Union ease vs Kapil Chits
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Union ease
This digital banking app provides a unified platform to manage all your accounts, offers personalized deals, and simplifies payments. It features a redesigned interface for easy navigation, profile updates, and access to support services.
- Unified account management
- Personalized offers and nudges
- Centralized payment hub
- Profile and account details view
- Account aggregator functionality
- IPO application
- Enhanced accessibility
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Union Bank of India welcomes you to experience Union ease – the new universe of digital banking. Discover unparalleled convenience with new Union ease, offering a comprehensive view of all your accounts, personalized offers, quick access to transactions, and the ability to view your credit cards and loans. Union ease enhances your banking journey with a redesigned homepage featuring dynamic backgrounds and a reimagined payment experience, making all payment methods accessible from one central point. Enjoy the ease of updating your profile, viewing relationship managers, and accessing account details with a single click through the unified customer profile & accounts view. Seamlessly aggregate and manage your accounts with the Account Aggregator, providing a consolidated view of your balances. Receive personalized offers and nudges to ensure you never miss out on exclusive deals. Union ease is a powerhouse of offerings: 1. Redesigned app with new homepage designs: Enjoy dynamic backgrounds and customize key functionalities on the home page through “Quick task”. 2. Flexibility to resume journeys: Resume your banking journeys anywhere, anytime from new Union ease. 3. One view to customer profile & accounts: Quickly update your profile, view relationship managers, and access account details with just one click. 4. Enhanced accessibility features: Seamless registration and journey execution with accessibility features across all journeys on new Union ease. 5. Quick & easy access to all payment methods: Manage all your payments on a single page. New designs for UPI to directly pay your contacts, revamped bill payment services, enable autopay & reminders for your bills. 6. Customized offers & nudges: Get personalized offers and a consolidated view of all offers on Union ease. 7. Revamped help & support: Generate service requests for cheque books, download form 15G/H, get consolidated account statements, address customer grievances, and access product FAQs and journey videos to assist in your digital journey. 8. Access to security guidelines & important links: Stay informed with security guidelines, important links, and announcements on the Union ease app. New journeys on the app: 1. Account aggregator: Seamlessly aggregate and manage your accounts. 2. Customer profile & segmentation view: Get a detailed view of your customer profile and segmentation. 3. ASBA – Initial Public Offering (IPO) application: Apply for IPOs hassle free.
Kapil Chits
Manage your chit fund subscriptions and payments directly from your device. Access all your chit information, join new chits, and make instant payments securely and conveniently. Discover exclusive products and services from the Kapil Group.
- Instant chit payments
- Chit information access
- Join new chits
- View chit summaries
- Secure login
- Exclusive product discovery
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Know your chit information and pay your chits instantly on your device with Kapil Chits App. Just download and login using your existing www.kapilchits.com online user id or Register with valid mail id to manage your chits on your finger tips. It is secure and convenient. Services: • Registration • Set Your Pin • My Profile • Join A New Chit • Chit Summary • My Chits • Chit Details • Make a Payment • Online Payments • Change Password • Add your existing Chit • Pin Change • It also allows you to know for exclusive products & services offered by Kapil Group. • All you need to do is download the app and your chit information is at your fingertips. • It’s simple, it’s easy and it saves time.
Screenshots
Verdict
The clearest difference is rating: Union ease at 4.5 against Kapil Chits's 1.0. Union ease also leads on ratings volume (177 vs 1) and review sentiment (16% vs 7%). Kapil Chits's advantage is iOS requirement (13.0 vs 17.0). On price, update cadence, 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.
Union ease holds the better App Store score, 4.5 against 1.0. That said, the two scores are not equally well evidenced: Union ease has 177 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 16% of Union ease's written reviews are positive against 7% of Kapil Chits's.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.
| Parameter | Union ease | Kapil Chits |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (177 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 15.7% of reviews — better | 6.7% of reviews |
| Number of ratings | 177 — better | 1 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 147 MB | 58 MB |
| Age rating | 4+ | 17+ |
| Developer | Union Bank of India | Kapil IT Solutions Pvt. Ltd. |
Customer experience
Union ease
Kapil Chits
Bugs and requests
Union ease
Reported bugs
10 issues- Crashes on launch
- Login issues
- Registration problems
- Connectivity errors
- Incompatibility with iOS versions
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- Inability to access accounts
- Unreliable transactions
- Unresponsive app
- Freezing issues
- Incorrect data display
Requested features
7 requests- Support for eSIM
- Improved user experience
- Better app design
- Streamlined registration process
- Reliable connectivity
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- Consistent performance
- Responsive customer support
Kapil Chits
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Union ease
No in-app purchases
Kapil Chits
No in-app purchases









