Accounting · head to head
Divvy vs Soldo
Soldo
Accounting
Prepaid company card and spend control platform for European businesses
- From
- £21/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; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
- They diverge on capability: Divvy covers Corporate cards, Soldo covers Prepaid company cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Soldo 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 Soldo
- Prepaid company cards
- Card-level budgets
- Receipt capture
- Accounting export
- Multi-currency wallets
- Approval workflows
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 Soldo
- Automating expense reports and receipt capturenot Soldo
- Syncing card spend into accounting softwarenot Soldo
Soldo
- A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Divvy
- A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Divvy
- A UK company that cannot get approved for a credit-based corporate card programmenot Divvy
- A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot 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
Soldo
- Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
- The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
- It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
- Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
- Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Soldo
£21/month- Standard$21/month
- Three users included
- Around £7 per additional user per month
- Physical card issuance fee around £5, virtual around £1
- Plus$33/month
- Three users included
- Around £11 per additional user per month
- Advanced approval and multi-currency features
- Enterprise$undefined/month
- Quoted pricing
- Custom card volumes and entity structures
- Dedicated account management
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 Soldo if
- You need prepaid company cards.
- You work on Web, iOS, Android.
- You also want card-level budgets.
Questions people ask
- Is Divvy or Soldo better?
- Neither clearly leads. Divvy starts at Free and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Soldo?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and £21/month for Soldo.
- Does Divvy or Soldo run on more platforms?
- Divvy runs on Web, Ios, Android. Soldo runs on Web, iOS, Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Soldo starts at £21/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 Soldo is typically brought in for.
- What can Divvy do that Soldo cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.
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%).
SourceSoldo: Is Soldo a credit card?
No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.
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%.
SourceSoldo: What licence does Soldo hold?
Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.
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.
SourceSoldo: What does it really cost for twenty users?
Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.
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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