The Blink vs Valu Jo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
The Blink
Manage all your daily banking needs with this comprehensive finance app. Open an account to get a free virtual debit card instantly, with a physical card delivered to your door. Easily send and receive money, and access credit with instant virtual card issuance.
- Virtual debit card issuance
- Free physical card delivery
- Instant credit card access
- Easy money sending and receiving
- Comprehensive banking services
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Your entire day-to-day banking needs in one app. Get your free virtual debit card immediately upon opening your account and spend away. Blink will deliver your card to your doorstep for free. Sending and receiving money has never been easier. What more? We’ve made borrowing accessible to everyone, issue your credit card instantly and shop online, it will only take minutes. Your credit card will be issued virtually and also delivered to you for free.
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.
- 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
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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
Verdict
The Blink and Valu Jo both sit at 4.2 stars, but that hides the real split: 31% of The Blink's written reviews are positive against 0% of Valu Jo's. The Blink also leads on ratings volume (149 vs 4). Valu Jo's advantage is update cadence (fortnightly vs every 2 months). On price, rating, 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.
On the App Store both sit at effectively the same score — 4.2 for The Blink against 4.3 for Valu Jo. That said, the two scores are not equally well evidenced: The Blink has 149 ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 31% of The Blink's written reviews are positive against 0% of Valu Jo's.
The Blink ships an update every 2 months, Valu Jo fortnightly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.
| Parameter | The Blink | Valu Jo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (149 ratings) | 4.3 (4 ratings) — better |
| Positive reviews | 30.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 149 — better | 4 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 16 | 15.6 — better |
| Further details — not scored | ||
| Size | 192 MB | 138 MB |
| Age rating | 4+ | 4+ |
| Developer | CAPITAL BANK OF JORDAN | Valu for Payments and Technical Solutions S.A.E. |
Customer experience
The Blink
Valu Jo
Bugs and requests
The Blink
Reported bugs
22 issues- App not opening
- Delay in salary transfers
- Cash back issues on yellow card
- SMS not working in UAE
- App keeps crashing
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- Cardless withdrawals not sending OTP
- Biometric authentication not working consistently
- Cards not being issued or delivered
- Red card apps closed
- Taking cash from account for 'international transactions'
- Cannot send money to another account
- Cannot withdraw money
- Not receiving verification codes
- Face ID not working
- In-app chat and phone calls unresponsive
- App crashes when switching apps
- Face ID login keeps loading
- Registration errors ('something went wrong')
- App crashes frequently
- Onboarding process uses phone's navigation gestures
- Touch ID doesn't log in every time
- In-app touch responses are inconsistent
Requested features
7 requests- Activate WhatsApp customer service
- Enable transfers from other banks without sending a request
- Improve customer support responsiveness
- Add PayPal transaction support
- Hire a competent UX expert
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- Implement dark mode
- Add advanced analytics dashboard
Valu Jo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
The Blink
No in-app purchases
Valu Jo
No in-app purchases
