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Accounting & Finance · head to head

Divvy vs SAP Concur

Divvy logo

Divvy

Accounting & Finance

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
SAP Concur logo

SAP Concur

Accounting & Finance

Travel, expense, and invoice management

From
$29/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; SAP Concur listed on UK G-Cloud 14 at £0.21 to £9.70 per unit for SAP Concur Travel & Expense Professional Edition, submitted directly by SAP Concur, with the unit and billing period not further defined on the listing
  • They diverge on capability: Divvy covers Corporate cards, SAP Concur covers Expense management.

Where they differ

Only the attributes on which Divvy and SAP Concur actually diverge.

Attributes where Divvy and SAP Concur differ
AttributeDivvySAP Concur
Starting priceFree$29/month
Pricing modelfreesubscription
Free tierYesNo
Founded20161993

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting & Finance).

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
  • SOC 2

Only in SAP Concur

  • Expense management
  • Travel booking
  • Invoice processing
  • Spend analytics
  • Policy compliance
  • SAP
  • Workday
  • SOC 1/2

Both cover

  • Oracle
  • 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 SAP Concur
  • Automating expense reports and receipt capturenot SAP Concur
  • Syncing card spend into accounting softwarenot SAP Concur

SAP Concur

  • Enterprise expense managementnot Divvy
  • Corporate travelnot Divvy
  • Invoice processingnot 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

SAP Concur

  • Listed on UK G-Cloud 14 at £0.21 to £9.70 per unit for SAP Concur Travel & Expense Professional Edition, submitted directly by SAP Concur, with the unit and billing period not further defined on the listing

Pricing, plan by plan

Divvy

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

SAP Concur

$29/month
  • Professional$8/month
    • Expense reporting
    • Receipt capture
    • Approvals
  • Premium$12/month
    • Travel booking
    • Invoice management
    • Analytics

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 SAP Concur if

  • You need expense management.
  • You work on Web, Ios, Android.
  • You also want travel booking.
SAP Concur review

Questions people ask

Is Divvy or SAP Concur better?
Neither clearly leads. Divvy starts at Free and SAP Concur at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or SAP Concur?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $29/month for SAP Concur.
Does Divvy or SAP Concur run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. SAP Concur starts at $29/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 SAP Concur is typically brought in for.
What can Divvy do that SAP Concur cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Both handle Oracle, Web support, Ios support, Android support.
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