Softwr

Accounting · head to head

Divvy vs Spendee

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Spendee logo

Spendee

Personal Finance

Budget and money management made easy

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; Spendee the free Basic plan allows one cash wallet and one budget
  • They diverge on capability: Divvy covers Corporate cards, Spendee covers Shared wallets.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Spendee actually diverge.

Attributes where Divvy and Spendee differ
AttributeDivvySpendee
Pricing modelfreefreemium
CategoryAccountingPersonal Finance
Founded20162013

Identical on both: starting price (Free), free tier (Yes), platforms (Web, Ios, Android), user rating (Not yet rated).

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
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2
  • PCI DSS

Only in Spendee

  • Shared wallets
  • Financial analytics
  • Bank accounts
  • IOS support

Both cover

  • Budget management
  • Expense tracking
  • Web 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 Spendee
  • Automating expense reports and receipt capturenot Spendee
  • Syncing card spend into accounting softwarenot Spendee

Spendee

  • Tracking personal spending across cash and bank accountsnot Divvy
  • Sharing a budget or wallet with a partner or householdnot 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

Spendee

  • The free Basic plan allows one cash wallet and one budget
  • Shared wallets are excluded from the free plan
  • Premium at $5.99 a month is triple the $1.99 Plus plan, and the pricing page does not quantify what separates them beyond shared wallets
  • Bank sync depends on a supported bank list rather than being universal

Pricing, plan by plan

Divvy

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

Spendee

Free
  • FreeFree
    • Expense tracking
    • Budget creation
    • 3 wallets
  • Premium$6.99/month
    • Unlimited wallets
    • Advanced analytics
    • Investment tracking

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 real-time visibility.
Divvy review

Choose Spendee if

  • You need shared wallets.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want financial analytics.
Spendee review

Questions people ask

Is Divvy or Spendee better?
Neither clearly leads. Divvy starts at Free and Spendee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Spendee?
Divvy starts at Free and Spendee at Free.
Does Divvy or Spendee run on more platforms?
Divvy runs on Web, Ios, Android. Spendee runs on Web, IOS, Android.
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 Spendee is typically brought in for.
What can Divvy do that Spendee cannot?
Divvy covers Corporate cards, Real-time visibility, Accounting sync, QuickBooks. Spendee covers Shared wallets, Financial analytics, Bank accounts, IOS support. Both handle Budget management, Expense tracking, Web support, Android support.

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
Spendee: Does Spendee offer free and paid plans?

Yes. Spendee offers both Spendee Premium and Spendee Plus paid tiers. The site does not display pricing amounts on the homepage but directs users to a dedicated pricing page for costs.

Source
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
Spendee: How much does Spendee cost?

Pricing details are not available on the homepage. Spendee maintains a dedicated pricing page where Premium and Plus subscription costs are listed.

Source
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
Spendee: Is there a free tier for Spendee?

The site mentions paid tiers but does not specify whether a free tier exists. Full details are available on the pricing page.

Source
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
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