Divvy

Accounting & Finance

4.1(17 ratings)

82% recommend

Divvy simplifies expense management and budgeting for businesses.

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About Divvy

Best for SMBs wanting free expense management with corporate cards.

Divvy, now part of Bill.com (BILL), is a free expense management and corporate card platform that combines budgeting software with smart corporate credit cards. It gives finance teams real-time visibility into company spending, automates expense reporting, and enforces budgets at the point of purchase. The platform is particularly well-suited for small to mid-sized businesses looking to eliminate manual expense reports and gain tighter control over employee spending. Unlike traditional expense management tools, Divvy issues virtual and physical cards tied directly to specific budgets, making overspending nearly impossible.

Pros

Completely free software with no subscription fees
Real-time spending visibility and budget enforcement
Eliminates manual expense reports and receipt chasing
Virtual cards for secure online and vendor purchases
Automatic receipt matching and categorization

Cons

Requires using Divvy's corporate credit cards
Credit approval needed which may limit some businesses
Limited international support compared to some competitors
Reporting customization can feel somewhat restrictive

Use Cases

Best for companies wanting to eliminate paper-based expense report processes

Best for finance teams needing real-time departmental budget tracking and enforcement

Best for growing businesses issuing corporate cards with built-in spending controls

Best for managers who need approval workflows before purchases are made

Key Features

5 features

Real-time expense tracking

Automated receipt capture

Budgeting and forecasting tools

Customizable spending limits

Integration with accounting software

SaasHunter Score

7.8/10

“You want a free tool for expense management and budgeting for small teams prioritizing cost efficiency.”

Ease of Use

8.0

Features

7.0

Pricing

9.0

Support

7.0

Integrations

8.0

Best For

Startups 9Small Business 8Agencies 7Freelancers 7Enterprise 6

Integrations

QuickBooksNetSuiteXeroSage IntacctMicrosoft DynamicsSlackOracle

Expense Management Corporate Cards

Frequently Asked Questions

What is Divvy?

Divvy is a free expense management platform, now part of BILL, that pairs budgeting software with corporate credit cards to give businesses real-time control over spending. It automates expense tracking and eliminates the need for traditional expense reports.

How much does Divvy cost?

Divvy's software is free to use — the company generates revenue through interchange fees on its corporate credit cards. There are no monthly subscription fees, setup fees, or per-user charges.

What are the main features of Divvy?

Key features include real-time budget management, virtual and physical corporate cards, automated expense reporting, receipt capture and matching, approval workflows, and integrations with major accounting platforms like QuickBooks and NetSuite.

Who should use Divvy?

Divvy is ideal for small to mid-sized businesses that want better control over employee spending without paying for expensive expense management software. It works well for finance teams tired of chasing down receipts and reconciling expense reports manually.

Is there a free plan for Divvy?

Yes, Divvy is entirely free to use. The platform has no paid tiers — all features are included at no cost, though businesses must qualify for and use Divvy's corporate credit cards.