# Rubies vs Vale Personal

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.

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.

## The numbers

| Metric | Rubies | Vale Personal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (520 ratings)](https://appshunter.io/ios/app/rubies/id1458430556/reviews)** | [3.4 (22 ratings)](https://appshunter.io/ios/app/vale-personal/id1546241596/reviews) |
| Number of ratings | **520** | 22 |
| Positive reviews | **75.8% of reviews** | 57.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | Free |
| Size | 96 MB | 186 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [RUBIES MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1458430315) | [FundBae](https://appshunter.io/developer/1546241598) |

## What reviewers say

### Rubies

[App page](https://appshunter.io/ios/app/rubies/id1458430556)

This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.

**Highlights:** Financial conversations, Global payments, Banking services, Lending features, Messaging interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Fast and efficient
- 💳 Flexible banking features
- 🥰 Excellent customer service
- 🤩 Innovative app design

**What reviewers complain about**

- 🐛 Occasional app crashes
- 💰 Unreasonable charges
- ⏱️ Slow app performance
- 🤔 Unresponsive customer support
- 🚫 Difficulty with KYC verification

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/vale-personal/id1546241596)

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.

**Highlights:** Daily interest on wallet balance, Goal-based saving, Long-term investment options, Bill payment services, Competitive interest rates

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Rubies free?

Rubies is free to download, with no in-app purchases.

### Is Vale Personal free?

Vale Personal is free to download, with no in-app purchases.

### Which has better reviews, Rubies or Vale Personal?

Rubies is rated higher. Rubies averages 4.7 out of 5 from 520 ratings, while Vale Personal averages 3.4 from 22 ratings.

### Do Rubies or Vale Personal have ads?

Neither Rubies nor Vale Personal shows ads.

### Which is updated more often, Rubies or Vale Personal?

Rubies ships an update fortnightly, and Vale Personal every 2 months. Most recently, Rubies was updated on November 11, 2026 and Vale Personal on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*