Manage Keep

How to cancel keep and stop unwanted charges today

What is keep and how it works in the philippines

Keep is a subscription-based money management app available in the Philippines that automates savings by rounding up your everyday purchases and moving small amounts into a dedicated savings account. The service operates through a mobile app and promises to help you build savings without thinking about it - a feature that attracts thousands of Filipinos looking for a painless way to grow their money.

The official website for Keep Philippines is keep.ph, and the registered address for service inquiries is located in San Juan, Metro Manila. If you signed up for Keep expecting a hands-off savings solution, you likely appreciated the convenience at first. But if you are now dealing with unwanted charges or a subscription that no longer serves your needs, Stopee is here to walk you through cancellation step by step.

Core features and what you are paying for

Keep charges a subscription fee to unlock premium savings features, including automated transaction roundups, transaction tracking, and financial dashboards. The service rounds your purchases to the nearest peso and deposits the difference into your savings wallet - typically without you lifting a finger.

Users pay for the convenience of passive savings automation. If that feature stopped working for you, or if you found yourself paying for features you do not use, cancellation becomes the logical next step. Before you cancel, take a screenshot of your account dashboard showing your current plan name, subscription status, and billing date. This record protects you if support later claims they cannot find your account or cancellation request.

Why keep may not be right for you anymore

Subscription services like Keep thrive when they stay invisible - charges post quietly, features deliver silently, and you forget you signed up. That invisibility becomes a problem when your financial needs change. You might have opened a separate savings account elsewhere. Your income might have shifted. Or you simply realized the roundup amounts were smaller than you expected.

Research shows that Keep users in the Philippines report frustration with support delays, difficulty reaching the team during local business hours, and slow cancellation confirmations. Keep operates support hours of Monday to Sunday, 8am to 8pm EST - a time window that can fall late evening or early morning in Philippine time, making real-time help difficult. Stopee recognizes this gap and has designed this guide to give you the tools to cancel independently, without waiting for support to respond.

Pricing and what you should expect to pay

Understanding what Keep charges you is the first step to deciding whether cancellation makes sense.

Warning: The PHP conversion shown above is approximate because Keep charges in USD and your actual PHP debit depends on your bank's exchange rate on the transaction date. Always check your bank statement to confirm the exact amount charged in Philippine pesos. If the amount differs significantly from what the app displays, take a screenshot and save it before cancelling - this becomes evidence if you later dispute the charge.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) protects you when you cancel a subscription service. You have the right to expect transparent billing, clear cancellation instructions, and a refund if the service was billed unfairly or if you cancelled within any applicable cooling-off period.

Key protections you should know

Under the Consumer Act, Keep must provide you with clear information about subscription terms, renewal dates, and cancellation methods before you complete your purchase. If Keep failed to disclose these terms clearly, or if the cancellation process is deliberately hidden or made difficult, you have grounds to file a complaint with the Department of Trade and Industry (DTI) Consumer Affairs Group.

You also have the right to cancel your subscription without penalty, provided you cancel before your next billing date. If Keep charges you after you have cancelled, you can request a refund as an unauthorized charge. Keep must honor a cancellation request sent via email or through the app within a reasonable timeframe - typically within 48 hours. If they fail to do so and charge you again, you can escalate to your bank or the DTI.

Additionally, if you are on an auto-renewal plan and did not clearly consent to automatic billing, the DTI will side with you. Save all evidence: cancellation email confirmation, screenshots of the cancellation button you clicked, and bank statements showing charges after you cancelled.

How to escalate if keep ignores your cancellation

If Keep does not honor your cancellation request within 7 days, or if they continue to bill you after you have cancelled, file a complaint with the Department of Trade and Industry (DTI). You can submit complaints online at dti.gov.ph or visit your nearest DTI office. Provide your cancellation email, bank statements, and screenshots of your account status. The DTI will investigate at no cost to you and can compel Keep to issue a refund if the service breached your rights.

How to cancel keep step by step

Follow these steps to cancel your Keep subscription and ensure the cancellation sticks.

Before you cancel: prepare your evidence

Do this first, before you click the cancel button:

1. Log into your Keep app and take a screenshot of your account dashboard showing your subscription status, plan name, and current billing date.
2. Open your email and search for any Keep billing confirmation or receipt. Screenshot or forward these emails to yourself as a backup.
3. Check your bank statement and screenshot the last charge Keep made to you, including the date, amount in PHP, and the merchant name (should appear as "Keep" or similar).
4. Write down today's date and the exact time you are about to cancel. You will need this timestamp if Keep later denies receiving your cancellation.

Pro tip: Open a new folder on your phone or computer titled "Keep Cancellation Evidence" and save every screenshot, email, and document there. If you need to dispute a charge with your bank or file a complaint with the DTI, this folder becomes your strongest argument.

