Comparison

Union ease vs Kapil Chits

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Unified account management
  • Personalized offers and nudges
  • Centralized payment hub
  • Profile and account details view
  • Account aggregator functionality
  • IPO application
  • Enhanced accessibility
Features
Read full description

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.

About

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.

Highlights
  • Instant chit payments
  • Chit information access
  • Join new chits
  • View chit summaries
  • Secure login
  • Exclusive product discovery
Features
Read full description

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

Union ease4 screens
Kapil Chits4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
Union ease versus Kapil Chits: the parameters behind the verdict, then further details
ParameterUnion easeKapil Chits
PriceFreeFree
Rating4.5 (177 ratings) — better1.0 (1 ratings)
Positive reviews15.7% of reviews — better6.7% of reviews
Number of ratings177 — better1
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size147 MB58 MB
Age rating4+17+
DeveloperUnion Bank of IndiaKapil IT Solutions Pvt. Ltd.

Customer experience

Union ease

All ratings159 ratings
Positive88.1%
Neutral1.9%
Negative10.1%
Written reviews362 reviews
Positive15.7%
Neutral3.3%
Negative80.9%

Kapil Chits

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews30 reviews
Positive6.7%
Neutral3.3%
Negative90.0%

Bugs and requests

Union ease

Reported bugs

10 issues
  • Crashes on launch
  • Login issues
  • Registration problems
  • Connectivity errors
  • Incompatibility with iOS versions
Show 5 more
  • 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
Show 2 more
  • Consistent performance
  • Responsive customer support

Kapil Chits

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Union ease

No in-app purchases

None

Kapil Chits

No in-app purchases

Questions

Is Union ease free?
Union ease is free to download, with no in-app purchases.
Is Kapil Chits free?
Kapil Chits is free to download, with no in-app purchases.
Which has better reviews, Union ease or Kapil Chits?
Union ease is rated higher. Union ease averages 4.5 out of 5 from 177 ratings, while Kapil Chits averages 1.0 from 1 ratings.
Do Union ease or Kapil Chits have ads?
Neither Union ease nor Kapil Chits shows ads.
Which is updated more often, Union ease or Kapil Chits?
Union ease ships an update every 2 months, and Kapil Chits every 2 months. Most recently, Union ease was updated on October 20, 2026 and Kapil Chits on October 14, 2026.

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