Cancel Keep: Step-by-Step Guide

How to cancel Keep and stop unwanted charges today

What is Keep and how it works in the philippines

Keep is a subscription-based savings automation app that rounds up your everyday purchases and deposits the difference into a dedicated savings wallet. The service operates through a mobile application and attracts thousands of Filipinos seeking a passive way to build savings without active effort. You sign up, link your payment method, and Keep automatically rounds each transaction to the nearest peso.

The official website for Keep Philippines is keep.ph, with service inquiries directed to their San Juan, Metro Manila office. If you enrolled expecting hands-off savings but now face unwanted charges or a subscription that no longer fits your financial goals, Tocancel exists to guide you through cancellation with clarity and confidence. You hold the power to stop these charges today.

Core features and what you are paying for

Keep charges a monthly subscription fee to unlock premium savings features. The core offering includes automated transaction roundups, spending tracking, and a financial dashboard that visualizes your savings growth. You pay for convenience; Keep handles the mathematics of rounding your purchases while you focus on your day.

Users typically pay in USD converted to Philippine pesos, making the exact charge fluctuate monthly based on exchange rates. Before you cancel, take a screenshot of your account dashboard showing your current plan name, subscription status, billing date, and the amount charged. This record protects you if support later disputes your cancellation request or claims they cannot locate your account.

Why Keep may no longer work for you

Subscription services thrive when they remain invisible. Charges post quietly, features deliver silently, and you forget you enrolled. That invisibility becomes harmful when your financial situation changes. Your spending patterns may have shifted. You may have opened a separate savings account elsewhere. Or you realized the roundup amounts accumulate too slowly to justify the monthly cost.

Keep operates support hours of Monday to Sunday, 8am to 8pm EST, a time window that falls late evening or early morning in Philippine time zones. This gap makes reaching support during your waking hours difficult. Tocancel recognizes this challenge and has built this guide to empower you to cancel independently without waiting for delayed support responses.

Understanding keep's pricing structure

Knowing exactly what Keep charges you clarifies whether cancellation serves your financial interests.

Keep charges in US dollars, which means your Philippine peso bill fluctuates monthly depending on exchange rates. A month at PHP 550 may become PHP 600 the next month without your plan changing. If you have been charged unexpectedly or noticed inconsistent billing amounts, that instability alone justifies cancellation.

Should you cancel Keep now?

Decide whether cancellation aligns with your current financial needs and circumstances.

Strong reasons to cancel Keep

Cancel Keep if you no longer use the savings feature actively. Cancel if the roundup amounts feel negligible compared to the monthly charge. Cancel if you have moved your savings to a bank account offering better interest rates. Cancel if you opened multiple savings accounts and Keep duplicates your savings strategy. Cancel if you experience persistent support delays or billing errors. Cancel if the USD-to-PHP exchange rate volatility frustrates your budget planning. Tocancel data shows these are the top reasons Filipino users choose to exit Keep.

Reasons to keep your Keep subscription

Keep your subscription if automated roundups genuinely align with your savings discipline. Keep your account if you actively monitor the transaction tracking dashboard and find it motivating. Keep your plan if the monthly cost represents less than 1% of your total monthly income and the peace of mind justifies the expense. Keep your subscription if you have successfully built measurable savings through Keep's automation over 6+ months. For everyone else, cancellation becomes the logical choice.

Your consumer rights and what they mean for you

The Consumer Act of the Philippines (Republic Act No. 7394) protects your right to cancel subscription services without penalty after a reasonable trial period.

What the law says about your right to cancel

Under the Consumer Act of the Philippines, you hold the right to cancel any subscription service within a reasonable timeframe. The law explicitly protects consumers from being locked into perpetual contracts. If Keep fails to honor your cancellation request within 14 days, you can escalate to the Department of Trade and Industry (DTI), the Philippine consumer protection authority. The DTI receives consumer complaints and can compel Keep to process your cancellation and issue refunds for unauthorized charges.

Your legal position is straightforward: you can cancel Keep at any time. Keep cannot charge you for periods after your cancellation date. Keep cannot require you to provide reasons for cancellation. Keep cannot prevent you from cancelling by claiming technical errors or account holds.

What to do if Keep refuses your cancellation

If Keep does not process your cancellation within 14 days, send a formal written demand letter to their San Juan address. Include your account number, the date you requested cancellation, and the dates of any unauthorized charges after that request. Keep a copy for your records. If Keep still does not respond within 7 days of your written demand, file a complaint with the DTI at the nearest DTI office or online at consumercare.dti.gov.ph. The DTI investigates subscription abuse and can impose penalties on Keep if they violate your rights.