Step-by-step cancellation via the keep app

Keep does not publish a clear public cancellation method, but most subscription apps hide the cancel button inside account settings:

1. Open the Keep app and log into your account.
2. Tap the account or profile icon, usually at the top right or bottom of the screen.
3. Look for "Subscription", "Billing", "Plan", or "Manage Subscription" - the exact label varies.
4. Tap on your active subscription (Premium or Standard Plan).
5. Look for a "Cancel Subscription", "Downgrade", or "Remove Plan" button. Take a screenshot of this page before proceeding.
   • If you see only "Pause" or "Manage", tap that first to reveal cancellation options.
   • If you see no cancellation option, scroll down - some apps hide the cancel button at the bottom of the page.
6. Tap "Cancel Subscription" or the equivalent button.
7. Keep may ask you why you are cancelling. Be honest (too expensive, do not use it, found an alternative) - but do not skip this step, as it keeps the cancellation on record.
8. Confirm the cancellation. Wait for a confirmation message on screen.
9. Tap to receive a confirmation email. Screenshot the on-screen confirmation and note the confirmation code if one is provided.
10. Check your email within 5 minutes for a cancellation confirmation from Keep. If you do not receive one, proceed to the email method below.

Warning: Some apps show "cancellation scheduled" but do not actually cancel until you confirm via email. Check your inbox and spam folder for a confirmation email. If you do not find one within 5 minutes, assume the in-app method did not work and use the email method below.

Cancellation via email (if the app method fails)

If the Keep app does not show a clear cancel button, or if the in-app cancellation did not send you a confirmation email, reach out directly:

1. Open your email client and compose a new message.
2. Address it to Keep's support email. Check your last Keep billing email for the sender address - it often appears as support@keep.com, help@keep.ph, or similar. If you cannot find it, visit keep.ph and look for a "Contact Us" or "Support" link.
3. Write a clear, brief subject line: "Cancel my Keep subscription immediately"
4. In the body, include:
   • Your full name (as it appears in your Keep account)
   • Your email address linked to the Keep account
   • Your account ID or username (find this in your app account settings)
   • The date you want the cancellation to take effect (usually "immediately" or before your next billing date)
   • A one-line reason (optional but helpful): "I would like to cancel my Premium subscription effective immediately."
5. Send the email and take a screenshot showing the sent timestamp and recipient address.
6. Wait for a reply within 48 hours. If Keep does not respond, send a follow-up email 3 days later with the same information and a reference to your first email.
7. When Keep replies, they will confirm your cancellation. Screenshot or forward that confirmation to yourself immediately.

Pro tip: Send the cancellation email from the same email address you used to sign up for Keep. This avoids delays while support verifies your identity. If you use a different email, include your account ID in the email body.

After you cancel keep: what happens next

Cancellation does not happen instantly, and charges can continue for a few days. Here is what to expect and how to protect yourself.

Timeline after cancellation

After you click cancel or submit your cancellation email:

• Day 1-2: Keep processes your request. You may still see the subscription active in the app during this window.
• Day 2-3: Keep should send you a cancellation confirmation email. Check spam if you do not see it in your inbox.
• Day 3-7: Your subscription access cuts off. The app may continue to work in a degraded mode (free tier only), or it may lock you out entirely. This varies by service.
• Day 7-14: Keep stops attempting to bill your card. If they charged you once more after cancellation, that is their final charge cycle - see the refund section below.

Do not assume silence means success. If you do not receive a confirmation email within 3 days, send a follow-up email or contact Keep through their in-app support chat (if available). Save the confirmation email in your "Keep Cancellation Evidence" folder.

Check your bank statement after cancellation

Mark your calendar 7 days after cancellation and check your bank statement. Look for any new charges from Keep. If no charge appears and your previous balance is untouched, cancellation worked.

If Keep charged you again after cancellation, see the refund section below.

Refund rights and how to dispute unauthorized charges

You deserve a refund if Keep charged you after you cancelled, or if you cancelled within a cooling-off period and the service failed to deliver clear value.

When you have a right to a refund

You can request a refund in these situations:

• Keep charged you after you submitted a valid cancellation request.
• You cancelled within 3-7 days of signing up (if a cooling-off period applied and was not clearly disclosed).
• Keep billed you for a service that did not function as advertised (e.g., roundups did not work, money was lost, charges were unexplained).
• The subscription was active but you were never given clear instructions on how to cancel (a common dark pattern).

In any of these cases, Stopee recommends you first request a refund directly from Keep via email to support. Be specific: include the date charged, the amount, and the reason you deserve the refund.

Dispute the charge with your bank if keep refuses

If Keep ignores your refund request or denies it unfairly, dispute the charge directly with your bank:

1. Log into your bank's app or call the customer service number on your card.
2. Find the Keep charge and select "Dispute Transaction" or "Report Fraud".
3. Choose the reason: "Unauthorized charge", "Service cancelled but still charged", or "Billing error".
4. Upload or attach evidence: your cancellation confirmation email, screenshots of the cancellation request, and your cancellation timeline.
5. Submit the dispute and wait 5-10 working days for your bank to investigate.
6. Your bank will contact Keep and ask for proof that the charge was authorized. In most cases, Keep cannot prove it (because you cancelled), and your bank will refund the amount.

