# Maluk vs Valu Jo

The clearest difference is in-app purchases: Valu Jo at none against Maluk's 2. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Maluk sells 2 in-app purchases, starting at $5.99 per month. Valu Jo asks for nothing beyond the download.

Maluk ships an update every 3 weeks, Valu Jo every 10 days. The most recent releases landed on October 9, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Maluk | Valu Jo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.3 (4 ratings)](https://appshunter.io/ios/app/valu-jo/id6761329552/reviews)** |
| Number of ratings | — | **4** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Freemium | **Free** |
| Size | 54 MB | 136 MB |
| Requires iOS | **14** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Malukifinlit](https://appshunter.io/developer/1820759475) | [Valu for Payments and Technical Solutions S.A.E.](https://appshunter.io/developer/1536147386) |

## What reviewers say

### Maluk

[App page](https://appshunter.io/ios/app/maluk/id6504363888)

This app empowers employees to manage their finances effectively. It offers tools for financial health checks, improving spending habits, and making informed money decisions. Receive personalized advice and actionable guidance to achieve your financial goals.

**Highlights:** Financial health check, Improve spending habits, Budgeting and saving strategies, Investment planning guidance, Customized financial insights, Actionable real-time reminders

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Maluk Premium | $5.99 | per month |
| Maluk Premium | $54.99 | per year |


### Valu Jo

[App page](https://appshunter.io/ios/app/valu-jo/id6761329552)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is Maluk free?

Maluk is free to download, with in-app purchases available.

### Is Valu Jo free?

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

### Do Maluk or Valu Jo have ads?

Neither Maluk nor Valu Jo shows ads.

### Which is updated more often, Maluk or Valu Jo?

Maluk ships an update every 3 weeks, and Valu Jo every 10 days. Most recently, Maluk was updated on October 9, 2026 and Valu Jo on October 24, 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.*