Softwr

Accounting · head to head

Divvy vs Ramp

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Divvy covers Budget management, Ramp covers Expense management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Ramp actually diverge.

Attributes where Divvy and Ramp differ
AttributeDivvyRamp
Pricing modelfreesubscription
PlatformsWeb, Ios, AndroidWeb, Mobile apps
Founded20162019

Identical on both: starting price (Free), free tier (Yes), 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

  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • Oracle

Only in Ramp

  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • Xero
  • Sage Intacct

Both cover

  • Corporate cards
  • 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 Ramp
  • Automating expense reports and receipt capturenot Ramp
  • Syncing card spend into accounting softwarenot Ramp

Ramp

  • Corporate expense management and automationnot Divvy
  • Accounts payable automation with AI invoice processingnot Divvy
  • Multi-currency travel and policy managementnot 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

Ramp

  • Procurement module unavailable on Free plan; available as add-on on Plus
  • Workday and Oracle Fusion integrations limited to Enterprise tier only
  • Multi-entity functionality requires Plus tier or higher
  • Local card issuance in 30+ countries limited to Enterprise tier
  • Advanced ERP integrations require higher tier selection

Pricing, plan by plan

Divvy

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

Ramp

Free
  • FreeFree
    • Unlimited physical and virtual corporate cards
    • Receipt collection and matching
    • AI-powered OCR invoice capture
  • Plus$15/month
    • All Free plan features
    • Auto-lock cards for compliance violations
    • 24/7 phone support
  • Enterprise$null/year
    • All Plus plan features
    • Custom pricing
    • Workday and Oracle integrations

Which should you pick?

Choose Divvy if

  • You need budget management.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want expense tracking.
Divvy review

Choose Ramp if

  • You need expense management.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want bill pay.
Ramp review

Questions people ask

Is Divvy or Ramp better?
Neither clearly leads. Divvy starts at Free and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Ramp?
Divvy starts at Free and Ramp at Free.
Does Divvy or Ramp run on more platforms?
Divvy runs on Web, Ios, Android. Ramp runs on Web, Mobile apps.
Can I use Divvy for free?
Both have a free tier, so you can try either at no cost before committing.
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 Ramp is typically brought in for.
What can Divvy do that Ramp cannot?
Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Ramp covers Expense management, Bill pay, Accounting automation, Spend insights. Both handle Corporate cards, 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
Ramp: How much does Ramp Plus plan cost?

Ramp Plus plan costs $15 USD per user per month plus a platform fee based on team size. Annual billing provides a 20% discount compared to monthly billing.

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
Ramp: What accounting systems does Ramp integrate with?

Ramp Free and Plus plans integrate with QuickBooks Online and Xero. Plus plan adds access to additional ERP systems, and Enterprise plan supports Workday, Oracle, and advanced options.

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
Ramp: Does Ramp offer a free plan?

Yes, Ramp Free plan includes unlimited corporate cards, AI invoice capture, receipt collection, multiple payment methods, QuickBooks and Xero integrations, and 24/7 chat support. No pricing is charged for the Free tier.

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 Ramp

Keep looking

Other head to heads