Rubies vs Vale Personal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Rubies
This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.
- Financial conversations
- Global payments
- Banking services
- Lending features
- Messaging interface
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Rubies is curated to power financial conversations between friends and brands across geographies. Payments, Banking and Lending in the way you send and receive messages.
Vale Personal
Earn daily interest on your wallet balance, set savings goals, and invest for long-term growth with competitive rates. This app also offers a convenient and cost-effective way to pay your bills.
- Daily interest on wallet balance
- Goal-based saving
- Long-term investment options
- Bill payment services
- Competitive interest rates
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Enjoy daily interest on your wallet balance, save towards a goal, and fix money for long term with great interest. Pay bills cheaper and easier.
Screenshots
Verdict
The clearest difference is rating: Rubies at 4.7 against Vale Personal's 3.4. Rubies also leads on update cadence (fortnightly vs every 2 months) and review sentiment (76% vs 57%). Vale Personal's advantage is iOS requirement (13.0 vs 15.1). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Rubies holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: Rubies has 520 ratings behind it against 22, so its average is the more settled of the two. Written reviews point the same way: 76% of Rubies's written reviews are positive against 57% of Vale Personal's.
Rubies ships an update fortnightly, Vale Personal every 2 months. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.
| Parameter | Rubies | Vale Personal |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (520 ratings) — better | 3.4 (22 ratings) |
| Positive reviews | 75.8% of reviews — better | 57.1% of reviews |
| Number of ratings | 520 — better | 22 |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 96 MB | 186 MB |
| Age rating | 4+ | 4+ |
| Developer | RUBIES MICROFINANCE BANK LIMITED | FundBae |
Customer experience
Rubies
Vale Personal
Bugs and requests
Rubies
Reported bugs
5 issues- Insufficient funds error despite adequate balance
- Login screen freezes
- Incompatibility with older devices
- Inability to add BVN
- OTP not being sent for password reset
Requested features
5 requests- Improve chat feature functionality
- Expand availability to non-Nigerian users
- Add dark mode option
- Enhance in-app security measures
- Streamline debit card request process
Vale Personal
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Rubies
No in-app purchases
Vale Personal
No in-app purchases
