Who we are?

Valu is the leading universal financial technology powerhouse, offering a suite of financial services to individuals and businesses. Since its launch in 2017, Valu continues to provide a wide range of comprehensive and convenient financial solutions and products to its customers.

Through U*, Valu has pioneered BNPL (Buy Now Pay Later) solutions in the MENA region providing customizable financing plans for up to 60 months across more than 6,000 points of sale and over 1,500 online stores, covering a diverse array of categories. Valu also offers investment products, an instant cash redemption program, savings solutions, and a financing solution to facilitate the purchase of big-ticket items up to EGP 15 Million in the luxury space, through AZvalu fund and EFG Hermes ONE, Sha2labaz, Akeed, and Ulter respectively. In addition, Valu offers tools to manage your employees, provide financial services, and more through Valu Business.

Our Cutting-Edge Products

U
U Product
U

Revolutionize your shopping experience with our BNPL platform. Enjoy customizable financing plans for up to 60 months. Shop at over 6,000+ points of sale, over 1,500+ websites, and apps. Embrace convenience and financial freedom like never before.

Sha2labaz
Sha2labaz Product
Sha2labaz

Redeem cash instantly from paid invoices at any nearby Sha2lbaz store. Repay flexibly over 60 months.

Akeed
Akeed Product
Akeed

A save-to-buy platform that allows you to save money and gain returns.

Invest
Invest Product
Invest

Unleash your investment potential with with Valu Invest through the AZvalu Fund, a money market fund, we developed in partnership with Azimut. Also, EFG Hermes One, the trading app to elevate your investment experience. Embark on a journey to financial prosperity!

Flip
Flip Product
Flip

Seamlessly send and receive funds using the most accepted e-gift card in Egypt and connect with your loved ones.

  • Sha2labaz
  • Flip
  • Akeed

Give your wallet a break

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    Open the Valu app and search for your desired Store

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    Enter the transaction amount & choose your payment plan

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    Scan the QR code and enjoy your purchase

Redeem Cash with

Exchange your paid invoices with cash and pay them flexibly on up to 60 months

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    Open the Valu App and select Sha2labaz

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    Upload your invoice and choose your payment plan

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    Redeem your cash digitally on your bank account, wallet or from the nearest Sha2labaz store

Send & Receive Money with

Connect with your loved one through the most accepted e-gift card in Egypt

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    Open the Valu app and select Flip

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    Select the recipient to whom you would like to add funds and specify the amount to be transferred

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    Choose the desired payment plan and enter the mobile number of the recipient to whom you wish to send the money

Save to buy with Akeed

Gain returns to use in your future purchases

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    Open the Valu app and select Akeed

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    Enter the amount you want to save and the tenure

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    Enter the OTP and pay Akeed's payment on the 1st of each month
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Ulter

Designed to transform your dreams into reality with unparalleled ease, Ulter offers an exclusive gateway to finance the finest high-end products and services, promising to redefine the luxury shopping experience in Egypt. It provides a seamless and accessible financing solution for discerning customers looking to acquire high-value products.

Flexible plans

Up to 60 months with no downpayment subject to the finance amount.

Seamless Process

Apply to unmatched financial amounts in a seamless application process.

Competitive Rates

Competitive interest rates, to maximize your savings and investments.

Whether you're looking to acquire a luxury vehicle, exquisite jewelry, or an elite travel experience, Ulter ensures that exceptional quality and elegance are always within your reach. Elevate your lifestyle with Ulter, where luxury meets financial ingenuity.

How do I apply for Ulter?

Ulter is available through a select network of merchants who offer exclusive access to their products and services via Ulter. To take advantage of Ulter, simply visit one of our partnered merchants and choose your favourite piece & inquire about Ulter’s financing options. ensuring you get the best financing solution tailored to your needs.

Experience luxury like never before with Ulter.

Want to know more about Ulter?
Email us: Ulter@valu.com.eg

Our Business Solution

Valu Business

Payroll System

Valu Star

Go digital, automate payroll, and conquer workforce management challenges with ease. Join us on the path to excellence today!

Payroll Card

Valu Star

Unleash payroll transformation! Experience faster and more secured payments. Optimal efficacy guaranteed.

Employee Benefits

Valu Star

Empower your workforce with ease and affordability. Unlock hassle-free financial and non-financial benefits and transform the employee experience.

Become Our Partner

Expand Your Customer Base
By partnering with Valu, you are able to tap into our extensive network of customers (1M+) who are actively seeking innovative financial solutions.

Drive Your Sales
As a Valu partner, we empower you to offer seamless and secure payment solutions to your customers.

Join Valu Network
Become a Partner

Download Our App

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