Comparison

Arabi MobiCash 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

Arabi MobiCash

This app simplifies and secures your mobile payments. It allows you to link multiple cards and pay using QR codes or bill numbers, keeping your money in your bank account and your details private.

Highlights
  • Fast and secure payments
  • Pay via QR code or bill number
  • Link multiple card types
  • No card details stored on device
  • Payment history tracking
  • Customizable payment notifications
Features
Read full description

Arabi MobiCash is a super app designed to complement your lifestyle by making payments easy without compromising your security. You can use it to make simple, fast and secure payments anytime, anywhere. The key advantages of using Arabi MobiCash are: • It provides simple, fast and secure payments on the go, anywhere • You choose how to pay (QR code, bill number) and what payment method to use (card, Apple Pay/Samsung Pay) • It can link to any card type and you can add as many cards as you like (credit, debit, prepaid, etc.) • It is not a prepaid wallet, so your money is kept safely in your bank account as intended • No card details are stored on your mobile device or shared with merchants • It is fully compliant with international data standards to ensure the protection of cardholder data • It is not tied to a specific card, bank, mobile network or handset • It doesn’t share your card details with the companies you are paying • The companies you are paying are verified and trusted • No hidden fees • It offers you visibility over your payments history so you can better track your spending • It can be set up to send payment confirmation notifications to your e-mail • It is customizable to your needs – placing you firmly in control How to start using Arabi MobiCash 1. Install Arabi MobiCash on your mobile device 2. Set up an account and add your preferred payment cards to your Arabi MobiCash wallet (VISA, Mastercard). Apple Pay/Samsung Pay will be automatically added to your wallet 3. To view the list of companies you can pay using Arabi MobiCash in your region, tap the Businesses tile on the Service Dashboard screen We always strive to improve our service, and are keen to hear about your Arabi MobiCash experience. Please send your feedback to arabi.mobile@arabbank.com.jo so we can learn from your suggestions and make improvements to our Service. Download MobiCash today and start making faster, more convenient and secure payments. For more information, please visit our website https://www.arabbank.com.jo/mainmenu/home/personal-banking/arabi-mobicash Terms and Conditions apply.

About

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.

Highlights
  • 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
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

Arabi MobiCash3 screens
Valu Jo4 screens

Verdict

The call

The clearest difference is rating: Valu Jo at 4.3 against Arabi MobiCash's 3.0. Valu Jo also leads on update cadence (fortnightly vs every 8 months) and device support (3 vs 1). Arabi MobiCash's advantage is review sentiment (29% vs 0%) and ratings volume (21 vs 4). On price, ads, in-app purchases and monetization model 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 Jo holds the better App Store score, 4.3 against 3.0. That said, the two scores are not equally well evidenced: Arabi MobiCash has 21 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 29% of Arabi MobiCash's written reviews are positive against 0% of Valu Jo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Arabi MobiCash ships an update every 8 months, Valu Jo fortnightly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard6 real differences · 4 level
Arabi MobiCash versus Valu Jo: the parameters behind the verdict, then further details
ParameterArabi MobiCashValu Jo
PriceFreeFree
Rating3.0 (21 ratings)4.3 (4 ratings) — better
Positive reviews28.6% of reviews — better0.0% of reviews
Number of ratings21 — better4
Update frequencyEvery 8 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.6 — better
Further details — not scored
Size36 MB138 MB
Age rating4+4+
DeveloperArab Bank PLCValu for Payments and Technical Solutions S.A.E.

Customer experience

Arabi MobiCash

All ratings21 ratings
Positive42.9%
Neutral14.3%
Negative42.9%
Written reviews7 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

Valu Jo

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Arabi MobiCash

No in-app purchases

None

Valu Jo

No in-app purchases

Questions

Is Arabi MobiCash free?
Arabi MobiCash is free to download, with no in-app purchases.
Is Valu Jo free?
Valu Jo is free to download, with no in-app purchases.
Which has better reviews, Arabi MobiCash or Valu Jo?
Valu Jo is rated higher. Arabi MobiCash averages 3.0 out of 5 from 21 ratings, while Valu Jo averages 4.3 from 4 ratings.
Do Arabi MobiCash or Valu Jo have ads?
Neither Arabi MobiCash nor Valu Jo shows ads.
Which is updated more often, Arabi MobiCash or Valu Jo?
Arabi MobiCash ships an update every 8 months, and Valu Jo fortnightly. Most recently, Arabi MobiCash was updated on November 3, 2026 and Valu Jo on October 31, 2026.

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