Accounting · head to head
Divvy vs Zoho Expense
Zoho Expense
Accounting
Expense reporting and travel management at three dollars per user per month
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Zoho Expense aI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
- They diverge on capability: Divvy covers Corporate cards, Zoho Expense covers Receipt OCR.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Zoho Expense actually diverge.
| Attribute | Divvy | Zoho Expense |
|---|---|---|
| Pricing model | free | Per user per month |
| Founded | 2016 | Unknown |
Identical on both: starting price (Free), free tier (Yes), 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
- Accounting sync
- QuickBooks
- NetSuite
- Oracle
Only in Zoho Expense
- Receipt OCR
- Corporate card reconciliation
- Per diem and mileage
- Approval workflows
- Travel requests and booking
- Policy engine
- Multi currency and multi entity
- Accounting integration
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 Zoho Expense
- Automating expense reports and receipt capturenot Zoho Expense
- Syncing card spend into accounting softwarenot Zoho Expense
Zoho Expense
- A mid market company replacing spreadsheet expense claims without a five figure annual software budgetnot Divvy
- An existing Zoho One customer extending the suite so expense data lands in Zoho Books without integration worknot Divvy
- A business with staff travelling across several currencies that needs automatic exchange rate handling on claimsnot Divvy
- A services firm rebilling project expenses to clients and needing them coded to projects at the point of claimnot 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
Zoho Expense
- AI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
- Zoho Expense does not issue cards, so policy enforcement is retrospective and out of policy spend is caught after the money has left rather than declined at the terminal.
- Additional users who create expenses are billed at the monthly rate rather than the annual rate, which makes a large population of occasional claimants more expensive than the headline three dollars implies.
- Support quality is the recurring complaint across Zoho products, and at three dollars a seat there is no commercial room for the account management that mid market finance teams expect at renewal or during an audit.
- Deep configuration such as complex approval matrices and custom fields is workable but fiddly, and there is no meaningful professional services organisation to hand implementation to.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Zoho Expense
Free- FreeFree
- Up to 3 users
- Receipt capture with limited AI scans
- Basic expense reports
- Standard$3/month
- Billed annually, minimum 3 users
- Corporate card reconciliation
- Approval workflows
- Premium$5/month
- Billed annually
- Travel requests and self booking
- Advanced approvals and policy rules
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.
Choose Zoho Expense if
- You need receipt ocr.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want corporate card reconciliation.
Questions people ask
- Is Divvy or Zoho Expense better?
- Neither clearly leads. Divvy starts at Free and Zoho Expense at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Zoho Expense?
- Divvy starts at Free and Zoho Expense at Free.
- Does Divvy or Zoho Expense run on more platforms?
- Divvy runs on Web, Ios, Android. Zoho Expense 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 Zoho Expense is typically brought in for.
- What can Divvy do that Zoho Expense cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Zoho Expense covers Receipt OCR, Corporate card reconciliation, Per diem and mileage, Approval workflows.
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%).
SourceZoho Expense: Is the free plan usable in production?
Only for three users. Beyond that you move to Standard, which has a three user minimum anyway.
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%.
SourceZoho Expense: Does Zoho Expense issue corporate cards?
No. It reconciles card feeds but does not issue cards, so you need a card programme elsewhere if you want spend blocked before it happens.
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.
SourceZoho Expense: What is the real cost for a hundred users?
Around three thousand six hundred dollars a year on Standard annual billing, plus higher monthly rates for any additional occasional claimants beyond your licensed 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.
SourceRelated pages
More on Zoho Expense
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