By the end of this page you will know what the three password managers most often recommended to small businesses actually cost in November 2026, what a 10-person and a 25-person Hong Kong team pays per year, which plan quietly rose 25% this summer, and which tools are ready for the new question every owner now faces: how do I let an AI agent log in without handing it the password?
Every price below comes from the vendors' published rates as tracked by independent pricing sites, with the date checked. Prices are in US dollars, with Hong Kong dollar estimates at about HK$7.8 to US$1.
Why does a Hong Kong SME need a business password manager?
A business password manager is an encrypted vault where staff store and share company logins, such as the supplier portal, the shop's Instagram, the bank's corporate login and the courier account. Staff use a login without seeing or copying the password, and the owner can remove access in one click when someone leaves. It replaces the shared spreadsheet, the WhatsApp message and the sticky note.
The decision has become more urgent in 2026 because AI agents now log in to accounts too. When 1Password launched its agent product on 22 October 2026, it noted that many people simply paste a password into the AI chat, leaving a copy somewhere they no longer control, according to The Next Web.
The buying question for most SMEs is therefore not "do we need one?" but "which one, at what price, and does it handle AI agents safely?"
How much does Bitwarden cost for a business?
Bitwarden is the lowest-cost of the three for most teams. Teams costs US$4 per user per month and Enterprise costs US$6 per user per month, both billed annually, according to CostBench, which re-checked the prices on 31 October 2026. A free plan exists, but it only allows sharing with one other person.
Bitwarden plans, checked 31 October 2026
--- Free: US$0, unlimited passwords and devices, sharing with only one other user. Fine for the owner alone, not for a team.
--- Teams: US$4 per user per month, billed annually (US$48 per user per year). Unlimited sharing, event and audit logs, directory sync.
--- Enterprise: US$6 per user per month, billed annually. Adds single sign-on (one company login for everything), custom roles, account recovery and self-hosting, plus a free Families plan for each employee.
--- Trial: buyers report a 30-day business trial. Monthly billing is offered on business plans, but the monthly rate is not listed.
The main trade-off, according to user reviews collected by CostBench, is a less polished interface and slower support on lower tiers. Single sign-on also requires the Enterprise tier, which adds 50% to the per-user cost.
How much does 1Password cost for a business?
1Password offers a flat-rate Teams Starter Pack at US$24.95 per month for up to 10 members, and a Business plan at US$8.99 per user per month, both billed annually. Both prices rose in early July 2026, from US$19.95 and US$7.99, according to PricingSaaS, which compared captures of the pricing page from 29 June and 6 July.
1Password business plans, November 2026
--- Teams Starter Pack: US$24.95 per month flat for up to 10 members, billed annually (US$299.40 per year). Extra seats can now be added beyond 10. Shared vaults and basic admin controls.
--- Business: US$8.99 per user per month, billed annually (US$107.88 per user per year). Adds Watchtower breach alerts, role-based permissions, links to Microsoft Entra ID, Okta, OneLogin and Duo, 20 guest accounts and a free Families plan per user.
--- Trial: 14 days. No permanent free plan.
--- Watch out: some comparison sites still show the old US$7.99 Business price. Reviews collected by CostBench also report renewal increases of 30% to 60% and say price discounts are rarely offered unless you ask.
For a team of exactly 10 or fewer, the Starter Pack is very good value at about US$2.50 per person per month. Above that, the Business plan is the most expensive option on this page.
How much does Keeper cost for a business?
Keeper Business Starter costs US$2 per user per month for teams of 5 to 10, Business costs US$4 and Enterprise costs US$6, all billed annually. Those were the last prices Keeper showed publicly. PricingSaaS recorded them on 29 June 2026, then saw Keeper hide them again on 3 July 2026.
Keeper business plans, last published June 2026
--- Business Starter: US$2 per user per month, billed annually, for 5 to 10 users.
--- Business: US$4 per user per month, billed annually.
--- Enterprise: US$6 per user per month, billed annually, with directory integration and custom policies.
--- Add-ons: Advanced Reporting and Alerts and Compliance Reporting at US$1 per user per month each.
--- Watch out: user reports collected by CostBench describe auto-renewal that can only be switched off by contacting support, and one business reported the whole company being locked out the day after its subscription lapsed. Ask for a written quote and check the renewal terms before you sign.
What does a Hong Kong team actually pay per year?
A 10-person Hong Kong team pays roughly HK$1,900 to HK$8,400 a year, depending on the tool and plan. A 25-person team pays roughly HK$9,400 to HK$21,000. The cheapest workable option changes with team size, because 1Password's flat Starter Pack beats per-user pricing up to 10 people.
10 users, annual billing, list prices
--- Keeper Business Starter: US$240 a year, about HK$1,870.
--- 1Password Teams Starter Pack: US$299.40 a year, about HK$2,340.
--- Bitwarden Teams or Keeper Business: US$480 a year, about HK$3,740.
