Softwr

Accounting · head to head

Divvy vs Lexware

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Lexware logo

Lexware

Accounting

Accounting and invoicing software for German small businesses and freelancers

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; Lexware 50% discount only applies for first 3 months
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Lexware actually diverge.

Attributes where Divvy and Lexware differ
AttributeDivvyLexware
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 Lexware

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

Lexware

  • German business accountingnot Divvy
  • Invoicing and bookkeepingnot 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

Lexware

  • 50% discount only applies for first 3 months
  • Regular prices are double the discounted prices after promotion
  • Pricing is in EUR only

Pricing, plan by plan

Divvy

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

Lexware

Free
  • S$3.95/month
    • Belegerfassung und -archiv (Document capture and archive)
  • M$6.45/month
    • Angebote, (E-) Rechnungen und Mahnungen (Offers, invoices, reminders)
  • L$10.95/month
    • Buchhaltung, EÜR und Umsatzsteuer (Accounting, EÜR, sales tax)
  • XL$16.45/month
    • EU- und Abschlagsrechnungen, API (EU invoices, installment invoices, API)

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 Lexware if

  • You want to start without paying.
Lexware review

Questions people ask

Is Divvy or Lexware better?
Neither clearly leads. Divvy starts at Free and Lexware at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Lexware?
Divvy starts at Free and Lexware at Free.
Does Divvy or Lexware run on more platforms?
Divvy runs on Web, Ios, Android. Lexware 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 Lexware is typically brought in for.
What can Divvy do that Lexware 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
Lexware: How much does Lexware cost?

Lexware pricing ranges from €3.95/month (plan S) to €16.45/month (plan XL) at discounted rates. Regular pricing is €7.90 to €32.90/month. All prices include hosting, backups, updates, and support.

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
Lexware: Is there a current promotional offer?

Yes, Lexware offers 50% discount for the first 3 months on all plans, then regular pricing applies. The billing period is monthly and cancellable anytime.

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
Lexware: Does Lexware offer a free trial?

Yes, Lexware offers a 30-day free trial with full XL features plus Lohn & Gehalt (payroll) access included.

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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