Keep

Keep is a financial technology company, not a chartered bank. It provides corporate credit cards issued on the Mastercard network alongside software for expense management and international payments. The firm does not hold deposits in the same regulatory manner as a Schedule I Canadian bank.

Keep markets a corporate credit card with what it describes as 10x higher limits, a rewards program, expense automation, growth capital financing up to $1 million, and fee-free global banking support for over a dozen currencies. International payments are processed at the firm's stated mid-market exchange rates.

Keep offers a business Mastercard approved through an online application. The firm advertises funding decisions within 72 hours. Credit limits are determined through its proprietary underwriting process rather than traditional bank criteria, and the card includes spend controls, virtual card issuance, and direct accounting integration.

Keep serves Canadian businesses segmented into enterprise, small business, and startup categories. The company's website states it is trusted by over 5,000 Canadian businesses and targets fast-growing companies seeking higher credit limits and consolidating financial operations onto one platform.

Keep supports sending and receiving money in over a dozen global currencies, claiming to use mid-market foreign-exchange rates with no added fees. The firm aims to replace standalone FX services by pairing international payments with its core corporate-card and expense-management platform.