Divvy vs Wave — Which One Wins?
A detailed, side-by-side comparison of Divvy and Wave to help you pick the right tool for your workflow.
Quick Verdict
Divvy takes the lead with a 4.4 rating and is best for teams wanting free corporate cards with budget controls. Wave (4.0) is the better pick if you need solopreneurs and micro-businesses who need real accounting software at zero cost..
Side-by-Side Comparison
| Criteria | Divvy | Wave |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★ 4.0(312) |
| Pricing Model | freemium | free |
| Starter Price | Free | Payments: 2.9% + $0.60/transaction |
| 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 | Solopreneurs and micro-businesses who need real accounting software at zero cost. |
| Verdict | Best Free Corporate Cards | recommended |
Feature Checklist
| Feature | Divvy | Wave |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Full accounting (free) | — | |
| Invoicing (free) | — | |
| Bank connections (free) | — | |
| Financial reports (free) | — | |
| Receipt scanning (free) | — | |
| Payroll (paid add-on) | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Wave
Pros
- ✓Genuinely free accounting, invoicing, and reporting
- ✓Unlimited users at no cost
- ✓Feature set covers standard small business needs
Cons
- ✕No inventory management
- ✕Limited integrations compared to QuickBooks
- ✕No API limits custom automation
The Bottom Line
Both Divvy and Wave 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 solopreneurs and micro-businesses who need real accounting software at zero cost., Wave is worth serious consideration. We recommend trying the free tier or trial of each before committing.