Float Financial vs Keep: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Float Financial and Keep side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Float Financial leads on a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Float Financial
Manage business accounts, payments, expenses, and controlled CAD and USD cards
Best for you if:
- • You want a free tier before you commit
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
| At a Glance | Float Financial | Keep |
|---|---|---|
Starts at | Free plan, paid from C$10/user/mo, billed monthly Professional plan | From $79/mo, billed monthly Core plan |
Category | Expense Management Finance | Expense Management Finance |
Rating | n/a | n/a |
Free plan | Yes | No |
Watch out for | 0.25% FX rate on foreign transactions | 1.5% fee on Interac payments after free monthly limit |
Choose Float Financial or Keep?
Choose Float Financial if
- You want a free tier before you commit
- You want essentials is listed as a free tier
- You want no personal guarantee, according to Float
Choose Keep 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
In-Depth Analysis
Float Financial
Manage business accounts, payments, expenses, and controlled CAD and USD cards
The 0.25% FX rate and cashback only for high spend are typical for the category.
Watch out
0.25% FX rate on foreign transactions
Strengths
- Pro: Essentials is listed as a free tier
- Pro: No personal guarantee, according to Float
- Pro: Both CAD and USD cards are issued
Weaknesses
- Con: Prices are shown in CAD only, with no USD prices
- Con: The 1% cashback rate requires a qualifying level of monthly spending per card program, and terms, eligibility and caps apply
- Con: More than twenty physical cards require the Professional plan
- Con: Float states it is not a bank
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
- Pro: Consolidates multiple financial services into a single platform, simplifying business finance.
- Pro: Offers significantly higher credit limits compared to traditional options, supporting business growth.
- Pro: Provides robust expense management and automation features, reducing manual effort and errors.
- Pro: Enables cost-effective international transactions with no-fee global banking and favorable exchange rates.
- Pro: Quick and easy online application process with rapid approval times.
Weaknesses
- Con: Primarily focused on the Canadian market, limiting its availability to businesses outside Canada.
- Con: Specific reward structures and credit limits may vary based on business eligibility and financial health.
- Con: Reliance on a single platform for all financial needs could pose a risk if service is interrupted.
Key features
Plans and prices: Float Financial vs Keep
| Tool | Plans and prices | Source |
|---|---|---|
| Float Financial |
| floatfinancial.com/pricing read Oct 21, 2026 |
| Keep |
| trykeep.com/pricing read Oct 6, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Float Financial pricing and Keep pricing.
Key Takeaways
Float Financial
- Has a free plan
Keep
- Choose if you want corporate card, global banking, and growth capital for Canadian businesses
What the data shows
On the data below, Float Financial leads on a free plan. We do not name an overall winner for this pair.
- Entry prices are not ranked, they are charged on different bases: Float Financial C$10/user/mo, billed monthly; Keep $79/mo, billed monthly.
- Only Float Financial has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Float Financial and Keep compare in 2026?
On the data below, Float Financial leads on a free plan. We do not name an overall winner for this pair. Entry prices are not ranked, they are charged on different bases: Float Financial C$10/user/mo, billed monthly; Keep $79/mo, billed monthly. Only Float Financial has a free plan.
What are Float Financial and Keep used for?
Float Financial: Manage business accounts, payments, expenses, and controlled CAD and USD cards. Keep: Corporate card, global banking, and growth capital for Canadian businesses.
What does Float Financial cost vs Keep?
Float Financial's cheapest paid plan is Professional at C$10/user/mo, billed monthly; it also has a free plan. Keep's cheapest paid plan is Core at $79/mo, billed monthly. Prices read on the vendors' pricing pages, latest check Oct 21, 2026.
What's the main difference between Float Financial and Keep?
Float Financial's main strength: essentials is listed as a free tier. Keep's main strength: consolidates multiple financial services into a single platform, simplifying business finance.