Software · head to head
Divvy vs Spendesk
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; Spendesk no publicly available pricing, requires custom quote
- They diverge on capability: Divvy covers Corporate cards, Spendesk covers Company cards.
Where they differ
Only the attributes on which Divvy and Spendesk actually diverge.
Identical on both: user rating (Not yet rated), category (Unknown), founded (2016).
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
- Expense tracking
- Real-time visibility
- Accounting sync
- QuickBooks
- Oracle
Only in Spendesk
- Company cards
- Expense management
- Invoice payments
- Spend analytics
- Xero
- Sage
Both cover
- Budget management
- NetSuite
- SOC 2
- PCI DSS
- 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 Spendesk
- Automating expense reports and receipt capturenot Spendesk
- Syncing card spend into accounting softwarenot Spendesk
Spendesk
- Expense managementnot Divvy
- Spend controlnot Divvy
- Finance automationnot 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
Spendesk
- No publicly available pricing, requires custom quote
- Strong European presence but limited in some non-EU markets
- High implementation costs due to extensive integration requirements
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Spendesk
$29/month- EssentialsFree
- Virtual cards
- Expense tracking
- Approvals
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 expense tracking.
Choose Spendesk if
- You need company cards.
- You work on Web, Mobile iOS, Mobile Android.
- You also want expense management.
Questions people ask
- Is Divvy or Spendesk better?
- Neither clearly leads. Divvy starts at Free and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Spendesk?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $29/month for Spendesk.
- Does Divvy or Spendesk run on more platforms?
- Divvy runs on Web, Ios, Android. Spendesk runs on Web, Mobile iOS, Mobile Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Spendesk 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 Spendesk is typically brought in for.
- What can Divvy do that Spendesk cannot?
- Divvy covers Corporate cards, Expense tracking, Real-time visibility, Accounting sync. Spendesk covers Company cards, Expense management, Invoice payments, Spend analytics. Both handle Budget management, NetSuite, SOC 2, PCI DSS.
Answered from the vendors’ own pages
Spendesk: What is included in Spendesk's platform?
Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.
SourceSpendesk: How does Spendesk handle expense receipts?
Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.
SourceSpendesk: What integrations does Spendesk offer?
Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.
SourceSpendesk: Is Spendesk profitable?
Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.
SourceSpendesk: What is Spendesk's valuation?
Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.
SourceSpendesk: How much time can Spendesk save on bookkeeping?
Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.
Source