Softwr

Accounting · head to head

Divvy vs Workiva

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Workiva logo

Workiva

Accounting

Connected reporting platform for SEC filings, iXBRL tagging, SOX and sustainability disclosure

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; Workiva pricing is quoted per solution and per user and is not published, and because moving a filing cycle off the platform carries deadline risk, renewal negotiations favour the vendor heavily.
  • They diverge on capability: Divvy covers Corporate cards, Workiva covers Linked data.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Divvy and Workiva actually diverge.

Attributes where Divvy and Workiva differ
AttributeDivvyWorkiva
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

Identical on both: 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 Workiva

  • Linked data
  • Inline XBRL tagging
  • SEC filing
  • SOX and controls
  • Sustainability reporting
  • Audit trail
  • Collaboration
  • Data connectors

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

Workiva

  • A newly public company facing its first 10-K where the tie-out process in Word and Excel is not survivable at the deadlinenot Divvy
  • A European group preparing CSRD sustainability disclosure that must be assurance-ready rather than a marketing documentnot Divvy
  • A finance team whose auditors keep raising review points about version control and unsupported changes in the reporting packnot Divvy
  • A group with several statutory filers that wants one set of numbers feeding many jurisdictional reportsnot 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

Workiva

  • Pricing is quoted per solution and per user and is not published, and because moving a filing cycle off the platform carries deadline risk, renewal negotiations favour the vendor heavily.
  • Cost is difficult to justify for smaller filers whose reporting burden is a single 10-K a year, where an outsourced financial printer is cheaper.
  • Getting the initial linked-data structure right is a substantial project, and companies that rush the first cycle end up with links that break and a manual tie-out anyway.
  • The spreadsheet interface is deliberately not Excel and finance teams accustomed to Excel keyboard behaviour and modelling features find it slower for anything analytical.
  • ESG and sustainability modules were added later than the financial reporting core and buyers report them as less mature, so a company buying primarily for CSRD is buying the newer and weaker half of the product.

Pricing, plan by plan

Divvy

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

Workiva

On request
  • Workiva Platform$undefined/year
    • Linked data across documents and spreadsheets
    • SEC and ESEF filing with iXBRL tagging
    • SOX, internal audit and statutory reporting modules

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 Workiva if

  • You need linked data.
  • You also want inline xbrl tagging.
Workiva review

Questions people ask

Is Divvy or Workiva better?
Neither clearly leads. Divvy starts at Free and Workiva at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Workiva?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Workiva.
Does Divvy or Workiva run on more platforms?
Divvy runs on Web, Ios, Android. Workiva runs on Web.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Workiva 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 Workiva is typically brought in for.
What can Divvy do that Workiva cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Workiva covers Linked data, Inline XBRL tagging, SEC filing, SOX and controls.

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
Workiva: Does Workiva do the XBRL tagging for me?

The platform provides tagging tools and validation, and Workiva offers services, but the tagging judgement remains the filer's responsibility.

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
Workiva: Is it only for US SEC filers?

No. It supports European ESEF filings, statutory reporting in several jurisdictions and sustainability frameworks such as CSRD and ISSB.

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
Workiva: What does it cost?

Not published. Expect tens to hundreds of thousands of dollars a year depending on solutions and user count.

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
Workiva: Can it replace our consolidation system?

No. It reports on consolidated numbers and connects to ERP and consolidation tools, but it does not perform the consolidation.

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