# Valu vs MoneyNotes+

The clearest difference is review sentiment: MoneyNotes+ at 100% against Valu's 13%. MoneyNotes+ also leads on rating (5.0 vs 3.3) and update cadence (every 2 weeks vs every 5 weeks). Valu's advantage is in-app purchases (none vs 3) and ratings volume (454 vs 2). On price, ads and iOS requirement there is nothing between them.

Both are free to download. MoneyNotes+ sells 3 in-app purchases, starting at $4.99 per month. Valu asks for nothing beyond the download.

MoneyNotes+ holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: Valu has 454 ratings behind it against 2, 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 100% of MoneyNotes+'s.

Valu ships an update every 5 weeks, MoneyNotes+ every 2 weeks. The most recent releases landed on August 18, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | Valu | MoneyNotes+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (454 ratings)](https://appshunter.io/ios/app/valu/id1199345579/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/moneynotes-plus/id6758619999/reviews)** |
| Number of ratings | **454** | 2 |
| Positive reviews | 13.1% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | **Free** | Freemium |
| Size | 180 MB | 80 MB |
| Requires iOS | **15.6** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [EFG Hermes](https://appshunter.io/developer/680273409) | [Ahmed Shalash](https://appshunter.io/developer/1873985501) |

## 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


### MoneyNotes+

[App page](https://appshunter.io/ios/app/moneynotes-plus/id6758619999)

Effortlessly track expenses by speaking your transactions. This app uses AI to transcribe and categorize your spending, offering visual financial insights and budget management. Organize finances with multiple wallets and secure sign-in.

**Highlights:** Voice-to-transaction in seconds, AI categorization, Monthly budget tracking, Multiple wallets, Financial insights, Bank SMS automation

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| MoneyNotes Plus Monthly | $4.99 | per month |
| MoneyNotes Premium Monthly | $6.49 | per month |
| MoneyNotes Plus Yearly | $39.99 | per year |


## Frequently asked questions

### Is Valu free?

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

### Is MoneyNotes+ free?

MoneyNotes+ is free to download, with in-app purchases available.

### Which has better reviews, Valu or MoneyNotes+?

MoneyNotes+ is rated higher. Valu averages 3.3 out of 5 from 454 ratings, while MoneyNotes+ averages 5.0 from 2 ratings.

### Do Valu or MoneyNotes+ have ads?

Neither Valu nor MoneyNotes+ shows ads.

### Which is updated more often, Valu or MoneyNotes+?

Valu ships an update every 5 weeks, and MoneyNotes+ every 2 weeks. Most recently, Valu was updated on August 18, 2026 and MoneyNotes+ on September 14, 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.*