GAPS vs UnionToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
GAPS
Manage your business finances on the go with real-time balance checks, transfers, bill payments, and check deposits. This secure platform offers 2-factor authentication for convenient and confident banking anytime, anywhere.
- Real-time balance checks
- Inter-account transfers
- Bill payments
- Check deposits
- Foreign currency transfers
- Business loan applications
- 2-factor authentication
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Manage your business transactions anywhere, any time with the GAPS-Lite Mobile Banking App. You can check real-time balances, make transfers between your accounts, pay bills, approve bulk payment schedule, deposit checks and so much more on the app. It’s simple and convenient. Key features includes: --> Business on the go Log into your business account(s) anytime, anywhere, using only your password. --> Your Business finances, all in one place Check all your account balances, access business trends, perform foreign currency transfers, manage your cheques, apply for business loans, send account statements to your email or to an embassy of your choice, setup and manage standing orders, and more. --> Confidence in a secured platform Bank with confidence on the GAPS-Lite Mobile App with secured 2-factor authentication (2FA) system. --> Simple and secure set up - Install the app and enter your access code, username, and password. - Forgot your password? Reset it using “Forgot Password?” on the login page. - Choose your preferred verification method (Token or 4-digit PIN). - Start using the app immediately with your selected verification method. Enjoy a seamless and user-friendly interface designed to make your business banking convenient.
UnionToken
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Generate one-time passwords (OTP) to authorize transactions on Union360, Union Mobile, Union Online with ease
Screenshots
Verdict
The clearest difference is update cadence: GAPS at every 6 weeks against UnionToken's every 6 months. GAPS also leads on device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price, 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.
GAPS ships an update every 6 weeks, UnionToken every 6 months. The most recent releases landed on October 6, 2026 and October 10, 2026 respectively.
| Parameter | GAPS | UnionToken |
|---|---|---|
| Price | Free | Free |
| Rating | 1.7 (30 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 30 — better | — |
| Update frequency | Every 6 weeks — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 67 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Guaranty Trust Bank PLC | Union Bank of Nigeria Plc |
In-app purchases
GAPS
No in-app purchases
UnionToken
No in-app purchases
