Keep vs Divvy: Which is Better in 2026?
Choosing between Keep and Divvy 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:
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
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
| At a Glance | Keep | Divvy |
|---|---|---|
Starts at | $79/moCore | FreeFree tier available |
Best For | Finance | Expense Management |
Rating | - | 4.5/5 |
Free plan | No | Yes |
Choose Keep or Divvy?
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
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
| Feature | Keep | Divvy |
|---|---|---|
| Pricing Model | Paid | Free |
| User Rating | No ratings yet | ★4.5/5 2,237 reviews |
| Categories | FinanceExpense Management | Expense ManagementFinance |
In-Depth Analysis
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
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
Pricing: Keep vs Divvy
| Plan | Keep | Divvy |
|---|---|---|
| Tier 1 | $79/mo Core | Free Free |
| Tier 2 | $119/mo Plus | N/A |
| Tier 3 | $199/mo Max | N/A |
Pricing verified from each vendor's public pricing page. Compare in detail on Keep pricing and Divvy 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?
Keep: no ratings yet. Divvy: 2,237 reviews (4.5/5).
Go with: Divvy
3 Questions to Help You Decide
What's your budget?
Keep is paid. Divvy is free. Go with Divvy if free matters most.
What's your use case?
Keep is a finance tool. Divvy is in expense management. 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 Keep or Divvy better?
Divvy is rated in our evaluation. Keep is paid and Divvy is free.
What are Keep and Divvy used for?
Keep: Corporate card, global banking, and growth capital for Canadian businesses. Divvy: Business expense management and corporate cards.
What does Keep cost vs Divvy?
Keep is a paid tool. Divvy is completely free. Visit their websites for detailed pricing.