Softwr

Accounting · head to head

Divvy vs MoneyWiz

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
M

MoneyWiz

Personal Finance

Simple and powerful personal finance app

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; MoneyWiz there is no free tier; every plan requires a subscription
  • They diverge on capability: Divvy covers Corporate cards, MoneyWiz covers Multi-currency support.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and MoneyWiz actually diverge.

Attributes where Divvy and MoneyWiz differ
AttributeDivvyMoneyWiz
Pricing modelfreefreemium
CategoryAccountingPersonal Finance
Founded20162011

Identical on both: starting price (Free), free tier (Yes), platforms (Web, Ios, Android), user rating (Not yet rated).

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
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2
  • PCI DSS

Only in MoneyWiz

  • Multi-currency support
  • Financial analytics
  • Bank accounts
  • Credit cards
  • IOS support

Both cover

  • Budget management
  • Expense tracking
  • Web 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 MoneyWiz
  • Automating expense reports and receipt capturenot MoneyWiz
  • Syncing card spend into accounting softwarenot MoneyWiz

MoneyWiz

  • Tracking personal accounts, budgets and bills across iOS, macOS, Windows and Androidnot Divvy
  • Syncing one finance database across multiple devices through MoneyWiz Cloudnot Divvy
  • Automatically importing transactions through bank syncnot 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

MoneyWiz

  • There is no free tier; every plan requires a subscription
  • Bank sync with over 40,000 banks is Premium only, at 59.99 USD a year or 5.99 USD a month
  • The Standard plan at 29.99 USD a year provides only cloud sync between devices, with no bank sync
  • Subscriptions cap usage at 15 devices and two MoneyWiz Cloud accounts
  • Priority support is restricted to the Premium tier

Pricing, plan by plan

Divvy

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

MoneyWiz

Free
  • FreeFree
    • Basic expense tracking
    • Multiple accounts
  • Premium$4.99/month
    • Advanced analytics
    • Budget forecasting
    • Custom categories

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 real-time visibility.
Divvy review

Choose MoneyWiz if

  • You need multi-currency support.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want financial analytics.
MoneyWiz review

Questions people ask

Is Divvy or MoneyWiz better?
Neither clearly leads. Divvy starts at Free and MoneyWiz at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or MoneyWiz?
Divvy starts at Free and MoneyWiz at Free.
Does Divvy or MoneyWiz run on more platforms?
Divvy runs on Web, Ios, Android. MoneyWiz runs on Web, IOS, Android.
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 MoneyWiz is typically brought in for.
What can Divvy do that MoneyWiz cannot?
Divvy covers Corporate cards, Real-time visibility, Accounting sync, QuickBooks. MoneyWiz covers Multi-currency support, Financial analytics, Bank accounts, Credit cards. Both handle Budget management, Expense tracking, Web support, Android support.

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
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
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
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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