Softwr

Accounting · head to head

Divvy vs Spendbase

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Spendbase logo

Spendbase

Accounting

SaaS and cloud spend management that charges a share of the savings it finds rather than a licence

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; Spendbase charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
  • They diverge on capability: Divvy covers Corporate cards, Spendbase covers Subscription visibility.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Divvy and Spendbase actually diverge.

Attributes where Divvy and Spendbase differ
AttributeDivvySpendbase
Pricing modelfreeFree card tier, plus a share of savings on the managed plan
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

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

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

Only in Spendbase

  • Subscription visibility
  • Discount marketplace
  • Virtual cards
  • Cashback
  • Renewal management
  • Savings-share billing

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 Spendbase
  • Automating expense reports and receipt capturenot Spendbase
  • Syncing card spend into accounting softwarenot Spendbase

Spendbase

  • A startup with no procurement function that wants renewal dates and subscription owners in one placenot Divvy
  • A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Divvy
  • Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Divvy
  • A finance lead who wants software cost reduction without hiring anyone to do itnot 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

Spendbase

  • Charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
  • The savings share is reported at around 25 percent but is not published on the pricing page, so the actual commercial terms only appear in a contract.
  • Spendbase is both a banking provider and your software negotiator, so a company using both concentrates operating cash and vendor relationships in one small, young company.
  • Banking is delivered through partners rather than held directly, meaning deposit protection and service continuity depend on those partners rather than on Spendbase.
  • It is scoped for startups and small companies, so organisations needing approval workflows, purchase orders or ERP integration will find it thin against a real procurement platform.

Pricing, plan by plan

Divvy

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

Spendbase

Free
  • Digital bankingFree
    • No monthly fee per user
    • Up to 100 virtual cards
    • EUR and GBP account details
  • Spend management$undefined/year
    • Everything in the free tier
    • Reported share of roughly 25 percent of savings achieved
    • 200 percent return guarantee against a deposit

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 Spendbase if

  • You need subscription visibility.
  • You want to start without paying.
  • You also want discount marketplace.
Spendbase review

Questions people ask

Is Divvy or Spendbase better?
Neither clearly leads. Divvy starts at Free and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Spendbase?
Divvy starts at Free and Spendbase at Free.
Does Divvy or Spendbase run on more platforms?
Divvy runs on Web, Ios, Android. Spendbase runs on Web.
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 Spendbase is typically brought in for.
What can Divvy do that Spendbase cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

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
Spendbase: Is Spendbase free?

The card and banking tier is genuinely free with no per-user fee. The spend management service is paid from a share of the savings it finds, reported at around 25 percent.

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
Spendbase: How is a saving calculated?

The methodology is not published. Agree the baseline, the measurement period and what counts as a saving in writing before signing.

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
Spendbase: Does Spendbase hold my money?

Banking is provided through regulated partners including Moorwand in the UK and EEA and Sutton Bank in the US, with Mastercard issuing the cards.

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
Spendbase: Is it suitable for an enterprise?

No. There are no purchase orders, approval hierarchies or ERP integration; it is built for startups.

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