Softwr

Accounting · head to head

Divvy vs Fortnox

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Fortnox logo

Fortnox

Accounting

Swedish cloud accounting and business platform for bookkeeping, invoicing and payroll

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Fortnox corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK)
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Fortnox actually diverge.

Attributes where Divvy and Fortnox differ
AttributeDivvyFortnox
Pricing modelfreesubscription
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

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 Divvy

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

Only in Fortnox

Nothing recorded that Divvy does not also cover.

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 Fortnox
  • Automating expense reports and receipt capturenot Fortnox
  • Syncing card spend into accounting softwarenot Fortnox

Fortnox

  • Registering Swedish corporations with guided formation assistancenot Divvy
  • Selling unpaid invoices to improve cash flownot Divvy
  • Managing multiple client businesses from bureau dashboardnot Divvy
  • Integrating payroll with Swedish banking automationnot 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

Fortnox

  • Corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK)
  • The Fortnox Access verification tier is priced by transaction volume, rising from 9 kr/man at zero verifications to 199 kr/man at 1000+ verifications (SEK), so cost is not fixed and scales with usage

Pricing, plan by plan

Divvy

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

Fortnox

Free
  • New Company TrialFree
    • 6-month free trial for newly started businesses

Which should you pick?

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

Choose Fortnox if

  • You want to start without paying.
Fortnox review

Questions people ask

Is Divvy or Fortnox better?
Neither clearly leads. Divvy starts at Free and Fortnox at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Fortnox?
Divvy starts at Free and Fortnox at Free.
Does Divvy or Fortnox run on more platforms?
Divvy runs on Web, Ios, Android. Fortnox runs on Web.
Can I use Divvy for free?
Both have a free tier, so you can try either at no cost before committing.
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 Fortnox is typically brought in for.
What can Divvy do that Fortnox cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

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
Fortnox: Does Fortnox offer a free trial?

Yes, newly started businesses receive their first six months in Fortnox at no cost, followed by subscription-based pricing.

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
Fortnox: What pricing tiers does Fortnox offer?

Fortnox offers tiered subscription packages that vary by module (accounting, invoicing, payroll) but specific pricing details are not listed on the main website.

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
Fortnox: How can I find Fortnox pricing information?

Detailed pricing is available on the packages page (/paket), through a purchasing guide tool at buy-guide.fortnox.se, or by contacting sales representatives directly.

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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