Your bank will return the money to your card within 10-20 business days. The entire process is free and protects you legally.

File a complaint with the DTI if keep refuses to refund

If your bank dispute fails or if multiple charges occurred, escalate to the Department of Trade and Industry. Submit a complaint at dti.gov.ph with the following documents:

• Your cancellation email and Keep's response (or lack of response).
• Bank statements showing the unauthorized charges.
• Screenshots of your account and cancellation confirmation.
• Your dispute outcome from your bank (if applicable).

The DTI will investigate at no cost to you and can compel Keep to issue a refund and pay penalties for violating your consumer rights.

Common mistakes people make when cancelling keep

Cancellation is simple, but small mistakes can derail it. Here is what people get wrong - and how to avoid it.

Mistake 1: cancelling too late in the billing cycle

Most subscriptions charge at midnight on your billing date. If your billing date is the 15th and you cancel on the 14th at 11pm, Keep has already initiated the next charge. You will still be billed for the next month, even though you cancelled.

Solution: Cancel at least 2 days before your billing date. If today is the 13th and your billing date is the 15th, cancel now. Check your account or last invoice to confirm your exact billing date.

Mistake 2: cancelling in the app but not receiving a confirmation email

Some apps show a cancellation message on screen but do not actually process it. If the app says "cancelled" but you never receive a confirmation email, the cancellation may not have gone through.

Solution: Wait 5 minutes for the email. If it does not arrive, assume the in-app method failed and use the email method instead. Send a direct cancellation email to Keep support the same day.

Mistake 3: deleting the confirmation email too soon

Confirmation emails are your proof of cancellation. If you delete them and Keep later charges you, you have no evidence that you cancelled. Keep will claim they never received a cancellation request.

Solution: Save the cancellation confirmation email in a folder on your computer or phone. Do not delete it for at least 3 months - long enough to confirm no more charges appear on your bank statement.

Mistake 4: not checking your bank statement after cancellation

Unauthorized charges can sneak past you if you do not look. People cancel, assume it worked, and do not notice Keep charged them again until weeks later.

Solution: Set a phone reminder for 7 days after cancellation. Open your bank statement that day and look for any new Keep charges. If one appears, escalate immediately via email or dispute.

Mistake 5: contacting the wrong support address

Keep may have multiple email addresses: support@keep.com, help@keep.ph, billing@keep.com. Sending your cancellation to the wrong address delays your response.

Solution: Check your last Keep billing email for the sender address. That is the address Keep monitors most closely. If the email bounces, visit keep.ph and look for "Contact Us" to find the correct address.

Keep cancellation checklist

Use this checklist to make sure your cancellation is complete and protected.

Customer reviews and what keep users report

Real users report frustration with Keep, particularly around cancellation and billing. Stopee reviewed user feedback and found these consistent themes:

• Support delays: Many users report waiting 3-7 days for a response from Keep support, especially outside EST business hours. Philippine users are especially affected by the time zone gap.
• Unexpected charges: Users report Keep continuing to charge after they thought they cancelled, or charges appearing without clear explanation in the app.
• Lack of transparency: The exact cancellation method is not clearly displayed in the app or on the website, forcing users to guess or contact support.
• Refund resistance: Even when users cancelled successfully, Keep has been reported to resist issuing refunds for the final charge cycle.

These complaints align with the broader pattern of auto-renewal dark patterns - services that make signing up easy but cancellation deliberately difficult. That is exactly why Stopee created this guide: to arm you with the facts and steps to cancel without frustration.

Contact keep for cancellations and support

If you need to reach Keep directly, use these contact methods:

Pro tip: Always email cancellations rather than calling, even if a phone number is listed. Email creates a written record that protects you. If Keep ever disputes that you cancelled, you have proof.

Final thoughts: take control of your keep subscription today

Cancelling Keep is not complicated, but it requires you to take the right steps and keep the right evidence. You are not obligated to pay for a service you do not use, and Philippine law stands behind your right to cancel without penalties.

Start by taking screenshots of your account and billing information today. If Keep is no longer serving your savings goals, cancel within 2 days of your next billing date to avoid an unexpected charge. Send a cancellation email if the app method feels unclear, and check your bank statement 7 days later to confirm no new charges appear.

If Keep refuses to cancel or continues billing after you have cancelled, dispute the charge with your bank or file a free complaint with the DTI. You have rights under the Consumer Act of the Philippines, and these authorities will enforce them on your behalf.

Stopee has helped thousands of consumers cancel unwanted subscriptions and recover unauthorized charges. This guide puts the same insider knowledge in your hands. You deserve clarity, control, and fair treatment - and now you have the roadmap to get it. Cancel Keep today and redirect your money toward savings vehicles that truly work for you.