Softwr

Accounting · head to head

Divvy vs Pennylane

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Pennylane logo

Pennylane

Accounting

French tool combining business finances, accounting and a pro account in one platform

From
On request
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; Pennylane no pricing is displayed on the homepage or linked pricing page; visitors are directed only to a Demarrer maintenant (Start now) signup flow with no published EUR figure
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Pennylane actually diverge.

Attributes where Divvy and Pennylane differ
AttributeDivvyPennylane
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

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 Pennylane

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

Pennylane

  • Automated invoicing with payment reminders and collectionsnot Divvy
  • Real-time cash flow visibility and financial forecastingnot Divvy
  • Employee expense management with card controls and workflowsnot Divvy
  • Automated supplier invoice payment processingnot Divvy
  • Mandatory e-invoicing compliance (France September 2026)not 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

Pennylane

  • No pricing is displayed on the homepage or linked pricing page; visitors are directed only to a Demarrer maintenant (Start now) signup flow with no published EUR figure
  • The product bundles accounting, invoicing and a business bank account together, so buyers cannot subscribe to only one function

Pricing, plan by plan

Divvy

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

Pennylane

On request

No published plan breakdown. See the Pennylane review.

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 Pennylane if

Nothing in the data separates Pennylane from Divvy on the points above - pick on price and on how each one feels to use.

Pennylane review

Questions people ask

Is Divvy or Pennylane better?
Neither clearly leads. Divvy starts at Free and Pennylane at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Pennylane?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Pennylane.
Does Divvy or Pennylane run on more platforms?
Divvy runs on Web, Ios, Android. Pennylane runs on Web.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Pennylane starts at On request.
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 Pennylane is typically brought in for.
What can Divvy do that Pennylane 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
Pennylane: What financial processes does Pennylane help automate?

Pennylane streamlines multiple financial functions including invoice creation, expense management, payment collection, and receipt documentation. The platform centralizes data from facturation, purchasing, treasury, and accounting in one unified system.

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
Pennylane: Can Pennylane help with corporate spending control?

Yes. Pennylane provides corporate cards for employees with built-in spending controls and authorization workflows, allowing businesses to manage team expenses while maintaining visibility and approval requirements.

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
Pennylane: Does Pennylane provide real-time financial visibility?

Yes. Pennylane's unified dashboard provides live transaction visibility and real-time cash flow monitoring across the entire business, helping teams access financial data instantly.

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
Share

Related pages

More on Divvy

More on Pennylane

Keep looking

Other head to heads