Vale Personal vs Nirra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
Nirra
Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.
- Instant money transfers
- Installment shopping
- Loan applications
- Receive money
- Pay bills
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Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.
Screenshots
Verdict
The clearest difference is review sentiment: Vale Personal at 57% against Nirra's 0%. Vale Personal also leads on rating (3.4 vs 2.3). Nirra's advantage is update cadence (every 2 weeks vs every 2 months). 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.
Vale Personal holds the better App Store score, 3.4 against 2.3. Both are backed by a comparable volume of ratings — 22 and 16 respectively. Written reviews point the same way: 57% of Vale Personal's written reviews are positive against 0% of Nirra's.
Vale Personal ships an update every 2 months, Nirra every 2 weeks. Both last shipped on November 3, 2026.
| Parameter | Vale Personal | Nirra |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (22 ratings) — better | 2.3 (16 ratings) |
| Positive reviews | 57.1% of reviews — better | 0.0% of reviews |
| Number of ratings | 22 — better | 16 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 186 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | FundBae | Liberta Leasing Limited |
Customer experience
Vale Personal
Nirra
In-app purchases
Vale Personal
No in-app purchases
Nirra
No in-app purchases
