Softwr

Accounting · head to head

Dinero vs Divvy

Dinero logo

Dinero

Accounting

Danish accounting software for small businesses and self-employed

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: Dinero free tier only for turnover under 100,000 DKK annually; 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 Dinero and Divvy actually diverge.

Attributes where Dinero and Divvy differ
AttributeDineroDivvy
Pricing modelfreemiumfree
PlatformsWebWeb, Ios, Android
FoundedUnknown2016

Identical on both: starting price (Free), free tier (Yes), 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 Dinero

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.

Dinero

  • Small business accountingnot Divvy

Divvy

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

Where each one falls short

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

Dinero

  • Free tier only for turnover under 100,000 DKK annually
  • Monthly billing costs 52 DKK more than annual on Starter+

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

Dinero

Free
  • StarterFree
    • For businesses with turnover under 100,000 DKK annually
    • Basic accounting functions
    • Limited advisor guidance
  • Starter+$245/month
    • Unlimited turnover
    • Ad-free invoices
    • 297 DKK if monthly billing
  • Pro$345/month
    • Automatic booking suggestions
    • Full bookkeeping support 8-22 daily
    • 24/7 AI support
  • Total$545/month
    • Annual financial statements included
    • Prioritized chat support
    • Unlimited risk and credit assessments

Divvy

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

Which should you pick?

Choose Dinero if

  • You want to start without paying.
Dinero 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 Dinero or Divvy better?
Neither clearly leads. Dinero 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, Dinero or Divvy?
Dinero starts at Free and Divvy at Free.
Does Dinero or Divvy run on more platforms?
Dinero runs on Web. Divvy runs on Web, Ios, Android.
Can I use Dinero for free?
Both have a free tier, so you can try either at no cost before committing.
What is Dinero best used for?
Dinero is most often used for small business accounting. Of those, small business accounting is not what Divvy is typically brought in for.
What can Dinero do that Divvy cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Dinero: How much does Dinero cost?

Dinero offers a free Starter plan for businesses under 100,000 DKK annual turnover. Starter+ is 245 DKK/month (yearly) or 297 DKK/month (monthly billing). Pro is 345 DKK/month, and Total is 545 DKK/month.

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
Dinero: Is Dinero free?

Yes, Dinero offers a free Starter plan for businesses with annual turnover under 100,000 DKK, including basic accounting and limited advisor guidance.

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
Dinero: What discount does Dinero offer for multiple businesses?

A 33% discount applies when managing multiple businesses with Pro or Total subscriptions.

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 Dinero

More on Divvy

Keep looking

Other head to heads