Accounting · head to head
Divvy vs Rydoo
Rydoo
Accounting
Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams
- From
- $10/month
- Rated
- -
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; Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
- They diverge on capability: Divvy covers Corporate cards, Rydoo covers Receipt OCR.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Rydoo actually diverge.
Identical on both: platforms (Web, Ios, Android), 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 Rydoo
- Receipt OCR
- Per diem engine
- Mileage
- VAT fields
- Multi-entity
- ERP export
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 Rydoo
- Automating expense reports and receipt capturenot Rydoo
- Syncing card spend into accounting softwarenot Rydoo
Rydoo
- A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Divvy
- A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Divvy
- A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Divvy
- A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot 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
Rydoo
- A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
- Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
- There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
- Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
- Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Rydoo
$10/month- Essentials$10/month
- Around 9 per user per month billed annually
- Five-user minimum
- Receipt capture, approvals and accounting export
- Pro$12/month
- Around 11 per user per month billed annually
- Per diem engine and advanced policy controls
- Multi-entity and multi-currency handling
- Enterprise$undefined/month
- Quoted pricing
- Custom ERP and single sign-on work
- Dedicated support and onboarding
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 Rydoo if
- You need receipt ocr.
- You work on Web, iOS, Android.
- You also want per diem engine.
Questions people ask
- Is Divvy or Rydoo better?
- Neither clearly leads. Divvy starts at Free and Rydoo at $10/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Rydoo?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $10/month for Rydoo.
- Does Divvy or Rydoo run on more platforms?
- Divvy runs on Web, Ios, Android. Rydoo runs on Web, iOS, Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Rydoo starts at $10/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 Rydoo is typically brought in for.
- What can Divvy do that Rydoo cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields.
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%).
SourceRydoo: Does Rydoo issue cards?
No. It is expense software only; you keep your existing corporate card or bank programme.
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%.
SourceRydoo: Is there a minimum?
Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.
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.
SourceRydoo: Do I need the Pro plan?
If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.
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.
SourceRelated pages
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