Divvy

Free spend management with virtual cards

Best for: SMBs wanting free spend management with virtual cards and real-time budget controls

Free plan

4.3/5Editorial score 80/100getdivvy.com

Get started

Get started free

Opens the official website in a new tab.

Editorial score80/100

Compare with similar tools

The editorial note

What to know about Divvy

Divvy (now BILL Spend & Expense) is a free corporate card and spend management platform that controls spending with real-time virtual cards and budgets. Unlike Expensify (tracks after spending), Divvy prevents overspending by letting managers create virtual cards with specific budgets for specific purposes. Free for most businesses (revenue from interchange fees), making it a cost-effective alternative to Ramp for smaller companies.

Is it right for you?

Who Divvy suits

Choose it if

SMBs wanting free spend management with virtual cards and real-time budget controls

Look elsewhere if

Enterprise companies needing advanced procurement or complex ERP integration

What you get

Key features

Corporate cards
Virtual cards
Budget management
Real-time controls
Expense reporting
Approvals
Accounting sync

Works with

Integrations4

QuickBooks XeroNetSuiteSlack

The trade-off

Pros and cons

Pros

Free platform
Virtual cards
Real-time controls
Budget management
Rewards
Simple approval flows

Cons

Smaller credit limits
Less advanced than Ramp
US-focused

Quick read

At a glance

Category: Finance & Business Services
Pricing model: Free
Free plan: Available
Free trial: Not listed
Website: getdivvy.com

The verdict

Our take on Divvy

Best free spend management platform. Divvy's zero-cost model with virtual card budget controls gives SMBs enterprise-grade spending visibility without the enterprise price tag.

Get started free Compare before deciding

Keep exploring