--- Bitwarden Enterprise: US$720 a year, about HK$5,620.
--- 1Password Business: US$1,078.80 a year, about HK$8,410.
25 users, annual billing, list prices
--- Bitwarden Teams or Keeper Business: US$1,200 a year, about HK$9,360.
--- Bitwarden Enterprise or Keeper Enterprise: US$1,800 a year, about HK$14,040.
--- 1Password Business: US$2,697 a year, about HK$21,040.
To put the numbers in context, even the most expensive option for 10 users works out to about HK$700 a month for the whole team. The real cost of a password manager is the afternoon it takes to move every shared login into it and the habit change it requires from staff.
Which password managers can let AI agents log in safely?
As of November 2026, 1Password is the furthest ahead. Its "1Password for Agents" product, launched on 22 October 2026, lets an AI agent request a login, shows the request on your own device for approval, and then fills the password into the website without the agent ever seeing it. Bitwarden's approach is still an early developer preview. Keeper has not announced an equivalent for small teams.
Here is what each offers today:
--- 1Password: launch partners include agents from OpenAI, Anthropic and Meta. Coverage at launch focused on individual and family accounts, and 1Password gave no pricing or timeline for partner integrations, so confirm availability on business plans before you rely on it.
--- Bitwarden: published an Agent Access software kit in March 2026, described as an early alpha for developers, not for production use, according to a review by developer Flavio Copes.
--- Keeper: sells a separate privileged access product, KeeperPAM, aimed at larger companies, with prices on request.
Why this matters: in an October 2026 study by Cornell Tech and Yale, nine of ten AI models read an emailed approval code and raised their own spending limit. The lesson is the same for passwords. Never give an AI agent a password or access to the inbox that receives your login codes. Approval should happen on a device the agent cannot touch, a principle we explain in our guide to human-in-the-loop.
Which password manager should you choose?
Choose by team size and how much you care about polish versus price. A team of 10 or fewer gets the best value from 1Password's Teams Starter Pack or Keeper Business Starter. A team of 11 to 50 that wants the lowest cost should look at Bitwarden Teams. Choose 1Password Business when ease of use and AI agent features matter more than price.
--- Owner plus a few staff, tight budget: Keeper Business Starter if you are comfortable negotiating renewal terms, otherwise 1Password Teams Starter Pack.
--- Up to 10 staff, non-technical team: 1Password Teams Starter Pack. It has the smoothest setup, and a flat price means no per-seat surprises.
--- 11 to 50 staff, cost first: Bitwarden Teams. It costs less than half of 1Password Business at 25 users.
--- Need one company login for all tools: Bitwarden Enterprise or Keeper Enterprise at US$6 per user.
--- Already letting AI agents work in your accounts: 1Password, but confirm that agent features are available on your business plan before buying.
What are the honest limitations of each option, including ours?
No option wins every row. Bitwarden is cheapest but less polished. 1Password is polished but now the most expensive per user and raised prices 25% in July. Keeper has the lowest entry price but hides its business prices and draws renewal complaints. UD does not sell or resell any of these tools.
Bitwarden: single sign-on needs the US$6 Enterprise tier, and the free plan cannot share with a whole team.
1Password: two price rises in 2026, renewal complaints in public reviews, and agent features that are new and still rolling out.
Keeper: business prices are not shown on its website as of November 2026, so you need a quote, and cancellation reportedly requires contacting support.
UD: we hold no vendor discounts and earn nothing from your choice, so we cannot beat a direct purchase on licence price. If you only need a vault for a small team, buy directly and set it up yourself. Where we help is the wider question: which accounts your staff and AI agents can reach, how approvals work and what happens when someone leaves.
Frequently asked questions
Owners most often ask whether the free plans are enough, whether the browser's built-in password saver is fine, and how long setup takes. Short answers: free plans suit one person, not a team; browser savers lack staff offboarding; and a small team can move its shared logins in an afternoon.
Is a free password manager enough for a small business?
Usually not. Bitwarden Free shares with only one other user, and 1Password has no permanent free plan.
Can I use the password saver in Chrome or Safari instead?
For personal logins, yes. For shared company logins, no, because you cannot cleanly remove a former employee's access.
How long does setup take?
Most teams of 10 can import and share their main logins in two to four hours, then remove the old spreadsheet.
What is the right next step?
Start by listing every shared company login and who uses it. That list tells you your team size, whether you need single sign-on and whether any AI tool already holds a password. Then start a free trial of the tool that matches your size, move the five most sensitive logins first, and switch on two-factor login for each.
If an AI agent already has a password in its chat history, change that password today. We understand AI. UD stands with you.
Reviewed by the UD AI team.
Choosing the vault is the easy part. Knowing which accounts your staff and AI agents can reach, and who approves what, is harder. We will walk you through it step by step, from listing every shared login to setting up approvals and offboarding that keep working after the next hire, the next departure and the next AI tool.