Softwr

Accounting · head to head

Brex vs Divvy

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Brex covers Business accounts, Divvy covers Budget management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Brex and Divvy actually diverge.

Attributes where Brex and Divvy differ
AttributeBrexDivvy
Pricing modelsubscriptionfree
Founded20172016

Identical on both: starting price (Free), free tier (Yes), platforms (Web, Ios, Android), 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 Brex

  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • Xero
  • FDIC insured

Only in Divvy

  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • Oracle

Both cover

  • Corporate cards
  • QuickBooks
  • NetSuite
  • SOC 2
  • PCI DSS
  • Web support
  • Ios support
  • Android support

What people use each for

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

Brex

  • Corporate cards with spend controls for startupsnot Divvy
  • Expense management and reimbursementsnot Divvy
  • Travel booking inside the spend platformnot Divvy
  • Bill pay and accounting system syncnot Divvy
  • Multi-entity spend management on the paid tiersnot Divvy

Divvy

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

Where each one falls short

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

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

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

Brex

Free
  • EssentialsFree
    • Global card acceptance
    • Accounting integrations
    • Real-time reporting
  • Premium$12/month
    • per user
    • Custom expense policies
    • Dynamic approval chains
  • Enterprise$null/month
    • Custom pricing

Divvy

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

Which should you pick?

Choose Brex if

  • You need business accounts.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want expense management.
Brex review

Choose Divvy if

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

Questions people ask

Is Brex or Divvy better?
Neither clearly leads. Brex starts at Free and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Divvy?
Brex starts at Free and Divvy at Free.
Does Brex or Divvy run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Brex for free?
Both have a free tier, so you can try either at no cost before committing.
What is Brex best used for?
Brex is most often used for corporate cards with spend controls for startups, expense management and reimbursements, travel booking inside the spend platform, bill pay and accounting system sync. Of those, corporate cards with spend controls for startups and expense management and reimbursements are not what Divvy is typically brought in for.
What can Brex do that Divvy cannot?
Brex covers Business accounts, Expense management, Bill pay, Travel. Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Both handle Corporate cards, QuickBooks, NetSuite, SOC 2.

Answered from the vendors’ own pages

Brex: Does Brex have a free plan?

Yes. Brex Essentials is free for startups and growing companies and includes global card acceptance, AI-powered rules, accounting integrations, real-time reporting, and bill pay.

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
Brex: What is Brex Premium pricing?

Brex Premium costs $12 per user per month and is designed for mid-sized companies. It adds custom expense policies, dynamic approval chains, AI compliance auditing, multi-entity support, and live budgets.

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
Brex: What countries accept Brex cards?

Brex cards are accepted in 210+ countries. The Smart Card plan offers local-currency cards in 50+ countries for companies focused on procurement simplification and international payments.

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
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