Softwr

Accounting · head to head

Divvy vs Volopay

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From
On request
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; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • They diverge on capability: Divvy covers Corporate cards, Volopay covers Multi-currency business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and Volopay actually diverge.

Attributes where Divvy and Volopay differ
AttributeDivvyVolopay
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
CategoryAccountingPayroll
Founded2016Unknown

Identical on both: 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
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

Only in Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Expense management
  • Accounting integrations
  • 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 Volopay
  • Automating expense reports and receipt capturenot Volopay
  • Syncing card spend into accounting softwarenot Volopay

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Divvy
  • A finance team wanting free domestic transfers with accounts payable automation includednot Divvy
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Divvy
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

Pricing, plan by plan

Divvy

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

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

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 Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Questions people ask

Is Divvy or Volopay better?
Neither clearly leads. Divvy starts at Free and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Volopay?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Volopay.
Does Divvy or Volopay run on more platforms?
Divvy runs on Web, Ios, Android. Volopay runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Volopay starts at On request.
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 Volopay is typically brought in for.
What can Divvy do that Volopay cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

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
Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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
Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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
Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

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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