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Business Intelligence · head to head

Board International vs Divvy

Board International logo

Board International

Business Intelligence

Unified planning, budgeting and BI on a single multidimensional model

From
On request
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: Board International no pricing is published, and independent estimates put year-one total cost of ownership at 150,000 to 400,000 US dollars or more once implementation is included, so budget approval requires a sales process before any real evaluation.; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Board International covers Unified model, Divvy covers Corporate cards.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Board International and Divvy actually diverge.

Attributes where Board International and Divvy differ
AttributeBoard InternationalDivvy
Starting priceOn requestFree
Pricing modelquotefree
Free tierNoYes
PlatformsWeb, Windows, iOS, AndroidWeb, Ios, Android
CategoryBusiness IntelligenceAccounting
FoundedUnknown2016

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

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 Board International

  • Unified model
  • Driver-based planning
  • Scenario analysis
  • Data reader and writeback
  • Predictive forecasting
  • Self-service dashboards

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.

Board International

  • A finance function that wants budgeting and management reporting on one model rather than two integrated systemsnot Divvy
  • Supply chain and demand planning where the same dimensional model must serve finance and operationsnot Divvy
  • Rolling forecasts with many scenarios where spreadsheet consolidation has become the constraintnot Divvy
  • An organisation replacing a large collection of Excel models with something auditable and version-controllednot Divvy

Divvy

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

Where each one falls short

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

Board International

  • No pricing is published, and independent estimates put year-one total cost of ownership at 150,000 to 400,000 US dollars or more once implementation is included, so budget approval requires a sales process before any real evaluation.
  • Implementation is heavy and normally delivered by Board professional services or a certified partner, which means the go-live date depends on a third party’s availability rather than your own team.
  • The platform requires a trained internal model owner to remain useful, and organisations that lose that person frequently find the model ossifies because nobody else can safely change it.
  • The interface is dated relative to newer planning tools, which shows up as slower adoption among business users who compare it with the consumer-grade software they use elsewhere.
  • Performance degrades on very large models, and the response to that is usually a modelling redesign delivered by a partner rather than something a customer can fix themselves.

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

Board International

On request
  • Board Intelligent Planning Platform$undefined/year
    • Unified planning, reporting and analytics
    • Cloud or on-premises deployment
    • Named and concurrent user licence options

Divvy

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

Which should you pick?

Choose Board International if

  • You need unified model.
  • You work on Web, Windows, iOS, Android.
  • You also want driver-based planning.
Board International 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 Board International or Divvy better?
Neither clearly leads. Board International starts at On request and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Board International or Divvy?
Divvy has a free tier; the other does not. Paid plans start at On request for Board International and Free for Divvy.
Does Board International or Divvy run on more platforms?
Board International runs on Web, Windows, iOS, Android. 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. Board International starts at On request.
What is Board International best used for?
Board International is most often used for a finance function that wants budgeting and management reporting on one model rather than two integrated systems, supply chain and demand planning where the same dimensional model must serve finance and operations, rolling forecasts with many scenarios where spreadsheet consolidation has become the constraint, an organisation replacing a large collection of excel models with something auditable and version-controlled. Of those, a finance function that wants budgeting and management reporting on one model rather than two integrated systems and supply chain and demand planning where the same dimensional model must serve finance and operations are not what Divvy is typically brought in for.
What can Board International do that Divvy cannot?
Board International covers Unified model, Driver-based planning, Scenario analysis, Data reader and writeback. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Board International: Does Board publish pricing?

No. Licensing and implementation are both quoted, and independent estimates put per-user licensing in the low thousands of dollars per year.

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
Board International: Who owns Board?

Nordic Capital holds a majority stake, with founders and management retaining significant shareholdings.

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
Board International: Is Board a BI tool or a planning tool?

Both, on one multidimensional model, which is the main argument for choosing it over separate tools.

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
Board International: Can it be deployed on premises?

Yes, both cloud and on-premises deployments are supported.

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
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