Softwr

Accounting · head to head

Divvy vs Pleo

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/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; 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.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Pleo actually diverge.

Attributes where Divvy and Pleo differ
AttributeDivvyPleo
Starting priceFree£9.5/month
Pricing modelfreeUnknown
Free tierYesNo
PlatformsWeb, Ios, AndroidiOS, Android, Web
Founded20162015

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
  • 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.
Divvy review

Choose Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want receipt capture.
Pleo review

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

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
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.

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
Pleo: 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.

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
Pleo: 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.

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
Pleo: 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.

Source
Pleo: 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
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