How to increase your Keep secured card deposit

Keep allows you to tailor your spending power to fit your business needs. If you already have a Keep secured card and want to add more to your deposit, or if you’re using an unsecured Keep card and want flexible top ups to increase your spending power, this article will guide you through the process.

In this article:

1. How increasing your deposit works

2. How to request an increase

3. What happens after your request

4. Frequently asked questions 

Before you get started

Your Keep secured card limit is always equal to the total amount you have deposited as security. You can increase your limit at any time by adding more to your secured deposit. Each additional deposit directly increases your card’s available limit.

How increasing your deposit works

When you request an increase, you decide how much you want to add to your secured deposit. You can complete the deposit in two ways:

• Pre-authorized debit (PAD) from a verified linked bank account

• Interac e-Transfer, if available in your dashboard

Once processed, your total secured deposit will be updated in your Keep dashboard, and your card limit will match the new total.

Example: If you currently have a $1,000 secured deposit and request to add $500, your new card limit will become $1,500 once the new deposit is processed.

How to request an increase

To request an increase to your secured deposit:

1. Go to your Keep dashboard and find the Total credit limit card

2. Click Add security deposit

3. Enter the amount you want to add (minimum $100)

4. Choose your payment method — PAD or Interac e-Transfer

5. Confirm and submit your request

6. 

What happens after your request

Once your request is submitted:

• The deposit amount you selected will be debited from your chosen payment method

• Once processed, your secured deposit will be updated and your new card limit will reflect the total

  • PAD deposits can take up to 10 business days to settle, depending on your bank

  • Interac e-Transfers are usually instant. 

  You’ll receive a confirmation when your new limit is active in your dashboard and through your email. 

Frequently asked questions 

Can I increase my deposit at any time?
Yes. You can request an increase whenever you’d like.

How is my new limit calculated?
Your new card limit is equal to the total amount of your secured deposit after the new deposit is processed.

Do I need to close my card or reset my account to add more?
No. You can add to your secured deposit without making any changes to your card or account.

How long does it take for my new limit to appear?
Processing typically takes 10 business days if you used your linked account. You’ll receive confirmation when your new limit is active.

What happens if my payment fails?
If your PAD payment fails (for example, due to insufficient funds or an issue with your bank account), you'll see an alert in your dashboard and receive an email notification. You can retry the payment from your dashboard or contact support at support@trykeep.com for help resolving the issue.

Need more help?

If you have any questions about increasing your Keep secured card deposit, contact us at support@trykeep.com. We’re happy to assist.