Softwr

Accounting · head to head

Billin vs Divvy

Billin logo

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From
€6.6/month
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Billin and Divvy actually diverge.

Attributes where Billin and Divvy differ
AttributeBillinDivvy
Starting price€6.6/monthFree
Pricing modelsubscriptionfree
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2016

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Billin

Nothing recorded that Divvy does not also cover.

Only in Divvy

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

What people use each for

The jobs each tool is most often brought in to do.

Billin

  • Invoice managementnot Divvy
  • Multi-user accounting for freelancers and small businessesnot Divvy

Divvy

  • Issuing corporate cards with pre-set budgets to employeesnot Billin
  • Automating expense reports and receipt capturenot Billin
  • Syncing card spend into accounting softwarenot Billin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Billin

  • Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
  • Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

Divvy

  • Divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • No standalone pricing is published for the spend and expense product; the site routes to a trial signup and sales contact
  • Signup is gated behind selecting a business type and accounting software rather than being open self-serve

Pricing, plan by plan

Billin

€6.6/month
  • Plan Básico$80/year
    • 0-5 clients
    • 1 user
    • Max 10 products
  • Plan Básico$96/month
  • Plan Pro$168/year
    • 6-50 clients
    • 3 users
    • Max 50 products
  • Plan Pro$204/month

Divvy

Free
  • FreeFree
    • Unlimited cards
    • Expense management
    • Budget controls

Which should you pick?

Choose Billin if

Nothing in the data separates Billin from Divvy on the points above - pick on price and on how each one feels to use.

Billin review

Choose Divvy if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want budget management.
Divvy review

Questions people ask

Is Billin or Divvy better?
Neither clearly leads. Billin starts at €6.6/month and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or Divvy?
Divvy has a free tier; the other does not. Paid plans start at €6.6/month for Billin and Free for Divvy.
Does Billin or Divvy run on more platforms?
Billin runs on Web. Divvy runs on Web, Ios, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Billin starts at €6.6/month.
What is Billin best used for?
Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what Divvy is typically brought in for.
What can Billin do that Divvy cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source
Divvy: What is the cheapest way to get started with spend and expense management?

BILL's Spend & Expense plan has a free tier with no per-user subscription fee, including corporate cards, budget management, and AI receipt capture. You only pay transaction fees for ACH ($0.59), checks ($1.99), or instant payments (1%).

Source
Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source
Divvy: What transaction costs apply when paying vendors?

ACH payments cost $0.59 per transaction, checks cost $1.99, virtual cards are free, and same-day ACH costs $11.99. International wire transfers cost $19.99. Card payments are 2.9%.

Source
Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

Source
Divvy: Does the free spend and expense tier include business credit lines?

The free Spend & Expense plan includes access to business credit lines ranging from $1,000 to $5 million, but credit lines are not guaranteed and eligibility is determined upon application approval.

Source
Divvy: What is the pricing for accounts payable if I need more than the free tier?

AP plans range from $49/user/month (Essentials) to $89/user/month (Corporate, most popular), with Enterprise at custom pricing. Higher tiers add accounting software integrations, procurement features, and approval controls.

Source
Share

Related pages

More on Billin

More on Divvy

Keep looking

Other head to heads