Softwr

Accounting · head to head

Divvy vs Veem

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Veem logo

Veem

Accounting

Global business payments made simple

From
$14.99/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; Veem per-transaction fees can be higher than dedicated wire transfer services for large volumes
  • They diverge on capability: Divvy covers Corporate cards, Veem covers International payments.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Veem actually diverge.

Attributes where Divvy and Veem differ
AttributeDivvyVeem
Starting priceFree$14.99/month
Pricing modelfreeUnknown
Free tierYesNo
Founded20162014

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
  • Oracle
  • PCI DSS

Only in Veem

  • International payments
  • Multi-currency
  • Invoice creation
  • Payment tracking
  • Xero
  • Encryption

Both cover

  • Accounting sync
  • QuickBooks
  • NetSuite
  • SOC 2
  • 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 Veem
  • Automating expense reports and receipt capturenot Veem
  • Syncing card spend into accounting softwarenot Veem

Veem

  • International vendor paymentsnot Divvy
  • Cross-border transactionsnot 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

Veem

  • Per-transaction fees can be higher than dedicated wire transfer services for large volumes
  • No free tier - even basic sending incurs transaction fees
  • Premium plan pricing at $14.99/month may not offset savings on transaction fees
  • Limited banking partnerships compared to larger financial platforms

Pricing, plan by plan

Divvy

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

Veem

$14.99/month

No published plan breakdown. See the Veem review.

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 Veem if

  • You need international payments.
  • You work on Web, iOS, Android.
  • You also want multi-currency.
Veem review

Questions people ask

Is Divvy or Veem better?
Neither clearly leads. Divvy starts at Free and Veem at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Veem?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $14.99/month for Veem.
Does Divvy or Veem run on more platforms?
Divvy runs on Web, Ios, Android. Veem runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Veem starts at $14.99/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 Veem is typically brought in for.
What can Divvy do that Veem cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Veem covers International payments, Multi-currency, Invoice creation, Payment tracking. Both handle Accounting sync, QuickBooks, NetSuite, SOC 2.

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
Veem: What payment methods does Veem support?

Veem supports ACH transfers, checks, wallet transfers, and international wires. Payment methods vary by destination country and user preference.

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
Veem: Is there a free tier?

No free tier. Veem charges per-transaction fees based on payment method and destination, with optional Premium Plan at $14.99/month offering enhanced features.

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
Veem: What integrations does Veem have?

Veem integrates with QuickBooks, Xero, QuickBooks Online, NetSuite, Zapier, Plaid, and PopBookings for automated accounting and workflow integration.

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
Veem: How does Veem handle exchange rates?

Veem uses claimed competitive exchange rates and provides transparent pricing. Transactions are routed through different payment rails (credit cards, checks, cryptocurrency) based on the destination.

Source
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