Comparison

Valu vs Valu Jo

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

Valu Jo

Features
Read full description

Valu is The Universal Financial Technology Powerhouse, providing cutting-edge financial solutions and services that empower individuals to pursue their aspirations. At its core, Valu offers a Buy Now, Pay Later (BNPL) and a lifestyle-enabling solution that gives you seamless access to what you need, when you need it. Shop across a wide network of merchants and enjoy flexible payment plans tailored to your lifestyle. With a fully digital experience, Valu allows you to split your purchases, manage your payments, and stay in control, all in one place. Whether it’s everyday essentials or bigger purchases, Valu makes it easier to access more with flexibility and convenience.

Screenshots

Valu4 screens
Valu Jo4 screens

Verdict

The call

The clearest difference is update cadence: Valu Jo at every 8 days against Valu's every 5 weeks. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Valu ships an update every 5 weeks, Valu Jo every 8 days. The most recent releases landed on October 20, 2026 and October 5, 2026 respectively.

Scorecard1 real difference · 9 level
Valu versus Valu Jo: the parameters behind the verdict, then further details
ParameterValuValu Jo
PriceFreeFree
Rating3.3 (456 ratings) — better—
Positive reviews13.1% of reviews—
Number of ratings456 — better—
Update frequencyEvery 5 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.6
Further details — not scored
Size180 MB108 MB
Age rating4+4+
DeveloperEFG HermesValu for Payments and Technical Solutions S.A.E.

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

Valu Jo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Valu

No in-app purchases

None

Valu Jo

No in-app purchases

Questions

Is Valu free?
Valu is free to download, with no in-app purchases.
Is Valu Jo free?
Valu Jo is free to download, with no in-app purchases.
Do Valu or Valu Jo have ads?
Neither Valu nor Valu Jo shows ads.
Which is updated more often, Valu or Valu Jo?
Valu ships an update every 5 weeks, and Valu Jo every 8 days. Most recently, Valu was updated on October 20, 2026 and Valu Jo on October 5, 2026.

Other comparisons