NMB vs Valu Jo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NMB
Manage your loans securely from anywhere. View current loans, request new ones, and make payments via eWallet. Set payment reminders and access mini statements and profile information.
- View current loans
- Request new loans
- Pay via eWallet
- Set payment reminders
- View loan mini statement
- Locate nearest branches
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The National Microfinance Bank app lets you access and manage your loans easily and securely wherever you are. The National Microfinance Bank app makes it easy to: - View current loans. - Request a new loan. - Pay through eWallet. - Adjust a reminder for an upcoming payment date. - View loan mini statement. - View profile information - Locate nearest branches. تطبيق الوطني لتمويل المشاريع الصغيرة يسمح لك بعرض و ادارة قروضك بسهولة و امان أينما تكون. تطبيق الوطني يجعل من السهل: - عرض القروض الحالية - طلب قرض جديد - الدفع عبر المحفظة الإلكترونية - ضبط منبه للدفعة القادمة - عرض كشف حساب مصغر للقرض - عرض معلومات الملف الشخصي - تحديد اماكن اقرب الفروع
Valu Jo
This app provides a Buy Now, Pay Later service, allowing users to shop from a network of merchants and split purchases into flexible payment plans. It offers a fully digital experience for managing payments and accessing funds for everyday essentials and larger purchases.
- Buy Now, Pay Later (BNPL)
- Flexible payment plans
- Shop across a wide merchant network
- Fully digital experience
- Manage payments in one place
- Access funds for purchases
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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
Verdict
The clearest difference is rating: Valu Jo at 4.3 against NMB's 2.8. Valu Jo also leads on update cadence (fortnightly vs every 6 weeks). On price, ratings volume, ads 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 Jo holds the better App Store score, 4.3 against 2.8. Both are backed by a comparable volume of ratings — 4 and 4 respectively.
NMB ships an update every 6 weeks, Valu Jo fortnightly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.
| Parameter | NMB | Valu Jo |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (4 ratings) | 4.3 (4 ratings) — better |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 4 | 4 |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 54 MB | 138 MB |
| Age rating | 4+ | 4+ |
| Developer | الوطني لتمويل المشاريع الصغيرة | Valu for Payments and Technical Solutions S.A.E. |
Customer experience
NMB
Valu Jo
In-app purchases
NMB
No in-app purchases
Valu Jo
No in-app purchases
