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Software · head to head

Divvy vs Ramp

Divvy logo

Divvy

Software

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Software

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.

Where they differ

Only the attributes on which Divvy and Ramp actually diverge.

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

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

  • 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

No published plan breakdown. See the Ramp review.

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.
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Related pages

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