Is Divvy or Moneybird better?

Neither clearly leads. Divvy starts at Free and Moneybird at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Divvy or Moneybird?

Divvy starts at Free and Moneybird at Free.

Does Divvy or Moneybird run on more platforms?

Divvy runs on Web, Ios, Android. Moneybird 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 Moneybird is typically brought in for.

What can Divvy do that Moneybird cannot?

Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Accounting · head to head

Divvy vs Moneybird

Divvy

Accounting

Free expense management and corporate cards

From: Free
Rated: -

Full review Website

Moneybird

Accounting

Dutch online bookkeeping software for freelancers and growing entrepreneurs

From: Free
Rated: -

Full review Website

The short version

Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Moneybird compact tier severely limits functionality with only 5 monthly transactions
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Moneybird actually diverge.

Attributes where Divvy and Moneybird differ
Attribute	Divvy	Moneybird
Pricing model	free	subscription
Platforms	Web, Ios, Android	Web
Founded	2016	Unknown

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 Moneybird

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

Moneybird

Freelancer bookkeepingnot Divvy
Small business accountingnot Divvy
Growing entrepreneur accountingnot Divvy
Full-featured bookkeeping managementnot 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

Moneybird

Compact tier severely limits functionality with only 5 monthly transactions
Bank connections limited to 5 on Start and Groei tiers until Compleet level
Multi-user support only available starting at Groei tier (29 EUR/month)

Pricing, plan by plan

Divvy

Free

FreeFree
- Unlimited cards
- Expense management
- Budget controls

Moneybird

Free

Compact$3/month
- 1 user
- 5 monthly transactions limit
- 0 bank connections
Start$15/month
- 1 user
- 20 monthly transactions
- 5 bank connections
Groei$29/month
- 5 users
- 50 monthly transactions
- 5 bank connections
Compleet$41/month
- Unlimited users
- Unlimited monthly transactions
- Unlimited bank connections

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 Moneybird if

You want to start without paying.

Moneybird review

Questions people ask

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

Moneybird: How much does Moneybird cost and what free trial is available?

Plans start at EUR 3/month for Compact tier, with a 60-day free trial offering full Compleet access (EUR 41/month value) at no cost. Annual billing offers up to 25% discount across all tiers.

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

Moneybird: What user limits exist across different Moneybird plans?

Compact and Start tiers are limited to 1 user. Groei supports 5 users. Compleet tier has unlimited users, making it the only option for multi-team organizations.

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

Moneybird: How many transactions can I process monthly on each Moneybird tier?

Compact allows 5 transactions/month, Start allows 20, Groei allows 50, and Compleet allows unlimited transactions. Transaction limits reset monthly.

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

Moneybird: Do Moneybird plans have bank connection limits?

Compact tier has zero bank connections. Start and Groei tiers each support 5 bank connections. Only the Compleet tier (EUR 41/month) offers unlimited bank connections.

Source

Divvy vs Moneybird

Divvy

Moneybird

The short version

Where they differ

What each one covers

Only in Divvy

Only in Moneybird

What people use each for

Divvy

Moneybird

Where each one falls short

Divvy

Moneybird

Pricing, plan by plan

Divvy

Moneybird

Which should you pick?

Choose Divvy if

Choose Moneybird if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Divvy

More on Moneybird

Keep looking

Other head to heads