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Divvy vs Square — Which One Wins?
A detailed, side-by-side comparison of Divvy and Square 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. Square (4.4) is the better pick if you need brick-and-mortar businesses and restaurants.
Side-by-Side Comparison
| Criteria | Divvy | Square |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★ 4.4(310) |
| Pricing Model | freemium | freemium |
| Starter Price | Free | $29/mo (Plus) |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android, Hardware |
| Learning Curve | Easy | Easy |
| API Available | Yes | Yes |
| Best For | Teams wanting free corporate cards with budget controls | Brick-and-mortar businesses and restaurants |
| Verdict | Best Free Corporate Cards | Best POS Ecosystem |
Feature Checklist
| Feature | Divvy | Square |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| POS System | — | |
| Payment Processing | — | |
| Invoicing | — | |
| Banking | — | |
| Payroll | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Square
Pros
- ✓All-in-one ecosystem
- ✓Beautiful hardware
- ✓Easy to set up
Cons
- ✕Higher processing fees than dedicated processors
- ✕Account stability issues reported
- ✕Can freeze funds without warning
The Bottom Line
Both Divvy and Square are solid tools in the Accounting & Finance space. Divvy edges ahead with a stronger overall rating (4.4 vs 4.4) and is the better choice for teams wanting free corporate cards with budget controls. However, if you prioritize brick-and-mortar businesses and restaurants, Square is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Divvy better than Square?▼
Divvy scores higher overall with a 4.4 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 Square is best for Brick-and-mortar businesses and restaurants.
Can I switch from Divvy to Square?▼
Yes, most users can migrate between the two. Square offers a free tier to test before committing.
Which is more affordable, Divvy or Square?▼
Divvy starts at Free, while Square starts at $29/mo (Plus). Divvy offers a free tier. Square offers a free tier.