Softwr

Accounting · head to head

Divvy vs Plaid

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Plaid logo

Plaid

Accounting

The safer way to connect financial accounts

From
$29/month
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; Plaid no dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • They diverge on capability: Divvy covers Corporate cards, Plaid covers Bank account linking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Plaid actually diverge.

Attributes where Divvy and Plaid differ
AttributeDivvyPlaid
Starting priceFree$29/month
Pricing modelfreeusage-based
Free tierYesNo
PlatformsWeb, Ios, AndroidApi, Web, Ios, Android
Founded20162013

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 Plaid

  • Bank account linking
  • Transaction data
  • Identity verification
  • Income verification
  • Asset reports
  • Venmo
  • Robinhood
  • Coinbase

Both cover

  • SOC 2
  • Web support
  • Ios 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 Plaid
  • Automating expense reports and receipt capturenot Plaid
  • Syncing card spend into accounting softwarenot Plaid

Plaid

  • Connecting bank accounts to an application for balances and transactionsnot Divvy
  • Verifying account ownership and income for payments or lendingnot 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

Plaid

  • No dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • Three different billing models apply depending on the product, being one time per connected account, monthly per connected account, and per successful API call
  • That mix means total cost depends on which products are combined rather than on a single unit
  • Discounted rates require the Growth plan, which is a 12 month commitment

Pricing, plan by plan

Divvy

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

Plaid

$29/month
  • Pay-as-you-goFree
    • Bank connections
    • Transaction data
    • Account verification

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 Plaid if

  • You need bank account linking.
  • You work on Api, Web, Ios, Android.
  • You also want transaction data.
Plaid review

Questions people ask

Is Divvy or Plaid better?
Neither clearly leads. Divvy starts at Free and Plaid at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Plaid?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $29/month for Plaid.
Does Divvy or Plaid run on more platforms?
Divvy runs on Web, Ios, Android. Plaid runs on Api, Web, Ios, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Plaid starts at $29/month.
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 Plaid is typically brought in for.
What can Divvy do that Plaid cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Plaid covers Bank account linking, Transaction data, Identity verification, Income verification. Both handle SOC 2, Web support, Ios 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
Plaid: How much does Plaid cost?

Plaid does not publish per request rates. It offers Pay as You Go with no upfront commitment, a Growth plan on a 12 month commitment with discounts, and a Custom plan priced on volume. Figures come from its sales team.

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
Plaid: How does Plaid bill for its products?

Plaid uses three billing shapes: one time fee products charged once per connected account, subscription products charged monthly per connected account, and per request products charged a flat fee for every successful API call.

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
Plaid: Can I test Plaid for free?

Yes. Plaid's Limited Production service allows up to 200 API calls with each available product using live data, before any commitment. Plaid is also free for the consumers whose accounts are connected.

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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