Comparison

VALÚ vs Klivvr

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

VALÚ

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VALÚ je pametna denarnica in napredna izkušnja pametnega življenja. Je več kot le sistem plačevanja in identifikacije, je celovita storitev, ki mobitel spreminja v priročen in resnično pameten dostop do vsega, kar potrebujete v sodobnem urbanem življenju. Poenostavite svoje življenje z aplikacijo VALÚ in odkrijte napredne možnosti mobilnega plačevanja: - Zelo enostavno nakažite denar. - Vključite si samodejno polnitev prek VALÚ Monete. - Delite svoj račun s prijatelji. - Plačujte na več kot 3.000 plačilnih mestih po Sloveniji. -Včlanite se v brezplačen program zvestobe VALÚ KLUB, pridobivajte VALÚ točke in jih nato zamenjajte za ugodnosti. - Naročite kartico VALÚ Mastercard za plačevanje na več kot 53 milijonih prodajnih mest doma in v tujini. - Povežite VALÚ z drugimi aplikacijami. V prihodnje načrtujemo še številne nove funkcionalnosti.

About

Klivvr

Manage your spending, credit, and rewards with this comprehensive financial app. It offers instant credit limits, flexible repayment plans, and a prepaid card for everyday use. The family feature allows for shared accounts and controlled spending for multiple users.

Highlights
  • Instant credit limit up to 500,000 EGP
  • Flexible repayment plans up to 60 months
  • Prepaid card for everyday spending
  • Earn and redeem K.Points for cashback
  • Family accounts with spending permissions
  • Real-time spending tracking
Features
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Klivvr is your all-in-one app for spending, credit, rewards, and family money management, giving you real control over your finances.   Buy now, pay later Get an instant credit limit of up to 500,000 EGP and split your purchases into manageable installments. - Flexible repayment plans up to 60 months - Competitive interest rates, zero hidden charges - Apply and get approved in minutes through the app - Clear payment schedule, always visible in-app   Spend & send Klivvr's prepaid card is built for seamless everyday spending - Pay online, in-store, or withdraw cash from ATMs - Earn K.Points on every transaction - Redeem your K.Points for cashback - Track your spending in real time with full control   Klivvr Family One account, more flexibility, total control. - Issue up to 5 cards for you and your family - Set spending permissions per card - Transfer money instantly between accounts - Double the K.Points per transaction - Enjoy reduced credit interest rates K.Points & rewards Every purchase earns you points. Unlock exclusive vouchers, discounts at top merchants, and cashback. The more you spend, the more you earn.   Klivvr is licensed and regulated by the Financial Regulatory Authority (FRA) and the Central Bank of Egypt (CBE). Your money and data are always protected with bank-grade security.

Screenshots

VALÚ4 screens
Klivvr4 screens

Verdict

The call

The clearest difference is update cadence: Klivvr at every 10 days against VALÚ's every 2 months. 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

VALÚ ships an update every 2 months, Klivvr every 10 days. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 9 level
VALÚ versus Klivvr: the parameters behind the verdict, then further details
ParameterVALÚKlivvr
PriceFreeFree
Rating—3.6 (55 ratings) — better
Positive reviews—30.4% of reviews
Number of ratings—55 — better
Update frequencyEvery 2 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhoneiPhone, Apple Watch — better
Requires iOS16.016.0
Further details — not scored
Size69 MB219 MB
Age rating4+4+
DeveloperTelekom Slovenije d.d.Klivvr

In-app purchases

None

VALÚ

No in-app purchases

None

Klivvr

No in-app purchases

Questions

Is VALÚ free?
VALÚ is free to download, with no in-app purchases.
Is Klivvr free?
Klivvr is free to download, with no in-app purchases.
Do VALÚ or Klivvr have ads?
Neither VALÚ nor Klivvr shows ads.
Which is updated more often, VALÚ or Klivvr?
VALÚ ships an update every 2 months, and Klivvr every 10 days. Most recently, VALÚ was updated on October 29, 2026 and Klivvr on October 30, 2026.

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