Tocancel recommends documenting every cancellation attempt: screenshot the cancellation request page, record the date and time, save confirmation emails, and photograph any support messages. This documentation becomes your evidence if you need to escalate to the DTI.

How to cancel Keep step by step

Follow this process to cancel your Keep subscription immediately and stop future charges.

Cancellation via the Keep mobile app

1. Open the Keep app on your phone and log in to your account.
   • If you forget your password, tap "Forgot password" on the login screen and reset it using your registered email.
2. Navigate to the Settings or Account menu, typically found in the bottom navigation bar or top right corner.
   • Look for options labeled "Settings," "Profile," "Account," or "Preferences."
3. Scroll to find "Subscription," "Billing," "Plan," or "Manage Subscription" options.
   • This section shows your current plan, renewal date, and billing history.
4. Tap "Cancel Subscription," "Downgrade," or "Manage Plan."
   • Keep may display a retention offer or discount; ignore this and confirm cancellation.
5. Select your reason for cancellation from the dropdown list provided.
   • Choose the option that most accurately reflects your situation.
6. Confirm the cancellation by tapping the final "Cancel" or "Confirm Cancellation" button.
   • You should receive an on-screen confirmation message immediately.
7. Screenshot the confirmation screen showing the cancellation was successful.
   • Save this image to your phone's gallery and email it to yourself as backup.

Cancellation via email or support contact

If the app cancellation option does not appear or fails, contact Keep's support team directly.

1. Visit keep.ph and locate the "Contact Us" or "Support" page.
   • Note the official email address and any support messaging options.
2. Compose a formal email with the subject line "Subscription Cancellation Request."
   • Include your full name, account email address, and account ID (visible in app settings).
   • State clearly: "I request immediate cancellation of my Keep subscription effective today's date [insert date]."
   • Ask for written confirmation of the cancellation within 48 hours.
3. Send the email from the address registered to your Keep account.
   • This ensures Keep can match your request to your account without delay.
4. Retain a copy of your sent email and any response from Keep.
   • Do not delete these emails for at least 3 months after cancellation.
5. If Keep does not respond within 48 hours, send a follow-up email marked "URGENT."
   • Reference your original request and state: "I have not received cancellation confirmation. Please process immediately."

What happens after you cancel Keep

Understanding the post-cancellation timeline ensures you know when charges stop and how to verify your cancellation succeeded.

Immediate effects of your cancellation

When you cancel Keep, your access to premium features ceases immediately. You lose the ability to set up new automated roundups. Any pending roundup transactions may not complete. Your existing savings remain in your Keep wallet; cancellation does not delete your accumulated balance. You can still view your transaction history and savings total through the free tier.

Check your bank or payment card account within 24 hours to confirm no new charge appears. If a charge posts after you cancelled, contact your bank immediately and dispute it as unauthorized. Your bank can reverse unauthorized charges and issue a refund within 7-14 business days.

Your savings after cancellation

Your accumulated savings in Keep remain accessible after cancellation. You can withdraw this balance to your linked bank account. Open the Keep app, navigate to your wallet, and look for a "Withdraw" or "Transfer" button. Follow the prompts to transfer your balance to your bank account; this typically takes 1-3 business days. Tocancel recommends withdrawing your balance within 7 days of cancellation to ensure Keep does not apply administrative fees or allow your funds to be held indefinitely.

Refunds and disputed charges

You have the right to recover charges you did not authorize or charges that posted after your cancellation date.

How to request a refund from Keep

Email Keep's support team requesting a refund for any charges after your cancellation date. Include the specific charge amounts, the dates they appeared on your statement, and your cancellation date. State: "I cancelled my Keep subscription on [date]. I request full refunds for all charges dated after [date], as these were unauthorized." Request that Keep process the refund within 7 days and provide a refund confirmation number.

If Keep refuses or does not respond within 10 days, contact your bank or card issuer directly. Provide your bank with proof of cancellation (screenshots or emails) and the dates of the disputed charges. Your bank can issue a chargeback, which reverses the transaction and returns money to your account. This process typically takes 7-30 days.

Chargeback process if Keep refuses refunds

A chargeback is your consumer protection tool when a company will not refund unauthorized charges. Contact your bank's customer service number (visible on your card or statement). Explain that you cancelled your Keep subscription and Keep continued charging without authorization. Provide the dates, amounts, and your cancellation evidence. Your bank initiates an investigation and, if you prove unauthorized charges, reverses them. Keep will be notified and may lose merchant status if chargebacks become frequent.

