VS
Divvy vs Melio — Which One Wins?
A detailed, side-by-side comparison of Divvy and Melio to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Melio takes the lead with a 4.5 rating and is best for small businesses paying vendors and contractors. Divvy (4.4) is the better pick if you need teams wanting free corporate cards with budget controls.
Side-by-Side Comparison
| Criteria | Divvy | Melio |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★★ 4.5(120) |
| Pricing Model | freemium | freemium |
| Starter Price | Free | 2.9% (credit card) |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Easy | Easy |
| API Available | Yes | No |
| Best For | Teams wanting free corporate cards with budget controls | Small businesses paying vendors and contractors |
| Verdict | Best Free Corporate Cards | Best Free Bill Pay |
Feature Checklist
| Feature | Divvy | Melio |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Free Bank Transfers | — | |
| Credit Card Payments | — | |
| Batch Payments | — | |
| Approval Workflows | — | |
| QuickBooks Sync | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Melio
Pros
- ✓Free bank transfers
- ✓Pay by credit card to earn rewards
- ✓Dead simple UX
Cons
- ✕Limited features vs Bill.com
- ✕No AR features
- ✕US-only
The Bottom Line
Both Divvy and Melio are solid tools in the Accounting & Finance space. Melio edges ahead with a stronger overall rating (4.5 vs 4.4) and is the better choice for small businesses paying vendors and contractors. However, if you prioritize teams wanting free corporate cards with budget controls, Divvy is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Divvy better than Melio?▼
Melio scores higher overall with a 4.5 rating vs 4.4. However, the best choice depends on your specific needs. Divvy is best for Teams wanting free corporate cards with budget controls, while Melio is best for Small businesses paying vendors and contractors.
Can I switch from Divvy to Melio?▼
Yes, most users can migrate between the two. Melio offers a free tier to test before committing.
Which is more affordable, Divvy or Melio?▼
Divvy starts at Free, while Melio starts at 2.9% (credit card). Divvy offers a free tier. Melio offers a free tier.