Dinarak vs Valu Jo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Dinarak
Manage your finances on the go with instant payments and money transfers. Top up your digital wallet and pay bills, transfer funds to friends, or make purchases at registered vendors. Control your money anytime, anywhere without needing a traditional bank account.
- Instant payments
- Money transfers
- Bill payments
- Cash withdrawal
- Retailer payments
- Balance checks
- Mini statements
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Now you can open your Dinarak wallet account instantly from the comfort of your home! Enjoy instant Payments and Money Transfers... Anytime, Anywhere! With the Dinarak Mobile Payment App, you can make instant payments and money transfers just by using your smartphone. You don't need to carry cash, and you don't even need a bank account... simply top-up your Dinarak account by making a deposit at any of our branches or agents, and you can instantly send money or pay your bills. *Please watch the animated video to see how Dinarak can help you take control of your finances.* Dinarak's services are fully licensed and regulated. The safety and security of your money is always guaranteed. With the Dinarak App, you can: - Withdraw your cash from any Dinarak Agent, Dinarak Branch, or from enabled ATMs - Transfer money to friends and family - Pay bills instantly: the Dinarak App is fully integrated with eFAWATEERCOM so you can pay for utilities, education fees and even top-up your mobile phone - Pay for goods and services at any registered retailer, merchant, or online vendor - Check your balance anytime, and see a mini statement of your latest transactions Registering for your Dinarak account is very easy and takes only a few minutes - just visit a Dinarak Agent or Dinarak Branch with your national identification, fill in a form and activate your Dinarak App. You can also call Dinarak's Customer Service Centre on +962 (6) 551 9090. Non-Jordanians can use their passport for registration (or UNHCR card, as applicable).
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 clearest difference is rating: Dinarak at 5.0 against Valu Jo's 4.3. Valu Jo's advantage is update cadence (every 10 days vs every 2 months) and ratings volume (4 vs 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.
Dinarak holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 1 and 4 respectively.
Dinarak ships an update every 2 months, Valu Jo every 10 days. The most recent releases landed on October 16, 2026 and October 22, 2026 respectively.
| Parameter | Dinarak | Valu Jo |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.3 (4 ratings) |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 1 | 4 — better |
| Update frequency | Every 2 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.6 |
| Further details — not scored | ||
| Size | 118 MB | 136 MB |
| Age rating | 4+ | 4+ |
| Developer | AL-MUTAKAMILAH FOR PAYMENTS SERVICES VIA MOBILE PHONE | Valu for Payments and Technical Solutions S.A.E. |
Customer experience
Dinarak
Valu Jo
In-app purchases
Dinarak
No in-app purchases
Valu Jo
No in-app purchases








