Software · head to head
Divvy vs Pleo
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; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
- They diverge on capability: Divvy covers Corporate cards, Pleo covers Company cards.
Where they differ
Only the attributes on which Divvy and Pleo actually diverge.
Identical on both: user rating (Not yet rated), category (Unknown).
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
- Oracle
Only in Pleo
- Company cards
- Receipt capture
- Expense categorization
- Spend limits
- Xero
- Sage
Both cover
- Accounting sync
- QuickBooks
- NetSuite
- SOC 2
- PCI DSS
- 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 Pleo
- Automating expense reports and receipt capturenot Pleo
- Syncing card spend into accounting softwarenot Pleo
Pleo
- Employee expensesnot Divvy
- Spending autonomynot Divvy
- Expense automationnot 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
Pleo
- Card delays and transaction limits impact usability, with limited regional acceptance in some areas
- Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
- Limited expense categories and tags reduce flexibility for complex accounting structures
- Transaction approval workflows have minimal customization options
- Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Pleo
£9.5/month- Starter$9.5/month
- Company cards
- Real-time expense tracking
- Automated reports
- Essential$39/month
- Reimbursements
- Mileage and per diem
- Vendor cards
- Advanced$89/month
- Cashback
- Budgets
- Multi-entity management
- Beyond$179/month
- Spending insights
- Sub-wallets
- Dedicated success manager
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 Pleo if
- You need company cards.
- You work on iOS, Android, Web.
- You also want receipt capture.
Questions people ask
- Is Divvy or Pleo better?
- Neither clearly leads. Divvy starts at Free and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Pleo?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and £9.5/month for Pleo.
- Does Divvy or Pleo run on more platforms?
- Divvy runs on Web, Ios, Android. Pleo runs on iOS, Android, Web.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Pleo starts at £9.5/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 Pleo is typically brought in for.
- What can Divvy do that Pleo cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits. Both handle Accounting sync, QuickBooks, NetSuite, SOC 2.
Answered from the vendors’ own pages
Pleo: What are Pleo's pricing tiers?
Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.
SourcePleo: Does Pleo have a free tier?
No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.
SourcePleo: What integrations does Pleo support for accounting?
Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.
SourcePleo: What platforms can access Pleo?
Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.
SourcePleo: Does Pleo support multiple currencies?
Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.
Source