 — better | 16 |
| Further details — not scored | ||
| Size | 180 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | EFG Hermes | Commercial International Bank (Egypt) S.A.E |
Customer experience
Valu
CIB Mobile Banking App
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
CIB Mobile Banking App
From 122 App Store ratingsWhat 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 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
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
Valu
No in-app purchases
CIB Mobile Banking App
No in-app purchases









