VS
Bench vs Divvy — Which One Wins?
A detailed, side-by-side comparison of Bench and Divvy to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Divvy takes the lead with a 4.4 rating and is best for teams wanting free corporate cards with budget controls. Bench (4.1) is the better pick if you need small business owners who hate doing books.
Side-by-Side Comparison
| Criteria | Bench | Divvy |
|---|---|---|
| Rating | ★★★★ 4.1(88) | ★★★★ 4.4(135) |
| Pricing Model | subscription | freemium |
| Starter Price | $249/mo | Free |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Easy | Easy |
| API Available | No | Yes |
| Best For | Small business owners who hate doing books | Teams wanting free corporate cards with budget controls |
| Verdict | Best Done-For-You Bookkeeping | Best Free Corporate Cards |
Feature Checklist
| Feature | Bench | Divvy |
|---|---|---|
| Dedicated Bookkeeper | — | |
| Tax Filing | — | |
| Financial Reports | — | |
| Year-End Packages | — | |
| Catch-Up Bookkeeping | — | |
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — |
Bench
Pros
- ✓Real humans do your books
- ✓Clean monthly financials
- ✓Tax filing included in higher tiers
Cons
- ✕Not real-time — monthly updates
- ✕Limited customization
- ✕Expensive vs DIY tools
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
The Bottom Line
Both Bench and Divvy are solid tools in the Accounting & Finance space. Divvy edges ahead with a stronger overall rating (4.4 vs 4.1) and is the better choice for teams wanting free corporate cards with budget controls. However, if you prioritize small business owners who hate doing books, Bench is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Bench better than Divvy?▼
Divvy scores higher overall with a 4.4 rating vs 4.1. However, the best choice depends on your specific needs. Bench is best for Small business owners who hate doing books, while Divvy is best for Teams wanting free corporate cards with budget controls.
Can I switch from Bench to Divvy?▼
Yes, most users can migrate between the two. Divvy offers a free tier to test before committing.
Which is more affordable, Bench or Divvy?▼
Bench starts at $249/mo, while Divvy starts at Free. Bench offers a free tier. Divvy offers a free tier.