Divvy vs Keep: Which is Better in 2026?
Choosing between Divvy and Keep comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Bottom line: Divvy wins this matchup. BILL Spend & Expense ranks #1 on our Expense Management list. BILL Spend & Expense is the highest-listed Expense Management tool with a free plan. Pick Keep if you need finance.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Divvy
Business expense management and corporate cards
Best for you if:
- • You want a fully free tool (Keep requires payment)
- • You want free expense management
- • You want corporate cards
Keep
Corporate card, global banking, and growth capital for Canadian businesses
Best for you if:
- • You want consolidates multiple financial services into a single platform, simplifying business finance
- • You want offers significantly higher credit limits compared to traditional options, supporting business growth
| At a Glance | Divvy | Keep |
|---|---|---|
Starts at | FreeFree tier available | $79/moCore |
Best For | Expense Management | Finance |
Rating | 4.5/5 | - |
Free plan | Yes | No |
Choose Divvy or Keep?
Choose Divvy if
Business expense management and corporate cards
- You want a fully free tool (Keep requires payment)
- You want free expense management
- You want corporate cards
- Your work is expense management-shaped, not finance-shaped
Choose Keep if
Corporate card, global banking, and growth capital for Canadian businesses
- You want consolidates multiple financial services into a single platform, simplifying business finance
- You want offers significantly higher credit limits compared to traditional options, supporting business growth
- Your work is finance-shaped, not expense management-shaped
| Feature | Divvy | Keep |
|---|---|---|
| Pricing Model | Free | Paid |
| User Rating | ★4.5/5 2,237 reviews | No ratings yet |
| Categories | Expense ManagementFinance | FinanceExpense Management |
In-Depth Analysis
Divvy
Business expense management and corporate cards
Divvy's pricing is exceptionally generous, offering a full-featured corporate card and expense management platform for free.
Strengths
- +Free expense management
- +Corporate cards
- +Budget controls
- +Good UI
- +Bill.com owned
Weaknesses
- -US only
- -Credit line requirements
- -Limited international
- -Some features need upgrade
- -Rewards less than Ramp
Key features
Keep
Corporate card, global banking, and growth capital for Canadian businesses
Keep's pricing is fair for Canadian businesses needing integrated corporate cards and global banking, with the Core tier at $79/mo offering solid value for small teams.
Watch out
1.5% fee on Interac payments after free monthly limit
Strengths
- +Consolidates multiple financial services into a single platform, simplifying business finance.
- +Offers significantly higher credit limits compared to traditional options, supporting business growth.
- +Provides robust expense management and automation features, reducing manual effort and errors.
- +Enables cost-effective international transactions with no-fee global banking and favorable exchange rates.
- +Quick and easy online application process with rapid approval times.
Weaknesses
- -Primarily focused on the Canadian market, limiting its availability to businesses outside Canada.
- -Specific reward structures and credit limits may vary based on business eligibility and financial health.
- -Reliance on a single platform for all financial needs could pose a risk if service is interrupted.
Key features
Pricing: Divvy vs Keep
| Plan | Divvy | Keep |
|---|---|---|
| Tier 1 | Free Free | $79/mo Core |
| Tier 2 | N/A | $119/mo Plus |
| Tier 3 | N/A | $199/mo Max |
Pricing verified from each vendor's public pricing page. Compare in detail on Divvy pricing and Keep pricing.
Who Should Use What?
On a budget?
Divvy is free. Keep is paid.
Go with: Divvy
Want the highest-rated option?
Divvy is rated 4.5/5. Keep has no ratings yet.
Go with: Divvy
Value user reviews?
Divvy: 2,237 reviews (4.5/5). Keep: no ratings yet.
Go with: Divvy
3 Questions to Help You Decide
What's your budget?
Divvy is free. Keep is paid. Go with Divvy if free matters most.
What's your use case?
Divvy is a expense management tool. Keep is in finance. Pick the category that matches your needs.
How important are ratings?
Divvy is rated 4.5/5; Keep has no ratings yet.
Key Takeaways
Divvy
- Completely free
- Our pick for this comparison
Keep
- Better fit for finance
The Bottom Line
Divvy wins this matchup. BILL Spend & Expense ranks #1 on our Expense Management list. BILL Spend & Expense is the highest-listed Expense Management tool with a free plan.
Frequently Asked Questions
Is Divvy or Keep better?
Divvy is rated in our evaluation. Divvy is free and Keep is paid.
What are Divvy and Keep used for?
Divvy: Business expense management and corporate cards. Keep: Corporate card, global banking, and growth capital for Canadian businesses.
What does Divvy cost vs Keep?
Divvy is completely free. Keep is a paid tool. Visit their websites for detailed pricing.