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Personal Finance · head to head

Cash App vs Divvy

Cash App logo

Cash App

Personal Finance

Money sent in seconds

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: Cash App the App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Cash App covers Money transfers, Divvy covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Cash App and Divvy actually diverge.

Attributes where Cash App and Divvy differ
AttributeCash AppDivvy
PlatformsIOS, AndroidWeb, Ios, Android
CategoryPersonal FinanceAccounting
Founded20132016

Identical on both: starting price (Free), pricing model (free), free tier (Yes), 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 Cash App

  • Money transfers
  • Direct deposit
  • Bitcoin trading
  • Stock investing
  • Bank accounts
  • Cash Card
  • IOS support

Only in Divvy

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

Both cover

  • Android support

What people use each for

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

Cash App

  • Budget Managementnot Divvy
  • Expense Trackingnot Divvy
  • Investment Trackingnot Divvy

Divvy

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

Where each one falls short

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

Cash App

  • The App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.

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

Cash App

Free
  • FreeFree
    • Money transfers
    • Direct deposit
    • Mobile app
  • Cash App Investing$undefined/month
    • Stock trading
    • Bitcoin trading

Divvy

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

Which should you pick?

Choose Cash App if

  • You need money transfers.
  • You want to start without paying.
  • You work on IOS, Android.
  • You also want direct deposit.
Cash App 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 Cash App or Divvy better?
Neither clearly leads. Cash App 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, Cash App or Divvy?
Cash App starts at Free and Divvy at Free.
Does Cash App or Divvy run on more platforms?
Cash App runs on IOS, Android. Divvy runs on Web, Ios, Android.
Can I use Cash App for free?
Both have a free tier, so you can try either at no cost before committing.
What is Cash App best used for?
Cash App is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Divvy is typically brought in for.
What can Cash App do that Divvy cannot?
Cash App covers Money transfers, Direct deposit, Bitcoin trading, Stock investing. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Both handle Android support.

Answered from the vendors’ own pages

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
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
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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