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Software · head to head

Divvy vs Fyle

Divvy logo

Divvy

Software

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Fyle logo

Fyle

Software

Real-time expense management that works with your cards

From
$29/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; Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • They diverge on capability: Divvy covers Corporate cards, Fyle covers Real-time card tracking.

Where they differ

Only the attributes on which Divvy and Fyle actually diverge.

Attributes where Divvy and Fyle differ
AttributeDivvyFyle
Starting priceFree$29/month
Pricing modelfreesubscription
Free tierYesNo

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown), founded (2016).

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
  • Oracle
  • SOC 2

Only in Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Approval workflows
  • Mileage tracking
  • Xero
  • Sage Intacct
  • Slack

Both cover

  • QuickBooks
  • NetSuite
  • PCI DSS
  • Web support
  • Ios support
  • Android support

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

Fyle

  • Expense reporting and corporate card reconciliationnot Divvy
  • Enforcing spend policy and approvals before reimbursementnot 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

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

Pricing, plan by plan

Divvy

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

Fyle

$29/month
  • Standard$8/month
    • Real-time card feeds
    • Receipt matching
    • Basic approvals
  • Business$12/month
    • Advanced policies
    • Custom workflows
    • Analytics
  • Enterprise$undefined/month
    • Unlimited users
    • API access
    • Priority support

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 Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle review

Questions people ask

Is Divvy or Fyle better?
Neither clearly leads. Divvy starts at Free and Fyle at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Fyle?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $29/month for Fyle.
Does Divvy or Fyle run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Fyle starts at $29/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 Fyle is typically brought in for.
What can Divvy do that Fyle cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Both handle QuickBooks, NetSuite, PCI DSS, Web support.
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