Softwr

Accounting · head to head

Divvy vs Expensify

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Expensify logo

Expensify

Accounting

Expense management for receipts, bills & more

From
$5/month
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Expensify minimal offline expense entry capabilities hamper use in areas with unstable internet
  • They diverge on capability: Divvy covers Budget management, Expensify covers SmartScan receipts.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Expensify actually diverge.

Attributes where Divvy and Expensify differ
AttributeDivvyExpensify
Starting priceFree$5/month
Pricing modelfreeUnknown
Free tierYesNo
Founded20162008

Identical on both: 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 Divvy

  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • Oracle
  • SOC 2
  • Web support
  • Ios support

Only in Expensify

  • SmartScan receipts
  • Expense reports
  • Reimbursements
  • Travel booking
  • Mileage tracking
  • Multi-currency
  • Real-time syncing
  • Xero

Both cover

  • Corporate cards
  • QuickBooks
  • NetSuite
  • PCI DSS

What people use each for

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

Divvy

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

Expensify

  • Expense reportingnot Divvy
  • Receipt managementnot Divvy
  • Travel expensesnot Divvy
  • Corporate card managementnot Divvy
  • Reimbursementsnot Divvy

Where each one falls short

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

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

Expensify

  • Minimal offline expense entry capabilities hamper use in areas with unstable internet
  • OCR receipt data extraction requires manual review and correction for accuracy
  • Per-user pricing model increases costs for larger organizations

Pricing, plan by plan

Divvy

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

Expensify

$5/month

No published plan breakdown. See the Expensify review.

Which should you pick?

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

Choose Expensify if

  • You need smartscan receipts.
  • You work on Web, iOS, Android.
  • You also want expense reports.
Expensify review

Questions people ask

Is Divvy or Expensify better?
Neither clearly leads. Divvy starts at Free and Expensify at $5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Expensify?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $5/month for Expensify.
Does Divvy or Expensify run on more platforms?
Divvy runs on Web, Ios, Android. Expensify runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Expensify starts at $5/month.
What is Divvy best used for?
Divvy is most often used for issuing corporate cards with pre-set budgets to employees, automating expense reports and receipt capture, syncing card spend into accounting software. Of those, issuing corporate cards with pre-set budgets to employees and automating expense reports and receipt capture are not what Expensify is typically brought in for.
What can Divvy do that Expensify cannot?
Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Expensify covers SmartScan receipts, Expense reports, Reimbursements, Travel booking. Both handle Corporate cards, QuickBooks, NetSuite, PCI DSS.

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
Expensify: How does Expensify capture receipts?

Expensify uses SmartScan technology with OCR to automatically extract data from receipt images, reducing manual data entry. Users can photograph receipts with their phone to quickly create expense entries.

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
Expensify: What reimbursement methods does Expensify support?

Expensify supports ACH reimbursement via direct deposit after setting up a direct deposit account. Next-day reimbursement is available, or standard processing takes 3-5 business days.

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
Expensify: How does Expensify offline mode work?

Expensify has limited offline capabilities. Users can capture receipts offline, but data syncs when internet connectivity is restored. Full functionality requires online access.

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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