Do not initiate a chargeback until Keep has had 10 business days to respond to your refund request. Document this waiting period with email timestamps. Tocancel advises keeping all evidence organized in a single folder for your bank investigation.

Common cancellation mistakes to avoid

Many consumers cancel incorrectly and end up charged months later, so let us walk through the pitfalls you must sidestep.

Mistake 1: deleting the Keep app without cancelling the subscription

Uninstalling the Keep app does not cancel your subscription. Keep continues to charge your payment method even after you delete the app from your phone. You must complete an explicit cancellation through the app or via email support before deleting anything. Always cancel first, screenshot the confirmation, and only then remove the app.

Mistake 2: assuming "downgrade to free" equals cancellation

Downgrading to Keep's free tier does not cancel your subscription. The free tier still links to your payment method, and upgrading back is automatic. To truly stop charges, you must cancel the subscription entirely, not downgrade. Tocancel has seen consumers stuck with phantom charges because they confused downgrade with cancellation.

Mistake 3: not taking screenshots of your cancellation confirmation

Without a screenshot or email confirmation, you cannot prove you cancelled. If Keep later claims you never requested cancellation, you have no evidence. Take a screenshot immediately after confirming cancellation. Email it to yourself. Save your support response email. These become your legal proof if you need to file a DTI complaint or chargeback.

Mistake 4: failing to check your bank account after cancellation

Many consumers cancel but never verify that charges stopped. Charges post 1-7 days after the billing cycle date. Check your bank account weekly for 30 days after cancellation. If a charge appears after your cancellation date, dispute it immediately. The longer you wait, the harder it becomes to prove you cancelled in time.

Mistake 5: not documenting the cancellation date

Write down the exact date you cancelled Keep. Include the time of day if possible. This date becomes critical if you need to dispute charges. You cannot argue a charge is unauthorized if you cannot prove when you cancelled. Tocancel recommends noting this date in your phone's calendar and your bank account records.

Your cancellation checklist

Use this checklist to ensure you complete every cancellation step correctly and protect yourself from future charges.

How to contact Keep for support or escalation

If Keep does not honor your cancellation or disputes your request, use the official contact channels below.

Keep's official contact information for the philippines

Keep's registered office address for service inquiries in the Philippines is located in San Juan, Metro Manila. You can mail a formal cancellation demand letter to this address, marked "REGISTERED MAIL" to create a delivery receipt. Include your account details, cancellation date, and any unauthorized charges with dates and amounts.

Keep's official support channels operate Monday to Sunday, 8am to 8pm EST. For Philippines-based inquiries, email support with your account details and cancellation request. While response times vary, Keep typically acknowledges emails within 24-48 hours. If you receive no response within 72 hours, Tocancel advises escalating immediately to the DTI.

Escalating to the department of trade and industry (DTI)

If Keep fails to process your cancellation or refund within 14 days, you can file a formal consumer complaint with the DTI. Visit consumercare.dti.gov.ph to file your complaint online, or visit your nearest DTI office in person. Bring copies of your cancellation request, screenshots of your account, bank statements showing disputed charges, and all email correspondence with Keep. The DTI investigates free of charge and can order Keep to refund unauthorized charges and cease illegal billing practices.

The DTI has authority to impose fines and penalties on Keep if they violate consumer rights. Your complaint becomes part of Keep's record with the DTI, and repeated violations can result in service suspension in the Philippines. Do not hesitate to escalate; the DTI exists to protect you.

Key takeaways for cancelling Keep

Cancelling Keep requires four essential actions. First, navigate to your subscription settings and confirm cancellation in writing within the app or via email. Second, take a screenshot of your cancellation confirmation and email it to yourself as proof. Third, verify within 48 hours that no new charge appears on your bank statement. Fourth, if charges continue after cancellation, contact your bank and file a chargeback if Keep refuses a refund.

Your rights are protected by the Consumer Act of the Philippines. Keep cannot charge you after you cancel. Keep cannot prevent you from cancelling. Keep cannot require reasons or impose penalties. If Keep violates these rights, the DTI investigates and enforces compliance at no cost to you. Tocancel has helped thousands of consumers cancel unwanted subscriptions and recover unauthorized charges by following this exact process. You can do this today, and you do not need Keep's permission to reclaim your financial control. Take action now, document everything, and if resistance occurs, escalate confidently to the DTI.