Accounting · head to head
Divvy vs MYOB
MYOB
Accounting
Australian accounting and business management software for small and mid-sized businesses
- From
- 12/year
- Rated
- -
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; MYOB every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Divvy and MYOB actually diverge.
Identical on both: 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 MYOB
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 MYOB
- Automating expense reports and receipt capturenot MYOB
- Syncing card spend into accounting softwarenot MYOB
MYOB
- Tracking income and unlimited expenses for tax lodgementnot Divvy
- Processing payroll with automated superannuation contributionsnot Divvy
- Managing GST compliance and Business Activity Statement filingnot Divvy
- Reconciling bank transactions and monitoring cash flownot 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
MYOB
- Every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months
- Adding payroll employees beyond the included allowance costs an extra AUD 3/month per additional employee on top of the plan price
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
MYOB
12/year- Solo by MYOB$99/year
- First year $12 (70% off)
- Business Lite$315/year
- First year $94.50 (70% off)
- Payroll $3/month per employee max 2
- Business Pro$70/month
- First 6 months $21 (70% off)
- Unlimited payroll employees
- 14-day free trial
- Business AccountRight Plus$165/month
- First 3 months $66 (60% off)
- Unlimited payroll
- 14-day free trial
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.
Choose MYOB if
Nothing in the data separates MYOB from Divvy on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Divvy or MYOB better?
- Neither clearly leads. Divvy starts at Free and MYOB at 12/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or MYOB?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and 12/year for MYOB.
- Does Divvy or MYOB run on more platforms?
- Divvy runs on Web, Ios, Android. MYOB runs on Web.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. MYOB starts at 12/year.
- 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 MYOB is typically brought in for.
- What can Divvy do that MYOB 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%).
SourceMYOB: How much does MYOB cost?
MYOB pricing starts at $12 AUD per year (first year only) for Solo, with plans ranging to $165 AUD per month for AccountRight Plus after introductory periods expire.
SourceDivvy: 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%.
SourceMYOB: What is MYOB's introductory pricing?
MYOB offers 60-70% off introductory pricing for the first 3-12 months depending on plan selection, after which regular pricing applies with no lock-in contracts.
SourceDivvy: 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.
SourceMYOB: Does MYOB include payroll pricing?
Payroll starts at $3/month per employee (limited on lower tiers) and is included unlimited on Business Pro and AccountRight Plus plans.
SourceDivvy: 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.
SourceRelated pages
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