VS
Bill.com vs Divvy — Which One Wins?
A detailed, side-by-side comparison of Bill.com 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. Bill.com (4.0) is the better pick if you need mid-market finance teams drowning in invoices.
Side-by-Side Comparison
| Criteria | Bill.com | Divvy |
|---|---|---|
| Rating | ★★★★ 4.0(155) | ★★★★ 4.4(135) |
| Pricing Model | subscription | freemium |
| Starter Price | $45/user/mo | Free |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Medium | Easy |
| API Available | Yes | Yes |
| Best For | Mid-market finance teams drowning in invoices | Teams wanting free corporate cards with budget controls |
| Verdict | Best AP/AR Automation | Best Free Corporate Cards |
Feature Checklist
| Feature | Bill.com | Divvy |
|---|---|---|
| AP Automation | — | |
| AR Automation | — | |
| Invoice Capture | — | |
| Approval Workflows | — | |
| International Payments | — | |
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — |
Bill.com
Pros
- ✓Excellent invoice capture AI
- ✓Strong approval workflows
- ✓International payments
Cons
- ✕Expensive for small businesses
- ✕Customer support can be slow
- ✕Setup takes time
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 Bill.com and Divvy are solid tools in the Accounting & Finance space. Divvy edges ahead with a stronger overall rating (4.4 vs 4.0) and is the better choice for teams wanting free corporate cards with budget controls. However, if you prioritize mid-market finance teams drowning in invoices, Bill.com is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Bill.com better than Divvy?▼
Divvy scores higher overall with a 4.4 rating vs 4.0. However, the best choice depends on your specific needs. Bill.com is best for Mid-market finance teams drowning in invoices, while Divvy is best for Teams wanting free corporate cards with budget controls.
Can I switch from Bill.com to Divvy?▼
Yes, most users can migrate between the two. Divvy offers a free tier to test before committing.
Which is more affordable, Bill.com or Divvy?▼
Bill.com starts at $45/user/mo, while Divvy starts at Free. Bill.com offers a free tier. Divvy offers a free tier.